Customer Security

ANDREA T. RITCHIE

***** * ***** ***** • Shelby Township, MI 48317

586-***-**** • ********@*****.***

(Willing to Relocate)

FRAUD INVESTIGATION SERVICES

Motivated, detail oriented professional demonstrating exceptional attention to detail and proficient problem solving skills to effectively analyze and assess a situation. Experience performing background investigations for pre-employment screening, drug and alcohol testing, live scan finger printing, and private investigations work. Studied abroad, thoroughly researching and investigating State and National Parliament along with State and National Court Systems in Australia.

Research and Database Development • Media Relations • Private Investigation

Background Investigations • Constituent Correspondent • Asset Management• Fraud Analysis and Identity Theft Protection • Risk Mitigation •Research Writing

EDUCATION

Bachelor of Arts in Criminal Justice • 2009

Michigan State University, East Lansing, MI

PROFESSIONAL EXPERIENCE

BANK OF AMERICA, Phoenix, Arizona • August 2009 Present

Senior Fraud Analyst • July 2010 August 2012

Reviews potential fraudulent accounts for the prevention and detection of possible Transaction Fraud and Identity Theft. Complex knowledge of multiple procedures and guidelines to evaluate customer accounts utilizing multiple systems and tools in accordance with Federal Regulations B, E, and Z. Assists across business lines in investigating fraudulent credit applications or payments to customer accounts to determine risk for potential money laundering or suspicion of potential terrorist funding. Aide in loss mitigation and fund recovery by working closely with Victims Assists Units, Law Enforcement, and Restitution departments to protect the identity of customers and actively pursue perpetrators. Establish system databases to document fraud trends and market research of existing fraud hotspots to prevent loss and secure customer accounts.

• Takes appropriate actions based on transaction characteristics and account changes with indicators related to possible Identity theft, to ensure customer account security and early fraud detection.

• Wealth Segment Client Services certified customer advocate, managing high risk and high value customer accounts for potential fraud transaction risk and identity theft.

• Influential contributor in recent cross training between credit card and ATM/debit products, serving as a leader in helping establish new procedures to aide in the assistance of cross training education.

Claims Analyst • August 2009 June 2010

Resolved customer credit claims within the bank's policies and procedures. Investigated and determined incoming claims using multiple systems and tools; resolved differences; answered service requests and inquiries received from various channels. Debited or credited customer's accounts as appropriate, processed chargeback or updated customer regarding pending claims. Maintained internal operational and financial controls and ensured that they are observed for all assigned cases. Provided support to and trained other analysts within the department. Basic knowledge of the Claims Analyst function and handled less complex cases requiring analytical and problem resolution skills.

• Ensured all cases were resolved in compliance with industry regulations and bank procedures, integrity levels of the department's case management system and financial controls.

• Recognized for having a great attitude and being “a great asset to the company”.

JOSEPH A. YOUNG AND ASSOCIATED a DK Security Company, Mason, MI • Jan. 2009 July 2009

A private security and investigations company that is highly versed in the security industry.

Private Security and Investigations Intern • January 2009 April 2009

Joseph A. Young and Associates a DK Security Company, Mason, MI

Performed background investigations for pre-employment screenings, assisted in private investigations, and assisted in presenting drug and alcohol testing awareness classes. Assessed public facilities for potential threats. Performed lawful investigations for private citizens by collecting evidence from court cases. Trained in surveillance systems, facilitations, and operations.

• Implemented and authorized proper risk management procedures for public facilities.

• Developed interviewing techniques from assisting in private investigations and learned how to judge ones body language during questioning.

MICHIGAN HOUSE OF REPRESENTATIVES, Lansing, MI • September 2007 December 2007

Legislative Intern

Conducted research, analyzed proposed legislation, wrote bill summaries, and attended committee hearings. Assisted with administrative and office duties, advanced press conferences and researched house district profiles. Supported the field staff by researching key issues in house districts as well as updating and developing district profiles. Collected information from Representatives and their staff; updated the district database and assisted with pinpointing press event locations and press event attendees.

• Expedited papers and research essential for state government.

TECHNICAL SKILLS

Microsoft Word • Power Point • Excel • Microsoft Outlook • Microsoft Access • Windows Processing Systems • Lexis/Nexus • MOS processing Systems

MEMBERSHIPS

Association of Certified Fraud Examiners

CERTIFCATIONS

Pursuing Series 63 License

Pursuing Certified Fraud Examiner Certification

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