New York City Metropolitan Area
Experienced risk management executive spanning fraud, credit and lending risk strategy for traditional and crypto products. Strong background in payment systems and data analytics with a natural curiosity to identify issues, create solution strategies and direct complex projects from concept to fully operational working closely with cross-functional partnerships. Thrive in a fast paced, rapidly evolving tech-forward environment where developing best in class strategies, driving innovation and sustainable growth across a global enterprise is key.
Working with cross-functional organizations to coordinate the strategic and tactical direction for fraud analytic solutions. Understanding customer needs around fraud analytic solutions to address consumer identity risks within the customer journey. Having ability to identify fraud analytic needs, including messaging to customers and pricing. Ensuring a holistic view by coordinating with and monitoring all impacted business processes across stakeholders and other workstreams
Led data science evaluations of subprime data sources for credit underwriting of Consumer New Account Models and collaborated with technology, compliance and fair lending to integrate data into production. Conducted Root Cause analyses through case reviews for both Payment Defaulters and Premium applicants. Summarized key profile and performance insights on weekly reports to monitor and investigate emerging risks post COVID. Weekly reports were shared with senior leadership.
Global Credit Bureau Partnered with compliance and legal organizations to ensure all new data products with third party are acceptable within the legal and regulatory framework of Credit Bureau reporting, credit monitoring and Amex data policy and strategy. Managed third party relationships driving policy and strategy through Master Level Agreements. Served as the Secretory of the Global Credit Bureau Committee meetings responsible for putting together meeting agenda, presentations, meeting minutes, and follow up on assigned committee items.
Prepaid & Digital Payments Responsible for identifying, developing and implementing Fraud, Enterprise and Operational risk controls for new product development end-to-end across Prepaid & Alternative Payments Partnered with product, legal, compliance and risk functional teams in every step of product development process to ensure comprehensive fraud and credit controls as well as successful launch of new age digital products Led Invalid Merchant Credit project to mitigate losses via risk rules and operational procedures
Global Merchant Services Oversee global merchant services collection process establishing capabilities, and processes for in-house and third party outside collection agencies Executed collection analytics and established monitor reporting improving collection performance Lead team of collectors for both US and Canada improving operation controls for merchant relations