Serve as primary underwriter for merchant portfolio, evaluating applications from $60K to $24M in annual revenue across e-commerce, retail, construction, and home improvement sectors. Assess and mitigate risk for merchant accounts, including high-risk industries such as construction and home improvement contractors, by reviewing tax returns, bank or processing statements, and financial statements, including balance sheets and profit & loss reports. Provide operational expertise to product development team for underwriting software solutions sold to fintech companies by designing risk assessment rules, customizing alert workflows, and creating standardized messaging templates for document requests. Process 200+ daily risk alerts across new merchant accounts, implementing 100% reserve holds on high-risk approvals to balance fraud prevention with business development objectives while building documentation for partner terminations. Design and implement risk-based rules and automated alert systems that identify fraudulent account patterns during onboarding, preventing losses before merchant activation. Conduct due diligence on new and existing merchants to identify potential fraud or compliance risks. Request and evaluate invoices and supporting documentation to verify business legitimacy and financial stability. Monitor merchant accounts for irregular activity and take appropriate action to mitigate potential losses. Collaborate closely with the Director of Risk & Compliance and sponsoring bank to ensure underwriting and risk management processes align with company policies and industry standards.

Signature Payments | Jun 2022 - Jan 2024

Risk Analyst

Managed high-risk merchant portfolio including adult entertainment, technology retailers, and firearms dealers, verifying transaction legitimacy through invoice analysis and cardholder verification calls. Investigated and communicated with merchants via telephone regarding suspicious activity and requested additional information as necessary, contacted card issuing banks and cardholders regarding merchant exception activity. Conducted monthly G2 review analysis, proactively contacting merchants to remediate website compliance issues and reduce chargeback risk exposure. Supported chargeback mitigation efforts by coordinating document collection, merchant communications, and evidence submission for dispute resolution. Performed reserve and diverted funds transfers as needed and maintained corresponding reconciliation. Reviewed batches for suspicious activity, investigated potential fraudulent merchant activity, and collected funds owed to company to mitigate potential losses.

Paysafe Group | Feb 2022 - Jun 2022

Risk Analyst

Conducted post-approval risk reviews on 200-300 daily merchant batches, performing secondary underwriting assessments on newly activated accounts to verify business legitimacy and appropriate risk classification. Evaluated small to mid-sized merchant operations across diverse industries, utilizing open-source intelligence and investigative research to validate business models for rural and specialty retailers. Analyzed high-risk and suspicious transaction activity with merchants, issuing banks, and cardholders, taking appropriate action to mitigate losses. Reviewed new merchants' documents such as credit reports and business/ personal information with LexisNexis. Recommended funding holds/releases and reported and investigated any potential losses as appropriate.

U.S. Bank | Nov 2021 - Feb 2022

Fraud Customer Service Representative

Initiating fraud claims and providing information on existing fraud and dispute claims. Partnering with multiple departments to service fraud and dispute issues. Managed 100+ customers calls per day. Providing high quality support to our credit and debit card customers over the phone. Customer satisfaction 100%.

Space Coast Credit Union | Feb 2020 - Nov 2021

Loss Prevention Specialist

Conducted investigations regarding incidents of internal/external fraud such as approving/denying ID theft, check, and account fraud. Collaborated with Secret Service during pandemic to identify and return fraudulent SBA loans deposited into personal accounts, preventing significant institutional losses. Identified suspicious activity that led to Suspicious Activity Report (SAR) filing, contributing to FBI investigation that dismantled human trafficking ring. Developed custom alert rules targeting new accounts with specific risk indicators (e.g., YOB parameters, 60-day account age thresholds), significantly reducing fraud losses from online check deposits and credit card abuse. Monitored 300-800 daily alerts for fraudulent check deposits, unauthorized ACH transfers, and credit card misuse, including unemployment fraud schemes during pandemic. Conducted due diligence reviews of new members' information for loans and business/personal accounts with LexisNexis, providing decisions including approving, declining, and requesting additional documents. Independently analyzed charge-off credit card portfolio to identify application red flags and quantify potential loss prevention through proposed rule-based alert systems. Intercepted elder financial abuse attempts including social engineering scams involving fake fund transfers and impersonation schemes. Created comprehensive fraud detection training materials and delivered presentations to tellers and customer service staff on identifying altered identification documents, Social Security cards, and counterfeit checks. Managed 95% of employee training for all new recruits, offering continuous advice, guidance, and mentorship on duties and best practices. Managed 60+ calls per day from customers and various departments providing guidance. Reviewed incoming mobile deposits and incoming/outgoing ACH transactions for fraudulent activities.

Space Coast Credit Union | Apr 2019 - Feb 2020

Member Services Specialist

Resolved concerns with products or services to help with retention and drive sales. Process standard teller transactions for customers including servicing client accounts, accepting loan payments, managing safe deposit boxes, opening accounts business/personal, and assisting clients to sign loan documents such as HELOC, Credit cards, Auto, and Mortgages. Referred customers to appropriate financial services and products as required. Handled customers complaints and issues with high professional courtesy. Assisted with sales referrals and cross-selling programs as needed, meeting all monthly goals. Recommended specific products and services in alignment with clients needs, requirements, and specifications. Managed over 55+ customers daily.

My Education

Take a look at my formal education

Penn State University

B.S. in EconomicsPenn State University | 2027

A.A in EconomicsHouston Community College

About Me

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