Ashley McHugh

• Conduct the Annual Due Diligence reviews and the initial due diligence reviews to include credit, FCG, and risk policy review and approval.
• Collaborate with the business development team and the product management team to identify emerging opportunities and areas that require clarification of risk requirements.
• Determine lessons learned from the onboarding of ISO’s and PF’s to continue to enhance and streamline the end-to-end client experience.
• Served as the subject matter expert by advising and guiding operational risk initiatives, developing, and monitoring KRIs/KPIs, working with the business line to proactively self identify operational risks and issues.
• Manage Card Network registration and implementation requirements.
• Established performance goals for employees and provided feedback on methods for reaching those milestones.

• Provided daily oversight of client's onboarded merchant account.
• Provided daily oversight of client’s risk monitoring.
• Conducted Card Network compliance oversight of client’s portfolio.
• Report monthly metrics for chargebacks, returns, and losses for each client.
• Actively participated in team meetings to share knowledge, exchange ideas, address challenges, and collaborate on potential solutions.
• Interacted with internal customers to understand business needs and translate into requirements and project scope.

• Download and install merchant terminals
• Manage the support team and ticketing platform
• Manage the PCI process and was the subject matter expert
• Manage the monthly P&L Residual posting
• Quality control all merchant applications and ensure the applications are properly submitted to First Data
• Manage risk analysis process
• Manage the Beneficial Ownership and CIP validation
• Perform statement reviews and pricing analysis for all merchants
• Prepare all monthly merchant trending reporting.
• Collaborated closely with cross-functional teams to optimize service offerings and maximize client success.

• Enhanced underwriting of merchant applications for payment processing approval for direct and ISO portfolio.
• Perform due diligence searches on merchants and review merchant applications in a timely and efficient manner.
• Read and analyze credit reports, merchant processing statements, bank statements, and financial statements to determine merchant's ability to support the exposure associated with their business type and requested parameters.
• Identify fraudulent merchant applications through analysis by utilizing internal and external underwriting tools.

Communicate with sales agents and the banks to resolve all pending items required for approval of the application.
• Understand the risks involved with low to high-risk business models.
• Maintain understanding of current, new, and emerging fraud and risk trends within the industry
• Perform periodic reviews of existing merchant accounts to ensure continued compliance and identify potential risk.
• Assist with department reporting and creating/updating department procedures.
• Review merchant financials on quarterly, semiannually, and annual basis.
• Review auto approval accounts to ensure that appropriate documentation was provided per auto approval guidelines.
• Weekly/ biweekly conference calls with ISO teams on pended merchant accounts.
• Managed merchant approval/decline/ pending ratio
• Be the subject matter expert on surcharging, high risk merchants, and third-party agents.
• Register all new merchants for surcharging and high risk with the card brands.
• Create risk reporting on direct and ISO portfolio to monitor concentration and trends of the portfolio.

• The Risk Analyst works closely with the card bands (Visa, MasterCard, and Discover), merchant services and the bank to ensure that risk, financial data, and operations are all being monitored and upheld for over 33,000 merchants.
• Prepares reports of audit reviews, including findings, analyses and conclusions and then distribute audit findings to department management and ISO (Independent Sale Organizations) clients and tracks audit findings through to resolution.
• Records and examines daily settlement activity, reviews and analyze merchant processing activity daily, reviews daily fraud management and dispute reporting to monitor for unusual or suspicious activity.
• Monitors and reports daily ACH return activity, monitor reserve accounts to ensure required minimum balance is maintained extract and distributes daily, monthly and quarterly reports from various systems, and assists with the preparation and verification of daily journal entries and account balances.
• Performs complex chargeback, sales volume and CNP analysis and reporting performs ongoing review and reporting of merchant portfolios, prepare and distributes daily ISO activity reports to Operations department of the bank. I also track the status of merchant complaints received from the Card Associations and follows through to resolution.
• Follow all KYC (Know Your Customer) and CIP (Customer Identification Program) to underwrite and monitor fraud and risk for merchant accounts.
• Through research on the FTC, CFPB, and FDA's websites the analyst can research risk and fraud trends emerging in the banking and merchant industry.
• Selected as the staff trainer for new employees and for cross training
• Frequently chosen to sit with internal, state, and federal auditors to allow them to perform audits
• Expert knowledge of OFAC, MATCH, and credit reporting databases.
• Extensive knowledge of CRM programs.
• Underwrite merchant applications for payment processing approval.
• Perform due diligence searches on merchants and review merchant applications in a timely and efficient manner.
• Read and analyze credit reports, merchant processing statements, bank statements, and financial statements to determine merchant's ability to support the exposure associated with their business type and requested parameters.
• Identify fraudulent merchant applications through analysis by utilizing internal and external underwriting tools.
• Communicate with sales agents and the banks to resolve all pending items required for approval of the application.
• Understand the risks involved with low to high-risk business models.
• Maintain understanding of current, new, and emerging fraud and risk trends within the industry
• Perform periodic reviews of existing merchant accounts to ensure continued compliance and identify potential risk.
• Assist with department reporting and creating/updating department procedures.
• Review merchant financials on quarterly, semiannually, and annual basis.
• Review auto approval accounts to ensure that appropriate documentation was provided per auto approval guidelines.
• Weekly/ biweekly conference calls with ISO teams on pended merchant accounts.
• Managed merchant approval/decline/ pending ratio
• Be the subject matter expert on surcharging, high risk merchants, and third-party agents.
• Register all new merchants for surcharging and high risk with the card brands.
• Create risk reporting on direct and ISO portfolio to monitor concentration and trends of the portfolio.