Amy Parker
Irving
Summary
- Finance expert with extensive experience in dealer services and fraud prevention. Proficient in managing enterprise risk and ensuring compliance with industry regulations. Adept at conducting quality control and training programs to enhance team performance. Recognized for effective red flag reporting and fraud policy development.
Overview
21
21
years of professional experience
Work History
Risk Operations Quality Control Analyst II
FLAGSHIP CREDIT ACCEPTANCE
12.2018 - 08.2025
- Company’s SME for identity theft/synthetic identities, sovereign citizens and document fraud
- Administered Point Predictive’s fraud tool, aided in vendor relationship and ensured effective utilization for company
- Collaborated with law enforcement agencies, including Secret Service and FBI, to support criminal investigations
- Served as SME providing testimony in trial proceedings and Legal document/exhibit review
- Researched and facilitated Dealer Oversight meetings, presenting investigative findings and risk mitigation strategies
- Researched and facilitated Executive-level meetings for default cases, highlighting trends and operational risks
- Researched and prepared monthly deck materials for Enterprise Risk and Operational Risk meetings
- Created and managed the company’s Bad Actor/Red Flag, collaborating with the Data Science team to generate analytical reports in SQL that tracked suspicious patterns in application data
- Led review process for escalated Anti-Money Laundering (AML) cases for company and corresponding SARs
- Contributed to the creation and maintenance of compliance and training documentation for ID theft and fraud
- Executed dealer buybacks in response to contract breaches and fraudulent activity
- Conducted ad hoc pre- and post-funding fraud reviews, creating and maintaining a detailed log of investigations
- Participated in systems and compliance testing implementations to ensure controls were effective
- Supported delinquency reviews, identifying patterns and contributing to risk detection
- Proposed and implemented process improvements based on findings from testing and operational reviews
- Collaborated with impound, titling, and insurance fraud team to ensure comprehensive fraud detection
- Participated in industry fraud conferences to stay current on evolving threats and investigative techniques
Senior Quality Control Analyst
EXETER FINANCE
10.2017 - 10.2018
- Reviewed and refined quality control reports submitted by team members to ensure accuracy, consistency, and compliance
- Managed and tracked disputes from originations testing, ensuring timely resolution and documentation
- Participated in candidate screening and interviews for departmental hiring, reviewing resumes and assessing fit
- Trained new departmental hires, providing onboarding support and policy education
- Helped lead the Quality Control segment of company-wide new hire training
- Acted as a liaison to clarify policy and procedural questions for outsourced QC teams and the Funding Department
- Collaborated on the development and testing of a new Dealer Review scorecard, enhancing risk assessment capabilities
- Investigated Dealer Agreement breaches through originations reviews, escalating violations for buyback or litigation
- Solely identified the company’s largest potential buyback investigation — over $2 million in fraudulent loans
Quality Control – Credit Review Analyst
SIERRA AUTO FINANCE
07.2015 - 09.2017
- Conducted quality control reviews of originations and collections operations for compliance and identify emerging business risks
- Performed daily audits of underwriting decisions and policy execution, producing reports for the CEO and executive leadership
- Conducted early payment default reviews to detect fraud or compliance breaches, escalating cases for loan buyback recovery
- Investigated Dealer Agreement violations through originations reviews, leading to over $1 million in buyback collections in 2016
Credit Review Fraud Analyst (Dealer Operations)
EXETER FINANCE
07.2013 - 07.2015
- Conducted operational reviews and generated detailed reports for senior officers to assess the health of credit, funding, and collections, identifying emerging trends, best practices and business risks
- Created executive-level reports to communicate findings and support strategic decision-making
- Investigated Dealer Agreement breaches and led buyback recovery efforts for violations including early payment defaults, fraud, powerbooking, and deferred down payments
- Analyzed pre- and post-funding referrals for potential fraud, including ID Theft and document fraud
- Contributed to criminal investigations resulting in charges against dealership personnel for fraudulent activity
- Resolved identity theft and Better Business Bureau complaints through direct interviews with customers, law enforcement, and third-party entities
- Supported policy development and updates related to bankruptcy procedures, ensuring alignment with legal standards
- Participated in industry fraud conferences to stay current on evolving threats and investigative techniques
Bankruptcy Legal Specialist and Auditor
GM FINANCIAL (AMERICREDIT)
02.2006 - 07.2013
- Sole departmental QC auditor responsible for reviewing employee account handling to ensure accuracy, timely litigation filing, and adherence to compliance and call quality standards
- Investigated and successfully litigated cases involving impound and title fraud, protecting company assets
- Conducted in-depth reviews of accounts for fraud indicators, bad faith filings, and dealer agreement violations
- Managed accounts involved in bankruptcy proceedings and similar legal filings
- Assessed accounts and prepared litigation files based on case urgency and legal deadlines
- Maintained communication with internal and external stakeholders to resolve disputes and minimize litigation cost
- Collaborated with legal teams to interpret bankruptcy reform laws, particularly around bad faith filings; contributed to successful litigation outcomes in Florida circuit and appeals courts for Chapter 13 cases
- Completed formal and on-the-job management training, enhancing leadership and operational oversight capabilities
- Helped design and led training programs, developed instructional materials, and supported compliance audits
- Updated departmental policies for total loss, impounds, and substitution of collateral, improving operational consistency
Collector
DAIMLER CHRYSLER FINANCIAL (MERCEDES BENZ DIVISION)
06.2004 - 11.2005
- Handled accounts 1-120 days delinquent (front-end and back-end collections)
- Resolved delinquency on business and personal accounts for both leasing and retail
- Offered, prepared and executed deferments for qualifying accounts
- Prepared and executed cures, and worked with repossession vendors to resolve late-stage accounts
- Recognized and escalated accounts involved in known-fraud rings, suspected of credit bust-outs, synthetic ID’s, and fraudulent business accounts
- Nominated and served as Ambassador for new hires (mentoring program)
Education
Business Information Systems
TEXAS A&M UNIVERSITY AT COMMERCE
Commerce, Texas01.2004
General Studies
TARRANT COUNTY COLLEGE
Hurst, Texas01.1999
Skills
Compliance and fraud prevention AML/BSA regulations Investigation and reporting ID theft detection Risk management strategies Testing and assessment GLBA/TILA/FCRA compliance CFPB/BBB/FTC oversight
Affiliations
- AMERICAN FRAUD CONFERENCE MEMBER
- CHI OMEGA FRATERNITY
Timeline
Risk Operations Quality Control Analyst II
FLAGSHIP CREDIT ACCEPTANCE
12.2018 - 08.2025
Senior Quality Control Analyst
EXETER FINANCE
10.2017 - 10.2018
Quality Control – Credit Review Analyst
SIERRA AUTO FINANCE
07.2015 - 09.2017
Credit Review Fraud Analyst (Dealer Operations)
EXETER FINANCE
07.2013 - 07.2015
Bankruptcy Legal Specialist and Auditor
GM FINANCIAL (AMERICREDIT)
02.2006 - 07.2013
Collector
DAIMLER CHRYSLER FINANCIAL (MERCEDES BENZ DIVISION)
06.2004 - 11.2005
Business Information Systems
TEXAS A&M UNIVERSITY AT COMMERCE
General Studies
TARRANT COUNTY COLLEGE
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