Amy Walraven
Lincoln University,PA
Summary
Fraud, credit, and identity-risk executive with 30 years of experience identifying, assessing, and resolving complex first-party fraud threats across the customer lifecycle. Pioneer in the field who coined the term “First Party Fraud” in 2004 and established the Financial Services industry’s first dedicated first-party fraud remediation function at JPMC. Proven record designing and deploying enterprise fraud strategies, scoring models, forensic analytics, and clustering algorithms that detect credit bust-outs, synthetic identities, and organized syndicated fraud—strengthening KYC/AML controls and reducing identity risk end-to-end. Recognized subject-matter expert and trusted advisor to government agencies and industry groups; frequent conference panelist, presenter, and white-paper contributor, known for translating advanced analytics into practical, high-impact business solutions. Passionate builder of cutting-edge tools and integrated solutions that precisely target emerging fraud vectors, and deliver measurable risk mitigation.
Overview
30
30
years of professional experience
Work History
Founder, President & Chief Strategy Officer
TURNKEY RISK SOLUTIONS, LLC
08.2013 - Current
- Founded and lead a risk analytics firm delivering cutting-edge identity and fraud risk solutions for consumer and business markets.
- Own enterprise vision, product roadmap, and analytics strategy, while serving as principal executive advisor to clients.
- Set and execute company-wide data and analytics strategy across all products and markets.
- Drive corporate vision for advanced risk intelligence, ensuring alignment between business goals, technical approach, and customer outcomes.
- Translate emerging fraud/identity threats into scalable product and analytics capabilities.
- Lead design and deployment of predictive, AI, and machine-learning models using structured and unstructured data to deliver differentiated risk solutions.
- Direct technical methodologies for high-impact challenges, defining standards for model development, validation, and implementation.
- Sponsor analytics innovation programs that surface actionable trends to optimize client performance and portfolio health.
- Serve as subject-matter authority on identity risk tooling, including requirements definition, gap analyses, tool evaluation, and implementation standards.
- Partner directly with client executives to integrate analytics into underwriting, authentication, fraud prevention, and operational workflows.
Enterprise Risk & Analytics Executive
JPMORGAN CHASE, N.A.
03.2000 - 08.2013
- Over 13 years, advanced into senior leadership roles spanning Identity Risk, Abusive Behavior/Synthetic Fraud, Co-Brand Partner Risk, and Marketing Analytics.
- Recognized as a cross-line-of-business risk and analytics leader who translated complex behavioral and forensic insights into enterprise policy, controls, and profitable growth strategies.
- Built and led high-impact programs, governed multi-stakeholder initiatives, and advised senior executives on emerging threats, tool modernization, and portfolio performance.
Progressive Leadership in Pricing, Credit Risk, and Fraud Strategy
MBNA AMERICA, N.A.
09.1995 - 04.2003
- Over eight years, advanced through increasingly senior risk and pricing roles, moving from frontline fraud/credit operations into enterprise strategy ownership.
- Built early executive track record by pairing deep customer-level risk insight with rigorous analytics to deliver material profitability gains, reduce loss exposure, and strengthen policy governance.
Education
Master of Science - Business Management
Wilmington University
WilmingtonBachelor of Science - Agriculture
University of Delaware
Newark, DESkills
- Recognized subject matter expert in synthetic identity, first-party fraud, and identity risk
- Pioneered advanced analytics, forensics, and predictive modeling development for first-party fraud
- Fraud, credit, compliance risk management
- Deriving data-driven decision-making, providing actionable intelligence for business units
- KYC/KYB/AML controls and customer authentication enhancement
- Fraud threat vector targeting and tool creation
- Industry, thought leadership, advisory, and public speaking
Personal Information
Title: Founder President Chief Strategy Officer
Executive Core Competencies
- Recognized Subject Matter Expert in Synthetic Identity, First Party Fraud, and Identity Risk
- Pioneered Advanced Analytics, Forensics, and Predictive Modeling Development for First Party Fraud
- Fraud, Credit, Compliance Risk Management
- Deriving Data Driven Decisioning providing Actionable Intelligence for Business Units
- KYC/KYB/AML Controls and Customer Authentication Enhancement
- Fraud Threat Vector Targeting and Tool Creation
- Industry Thought Leadership, Advisory, and Public Speaking
Timeline
Founder, President & Chief Strategy Officer
TURNKEY RISK SOLUTIONS, LLC
08.2013 - Current
Enterprise Risk & Analytics Executive
JPMORGAN CHASE, N.A.
03.2000 - 08.2013
Progressive Leadership in Pricing, Credit Risk, and Fraud Strategy
MBNA AMERICA, N.A.
09.1995 - 04.2003
Master of Science - Business Management
Wilmington University
Bachelor of Science - Agriculture
University of Delaware