Antonia Martinez
Ontario
Summary
Accomplished in elevating risk management frameworks at Kount An Equifax Co., I leveraged data analytics and operational risk evaluation to significantly enhance decision-making and reduce financial losses. My leadership fostered a culture of continuous improvement and collaboration, achieving notable advancements in risk mitigation strategies and operational efficiency.
Overview
22
22
years of professional experience
Work History
Sr. Risk Analyst Team Lead
Kount An Equifax Co.
07.2019 - 02.2022
- Collaborated with cross-functional teams to identify, assess, and mitigate emerging risks in a timely manner.
- Reduced operational risks by implementing robust control frameworks and monitoring systems.
- Strengthened internal controls by leading targeted audits and sharing best practices across departments.
- Optimized risk models to better align with changing market conditions, ensuring more accurate forecasts and improved strategic planning.
- Evaluated third-party vendors for potential risks, ensuring the organization''s resources were protected from external threats.
- Streamlined data collection processes for more efficient analysis, enabling faster identification of trends and potential issues.
- Collaborated with the BI department in developing sophisticated tools to better predict, monitor, and manage potential risks impacting the organization.
- Improved decision-making by providing senior management with timely and accurate risk reporting.
- Increased transparency around risk exposures by developing clear communication channels between departments.
- Promoted a strong risk culture within the organization through training programs and ongoing communication efforts.
- Performed gap analysis to identify areas of improvement.
- Promoted a positive work environment by fostering teamwork, open communication, and employee recognition initiatives.
Risk Analyst
Signifyd
11.2017 - 06.2019
- Assessed emerging risks through ongoing research and monitoring of industry trends, proactively addressing potential threats before they materialized into significant issues.
- Collaborated on implementation of collection strategies with collections, risk and fraud teams.
- Improved decision-making processes by providing insightful recommendations based on thorough risk analysis.
- Reduced financial losses due to effective identification and mitigation of potential risks in the portfolio.
- Investigated allegations to check validity and recommend actions to minimize risk.
- Established strategy for operations reporting and analytics, identifying key needs for deliverables.
- Led cross-functional projects focused on enhancing the organization''s overall approach to enterprise risk management.
- Devised new systems and specific processes to handle ongoing monitoring needs for potential risks.
- Completed transactional reviews to uncover trends, patterns and variations.
- Facilitated knowledge sharing among team members by creating an accessible repository of relevant materials related to operational risk management best practices.
- Recommended implementation of new technology solutions, assessing their impact on the overall operational risk landscape.
- Attended meetings and collaborated on risk reporting trends to support monitoring and best practices.
- Improved operational risk identification by conducting thorough analyses and evaluations of quality assurance processes.
- Provided expert guidance to junior team members, coaching them on effective techniques for identifying, assessing, and managing operational risks.
- Reduced financial losses with accurate transaction charge back guarantee review rates.
Risk Analyst
Yapstone
09.2016 - 11.2017
- Assessed emerging risks through ongoing research and monitoring of industry trends, proactively addressing potential threats before they materialized into significant issues.
- Improved decision-making processes by providing insightful recommendations based on thorough risk analysis.
- Manually review credit card transactions to determine credit card fraud and or collusion, account take over, ID Theft.
- Work with various internal departments including Underwriting and Compliance.
- Giact/PIPL/Emailage/Zen Desk verification tools.
- Make outbound calls to Merchants regarding fraud situations.
- Use various fraud web based tools to verify Payers/Merchants and rental ownership/affiliation.
Fraud Analyst II
Blackhawk Network
01.2015 - 08.2016
- Evaluated customer data to identify and prevent fraudulent activities.
- Analyzed large amounts of data to find patterns of fraud and anomalies.
- Performed risk assessments to determine level of fraud risk and prioritize investigations.
- Tracked fraud cases and monitored trends to develop strategies for prevention.
- Worked using Cybersource Global Payment Gateway to process debit and credit cards.
- Work closely w/CyberSource account manager to identify Fraud Trends and suggestion model/velocity rule changes for emerging fraud trends.
- Digital Fraud Analysis (Digital Wallets), Detect Fraud Trends, Confirm Fraud, Monitor Online E-Commerce Gift Card Orders.
- Chargeback Processing: Merchant Connect/AMEX; PaymenTech, Vantiv, First data.
- QA orders for BPO (foreign team); including training employees -Domestically/Internationally (via El Salvador),
- Assign & monitor workflow & process refunds.
Customer Service Specialist
Tri Valley Bank (now Heritage Bank Of Commerce)
06.2012 - 03.2013
- Small Business -Branch Banking/Teller functioning, online banking -web administration.
- GL's: Accounts Payable, stop pays. Wires (Incoming/Outgoing + Foreign/Domestic),
- Cash handling, ATM/Vault/EFT balancing, electronic banking, ACH's, Risk Ratings.
- Open new accounts, perform risk ratings, KYC account analysis.
- RDC/Remote Deposit Capture. Proof Scanning/Corrections.
- Managed high call volume while maintaining a courteous and professional demeanor.
- Adapted quickly to changes in company policies or procedures ensuring consistency in delivering accurate information to customers.
- Handled escalated calls calmly, finding resolutions that satisfied both the company and the customer''s needs.
- Addressed customer complaints and mitigated dissatisfaction by employing timely and on-point solutions.
- Developed rapport with customers, fostering long-term relationships and repeat business.
- Collaborated with team members to create effective strategies for improving overall customer experience.
Recovery Payments & Customer Fulfillment Prod. Mgr
Washington Mutual Bank (now JP Morgan Chase)
12.1999 - 11.2009
- Managed and motivated employees to be productive and engaged in work.
- Accomplished multiple tasks within established timeframes.
- Maintained professional, organized, and safe environment for employees and patrons.
- Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
- Oversaw back office production team and managed day to day operations of Recovery Payment and Customer Fulfillment units.
- Included the Risk Ops General ledgers/journals, collections A/R & A/P, debit/credit using excel spreadsheets and internal software, bank wires, receive/record physical payments/cash, deposits, account maintenance, high level escalations, transaction auditing, procedural/process flow & SOP updates.
- Maximized performance by monitoring daily activities and mentoring team members.
- Onboarded new employees with training and new hire documentation.
- Formerly trained as a manager by taking Management designated classes as a Production Manager.
- Controlled costs to keep business operating within budget and increase profits.
- Developed a strong company culture focused on employee engagement, collaboration, and continuous learning opportunities.
- Facilitated successful cross-functional collaborations for the completion of key projects, fostering strong working relationships among team members.
- Came in as a frontline associate, was promoted to a Team Lead for 4yrs and then to a Production Manager.
Education
No Degree -
University of Phoenix
Lodi, CA01.2011
No Degree - Business Administration And Management
California State East Bay
Hayward, CA06.1996
High School Diploma -
Tennyson High School
Hayward, CA06.1992
Skills
- Data Analytics
- Stress testing
- Risk mitigation strategies
- Operational Risk Evaluation
- Business process improvement
- Operations Management
- Staff Management
- Quality Assurance
- Microsoft Office Suite
- Data Analysis
- Internal Auditing
- KPI Tracking
- Forecasting and planning
- Workflow Analysis
- Operational Reporting
- Product Management
- Gap analysis
- Operations Analysis
- Customer Targeting
- Technical Writing
- Customer Communication
- Risk analysis training
- Risk Mitigation
- Statistical Analysis
- Transaction reviewing
- Financial Risk Manager
- Order reviewing
Timeline
Sr. Risk Analyst Team Lead
Kount An Equifax Co.
07.2019 - 02.2022
Risk Analyst
Signifyd
11.2017 - 06.2019
Risk Analyst
Yapstone
09.2016 - 11.2017
Fraud Analyst II
Blackhawk Network
01.2015 - 08.2016
Customer Service Specialist
Tri Valley Bank (now Heritage Bank Of Commerce)
06.2012 - 03.2013
Recovery Payments & Customer Fulfillment Prod. Mgr
Washington Mutual Bank (now JP Morgan Chase)
12.1999 - 11.2009
No Degree -
University of Phoenix
No Degree - Business Administration And Management
California State East Bay
High School Diploma -
Tennyson High School
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