Ari Houston
Decatur,GA
Summary
Detail-oriented and analytical risk management professional with extensive experience in fraud detection, investigative research, and account risk assessment. Adept at identifying suspicious activities, mitigating potential losses, and ensuring compliance with regulatory policies. Proven ability to collaborate with cross-functional teams, analyze data trends, and provide strategic recommendations to prevent fraud. Recognized for strong attention to detail, decision-making skills, and commitment to protecting financial assets.
Overview
8
8
years of professional experience
Work History
Member Service Representative 3 (51136)
Navy Federal Credit Union
Brookhaven, GA
01.2025 - Current
- Provide exceptional member service by handling complex account inquiries, transactions, and financial requests
- Educate members on digital banking services and financial products to enhance their banking experience
- Assist members with account management, loan applications, and dispute resolution
- Ensure compliance with credit union policies, procedures, and regulatory requirements
- Support training and mentoring of junior team members to improve service quality
- Utilize problem-solving skills to address and resolve member concerns efficiently
- Process financial transactions with accuracy and attention to detail to maintain account integrity
- Collaborate with various departments to ensure smooth operations and enhance member satisfaction
Overdrawn Risk Management Specialist
Navy Federal Credit Union
Pensacola, FL
10.2021 - 12.2024
- Investigate high-risk transactions and suspicious account activities to identify potential fraud or financial abuse
- Conduct in-depth analysis of overdrawn accounts, assessing patterns and member behaviors to minimize risk exposure
- Collaborate with fraud prevention teams to escalate and resolve complex cases
- Ensure compliance with federal regulations, including BSA/AML requirements, while handling member disputes
- Prepare detailed reports outlining risk factors and account actions, supporting data-driven decision-making
- Train and mentor team members on risk management policies, enhancing overall fraud prevention awareness
Overdrawn Accounts Specialist
Navy Federal Credit Union
Pensacola, FL
09.2017 - 10.2021
- Assisted members with high overdraft usage, identifying patterns of financial distress and potential fraud indicators
- Educated members on fraud prevention measures, account security best practices, and digital banking tools
- Maintained thorough documentation of account activity, disputes, and compliance-related actions
- Researched and analyzed suspicious transactions, collaborating with internal teams to assess fraud risks
- Provided strategic recommendations to mitigate financial losses and improve account security
Education
Associate of Arts - General Studies
Pensacola Junior College
01.2005
High School Diploma -
Pine Forest High School
05.2001
Skills
- Fraud Detection & Investigation
- Risk Assessment & Mitigation
- Financial Analysis
- Regulatory Compliance (BSA/AML, KYC)
- Customer & Member Relations
- Data Analysis & Reporting
- Strategic Problem-Solving
- Microsoft Office Suite & Banking Software
Accomplishments
Recipient of the Navy Federal Credit Union Sustained Superior Performance (SSP) Award for excellence in risk management and member service.
Timeline
Member Service Representative 3 (51136)
Navy Federal Credit Union
01.2025 - Current
Overdrawn Risk Management Specialist
Navy Federal Credit Union
10.2021 - 12.2024
Overdrawn Accounts Specialist
Navy Federal Credit Union
09.2017 - 10.2021
Associate of Arts - General Studies
Pensacola Junior College
High School Diploma -
Pine Forest High School