ASHLEY BEARDEN
Summary
FinTech Risk and Compliance Analyst with a focus on comprehensive risk assessments and governance improvements. Achieved a 25% reduction in manual data entry through AI-powered automation, enhancing data precision. Developed executive-level risk profiles that inform strategic business decisions and drive stakeholder engagement.
Overview
1
1
Certification
11
11
years of professional experience
Work History
FinTech Risk and Compliance Analyst
MVB Bank
2021.10 - 2026.07
- Completed over 20 client risk assessments and periodic reviews annually, identifying potential financial, operational, fraud, and reputational exposures while strengthening risk-based business decisions.
- Reduced client onboarding turnaround time to two weeks by streamlining due diligence and risk assessment processes, accelerating client implementation without compromising compliance standards.
- Identified and facilitated the resolution of hundreds of compliance findings, driving corrective action, strengthening internal controls, and improving regulatory readiness.
- Improved underwriting outcomes by partnering with underwriting departments to evaluate complex client risk profiles, resolve applications failing standard compliance metrics, and identify viable paths toward risk-based approval.
- Strengthened fraud prevention efforts through daily monitoring of merchant activity and payment networks, identifying suspicious transaction patterns, privacy threats, and high-risk payment exposures for timely investigation and mitigation.
- Increased portfolio risk visibility by analyzing daily, monthly, and quarterly activity, identifying emerging trends and policy deviations, and supporting proactive risk mitigation decisions.
- Strengthened the organization's regulatory framework by developing and updating corporate policies, operational procedures, and risk protocols annually to address evolving regulatory requirements and maintain compliance standards.
- Improved audit efficiency and regulatory response readiness by streamlining internal audit workflows, coordinating vendor verification requests, and ensuring timely delivery of accurate supporting documentation.
- Increased operational efficiency by redesigning risk assessment workflows and performance metrics, improving process consistency, strengthening internal controls, and optimizing risk management operations.
- Delivered a 25% reduction in manual data entry by developing custom AI-driven automation workflows, improving data accuracy, reducing administrative workload, and accelerating external audit preparation.
Risk and Compliance Analyst
ABC Fitness Solutions
2019.11 - 2021.10
- Improved underwriting efficiency and client approval outcomes by partnering with underwriting teams to resolve compliance deficiencies, assess complex risk profiles, and identify opportunities to advance qualified applications
- Strengthened fraud prevention and payment security through daily monitoring of merchant activity and payment networks, proactively identifying suspicious transaction patterns, privacy threats, and high-risk exposures for investigation and mitigation.
- Enhanced portfolio risk oversight by analyzing daily, monthly, and quarterly activity, identifying policy deviations, and driving corrective actions to maintain compliance with corporate risk standards.
- Strengthened regulatory compliance by developing and updating corporate policies, operational procedures, and risk protocols annually, ensuring alignment with evolving regulatory requirements and internal control standards.
- Increased audit efficiency and regulatory readiness by streamlining audit response processes, coordinating vendor verification requests, and improving the accuracy and timeliness of compliance documentation.
- Served as the primary subject matter expert for risk and compliance operations, resolving complex procedural inquiries, providing guidance to internal personnel, and promoting consistent application of corporate policies and regulatory standards.
Provider Network Operations Specialist
Arkansas Blue Cross Blue Shield
2015.08 - 2019.10
- Strengthened regulatory compliance and reduced organizational exposure by interpreting and enforcing complex contracting policies, credentialing standards, and organizational guidelines across provider operations.
- Minimized credentialing and compliance risks by conducting comprehensive primary source verifications of professional qualifications, licensing credentials, background information, and insurance requirements.
- Improved onboarding efficiency and protected network integrity by managing end-to-end applicant credentialing, evaluating eligibility requirements, and authorizing system access in accordance with established compliance standards.
- Strengthened cross-functional collaboration by building and maintaining relationships with healthcare providers, hospital executives, and joint-venture partners, facilitating timely communication and streamlined operational workflows.
- Maintained high-volume, audit-ready database records across multiple internal mainframe systems, ensuring data integrity, minimizing documentation discrepancies, and supporting accurate reporting and regulatory reviews.
Education
BBA - Finance
University of Central Arkansas
Conway, AR2019-08
Skills
- Risk Assessments
- Regulatory Compliance
- Fraud Risk Management
- Risk Mitigation Strategies
- Financial Analysis
- Risk Reporting
- Onboarding Risk Assessment
- Audit Support
- Data Analysis
- Data Querying Techniques
- Risk governance
- Relationship Management
Certification
Certified Risk and Compliance Management Professional (CRCMP), International Association of Risk and Compliance Professionals (IARCP), Certified Sarbanes-Oxley Expert (CSOE), Sarbanes-Oxley Compliance Professionals Association (SOXCPA), Certified Cryptocurrency Expert (CCE), Blockchain Counsel, Foreign Corrupt Practice Act Expert, The FCPA Blog, FinCEN AML Level I Expert, The FCPA Blog
Timeline
FinTech Risk and Compliance Analyst
MVB Bank
2021.10 - 2026.07
Risk and Compliance Analyst
ABC Fitness Solutions
2019.11 - 2021.10
Provider Network Operations Specialist
Arkansas Blue Cross Blue Shield
2015.08 - 2019.10
BBA - Finance
University of Central Arkansas