Ashley Graham
Cordova,TN
Summary
I bring over 17 years of experience in banking, specializing in debit card operations and fraud prevention. As Director of the Card and Fraud Department at Unico Bank, I've led teams, managed fraud claims and investigations, and strengthened processes that protect both customers and financial institutions.
My background includes overseeing debit card programs, resolving complex fraud cases, and improving operational workflows to reduce risk and increase efficiency. I'm known for balancing strong customer experience with smart risk management while serving excellent customer service.
Overview
17
17
years of professional experience
Work History
Director of Card and Fraud Department
Unico Bank
Paragould, AR
08.2008 - 10.2025
- Led all debit card operations and fraud prevention efforts, overseeing claims, investigations, and risk mitigation strategies
- Oversaw end-to-end fraud claims process, ensuring compliance with Regulation E and internal policies
- Directed debit card program operations, including dispute resolution, transaction monitoring, and vendor coordination
- Strengthened fraud detection and prevention processes to reduce losses and minimize exposure
- Collaborated with internal departments and external partners to improve workflows and customer experience
- Handled escalated customer issues with a focus on resolution, trust, and retention
- Investigated complex and high-risk fraud cases, providing resolution while protecting both the customer and the bank
- Managed and developed a team handling fraud cases, improving productivity, accuracy, and turnaround times
- Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity
- Analyzed large amounts of data to find patterns of fraud and anomalies
- Contacted customers directly to notify of fraudulent activity and minimize impacts
- Provided exemplary level of customer service to all individuals, including clients and company personnel
- Answered high volume flow of customer and team member calls and emails
- Hired and coached new employees on administrative procedures, company policies and performance standards
Education
Bachelor's - General Studies
Southeast Missouri State University
Cape Girardeau, MOAssociate - Business Administration
Three Rivers Community College
Poplar Bluff, MOSkills
- Fraud investigation and detection
- Card operations
- Regulation E compliance
- Dispute and chargeback management
- Risk management
- Transaction monitoring
- Fraud claims processing
- Team leadership and development
- Customer experience management
- Loss prevention strategies
- Escalation handling
Timeline
Director of Card and Fraud Department
Unico Bank
08.2008 - 10.2025
Bachelor's - General Studies
Southeast Missouri State University
Associate - Business Administration
Three Rivers Community College