Calista Ramirez
Aptos,CA
Summary
Accomplished Senior Risk Analyst with a proven track record at Onbe, adept in data analysis using SQL and excelling in stakeholder communication. Spearheaded initiatives reducing fraud loss by over $1M annually through innovative risk assessment and operational enhancements. Demonstrated expertise in crafting and standardizing reporting processes, significantly improving operational efficiency by 20%.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Senior Risk Analyst
Onbe
Buffalo Grove, IL
04.2024 - Current
- Developed and presented tailored monthly reports based on client requirements. Client types include direct clients, ISV, and resellers.
- Built strong connections with internal business partners and stakeholders to provide risk environment assessments.
- Standardized monthly reporting processes and UAR templates to enhance operational efficiency.
- Mitigated first-party fraud through targeted prevention, achieving a monthly loss reduction of $400k.
- Addressed and resolved complex cases requiring interaction with different currency issuances to maintain regulatory standards.
Risk Operations Analyst
Onbe
Buffalo Grove, IL
04.2022 - 04.2024
- Aggregated cases independently using SQL queries in Snowflake, resulting in a yearly fraud loss reduction of $1.8M.
- Conducted investigations from discovery to reporting within agreed SLAs.
- Drafted UARs highlighting activity suggestive of fraudulent transactions, ML, and program violations across numerous bank issuers.
- Presented comprehensive quarterly analyses to department heads, clients, and executive leadership with the aid of Microsoft Office for strategic planning.
- Supported creation of risk-related strategies in fraud technology to reduce high-risk activities.
Fraud Prevention Associate
Onbe
Buffalo Grove, IL
10.2021 - 04.2022
- Implemented strategic updates using Mastercard Connect and Visa tools to mitigate fraudulent activities.
- Executed comprehensive fraud investigations through sourcing and identification techniques.
- Compiled and prepared over 40 detailed investigative reports, reducing overall fraud loss by 10%.
- Ensured compliance with OFAC regulations during individual case analyses.
AML Coordinator
Davinci Payments
Buffalo Grove, IL
12.2020 - 10.2021
- Conduct AML investigations aligned with regulatory standards.
- Prepared comprehensive reports for compliance and management.
- Conducted detailed reviews of partners' program health and took regulatory-aligned actions as required.
- Developed comprehensive training protocols ensuring new team members were adept in the latest AML regulations, improving accuracy by 20%.
Education
Bachelor of Science (B.S.) - Neuroscience
Purdue University
West Lafayette, IN08.2020
Skills
- Proactive Risk Assessment
- Data Analysis with SQL
- Proficient in BioCatch
- LexisNexis Proficiency
- Stakeholder Communication
- Excel Data Analysis
- Power BI Proficiency
- Analytical Problem Solving
Certification
Purdue University - Collaborative Leadership Certification
Affiliations
- Founded the Women's Basketball Club at Purdue University during my sophomore year and has grown exponentially since then.
- Active volunteer at Food not Bombs, feeding and clothing Santa Cruz's people in need
- Accepted as 1 in 8 US university students to participate as a medical fellow at Atlantis in Rome,Italy at Ospedale Pediatrico Bambino Gesu
- Volunteered in Dominican Republic with Wine to Water, a foundation that provides clean water to the local community
Timeline
Senior Risk Analyst
Onbe
04.2024 - Current
Risk Operations Analyst
Onbe
04.2022 - 04.2024
Fraud Prevention Associate
Onbe
10.2021 - 04.2022
AML Coordinator
Davinci Payments
12.2020 - 10.2021
Bachelor of Science (B.S.) - Neuroscience
Purdue University
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