Professional Summary
Overview
Work History
Education
Skills
Timeline

Cassandra Payne

Discover By CapitalOne
Irmo,SC
19
years of professional experience

Senior-level professional with extensive experience in risk assessment, fraud investigation, and collections support. Proven ability to monitor control exceptions, prepare governance reports, and collaborate across teams to improve outcomes. Committed to compliance, business continuity, and effective problem-solving.

Work History

Senior Collections Risk Coordinator

3 Years 5 Months
Discover By CapitalOne | 06.2023 - Current
  • Coordinated risk assessments and tracked mitigation actions across operational workflows.
  • Monitored control exceptions and escalated issues to support timely remediation.
  • Reviewed case documentation for accuracy, completeness, and policy adherence.
  • Maintained risk records and prepared reports for governance and compliance reviews.
  • Review Credit Account In Collections and help Card holders make a way to pay to get Account current
  • Implemented risk monitoring systems to track progress on risk treatment plans and evaluate effectiveness of controls.

Senior Bank Fraud Specialist

1 Year
Discover Banking | 06.2022 - 06.2023
  • Investigated fraud alerts, account activity, and transaction patterns to identify suspicious behavior.
  • Analyzed card, ACH, and online banking activity using case management systems.
  • Reviewed customer claims and supporting documentation to validate disputed charges.
  • Documented findings clearly and escalated confirmed fraud cases for further action.
  • Applied bank policies and regulatory requirements when assessing suspicious transactions.
  • Improved customer trust by promptly addressing and resolving reported instances of fraud.
  • Identified trends in fraudulent activities through data analysis, which informed updates to anti-fraud strategies.
  • Improved team's response time to fraud alerts by streamlining communication process.
  • Collaborated with cross-functional teams to update fraud prevention strategies, ensuring alignment with industry trends.

Medical Billing Administrator

12 Years 10 Months
Ohio Health Systems | 07.2009 - 05.2022
  • Verified patient insurance information, benefits, and authorizations for billing accuracy.
  • Managed claim submissions, correcting billing errors before transmission to payers.
  • Reviewed denials, identified root causes, and initiated follow-up for reimbursement resolution.
  • Reconciled charge capture records with clinical documentation to support compliant coding.
  • Ensured timely payments, submitting clean claims to various insurance companies within established deadlines.
  • Promoted accuracy in coding practices, staying current on ICD-10 changes and industry updates related to medical billing requirements.
  • Improved collections with efficient follow-up on outstanding accounts receivable balances.
  • Increased efficiency by regularly updating and maintaining provider credentialing information with insurance carriers.
  • Collected payments and applied to patient accounts.
  • Posted payments and collections on a regular basis.
  • Verified insurance of patients to determine eligibility.
  • Communicated with insurance providers to resolve denied claims and resubmitted.
  • Followed up with medical staff regarding missing information in patient records.

Accounts Receivable Assistant Manager

1 Year 10 Months
Interstate Optical | 09.2007 - 07.2009
  • Oversaw accounts receivable workflows, ensuring accurate invoicing, cash application, and customer account maintenance.
  • Reconciled aging reports, identifying overdue balances and prioritizing collection follow-up for delinquent accounts.
  • Resolved billing discrepancies by coordinating with internal teams and customers on deductions, credits, and adjustments.
  • Reviewed payment activity and applied receipts accurately across customer accounts and general ledger records.
  • Supported month-end close by preparing AR reports, journal entries, and account reconciliations.
  • Negotiated payment arrangements with delinquent customers, fostering ongoing communication and promoting prompt resolution of outstanding balances.
  • Streamlined billing processes for improved efficiency and reduced errors in invoicing.

Education

High School Diploma

Mansfield Senior High School | Mansfield, OH | 06-2007

Associate of Science - Health Administration

Columbus State Community College | Columbus, OH | 08-2010

Skills

Risk assessment
Risk mitigation
Risk reporting
Regulatory compliance
Business continuity
Contingency planning
Problem-solving
Cross-functional collaboration
Team leadership
Stakeholder communication
Time management
Organizational skills
Multitasking
Professionalism
Teamwork
Active listening

Timeline

Senior Collections Risk Coordinator

Discover By CapitalOne
06.2023 - CurrentRead More

Senior Bank Fraud Specialist

Discover Banking
06.2022 - 06.2023Read More

Medical Billing Administrator

Ohio Health Systems
07.2009 - 05.2022Read More

Accounts Receivable Assistant Manager

Interstate Optical
09.2007 - 07.2009Read More

Columbus State Community College

Associate of Science from Health Administration
Read More

Mansfield Senior High School

High School Diploma
Read More

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Cassandra Payne