Charlotte Peyton Badchkam
Wilmington,DE
Summary
Financial services operations and risk professional with experience in regulatory compliance, transaction investigations, and quality assurance. Analyzes complex data to resolve discrepancies and maintain accurate records while meeting service-level standards. Collaborates with internal teams and external stakeholders to document outcomes and support training initiatives.
Overview
23
23
years of professional experience
Work History
Global Workforce Screening Analyst / GWS Escalations Analyst / Quality Review Team
JPMorgan Chase (JPMC)
01.2018 - 08.2026
- Review and analyze sensitive records from multiple sources, including FBI fingerprint results, credit reports, education records, and employment credentials, to validate information and support risk-based eligibility decisions.
- Reviewed new-hire and internal employee screening reports against regulatory standards, including FINRA, Dodd-Frank, and FDIC requirements, and internal policies.
- Investigated data discrepancies, conducted issue-resolution research, and obtained supporting documentation to ensure records were complete, accurate, and compliant with requirements.
- Communicated with internal business partners, recruiters, candidates, and staffing teams to resolve outstanding issues, clarify requirements, and provide timely status updates, enhancing collaborative efforts.
- Analyze case data and prepare daily status reports to support business-line visibility, workload management, and timely follow-up.
- Manage competing priorities while maintaining accuracy, confidentiality, and adherence to service-level agreements and quality standards.
- Partnered with management and reporting teams to identify recurring issues and trends, recommending improvements to processes and procedures that supported compliance and operational efficiency.
- Support training and development of new hires by sharing process knowledge, reinforcing standard operating procedures, and promoting consistent work quality.
- Earned a promotion to the GWS Quality Review Team, reflecting expanded responsibilities in quality control and review.
Fraud Investigator, Chargeback / Representment Analyst
Barclaycard / Aerotek
Newark, Delaware
03.2015 - 12.2017
- Investigated customer disputes involving unauthorized transactions, suspected identity theft, and potentially fraudulent purchase activity to determine claim validity and appropriate recovery options.
- Conducted detailed case reviews to ensure supporting documentation was complete and investigative procedures were followed before finalizing fraud claims.
- Researched customer accounts, account-closure calls, transaction details, and merchant documentation to evaluate evidence and identify discrepancies in claims.
- Evaluated case findings and determined appropriate outcomes in accordance with established policies and compliance guidelines.
- Maintained accurate case documentation to support timely resolution of disputed transactions through systematic research and review.
Loan Servicing Agent
Navient / Sallie Mae
Newark, Delaware
11.2013 - 03.2015
- Processed account servicing requests and transactions, ensuring adherence to procedures and documentation standards for seamless operations.
- Handled customer inquiries on student loan accounts, delivering clear and accurate information to enhance customer understanding.
- Clarified repayment options and benefit programs tailored to individual account circumstances, guiding customers towards informed decisions.
- Researched account information to address customer concerns, resolve routine issues, and facilitate first-contact resolution.
- Balanced customer service demands with accurate information handling and timely completion of assigned work.
Back Office Claims Specialist
Bank of America
Newark, Delaware
10.2003 - 05.2012
- Tracked outstanding disputes and monitored case status to ensure compliance with established timelines and Regulation Z requirements.
- Processed customer dispute inquiries involving non-receipt of sales drafts and researched case information to support accurate claim handling.
- Reviewed supporting records and documentation to help ensure claims were processed consistently and in accordance with applicable procedures.
- Performed quality reviews to identify errors and reinforce compliance with procedures, ensuring high standards of accuracy.
- Supported efficient case processing by documenting details, prioritizing tasks, and adhering to operational procedures.
- Advanced to Subject Matter Expert responsibilities, providing guidance to colleagues, educating new hires, and supporting team knowledge development.
Education
High School Diploma -
Concord High School
Wilmington, DelawareSkills
- Regulatory Compliance
- Operational risk controls
- Financial Services Operations
- Quality control
- Quality assurance
- Process improvement
- Issue resolution
- Discrepancy resolution
- Case management
- Data accuracy
- Data handling
- Status reporting
- Data Analysis Tools
- Account research
- Financial research
- Record review
- SOP adherence
- Written and verbal communication
- SOP adherence
Core Competencies
- Financial Services Operations
- Transaction and Account Research
- Data Validation and Accuracy
- Exception and Discrepancy Resolution
- Operational Risk and Internal Controls
- Regulatory Compliance
- Case Management and Documentation
- Quality Assurance and Review
- Status Reporting and Data Analysis
- Cross-Functional Communication
- Process Improvement and Issue Escalation
- Service-Level Agreement (SLA) Adherence
- Confidential Information Management
- Microsoft Office Applications
- Training and Knowledge Sharing
Timeline
Global Workforce Screening Analyst / GWS Escalations Analyst / Quality Review Team
JPMorgan Chase (JPMC)
01.2018 - 08.2026
Fraud Investigator, Chargeback / Representment Analyst
Barclaycard / Aerotek
03.2015 - 12.2017
Loan Servicing Agent
Navient / Sallie Mae
11.2013 - 03.2015
Back Office Claims Specialist
Bank of America
10.2003 - 05.2012
High School Diploma -
Concord High School