Summary
Overview
Work History
Education
Skills
Projects And Achievements
Languages
Timeline
Generic

Chris Montano

San Antonio

Summary

Results-driven Fraud Risk and Compliance professional with over a decade of experience in fraud detection, risk management, compliance auditing, and financial investigations. Strong background in process improvement, digital fraud mitigation, and regulatory compliance. Adept at implementing enterprise risk management solutions, analyzing critical incident trends for risk mitigation, and conducting large-scale fraud investigations. Proven ability to leverage data-driven insights to drive risk-reduction initiatives. Seeking to contribute expertise to a dynamic financial institution focused on fraud risk management and operational resilience.

Overview

14
14
years of professional experience

Work History

Risk and Compliance Analyst

Endeavors
08.2023 - Current
  • Led the implementation of ServiceNow for risk and compliance management, optimizing fraud detection workflows and enhancing reporting capabilities
  • Serve as the first-line reviewer for Critical Incident Reports (CIR), ensuring compliance with internal and external fraud risk policies
  • Conduct trend analysis on critical incidents using SQL-driven data analysis, identifying patterns and developing proactive risk mitigation strategies to enhance fraud detection
  • Perform internal compliance reviews of thousands of transactions, leveraging SQL queries to extract, analyze, and validate financial data for fraud detection and compliance adherence
  • Collaborate with senior leadership to develop risk management strategies that align with industry best practices
  • Support internal audits to assess the effectiveness of fraud prevention measures and ensure regulatory adherence
  • Updated spreadsheets with latest data to enhance strategic planning.

Construction Bond Auditor

San Antonio Independent School District (SAISD)
05.2022 - 08.2023
  • Audited $1 billion in construction bond funds to ensure financial compliance, accuracy, and fraud prevention
  • Reviewed hundreds of construction pay applications to verify correct billing, cost allocations, and contract adherence
  • Identified potential fraud risks by analyzing discrepancies in invoices, payments, and contractor claims
  • Provided risk assessment reports and recommendations to enhance financial oversight and prevent fraudulent transactions
  • Conducted forensic financial analysis to detect overcharges, misallocations, and non-compliant expenses

Senior Compliance Officer

City of San Antonio – Finance Department
07.2019 - 08.2023
  • Conducted compliance reviews of thousands of financial transactions, ensuring proper fund allocation and identifying fraudulent activity
  • Analyzed transactional data using SQL-based analytics to detect trends, identify financial risks, and flag potential fraudulent activities across various city departments
  • Worked closely with cross-functional teams to strengthen internal controls and prevent misuse of public funds
  • Managed fraud risk assessments for financial contracts and grants, ensuring regulatory compliance
  • Led investigations into suspected fraud, waste, and abuse, recommending corrective actions
  • Developed and implemented fraud prevention controls that reduced financial irregularities
  • Provided risk management guidance to executive leadership and cross-functional teams
  • Supervised a team of three compliance officers, enhancing fraud detection capabilities

Compliance Officer

City of San Antonio – Finance Department
01.2018 - 07.2019
  • Conducted fraud risk reviews of financial transactions and internal controls
  • Assisted in fraud investigations and forensic audits, identifying control gaps and process improvements
  • Partnered with risk management teams to implement fraud detection tools and reporting frameworks

Accountant

City of San Antonio – Development Services
01.2015 - 01.2018
  • Prepared financial statements and reconciliations to ensure compliance with fraud prevention protocols
  • Assisted in budget forecasting, risk assessment, and financial compliance audits
  • Conducted data analysis to identify inconsistencies and fraud risks in financial reporting

Banker

J.P. Morgan Chase
08.2011 - 09.2014
  • Provided customer service, assisted clients with account inquiries, and processed financial transactions
  • Opened and maintained customer accounts, handled deposits, withdrawals, and loan applications
  • Provided guidance on banking products and services to help customers meet their financial needs

Education

MBA - Data Analytics

University of The Incarnate Word
San Antonio, TX
05-2026

Bachelor’s - Management

University of The Incarnate Word
San Antonio, TX
05-2014

Skills

  • Fraud Risk Management & Prevention
  • Data Analytics & Risk Assessment
  • Regulatory Compliance & Financial Auditing
  • Enterprise Risk Management (ServiceNow Implementation & Optimization)
  • Critical Incident Analysis & Risk Mitigation
  • Transaction Monitoring & Fraud Investigation
  • Construction Bond Auditing & Contract Compliance
  • Forensic Accounting & Expense Analysis
  • Process Optimization & Policy Development
  • Root Cause Analysis & Continuous Improvement
  • Cross-Functional Collaboration & Stakeholder Communication
  • Microsoft Office Suite (Excel, Word, PowerPoint, Access)
  • SAP
  • SQL

Projects And Achievements

  • Fraud Prevention Strategy: Spearheaded a fraud prevention initiative that reduced fraud losses by 30% within a fiscal year.
  • Process Improvement: Developed a risk assessment framework that increased fraud detection efficiency by 25%.
  • Regulatory Compliance Leadership: Led a cross-functional team to ensure compliance with evolving fraud risk regulations, improving audit performance ratings.
  • ServiceNow Risk Management Implementation: Played a key role in integrating ServiceNow to streamline risk assessments and fraud monitoring, improving efficiency in incident tracking and reporting.
  • Critical Incident Trend Analysis: Applied SQL queries to analyze thousands of incidents, detect fraud patterns, and develop data-driven risk mitigation strategies, leading to a measurable reduction in fraudulent transactions.
  • Construction Bond Audit & Fraud Detection: Conducted financial audits of $1 billion in construction projects, identifying improper billing and financial discrepancies to prevent fraud and cost overruns.

Languages

Spanish
Native or Bilingual
English
Native or Bilingual

Timeline

Risk and Compliance Analyst

Endeavors
08.2023 - Current

Construction Bond Auditor

San Antonio Independent School District (SAISD)
05.2022 - 08.2023

Senior Compliance Officer

City of San Antonio – Finance Department
07.2019 - 08.2023

Compliance Officer

City of San Antonio – Finance Department
01.2018 - 07.2019

Accountant

City of San Antonio – Development Services
01.2015 - 01.2018

Banker

J.P. Morgan Chase
08.2011 - 09.2014

MBA - Data Analytics

University of The Incarnate Word

Bachelor’s - Management

University of The Incarnate Word
Chris Montano