CODY GILSTRAP
Houston,TX
Summary
With expertise in risk management, including KYC, KYB, third-party payment processing, and staying up-to-date on fraud trends and regulations, I possess a strong background in analyzing credit and financial statements for informed decision-making. Over the years, I have honed my understanding of risk management principles and developed a keen eye for identifying patterns indicative of fraud. Through my expertise, I successfully mitigate exposure and safeguard company assets while fostering collaborative teamwork.
Overview
14
14
years of professional experience
Work History
Risk Analyst III
Xplor Technologies
06.2021 - Current
- Evaluate business profiles (KYB), principal owners (KYC), including business/personal financials, as well as processing statements to determine level of risk exposure
- VT fraud authorizations, identify cause(s) and implemented the appropriate changes to deter/stop future activity
- Agent/ISO investigations; identify bad actors that pose a risk
- Completed postmortems for all merchant account losses to identify misses, root cause issues, and assign accountability within the Underwriting and Risk departments.
- Improved decision-making processes by providing insightful recommendations based on thorough risk analysis.
Operational Risk Analyst II
Paysafe
05.2018 - 06.2021
- Analyzed daily batch settlements for potential liabilities and trends
- Assisted with new hire training; shadowing and workflow of queues, educated on credit risk, fraud schemes and set departmental standards
- Communicated with ISO representatives, interviewed merchants, requested applicable documents on risk reviews
- TSYS excessive transaction rejects daily report, HV error, including various other high-risk queues and Suspicious Activity Reports (SAR)
- High risk MCC monitoring as well as Underwriting duties for accounts that are within 30 days of being boarded.
- Conducted meetings and generated reporting to support risk monitoring and management.
Faud Specialist II/Lead
Vantiv/Worldpay
06.2017 - 05.2018
- Reviewed accounts for signs of account takeover fraud
- Analytics - tested, reviewed and changed parameter/attribute rules within Aperia monitoring system to assign appropriate risk scores
- Assisted with training new hires, contributed to changing and outlining policies and best practices within our department manual.
- Improved customer trust by promptly addressing and resolving reported instances of fraud.
- Conducted thorough investigations into suspected fraudulent activities, resulting in timely resolution of cases.
- Reduced instances of fraud by implementing comprehensive detection and prevention strategies.
- Maintained detailed records of all detected fraud incidents for future reference and analysis.
Risk Operations Analyst II
JP MORGAN CHASE
11.2010 - 03.2016
- Analyzed checks for alterations, potentially stolen and counterfeit checks
- Reviewed debit card activity for fraud or potentially concerning activity
- Researched business account activity that alerted in the high-risk queues for potential DBA, compiled reports for each case including reasonings for each decision
- KYC - examined businesses and the principal owners to determine legitimacy and connection.
- Streamlined risk operations processes for improved efficiency and reduced errors.
- Performed periodic reviews and reports on merchants to comply with rules, regulations and KYC requirements.
Education
KYC CDD Certificate -
ACAMS
05.2018
A.A. in liberal arts and humanities -
Houston community college
01.2014
Skills
- Microsoft Excel
- Credit analysis
- SQL Proficiency
- Model Development
- Suspicious Activity Reporting
- AML Regulations Knowledge
- Customer Due Diligence
- Transaction monitoring
Timeline
Risk Analyst III
Xplor Technologies
06.2021 - Current
Operational Risk Analyst II
Paysafe
05.2018 - 06.2021
Faud Specialist II/Lead
Vantiv/Worldpay
06.2017 - 05.2018
Risk Operations Analyst II
JP MORGAN CHASE
11.2010 - 03.2016
KYC CDD Certificate -
ACAMS
A.A. in liberal arts and humanities -
Houston community college
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