Cori Waddy

● Served as the point person for the merger-related dispute conversion from DPS to Fiserv, partnering with senior leadership to provide status updates, track action items, and resolve implementation issues. Coordinated dispute team responsibilities, established expectations, ensured project deadlines were met, and assisted with the CentrixDTS upgrade.

● Manage Visa Risk Services Manager (RSM) fraud rules and adjust strategy based on fraud trends, risk exposure, rule performance, and business need.

● Reduced disputed fraud losses by approximately 34% since implementing card fraud rule strategy in late 2023.

● Monitor CentrixDTS for dispute data loads, letters, money movement, and case management functionality; work with Network Services and the CentrixDTS client representative to resolve data or processing issues.

● Update dispute letters, approval and denial reasons, procedures, and related documentation to support accurate and consistent dispute processing.

● Review Visa Core Rules and Visa Product and Service Rules to keep dispute team members informed of chargeback-related changes.

● Drive complex ACH, check fraud, Zelle scam, and credit/debit card fraud investigations while ensuring compliance with internal policies and regulatory standards.

● Create portfolio reports covering fraud activity, losses, prevented losses, and emerging trends for leadership review.

● Lead updates to fraud investigation policies and procedures; overhauled ACH monitoring protocols, reducing review volume by 50% and lowering fraud losses by 30%.

● Delivered card fraud training to frontline staff, enhancing fraud awareness and achieving $50K in loss prevention within one month.

● Prepared Suspicious Activity Reports (SARs) within regulatory guidelines and timelines and collaborated with law enforcement.

● Process member dispute claims under Reg E, Reg Z, and internal guidelines; serve as the card fraud subject matter expert for leadership on risk exposure, trends, and investigation outcomes.

● Conducted in-depth investigations into first-party, third-party, and bust-out fraud schemes, identifying evidence and preparing comprehensive investigative reports.

● Triaged with Banking Investigators and Auto Finance Underwriters to validate numerous suspicious transactions/data points monthly and review fraud trends, facilitating in the reduction of losses across business lines.

● Identified and shared emerging fraud trends/threats as well as supporting data with the investigations team, aiding in the implementation of rules aiming to mitigate future losses.

● Conducted bi-annual strategy meetings with senior fraud leadership to status current strategies and/or ad hoc projects, emerging fraud trends.

● Collaborated with banking investigators and auto finance underwriters to validate suspicious transactions monthly and analyze fraud trends, contributing to loss reduction across business lines.

● Developed and delivered fraud training and onboarding programs for new investigators, enhancing investigative consistency and accuracy.

● Represented the company at IAFCI, ACFE, AFC, and IAATI meetings, sharing investigative insights and building external collaboration networks.

● Monitored fraud alerts and escalated high-priority cases, preventing over $5M in potential losses.

● Confirmed reports of alleged fraudulent activity with cardholders/potential fraud victims and initiated investigative processes on affected accounts.

● Detected and identified high-dollar loss cases using fraud technology, relaying findings to senior management and Law Enforcement Team for further review.

Disseminated fraud trends and implemented preventive controls in collaboration with internal teams to mitigate future losses.

● Validated fraud claims and resolved complex disputes, ensuring compliance with regulations and enhancing customer satisfaction.

● Mentored and coached team members on claims and fraud prevention, bridging skill gaps to improve team effectiveness.

● Earned selection into the Specialty Investigations Intern Program due to strong performance, resulting in advancement to the Linker Associate role