Dana Munson
Celina,TX
Summary
Smart financial professional applies strong problem-solving and decision-making skills in job tasks. Self-motivated with good understanding of evaluating credit history, financial stability and risks. Diligent individual with strong work ethic.
Overview
14
14
years of professional experience
Work History
Merchant Risk Analyst/Underwriter
Pushpay
09.2023 - Current
- Onboard approved merchants for cards (First Data), ACH (Check Commerce), and remote deposits (ProfitStars)
- Onboard and configure merchants onto Cybersource, NMI, Stripe or Payeezy payment gateways.
- Review, underwrite and make changes to merchant accounts-DDA changes,DBA/Legal name change, address change,processing limits, funding holds, and various one-off tickets.
- Underwrite one-third of all merchant applications validating organization, signing authority, and banking information.
- Approve, decline, or transfer merchant applications to 3rd party partners
- Assist in fraud management through daily analysis of large transaction, returns, chargebacks, and periodic reviews
- Underwrite all Enterprise applicants in the nonprofit sector for payment processing
- Identify fraudulent behavior by analysis of credit card BINS, IP Addresses, donor behavior, donor phone/email, and donor history
- Monitor customer risk statuses and Sift Science daily to detect, mitigate, and prevent fraud instances
Chargeback Analyst
Cardtronics USA
09.2019 - 10.2023
- Performed various accounts receivable functions, including cash receipts posting, updating cash flow reports and researching chargebacks and write-offs.
- Responded to fraud alerts, chargebacks and disputes.
- Process all incoming disputes from issuer banks in different networks.
- Reviewed daily documentation in response to re-presentments.
- Research and process pre-arbitrations within network timeframes on both issuer and acquirer side.
- Review transactions to determine the appropriate network routing of the transaction and then ensure network re-presentment rules are met before submitting to the network for credit.
- Process debit and credit adjustments to cardholders, issuer and acquirer banks.
- Review incoming journals an validate if the documentation supports filing re-presentments with networks.
- Updated financial institutions database with case details and updates.
- Developed customized reports for senior management, highlighting areas of concern and recommending strategic improvements based on findings.
- Collaborated with cross-functional teams to develop comprehensive fraud prevention policies and procedures.
- Improved company reputation for secure transactions with vigilant monitoring of potential fraudulent activities.
Commerial/Corporate Collection Agent
CSC ServiceWorks
05.2017 - 09.2019
- Handled and scheduled recovery process of leased equipment due to delinquency, abandonment or termination of services.
- Identified and collected on overdue accounts to minimize outstanding receivables.
- Managed daily calls to customers and provided continuous follow up.
- Negotiate payment arrangements with customers and processed account adjustments.
- Processed one-time credit card and ACH payments.
- Entered all actions, comments and payment arrangements on accounts.
- Updated all account information.
Chargeback/Fraud Analyst
FIS
12.2014 - 04.2017
- Setup all incoming fraud and consumer dispute claims from various financial institutions.
- Processed faxes/ NR reports.
- Monitored transactions for potential fraudulent activity to minimize financial losses to merchant/customers.
- Analyzed fraud alert queues for suspicious activity.
- Contacted financial Institutions regarding suspicious merchant deposits.
- Updated investigation database with financial institution responses.
- Conducted new merchant account reviews for any unusual activity.
- Updated fraud database as assigned. Debit, credit, prepaid debit, ATM and healthcare fraud support.
- Verified authorizations via returned called from cardholders.
- Contacted financial institutional regarding suspicious cardholder activities.
- Resolved escalated call from customer service.
Merchant Relationship Support Associate
ClearPay Financial Solutions, LLC
07.2010 - 11.2014
- Updated investigation database with financial institution responses.
- Conducts new merchant account reviews for suspicious activity.
- Made the determination when it is appropriate to initiate an account to Investigations based on suspicious activity.
- Updated fraud databases as assigned.
- Debit, Credit, Prepaid Debit, ATM, and Health Care Fraud Support.
- Verified authorizations via return calls from cardholders.
- Contacts financial institutions regarding suspicious cardholder activities.
- Resolved suspicious phone calls transferred from Customer Service.
- Responded to inbound inquiries from associate and principal banks and direct merchants.
- Assisted agent banks and merchants with first level terminal related issues.
- Provided research, reporting, and accounting related support to our agent banks and merchant customers, Assisted in maintaining department service level goals established by customer services support manager.
- Performed data entry and maintenance on the FDR system.
- Promoted a positive relationship and exemplary customer service between ClearPay and all of their customers.
- Identified ways to improve service levels and productivity within the department.
- Provided options and advice to meet the objectives of our customers.
- Provided support and assistance to agent banks and merchants with online product offerings.
Education
BBA - Business
University Of Phoenix
Milwaukee, WISkills
- Fast learner with a wide range of practical skills
- Operational risk management
- SQL Proficiency
- Proficient in all MS Windows programs
- Filing and data archiving
- Credit risk evaluation
- Loss forecasting
- Risk mitigation strategies
- Merchant underwriting
- AML Knowledge
- Credit analysis
- Risk Mitigation
- Analytical Thinking
- Risk analysis training
- Conducting investigations
System Knowledge
- Visa
- Discover/Pulse
- AccessOne/First Data
- AWS
- Salesforce
- Giact
- Check Commerce
- JackHenry/ProfitStars
- Dropbox
- Stripe
- Cybersource
- Payeezy
- NMI
- Paycom
- Data Navigator
- CSI
Timeline
Merchant Risk Analyst/Underwriter
Pushpay
09.2023 - Current
Chargeback Analyst
Cardtronics USA
09.2019 - 10.2023
Commerial/Corporate Collection Agent
CSC ServiceWorks
05.2017 - 09.2019
Chargeback/Fraud Analyst
FIS
12.2014 - 04.2017
Merchant Relationship Support Associate
ClearPay Financial Solutions, LLC
07.2010 - 11.2014
BBA - Business
University Of Phoenix
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