Dawry A. Rosado
Sicklerville
Summary
Analyzed complex cases of fraud and risk, applying over 5 years of specialized knowledge in insider threat detection and financial crime risk management.
Overview
7
7
years of professional experience
Work History
Fraud Specialist
TD Bank
08.2022 - Current
- Communicated analytical insights and corrective action plans to management, aimed at reducing organizational exposure.
- Executed detailed analyses of fraud cases to inform strategic development of prevention measures and forecasting models.
- Executed investigative duties to assess and uncover evidence of suspicious activities.
- Conducted thorough investigations of escalated transactions to mitigate lending fraud risks and support operational integrity.
- Evaluated current fraudulent activities against the bank to strengthen fraud prevention measures and mitigate potential losses.
- Collaborated with partners to identify vulnerabilities in transaction processes, aiming to mitigate potential fraud risks.
- Ensured accuracy and organization of department records to effectively track escalated cases.
- Reviewed and updated lending policies to ensure alignment with best practice fraud prevention and detection standards.
- Facilitated discussions with executives and senior management to analyze and address current fraud trends.
- Maintained up-to-date knowledge of emerging trends to enhance operational effectiveness.
- Collaborated with businesses to address procedural weaknesses, ensuring implementation of remediation processes and follow-up for corrective actions.
- Facilitated project initiatives by leading work streams and providing subject matter expertise, aligning with established project management practices.
- Reported and escalated identified risk issues and process gaps to enhance operational integrity.
- Facilitated collaboration among team members to optimize work processes. Delivered coaching and mentorship to improve individual and team capabilities. Drove initiatives that enhanced overall team productivity.
- Designed and implemented detection formulas and rules in partnership with performance management to enhance fraud prevention efforts.
- Engaged with partners to collect essential information supporting investigative efforts.
- Performed investigations to ensure timely resolution of issues while maintaining high professional standards.
- Engaged in continuous learning of business-related tools and techniques to support operational effectiveness.
- Enhanced rule sets and detection models to mitigate financial losses and support organizational integrity.
- Conducted thorough analysis of fraud detection reports to enhance risk mitigation strategies.
- Conducted thorough investigations to resolve complex cases of suspected fraudulent transactions and mitigate risks.
Fraud Agent II – TD Ameritrade Fraud Investigator
TD Bank
05.2021 - 08.2022
- Monitored incoming fraud chains to conduct thorough investigations.
- Investigated various types of fraud claims, including ATM, debit, digital, and merchant transactions. Supported teams in identifying fraudulent activities and implementing preventive measures. Assisted in documenting findings and reporting discrepancies to management.
- Evaluated and researched evidence and documents to analyze overall fact pattern of claims.
- Assisted team members in completing work tasks effectively. Provided training and guidance to enhance team performance. Supported colleagues in achieving project goals.
- Conducted data gathering and analysis to identify and resolve complex issues.
- Executed thorough processing, investigation, and adjudication of assigned claim fraud files.
- Managed workload distribution across multiple queues to ensure adherence to service level agreements.
- Developed and designed comprehensive US fraud investigator questionnaire.
- Evaluated and articulated strategic ideas to bank leadership to enhance business operations.
- Investigated fraud cases, leveraging analytical skills to identify suspicious activities and mitigate risks.
Fraud Agent I
TD Bank
04.2020 - 05.2021
- Assessed and analyzed potentially suspicious account activity, escalating findings for further investigation and due diligence as necessary.
- Collaborated effectively within teams while demonstrating strong independent work capabilities.
- Demonstrated expertise in transaction products, services, systems, and technical processes relevant to line of business.
- Evaluated data to identify and resolve issues, escalating matters as necessary.
- Achieved consistent work productivity and quality ratings exceeding 100%.
- Managed multiple queues to optimize claim processing efficiency.
Lead Bank Teller
TD Bank
09.2018 - 04.2020
- Managed client deposits, withdrawals, and financial interactions, ensuring seamless transactions.
- Assisted in maintaining and updating banking databases to ensure smooth operations. Supported software installation and troubleshooting for banking programs. Collaborated with team members to enhance database efficiency and reliability.
- Drove proactive sales of diverse company products and services, including personal and business referral accounts, credit cards, and loans.
- Oversaw daily cash transactions exceeding $100,000, ensuring accurate management of branch funds.
- Executed precise balancing of cash and vault drawer at high-volume branch, ensuring zero discrepancies.
- Executed over 300 daily transactions, managing an average of $80,000 in a high-traffic branch.
Education
Bachelor of Arts and Sciences - Criminal Justice
Rutgers University
Camden, NJ09.2019
Skills
- Conducted thorough analysis of fraud patterns through the design and implementation of SQL queries
- Achieved improved data analysis efficiency by implementing advanced Excel functions, including VLOOKUP, pivot tables, and macros Enhanced reporting capabilities through effective training on Excel tools Drove process improvements by utilizing Excel features to streamline workflows
- Analyzed complex datasets and developed visualizations to enhance understanding of key trends and patterns
- Achieved significant reductions in fraud incidents through effective utilization of detection tools Drove successful investigations that uncovered key insights into fraudulent behaviors Enhanced overall security measures by analyzing and addressing vulnerabilities in existing systems
- Achieved significant reductions in fraud incidents through proactive risk assessments and strategic mitigation strategies Enhanced organizational resilience by implementing robust fraud prevention protocols Drove improvements in risk management processes to safeguard assets and reputation
AWARDS & ACTIVITIES
WoW! Star of the Month July 2025, WoW! Star of the Month February 2024, Q1 WoW! Star 2023 January 2023, WoW! Star of the Month December 2022, Recognized as TD Bank Employee of the Month September 2019, Awarded TD Bank Employee of the Quarter April 2019
INTERNSHIPS
- New Jersey State Police August 2018
- Woodstown, NJ
- Assisted on investigation with critical thinking and reading reports.
- Performed weapons registration.
- Organized and performed electronic inventory.
- Able to perform in investigation with professionals.
Languages
Spanish
Native or Bilingual
Timeline
Fraud Specialist
TD Bank
08.2022 - Current
Fraud Agent II – TD Ameritrade Fraud Investigator
TD Bank
05.2021 - 08.2022
Fraud Agent I
TD Bank
04.2020 - 05.2021
Lead Bank Teller
TD Bank
09.2018 - 04.2020
Bachelor of Arts and Sciences - Criminal Justice
Rutgers University