Dwight Wilborn
Dallas,TX
Summary
Knowledgeable Risk Manager equipped with strategic planning and program leadership abilities honed in Risk and Compliance industry environments. Establishes strong and successful policies to mitigate risk at each level and establish clear procedures for assessments, prevention and containment. Familiar with regulatory requirements to maintain strict controls. Effective in training team members to proactively identify and highlight potential risks. Dedicated to long-term risk management by building strong internal protocols and instilling culture of responsibility and attentiveness.
Overview
20
20
years of professional experience
Work History
Risk Supervisor
EVO Payments
01.2021 - Current
- Monitor the Company's risk situation and internal capital adequacy as well as compliance with the risk limits in place on an ongoing basis.
- Develop and improve a system of risk ratios and a procedure for the early detection of risks.
- Recommended appropriate risk management interventions and assisted with implementation of risk management recommendations at individual provider offices, group practices and facilities.
- Create reports and summaries of portfolio and industry trends; document processes and procedures.
- Report key risk and control indicators of department and business units.
- Reviewing and updating reserve amounts for merchant portfolio within approval authority.
- Reduced operational risks by implementing robust risk management strategies and procedures.
- Enhanced risk identification processes for early detection and mitigation of potential threats.
- Developed strong relationships with internal stakeholders, promoting a culture of risk awareness and accountability.
- Improved company''s risk profile with comprehensive risk assessments and reporting mechanisms.
- Enhanced fraud detection by implementing advanced risk analysis techniques and tools.
- Reduced merchant chargebacks by closely monitoring high-risk accounts and taking appropriate actions within compliance of VISA Mastercard.
- Increased team productivity by implementing streamlined processes and effective communication strategies.
Risk Analyst
CSG Forte Payments
01.2019 - 02.2021
- Analyze data to calculate risk metrics to identify and classify risk profiles.
- Develop risk assessments based on financial statements, credit bureau files, and consumer and business profiles and establish quality control measures.
- Support less-experienced risk associates with escalations and exception requests.
- Review and assess reports of suspicious account activity and identify requirement violations and restricted activities.
- Prepare and distribute interoffice and customer communications that could include such items as new or annual program risk evaluations, assessment of individual risk profiles, and process statuses.
- Enhanced risk management processes by implementing advanced statistical analysis and data modeling techniques.
- Reduced financial losses due to effective identification and mitigation of potential risks in the portfolio.
- Championed a culture of proactive risk management within the organization, fostering an environment where employees at all levels recognized their roles and responsibilities in maintaining effective controls.
Risk Analyst - QC Tester
Fidelity Investments
03.2018 - 04.2019
- Performs detailed investigations of non-conforming product deviations determines root causes and monitors corrective actions put in place for effectiveness
- Participates in quality improvement programs and makes recommendations to management for process improvements
- Analyze business requirements and technical requirements to determine system test schedules and detailed estimates of work
- Validate test scripts for policy and procedure testing
- Serving as functional liaison between line of business and lines to mitigate risk
- Working with business units to ensure compliance control systems and processes are effective and efficient and working in line with corporate standards
- Conducting periodic reviews and checks to identify process gaps including advisory and ad-hoc projects
- Develop an operational risk program identifying key risk indicators, reporting, risk self-assessments, and an action plan with tracking of follow-up items.
- Reduced financial losses due to effective identification and mitigation of potential risks in the portfolio.
- Enhanced risk management processes by implementing advanced statistical analysis and data modeling techniques.
- Optimized credit risk monitoring systems by incorporating real-time data feeds and predictive analytics tools.
Risk Analyst
Epic Pay
01.2017 - 01.2018
- Review Risk Control Self-Assessment results conducted by the 1st line to assess whether the proper risks are identified and to verify the effectiveness of the control environment.
- Placed merchant accounts on ACH holds as necessary.
- Reviewed transaction in multiple flat forms, and evaluated real time fraud.
- Performed periodic reviews for all high risk and high volume merchants.
- Accessed Risk systems daily and analyzed merchants who exceeded established risk parameters.
- Maintained compliance with Bank Secrecy Act (BSA) policy and procedures.
- Reviewed system-generated reports; completion of Currency Transaction Reports (CTR); review and completion of CTR exemptions; completion of Suspicious Activity Reports (SAR).
- Reduced financial losses due to effective identification and mitigation of potential risks in the portfolio.
- Enhanced risk management processes by implementing advanced statistical analysis and data modeling techniques.
Fraud Risk Analyst
Santander Consumer USA
01.2015 - 01.2016
- Provided an independent and objective assessment of fraud arising within company.
- Designed, developed, and maintained processes to track, monitor, and report fraudulent activities.
- Evaluated results and presented insights and best practices to senior management.
- Proactively supervised the identification, assessment, measurement, mitigation and monitoring of fraud and fraud trends both internally and externally.
- Stayed abreast of industry news and regulatory changes/developments pertinent to the industry to facilitate a more proactive approach to fraud risk identification and mitigation.
- Developed and maintained partnership with internal business owners and external agencies to continually improve and strengthen internal and external fraud investigation, detection, and prevention controls and processes.
- Prepared Risk Event Reports, as required and provided to AML officer for submission.
- Assessed current and new business processes to identify potential opportunities to enhance processes to identify, educate, and prevent fraudulent activities.
Portfolio Analyst
JP Morgan Chase
01.2009 - 01.2015
- Exercised judgment and independent decision making for complex financial issues.
- Investigated and verified financial status and reputation of prospective customers applying for credit; reviewed credit references and Dunn and Bradstreet date to determine applicant suitability.
- Innovatively solved problems with focus on producing significant bottom line results.
- Conducted regular risk assessments and quality assurance reviews to evaluate compliance with requirements to identify potential gaps in policies, procedures and business processes.
- Provided assistance as a liaison between various departments and reconcile any pressing issues.
- Performed a financial narrative analysis of varying length on financial statements provided by the company, including company background, processing history, and ownership.
- Reviewed business model and processing characteristics for existing merchants to ensure and report to compliance with brand rules and regulations.
- Enhanced portfolio performance by conducting thorough research and analysis of financial markets.
SBA Credit Analyst
1ST International Bank
01.2006 - 01.2008
- Established underwriting guidelines, created lending policies and modified pricing model to optimize departments profitably and minimize losses.
- Reviewed and adjusted credit lines on a regular basis; revoked lines of credit upon receipt of external information pertinent to financial were withal of client.
- Collected delinquent loan portfolio, ordered repossessions, satisfied liens, and communicated directly with senior management to implement department policy changes.
- Compiled and reported all bad debts and credit losses on a quarterly basis.
- Managed loan portfolio of $4 Million in DFW area.
- Promoted sales culture within branch to encourage cross selling of bank products and services to existing customers.
- Originated and packaged SBA Loans for local small business adhering to policy guidelines.
- Evaluated portfolio risk and implements adjustments to achieve and exceed goals.
- Streamlined the loan approval process for faster results by implementing an efficient credit scoring system.
- Spearheaded the internal loan review department for volatile loans.
Credit Analyst & Retail Banker
Century Bank
01.2004 - 01.2006
- Provided assistance in the monthly audit process by ensuring supporting documentation agreed to monthly reports (CASH software and Tickler Monitoring - Moody's software).
- Underwrote and monitored commercial credit and interim construction lines of credit - in house mortgage financing
- Bundled portfolio to be securitized or wholesaled to 3rd party investors
- Reviewed borrowing bases submitted by existing customers to maintain control of accounts receivables and concentrations
- Conducted credit investigations, and communicated all credit-related issues to senior management.
Education
Bachelor of Business Administration in Business Management -
University of Texas At Arlington
Arlington, TX05.2004
Skills
- Risk Advisory
- Reserves Recommendations
- Strategic Planning
- Risk Mitigation
- Exposure Assessment
- Trend Analysis
- Regulatory compliance
- Organizational skills
- Decision making
- Performance measurement
- Cash Management
- Payment Processing
Timeline
Risk Supervisor
EVO Payments
01.2021 - Current
Risk Analyst
CSG Forte Payments
01.2019 - 02.2021
Risk Analyst - QC Tester
Fidelity Investments
03.2018 - 04.2019
Risk Analyst
Epic Pay
01.2017 - 01.2018
Fraud Risk Analyst
Santander Consumer USA
01.2015 - 01.2016
Portfolio Analyst
JP Morgan Chase
01.2009 - 01.2015
SBA Credit Analyst
1ST International Bank
01.2006 - 01.2008
Credit Analyst & Retail Banker
Century Bank
01.2004 - 01.2006
Bachelor of Business Administration in Business Management -
University of Texas At Arlington