DESTINI MARSH
ADDISON
Summary
Knowledgeable Risk Analyst with solid background in risk assessment and mitigation strategies. Recognized for developing effective risk management frameworks and contributing to successful navigation of complex financial landscapes. Demonstrated expertise in data analysis and risk modeling, ensuring compliance and minimizing potential threats.
Overview
5
5
years of professional experience
Work History
PAYMENTS RISK ANALYST
Intuit QuickBooks
06.2024 - Current
- Independently investigate, analyze, and resolve fraud and financial risk cases which include but are not limited to Underwriting, Transaction Risk, Collections, Chargebacks, and Compliance
- Investigate money movement of customers processing, successfully mitigating risks and reducing potential financial losses by approximately $50,000 month
- Extensive in-depth KYC/KYB research to validate customer and business(LexisNexis, GIACT, Microbilt, etc.)
- Collaborate with various departments to ensure compliance with risk management policies and procedures
- Ability to work under tight deadlines and prioritize tasks to meet SLAs
- Facilitated cross-functional team collaborations to identify and mitigate risks, fostering proactive risk management culture.
- Supported audits by providing required payment documentation.
FRAUD DETECTION SPECIALIST
PSCU
02.2024 - 06.2024
- Analyze, review and work electronic credit and debit card cases produced by the Falcon Fraud Detection System
- Maintain knowledge of changing fraud activity to analyze transaction patterns, identify trends, and respond quickly to high-risk situations
- Improved customer satisfaction through timely communication and resolution of fraud-related concerns.
- Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity
- Collected data from internal and external sources to facilitate meaningful analysis
FRAUD ANALYST
PNC Bank
01.2023 - 12.2023
- Develop and implement proactive fraud prevention measures based on identified trends and emerging threats
- Executes daily analysis of applications, ACH fraud, deposit fraud, identity theft and online account takeovers
- Analyze dispute information and make sound decisions on dispute cases and possess the ability to communicate negative results to customers when necessary
- Generate suspicious activity reports and risk management reports for Managers
BRANCH BANKER/TELLER
PNC Bank
04.2020 - 12.2022
- Strengthened client relationships, offering tailored financial advice to meet individual needs.
- Ensured compliance with bank policies and regulatory requirements to maintain a secure environment.
- Managed branch operations for seamless transactions and excellent customer experiences.
- Increased loan portfolio with diligent assessment of borrower applications and risk analysis.
- Processing lending applications( Credit cards, auto loan, personal lons)
- Trained and mentored junior banking staff to maximize performance, efficiency, and compliance
- Cashed checks, accepted deposits and withdrawals within assigned limits and calculated daily transactions using computers, calculators or adding machines
- Analyzed and mitigated fraud trends as first line of defense
- Completed SARS reports when suspicious activity occurs
Education
BACHELOR OF ARTS - POLITICAL SCIENCE AND GOVERNMENT
Northern Illinois University
CERTIFICATION - CREDIT RISK ANALYSIS SKILLS FOR RISK MANAGEMENT
Udemy
Skills
- Risk Management
- Regulatory Compliance
- SQL
- Fraud Detection
- Transaction Monitoring
- Critical Thinking
- Financial Analysis
- Due Diligence
- Risk Mitigation
- SAS Analytics
- Documentation Review
- Salesforce
- Credit Risk
- Compliance monitoring
- SARS
Timeline
PAYMENTS RISK ANALYST
Intuit QuickBooks
06.2024 - Current
FRAUD DETECTION SPECIALIST
PSCU
02.2024 - 06.2024
FRAUD ANALYST
PNC Bank
01.2023 - 12.2023
BRANCH BANKER/TELLER
PNC Bank
04.2020 - 12.2022
BACHELOR OF ARTS - POLITICAL SCIENCE AND GOVERNMENT
Northern Illinois University
CERTIFICATION - CREDIT RISK ANALYSIS SKILLS FOR RISK MANAGEMENT
Udemy
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