Denise Vazquez
Fraud Specialist
Goodyear,Arizona
Summary
High-level professional specializing in fraud prevention and detection. Primarily servicing the banking industry with over 15 years experience.
Overview
12
12
years of professional experience
1
1
Language
Work History
Fraud Prevention and Detection Specialist
Jenius Bank
Goodyear, AZ
08.2023 - Current
- Review individual transactions alerts which appear suspicious to uncover possible fraudulent activity.
- Identify and respond to various fraud schemes such as email compromise, elder abuse, counterfeit checks, account takeovers, etc., recognizing red flags and performing additional tasks as needed.
- Employ advanced fraud detection tools and reporting mechanisms to identify and evaluate suspicious patterns and anomalies.
- Closely monitor evolving trends in fraudulent activities and proactively propose improvements to procedures and policies with the goal of strengthening fraud detection and prevention measures.
- Collaborate with team members to discuss fraud trends and brainstorm methods to combat this type of crime.
- Contact clients directly to notify of fraudulent activity and minimize impacts.
- Utilizing critical thinking skills and independent judgment in various situations.
- Complete tasks within daily deadlines efficiently and timely, with minimal supervision, ensuring compliance within Service Level Agreements (SLAs).
Senior Fraud Claims Analyst
Bank Of America
Phoenix, AZ
01.2023 - 08.2023
- Responsible for more involved investigative research and analysis of account activity to assess levels of risk for ATM Fraud and Debit Fraud.
- Ensures all actions are resolved in compliance with state regulations and bank procedures, integrity levels of the departments system and financial controls.
- Analyzed data to find patterns of fraud and anomalies.
- Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity.
- Collaborated with team members to discuss fraud trends and brainstorm methods to combat this type of crime.
- Managed chargeback claims for debit purchases and ATM withdraws in regards to dispute types, customer's rights, timeframes, chargeback reason codes, and Regulation E.
Quality Analyst
Bank Of America
Phoenix, AZ
10.2020 - 01.2023
- Effectively identify risk by administering evaluations using bank systems, including IQS, MS Excel, and MS Access.
- Apply corrective actions for identified quality defects based on established company procedures.
- Create strong relationships with department coaches to ensure a healthy Quality Environment.
- Recognize and report suspicious activity including, potential fraudulent activity, structuring, and employee or vendor misconduct.
- Served as liaison with AML operation analysts, managers, and coaches to ensure communication on defects or problem resolution; while building relationships.
- Identify process improvements; recommend solutions.
Operations Control Analyst
Bank Of America
01.2017 - 10.2020
- Researched and reported unusual activity related to potential money laundering and other suspicious activity using internal bank systems.
- Review and complete Currency Transaction Reports on transactions above federal limit within the department's service level agreement.
- Provide input to management on control weaknesses, policy enhancements, and training needs, as applicable, to ensure Anti-Money Laundering compliance.
- Build networks with internal partners, such as Financial Center Associates, Business Relationship Managers, and Wealth Management to ensure accuracy to Financial Crimes Enforcement Network (FinCen).
- Assist with on-the-job training for new hires.
- Meet quality control and production goals.
Claims Analyst
Bank Of America
Phoenix, AZ
08.2014 - 01.2017
- Resolved customer ATM claims independently within company policy and procedures.
- Analyzed, investigated and made decisions on claims utilizing multiple internal systems, such as Interact, Boss, and Lean.
- Communicated claim results to clients verbally by phone or by written correspondence.
- Achieved monthly production goals while maintaining high quality standard.
- Maintained relationships with our fraud partners to ensure active fraud cases were handled according to our procedures.
Technical Liaison
Bank Of America
08.2012 - 08.2014
- Independently managed multiple product queues while maintaining high quality service, exceeded service level agreements, ensure proper documentation and authentication.
- Utilized various internal systems and policy procedures to identify and resolve client's online banking issues that have been escalated above 2nd tier support for online banking.
- Supported Executive Customer Relations cases that were delicate in nature.
- Supported miscellaneous projects or escalations from various business partners.
- Continuous cross training and professional development.
- Small Business, National Service and Solution.
Education
Associates - Communication
Estrella Community College
Avondale, AZ 05.2016 - 05.2016
Skills
Document processing
Analytical skills
Conflict resolution
Interpersonal Communication
MS Excel, Power Point, and Word
Timeline
Fraud Prevention and Detection Specialist
Jenius Bank
08.2023 - Current
Senior Fraud Claims Analyst
Bank Of America
01.2023 - 08.2023
Quality Analyst
Bank Of America
10.2020 - 01.2023
Operations Control Analyst
Bank Of America
01.2017 - 10.2020
Associates - Communication
Estrella Community College
05.2016 - 05.2016
Claims Analyst
Bank Of America
08.2014 - 01.2017
Technical Liaison
Bank Of America
08.2012 - 08.2014