Gustavo Denys
Wells Fargo
San Antonio,USA
17
years of professional experience
Results-driven Fraud and Risk Professional with 18 years in financial services, specializing in fraud prevention, detection, and regulatory compliance. Expertise encompasses fraud risk assessment, complex investigations, and operational improvements. Demonstrated success as a Subject Matter Expert in fraud operations and policy interpretation, consistently delivering accurate loan underwriting and investigative analysis across various fraud typologies.
Work History
Fraud And Claims Operations Consultant
5 Years 2 Months- Conduct fraud investigations, dispute reviews, and root-cause analysis across 50+ fraud and claims typologies, identifying emerging fraud trends, systemic control weaknesses, and opportunities for fraud prevention and detection enhancements.
- Lead development and implementation of fraud governance policies and operational controls, strengthening compliance frameworks and maintaining a 0-audit-finding record.
- Lead change management as a subject matter expert for fraud and underwriting policies, achieving a 100% on-time implementation of policy updates- resulting in 0 federal or state sanctions.
- Partnered with compliance, legal, operations, and risk teams to identify regulatory concerns, improve existing processes, and recommend control enhancements to mitigate operational and compliance risk.
- Reviewed customer disputes, complaints, remediation cases, and regulatory requirements for consumer financial products and services, ensuring compliance and addressing client concerns.
Remediation Analyst
5 Years 6 Months- Coached and guided team members, partnering with leadership to enhance operational performance and strengthen fraud risk management.
- Identified operational and compliance issues, collaborated with business stakeholders on corrective actions, and monitored remediation efforts to reduce regulatory risk.
- Investigated 50+ customer complaints monthly, conducted root-cause analysis, validated business decisions, identified systemic issues, and recommended corrective actions, maintaining a record of zero audit findings.
- Presented complex risk exposures and investigative findings into executive-ready reports for leadership, compliance, and legal teams.
Consumer Loan Underwriter
5 Years 10 Months- Approved over $30M in consumer loans annually using Encompass LOS and FICO risk models, ensuring compliance with underwriting standards.
- Underwrote 60+ home loans monthly with 98% decision accuracy while maintaining audit findings below 1% over five years.
- Enhanced underwriting processes and decision-making tools, achieving 98% decision accuracy and reducing processing inefficiencies.
- Selected for Underwriting Decision Risk Panels to audit high-difficulty, error-flagged loan files, and successfully kept CFPB audit error rates below the 2% regulatory threshold and preventing federal sanctions.
- Achieved 98% Quality Assurance (QA), 92% Customer Satisfaction (CSAT), and 88% First Call Resolution (FCR) in high-volume loan servicing environment.
Education
Bachelors in science - Business Administration
Skills
Fraud Analytics & Investigations
Fraud detection
Financial Crimes & AML Compliance
Regulatory compliance
Risk Assessment & Mitigation
Operational Risk Management
Policy development
Stakeholder & Regulatory Communication
Process improvement
JIRA
Workflow Systems
Microsoft Office
Timeline
Fraud And Claims Operations Consultant
Wells Fargo
02.2021 - 04.2026Read More
Remediation Analyst
Wells Fargo
07.2015 - 01.2021Read More
Consumer Loan Underwriter
Wells Fargo
08.2009 - 06.2015Read More
Louisiana Tech University
Bachelors in science from Business Administration
Read More