John Pacheco
Salt Lake City,UT
Summary
Customer-focused Financial Crimes Specialist with superb organizational and verbal communication skills. Successfully monitors account activity and performs general account handling functions. Independent and honest to balance multiple projects at once. Adept at reviewing, verifying, and identifying customer transactions to detect and prevent financial crimes. Expertise in using variety of sources for finding information.
Overview
8
8
years of professional experience
Work History
Consumer Financial Crimes Compliance
Insight Global/Goldman Sach
Draper, UT
03.2024 - Current
- Investigate and review customer disputes, review fraudulent accounts and write the proper SAR reports, investigate claims of Apple Card fraud, investigate claims of ID Theft.
- Participated in regular meetings with senior management teams to discuss progress on key initiatives related to preventing and detecting financial crimes.
- Prepared detailed reports on all findings related to financial crimes investigations.
- Assessed compliance with applicable laws, regulations, guidelines, industry standards.
- Analyzed financial transactions for any irregularities or potential criminal activity.
- Managed multiple projects simultaneously while meeting deadlines.
Operational Risk Analyst
Bill.com/Divvy
Draper, UT
05.2022 - Current
- Documented significant events that could impact operations or pose a threat to organizational objectives.
- Communicated effectively with stakeholders at all levels regarding identified risks and mitigation strategies.
- Assisted in the development of policies and procedures for mitigating operational risks.
- Coordinated with internal stakeholders to develop comprehensive corrective action plans for identified risks.
- Performed data analysis using statistical techniques to identify trends in operational risk exposures.
- Identified, analyzed, and evaluated operational risks across multiple business lines.
- Participated in the review process of new products or services to assess associated operational risks.
- Collaborated with other departments to ensure that all relevant information is considered when assessing operational risks.
- Analyzed financial transactions for any irregularities or potential criminal activity.
- Managed multiple projects simultaneously while meeting deadlines.
- Prepared detailed reports on all findings related to financial crimes investigations.
Fraud support specialist
BlueVine
Salt Lake City, UT
01.2021 - 04.2022
- Evaluated existing processes and procedures for potential areas of improvement.
- Assisted in the development of user training materials and FAQ documents.
- Tested new software releases prior to deployment in production environment.
- Created detailed reports of all service activities for management review.
- Collaborated with various stakeholders to analyze and implement updated policies and procedures.
- Performed daily risk and operations reports to identify system weaknesses.
- Managed multiple projects simultaneously while meeting deadlines.
Fraud Prevention Specialist
LendingClub
Draper, UT
08.2019 - 04.2020
- Responded promptly to customer inquiries about suspected cases of fraud or other issues related to their accounts.
- Collaborated with law enforcement authorities when necessary regarding criminal investigations into alleged fraud.
- Utilized specialized software tools to detect anomalous patterns in customer data which could indicate fraudulent activity.
- Documented all investigative activities, evidence gathered, conclusions reached, and actions taken during a case investigation.
- Reviewed and analyzed customer account activity to identify any fraudulent activities.
- Analyzed data from multiple sources to detect any suspicious trends or anomalies indicating potential fraudulent activities.
- Implemented anti-fraud measures such as identity verification protocols and real-time alerts on high-risk transactions.
- Investigated suspicious transactions, identified potential fraud patterns, and reported findings to the management team.
Financial Crimes Specialist II
Wells Fargo
Salt Lake City, UT
03.2019 - 07.2019
- Participated in regular meetings with senior management teams to discuss progress on key initiatives related to preventing and detecting financial crimes.
- Provided training to staff members on how to detect and prevent financial crimes.
- Analyzed financial transactions for any irregularities or potential criminal activity.
- Conducted investigations of suspected fraudulent activity by gathering data from various sources.
- Identified and reported possible fraud, money laundering and other financial crimes to the appropriate law enforcement agencies.
- Reviewed customer accounts for suspicious activities and potential money laundering.
- Researched current trends in the field of financial crime prevention and detection.
OES/Fraud Investigator
EBay
Draper, UT
09.2016 - 02.2019
- Analyzed customer data for potential fraud indicators.
- Responded promptly to reports from customers regarding possible fraudulent activities.
- Managed multiple projects simultaneously while meeting deadlines.
- Evaluated internal processes and procedures to detect areas of vulnerability to fraud.
- Identified patterns of suspicious activity across multiple accounts or transactions.
- Reviewed customer accounts for evidence of fraudulent activity.
- Participated in meetings with senior leadership team to discuss potential risks associated with current trends in fraud detection.
- Assisted in the development of new policies and procedures related to fraud prevention.
- Provided training and mentoring to other staff members in the area of fraud investigation.
- Developed strategies to identify, prevent, and mitigate instances of fraud.
Education
Associate of Science - Criminal Justice
ITT Tech
Murray, UT05.2010
High school -
Granger High School
06.2001
Skills
- Customer Service
- Fraud investigator
- Management
- Legal Research
- Case Management
- Technology
- Criminal investigation
- Writing Skills
- Intelligence analysis
- Filing
- Fraud support
- Financial crimes
- Fraud Analyst
- Risk analysis
- SQL
- Financial services
- Debits & credits
- E-commerce
- Tableau
- Risk management
- Documentation review
- Mac OS
- Google Suite
- Machine learning
- Windows
- Databases
- Lexis-Nexis
- Analytics
Additional Information
Created an SOP from scratch for a new department that was just started., Beta tested new programs for data team to create app that are used on a day to day basis., Worked to break back $2mil back to the company over a year and a half period, Closed over 2000 accounts that were taken over from a BIN attack-first few digits on a credit card., After the Bin attacks we saved over $125,000 in transaction loss., Performed over 500 investigations and closed over 300 bad accounts in a less than a year., Averaged 150 + transaction reviews per day and averaged over 10 investigations per day, Reviewed several hundred documents for onboarding in three ways as we were transitioning to a new banking partner., I created a list of all linked bank accounts that were connected for customer for their business and monitored daily to maintain connections for payments., In the course of a year I closed over 2000 accounts that were potential fraud., Handled over 30 calls daily to verify transactions and bank accounts
Personal Information
Work Permit: Authorized to work in the US for any employer
Timeline
Consumer Financial Crimes Compliance
Insight Global/Goldman Sach
03.2024 - Current
Operational Risk Analyst
Bill.com/Divvy
05.2022 - Current
Fraud support specialist
BlueVine
01.2021 - 04.2022
Fraud Prevention Specialist
LendingClub
08.2019 - 04.2020
Financial Crimes Specialist II
Wells Fargo
03.2019 - 07.2019
OES/Fraud Investigator
EBay
09.2016 - 02.2019
Associate of Science - Criminal Justice
ITT Tech
High school -
Granger High School
Similar Profiles
NIJA THANKAPPANNIJA THANKAPPAN
Associate Process Manager at Eclerx - Goldman SachAssociate Process Manager at Eclerx - Goldman Sach
Linardo ThorneLinardo Thorne
Senior Project Manager (Environmental Coordinator) at Insight Global (Contract With FM Global)Senior Project Manager (Environmental Coordinator) at Insight Global (Contract With FM Global)
Doyong KimDoyong Kim
Senior Associate at Goldman Sachs, Global Banking & MarketsSenior Associate at Goldman Sachs, Global Banking & Markets