Jose Garcia
Austin,TX
Summary
Dynamic Fraud and Risk Specialist with 7+ years of experience in card and transaction fraud detection, prevention, and analytics. Skilled at identifying fraud patterns, optimizing detection rules, and improving monitoring processes to reduce losses and strengthen internal controls. Passionate about collaborating across teams, proactively addressing challenges, and implementing solutions that improve processes and outcomes. Experienced in coaching, training, and building team strengths, with a track record of leveraging analytics to drive operational efficiency. Bilingual in English and Spanish, enabling clear communication with diverse stakeholders.
Overview
9
9
years of professional experience
Work History
Fraud Specialist II Inventory Management
JP Morgan Chase
03.2021 - 06.2025
- Scrutinized complex card ACH and wire transactions for potential fraud detection and prevention, guaranteeing compliance with regulatory requirements and internal risk guidelines
- Facilitated fraud rule optimization initiatives by identifying transaction patterns and suggesting detection enhancements.
- Implemented fraud analytics for transaction monitoring, assessment of risk metrics, and reduction of fraud losses, strengthening operational controls.
- Worked alongside cross-functional teams to advance card risk management, implement model modifications, and strengthen fraud detection processes (card risk management model enhancement).
- Summarized investigations and assembled thorough reports for stakeholder review and audit readiness.
- Coached team members in investigative best practices and fraud monitoring strategies, promoting professional development and improving team efficiency.
Fraud Specialist IV Phones
JP Morgan Chase
09.2018 - 03.2021
- Conducted investigations of card, ACH, and wire transactions to detect suspicious activity and prevent fraud.
- Applied analytics and pattern recognition to identify first- and third-party fraudulent activity.
- Escalated high-risk or complex cases to senior teams, supporting timely risk mitigation and reduction of financial losses.
- Maintained detailed case documentation for audit-readiness and compliance.
- Collaborated with cross-functional teams to refine fraud detection rules, monitoring strategies, and operational efficiency.
- Trained new team members on investigative techniques, case management tools, and fraud workflows, boosting team effectiveness.
Retail & Operations Roles
Urban Outfitters/ Pacsun/ Etain Industries/ Fed Ex
05.2016 - 09.2018
- Monitored transactions and enforced loss-prevention policies, reducing discrepancies and ensuring compliance.
- Verified documentation for customer transactions and shipments to maintain audit-readiness and strengthen operational controls.
- Reported operational irregularities and implemented process improvements, streamlining workflows and improving team performance.
- Collaborated with team members and management to enhance operational efficiency and reduce potential losses.
Education
High School Diploma -
Nimitz HighSchool
Irving, TX05-2016
Skills
- Card Fraud Prevention
- Fraud Rule Development
- Fraud Analytics
- Transaction Monitoring
- Risk Metrics Monitoring
- Stakeholder Reporting
- Suspicious Activity Detection
- Card Risk Management
- Fraud Monitoring Tools
- Risk Trend Analysis
- Fraud Strategy Support
- Mentoring & Training
Timeline
Fraud Specialist II Inventory Management
JP Morgan Chase
03.2021 - 06.2025
Fraud Specialist IV Phones
JP Morgan Chase
09.2018 - 03.2021
Retail & Operations Roles
Urban Outfitters/ Pacsun/ Etain Industries/ Fed Ex
05.2016 - 09.2018
High School Diploma -
Nimitz HighSchool