JOSEPH MELILLO
First Commerce Bank
Toms River
1
Certification
1
year of professional experience
Economics graduate and Universal Community Banker with a strong analytical foundation in financial data, econometrics, and macroeconomic trends. Proficient in R programming and leverage S&P Capital IQ Pro to monitor First Commerce Bank’s financial performance, evaluate market conditions, and support informed client interactions. Known for a strong work ethic and collaborative approach that helps maintain efficient, reliable branch operations.
Work History
Universal Community Banker I
7 Months- Assisted clients with account inquiries and service requests, ensuring timely resolution.
- Collaborate with branch operations manager to streamline daily operations and improve customer experience.
- Implement fraud prevention measures and assist operations manager to protect clients from unauthorized access to their accounts or personal information theft incidents every morning when confirming ACH payments and other transactions with customers.
- Apply risk-management principles to verify information, reduce errors, and maintain audit-ready documentation by communicating with Chief Risk Officer.
- Assist loan officers with loan applications and documentation, in an effort to maintain accuracy throughout review process.
- Utilize S&P Capital IQ Pro subscription to prepare data-driven insights for clients, including bank financial health, interest rate trends, and market conditions impacting lending and deposit decisions.
- Integrate Capital IQ Pro analytics into client consultations to strengthen trust, transparency, and financial literacy.
Temp Data Analyst, Loss Prevention
3 Months- Analyzed inventory discrepancies, shrink patterns, and operational risks across 1,000+ retail locations.
- Led daily Microsoft Teams meetings with Loss Prevention Regional and District managers throughout the United States to present findings and discrepancies identified at their assigned locations.
- Participated in weekly teams meetings with senior and regional level risk/asset protection management to address internal and external fraud cases as well as ideas to reduce shrink.
- Built Microsoft Power BI dashboards to track loss trends, improving visibility into high-risk SKUs and store-level performance with Senior Data Analyst.
- Collaborated with LP and operations teams to strengthen controls — experience directly relevant to procurement risk, vendor reliability assessment, and inventory accuracy.
- Conducted data cleaning, variance analysis, and root-cause investigations to support fraud prevention initiatives.
Education
Master of Arts - Economics
- Thesis: "Beyond Homo Economicus: Rationality and Its Discontents Across Modern Economic Thought", My thesis critically examines how different schools of economic thought define and interpret rationality, moving beyond the narrow neoclassical model of Homo Economicus. It contrasts the optimization‑driven assumptions of neoclassical theory with the empirical deviations highlighted by behavioral economics, the uncertainty‑centered decision framework of Keynesian thought, and the power‑ and class‑focused perspective of Marxian analysis. By placing these traditions in dialogue, the work shows that rationality is not a single universal construct but a contested, evolving idea shaped by psychology, institutions, information, and social relations. The result is a synthesized understanding of economic decision‑making that is richer, more realistic, and more attentive to the complexities of human behavior and economic systems.
Bachelor of Science - Marketing with a minor in Economics
Skills
Loan processing
S&P Capital IQ Pro
Microsoft Office Suite
DAG analysis
IV estimation
PSM techniques
AIPW methods
RDD analysis
DiD analysis
RCT design
Sensitivity testing
Regression Discontinuity Design (RDD)
Data management
Randomized Controlled Trials (RCTs)
Sensitivity Analysis
Statistical analysis
MINITAB
Fraud detection
Digital reporting
Excel data analysis
Certification
- Capital IQ Pro 101 Certification S&P Global Market Intelligence Issued Jun 2026
- Financial Risk Management certification Issued by ADP - Apr 2026
- Fundamentals of Risk Management Issued by ADP - Apr 2026
- Statistics: Data Analysis Basics Issued by ADP - Apr 2026
Timeline
Universal Community Banker I
First Commerce Bank
01.2026 - CurrentRead More
Temp Data Analyst, Loss Prevention
Spencer’s/Spirit Holdings Inc.
08.2025 - 11.2025Read More
John Jay College of Criminal Justice
Master of Arts from Economics
Read More
Stockton University
Bachelor of Science from Marketing with a minor in Economics
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Working Paper
- “The Real Price of Oil and the Taylor Rule: A New Keynesian Framework and SVAR Regression Analysis of Nominal Rigidities”
- Estimated a monthly structural VAR (1974–2026) to study how real oil price shocks influence global economic activity and U.S. monetary policy.
- Verified model stability and strong identification; extended lag length to 14 to reduce serial correlation to acceptable levels.
- Found that oil shocks lead the Federal Reserve to raise interest rates, consistent with New Keynesian predictions.
- Historical decomposition showed meaningful contractionary effects during 1980–83, 2008–09, and 2022–23.
- Demonstrated a clear empirical mechanism for how external shocks propagate through economic systems — a skill transferable to supply-chain risk analysis and forecasting.