Juan Amezcua
Tempe,AZ
Summary
Accomplished fraud prevention and claims professional with extensive experience across financial institutions, specializing in credit card fraud, ACH fraud, check fraud, identity theft, chargebacks, and non-fraud disputes. Proven track record in investigating complex cases, validating fraud decisions, mitigating risk, protecting customers, and enhancing operational controls. Adept at collaborating with cross-functional teams, mentoring staff, and ensuring compliance with regulatory and internal policies.
Overview
10
10
years of professional experience
Work History
Fraud Prevention & Detection Specialist Senior
USAA
09.2024 - Current
- Analyze member transactions and behaviors for potential fraud, ensuring timely and accurate validation of fraud alerts and decisions.
- Lead investigations into complex check fraud cases, including counterfeit, altered, kited, and forged items.
- Investigate instances of potential member abuse of USAA policies, products, or services.
- Assist members who are victims of scams, phishing, social engineering, and identity theft.
- Work with internal teams to remediate compromised accounts and restore member trust.
Lead Fraud & Claims Representative
Wells Fargo
10.2023 - 09.2024
- Act as a senior escalation point for high-risk or high-dollar exceptions, providing expertise in fraud prevention and claims management.
- Lead the review, investigation, and resolution of complex fraud and claims cases, ensuring accuracy, compliance, and timeliness.
- Review exception items and ensure controls are applied effectively in alignment with regulatory requirements and Wells Fargo policies.
Lead Fraud & Claims Representative
Wells Fargo
10.2022 - 09.2023
- Lead the prevention, detection, and investigation of check fraud activities, including altered, counterfeit, kited, and forged items.
- Analyze exception items, suspicious transactions, and fraud alerts, ensuring timely action to minimize financial losses.
- Partner with business units, operations teams, and law enforcement agencies as needed for fraud investigations.
- Mentor and support junior representatives by sharing best practices, coaching, and training.
Senior Fraud & Claims Representative
Wells Fargo
11.2021 - 10.2022
- Lead investigations into ACH fraud cases, including unauthorized debits, credits, account takeovers, and fraudulent transfers.
- Ensure compliance with NACHA rules, Regulation E, and Wells Fargo operational standards.
- Investigate cases of suspected or confirmed identity theft, including fraudulent account openings, synthetic identities, and compromised accounts.
- Assist customers in restoring their accounts and financial security following an identity theft event.
Fraud & Claims Operations Representative
Wells Fargo
11.2019 - 10.2021
- Review, process, and resolve Visa chargeback cases submitted by customers.
- Ensure compliance with Visa Core Rules, Wells Fargo procedures, and applicable regulatory guidelines.
- Investigate non-fraud disputes such as merchandise/service issues, billing errors, duplicate charges, or canceled transactions.
- Communicate clearly with customers regarding the dispute process, timelines, and outcomes.
Financial Crimes Specialist II
Wells Fargo
04.2018 - 11.2019
- Analyze high-risk activity across multiple products and channels to prevent financial loss.
- Conduct in-depth investigations into financial crimes, including fraud, scams, account takeovers, and other suspicious activity.
- Assist customers impacted by fraudulent activity, scams, or identity theft.
Fraud Prevention Analyst
Macys Credit And Customer Service
09.2016 - 04.2018
- Monitor credit card accounts and transaction activity for signs of potential fraud.
- Investigate suspicious activity and validate customer transactions through outbound or inbound calls.
- Place fraud holds, update account status, and escalate cases when needed to protect customer accounts.
- Meet performance goals for accuracy, case resolution, and customer satisfaction.
Fraud Analyst II Intern
Bank of America
01.2016 - 07.2016
- Validate fraud alerts and suspicious transactions, taking action to secure accounts and minimize losses.
- Communicate with clients regarding suspected fraud, case status, and resolution outcomes in a professional and empathetic manner.
- Document case findings thoroughly and maintain audit-ready investigative records.
Education
Certificate Organizational Leadership
07-2016
Skills
- Expert problem solving
- Customer relations
- Analytical thinking
- Documentation management
- Coaching and mentoring
Languages
English
Full Professional
Spanish
Professional Working
Timeline
Fraud Prevention & Detection Specialist Senior - USAA
09.2024 - Current
Lead Fraud & Claims Representative - Wells Fargo
10.2023 - 09.2024
Lead Fraud & Claims Representative - Wells Fargo
10.2022 - 09.2023
Senior Fraud & Claims Representative - Wells Fargo
11.2021 - 10.2022
Fraud & Claims Operations Representative - Wells Fargo
11.2019 - 10.2021
Financial Crimes Specialist II - Wells Fargo
04.2018 - 11.2019
Fraud Prevention Analyst - Macys Credit And Customer Service
09.2016 - 04.2018
Fraud Analyst II Intern - Bank of America
01.2016 - 07.2016
Maricopa Community Colleges, Gateway Community College - , Certificate Organizational Leadership