Alvin Adams
Atlanta,GA
Summary
I am so excited to share the interest in the Payments Credit Risk Analyst role. My past professional development has allowed growth and the ability to stimulate my analytical, investigative, and critical thinking, well as education in ways that would be an asset to the company. I am valued with over 10 years of experience in risk operations, specializing in analysing high-risk transactions and mitigating fraud across diverse portfolios. I have a strong background in identifying fraud trends, conducting risk assessments, and ensuring compliance with regulatory standards.
Overview
11
11
years of professional experience
Work History
Risk Analyst I
Intuit
10.2024 - Current
- Experience in managing payroll functions, ensuring accuracy in transactions and account balances.
- Applying knowledge of accounting principles to maintain financial integrity and support payroll operations efficiently.
- Excels in fraud analysis, specializing in detecting and preventing various fraud types such as money laundering, identity theft, and synthetic fraud.
- Execute proven ability to analyse and monitor high-risk transactions, review KYC reports, and collaborate with law enforcement to address fraud cases.
- Ability to assess merchant credit risk, financial statements, risk indicators, and cash flows
- Knowledge in chargeback processes, payout thresholds and reserves
- Meet standards for ongoing audits, reporting and policy reviews
Risk Analyst/Fraud Analyst
GreenSky Trade Credit
Atlanta, GA
02.2018 - 08.2024
- Working in real time queues according to priority levels, (containing a variety of merchants and customers accounts), relative to business need to prevent and assess fraud concerns and clear risk indicators
- Monitoring and reviewing customer and merchant accounts for fraud and risk concerns, high risk transaction activity, account balances, reviewing KYC’s.
- Utilizing general and managerial as well as intermediate accounting principles to ensure accuracy of accounts, transactions, and balances
- Receive and initiate multiple inbound and outbound calls to merchants, customers, and potential victims.
- Manually create and send fraud affidavits and dispute forms to victims via email, fax, and mail.
- Recognize system improvements to improve our daily tasks, provide solutions, and promote efficiencies in the line of business.
- Provide resolution to management and analyst that aid with or provide a “work around” for issues not explicitly stated departmental policies, procedures, and guidelines.
- Verify accounts with customers through accurate use of Retail ID and Idology systems.
- Respond to escalations to assist customers with unresolved issues, declined transactions
- Resolve issues with test accounts and submit corrections to mcc code errors on merchant accounts.
- Skilled in finding fraud trends and fraud types, (money laundering, bust out fraud, synthetic fraud, account take over, identity theft, cross channel fraud, family fraud, elder abuse…etc
- Identifying fraud trends, analyzing and organizing data, for a diversified portfolio of merchant and consumer accounts and work/review reports to mitigate reoccurrence
- Communicating effectively, and accurately documenting communications with state/local law enforcement due to occurrence of fraud in reports and processes within GreenSky’s Investigations Team
- Maintaining a high level of professionalism, and workplace standards.
- Self-initiate required task and workloads without supervision
- Ensure accuracy and productivity to maintain and excel at departmental goal levels.
Credit Risk Analyst
Fiserv
Marietta, GA
11.2020 - 11.2021
- Analyze and review risk associated with sales, refunds, and batches on hold based on risk or financial supportiveness.
- Identifying high risk or fraud merchants concerning activity to protect company from potential losses, lawsuits
- Following company processes to prevent compliance/regulatory violations
- Review and monitor merchants, processing activity and previous financial statements to identify high risk activity and trends relative to money laundering, bust out fraud, synthetic fraud, identity theft.
- Make outbound and take inbound calls to relay positive and adverse actions with merchants
- Accurately create and complete (SAR’s) suspicions activity reports to document and report fraudulent activity.
- Write up review findings scenarios to paint a transparent picture to convey what occurred during account reviews.
- Organize spreadsheets and present reviews to management in a clear, organized manner.
- Participate in daily meetings and presentations to discuss my accounts, trends, progress and goals.
- Calculate gross risk, net risk, reserves, and merchant financial supportiveness.
- Monitoring chargebacks to assess ability to recover funds, or mitigate potential loss and risk
- Display exceptional analytical, problem solving, and organizational skills.
- Participate in daily meetings and presentations to discuss my accounts, trends, progress and goals.
Financial Crimes Specialist II
Wells Fargo Bank N.A.
05.2015 - 12.2018
- Review accounts and determined fraudulent activity based on previous account history to identify possible trends.
- Submitting Chargebacks effectively, and meeting/exceeding chargeback presentment goals
- Documenting and researching all required information to assist the customer in resolving their fraud or merchant disputes.
- Thoroughly investigate fraud-related claims on high, medium, and lower risk transactions
- Perform complex account handling functions such as close account determination, holds, restraints, reissuing of card, accounts, and card code statuses.
- Knowledge of regulatory requirements and bank policies i.e, (Regulation CC, Regulation Z, Regulation E) and other government banking regulations categories including
- Communication skills, listening skills, problem resolution and politeness.
- Reviews, verifies and/or identifies customer transactions to detect/prevent financial crimes activities.
- Completed and participated in Special Projects to with team members and build engagement.
Education
Bachelor's Degree - Accounting
University of North Carolina at Charlotte
Charlotte, NC08.2015
Bachelor's Degree - Political Science, Business Administration
North Carolina Central University
Durham, NC12.2011
Skills
- Microsoft Word
- Microsoft Excel
- Microsoft PowerPoint
- Accounting Principles
- Financial and Banking knowledge
- Fraud Investigative Research and AML
- Risk Analysis
Timeline
Risk Analyst I
Intuit
10.2024 - Current
Credit Risk Analyst
Fiserv
11.2020 - 11.2021
Risk Analyst/Fraud Analyst
GreenSky Trade Credit
02.2018 - 08.2024
Financial Crimes Specialist II
Wells Fargo Bank N.A.
05.2015 - 12.2018
Bachelor's Degree - Accounting
University of North Carolina at Charlotte
Bachelor's Degree - Political Science, Business Administration
North Carolina Central University