Kathryn Melcarski

While still performing in the role as Fraud Investigations Supervisor, I stepped into this role which was vacant unexpectedly.

• Accomplished multiple tasks within established timeframes.
• Maximized performance by monitoring daily activities and mentoring team members.
• Cross-trained existing employees to maximize team agility and performance.
• Managed and motivated employees to be productive and engaged in work.
• Defined clear targets and objectives and communicated to other team members.
• Established team priorities, maintained schedules and monitored performance.
• Assist in the update and maintenance of procedures and process with Governance.

• Evaluated staff performance and provided coaching to address inefficiencies.
• Developed effective improvement plans in alignment with goals and specifications.
• Educated staff on organizational mission and goals to help employees achieve success.
• Conducted regular reviews of operations and identified areas for improvement.
• Conduct QA/QC reviews on investigative cases

• Investigation of fraud events to include: Deposit & Check, Wire, ACH, Imposter, Account takeover, WOE, Loan, Internals, Electronic, debit card, ID Theft.
• Assigned high-profile, high-dollar, and high-risk complicated cases.
• Mentor, educate, and consult with less experienced investigators.
• Liaison with internal lines of business and external partners such as law enforcement agencies, government entities, legal partners, and more.
• Draft procedures and processes to streamline daily workflow.
• Collaborated with analytics and detection teams.
• Draft summaries on cases for SAR referrals to BSA/AML
• Versed in numerous different bank systems used industry-wide to include FIS products (IBS, Prime, Image Center), Verafin, Microsoft Office products, Salesforce, Service Now
• Developed a deep understanding of anti-money laundering (AML) regulations, Bank Secrecy Act (BSA) issues, and other related areas
• Conducted complex investigations into suspicious financial activity, including customer transactions, wire transfers, and other financial crimes
• Drafted reports of investigations, findings, and conclusions for senior management
• Maintained relevent knowledge of financial regulation changes, trends, and best practices
• Collaborated with other departments to ensure compliance with regulatory requirements
• Effectively managed multiple projects and assignments simultaneously in a fast-paced environment

eInvestigation of fraud events to include: Deposit & Check, Wire, ACH, Imposter, Account takeover, WOE, Loan, Internals, Electronic, debit card, ID Theft. Assigned high-profile, high-dollar, and high-risk complicated cases.

• Mentor, educate, and consult with less experienced investigators.
• Liason with other business lines internally and external partners including law enforcement, legal, vendors, BSA/AML.
• Presented large dollar losses and serious events to Senior Executives and the Board when needed.
• Authored, filed, and reviewed Jr. investigator SARS. Well-versed in FinCen directions and regulations. Drafted procedures and processes to streamline daily work-flow. Performed fraud detection and mitigation.
• Maintained security and surveillance systems, building access. Suggested security upgrades and solutions.
• Worked with a team to build an effective and sustainable detections, investigations and physical security department from the ground up.
• Oversaw the implementation of security systems within newly merged financial institutions.
• Managed Vendors and spending related to physical security.

• Managed a team of 10 handling all forms of bank fraud. Set goals for team inline with the bank goals and values. 
• Advised senior and executive management on emerging fraud trends and worked toward mitigation and resolution.
•  Assigned as the  robbery coordinator and prevention specialist.
• Handled a case load of high profile, high risk and dollar cases. 
• Liaison with internal and external partners and stake holders. 
• Authored and filed SARS as well as reviewed approved and filed the team SARS.
• People manager to assigned team members providing leadership and direction for growth opportunities.
• Expertise in planning, coordinating and supervising investigations for legal, civil and criminal matters
• Proven success in developing and implementing investigative protocols and procedures
• Highly knowledgeable in relevant laws, regulations and procedures governing investigations
• Skilled in developing and maintaining relationships with federal, state and local law enforcement agencies
• Experienced in conducting detailed investigations, collecting evidence and interviewing witnesses
• Ability to evaluate and analyze information and formulate effective conclusions
• Proficient in preparing investigative reports and presenting findings in court proceedings
• Adept in utilizing analytical, problemsolving and decisionmaking skills to resolve complex cases
• Excellent communication and interpersonal skills for communicating with diverse individuals

• Managed and coordinated service operations at a busy retail bank branch location
• Scheduled all branch personel, ordered and shipped cash
• Investigated differences 
• Monitored staff sales goals

• Investigated financial institution fraud cases, including check fraud, identity theft, and bank fraud

• Assigned various duties to include Road patrol, Investigations, School Resource office, community policing.
• Acheived various destignations i.e. Hostage negociator, interview and interrigations, specialist, death investigations, Traffic Homicide, Field Training Officer,