Kristopher Gallow
San Antonio,TX
Summary
Highly analytical and strategic risk professional with 7+ years of experience in financial services, specializing in credit risk and fraud prevention. Expert in leveraging advanced SQL (Snowflake) and Python to analyze large-scale datasets, identify fraud patterns, and drive business strategy. A proven, empathetic leader who mentors teams and proactively builds automation tools using JavaScript and AI-assisted development, saving hundreds of operational hours. Successfully influenced the product roadmap by presenting data-driven recommendations to senior leadership, directly contributing to mitigating millions in potential losses.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Senior Capital Underwriter
Toast Inc
12.2021 - Current
- Collaborate cross-functionally with product, engineering, and operational teams to analyze and resolve complex system issues and customer concerns related to payments, fraud, and underwriting
- Drive proactive decision-making by authoring and optimizing SQL queries in Snowflake to monitor operational reports, analyze application data, and identify potential anomalies
- Process and analyze over 7,100 Toast Capital loan applications totaling more than $350M, employing rigorous risk assessment methodologies to identify and mitigate financial risks and fraud prevention
- Reduce credit risk exposure and mitigate fraud through comprehensive analysis to prevent defaults of Toast Capital loans
- Proactively identified operational inefficiencies by soliciting team feedback on bottlenecks, and created new tools utilizing queries and JavaScript, resulting in streamlined underwriting and daily funding processes, averaging $3M - $8M in distributions daily
- Developed and presented an Efficiency Document for the Underwriting process to senior leadership, incorporating a time study that demonstrated a 70% efficiency improvement through automation
Portfolio Management Advisor
Torres Financial Services, Inc
09.2019 - 12.2021
- Assessed data sets comprised of portfolio information to develop reports or dashboards that show KPIs to determine appropriate risk strategies for clients
- Guided the implementation of new solutions by presenting executives with strategic insights based on company data and industry benchmarks
- Streamlined and managed reporting updates through automation and live feed data for real-time analysis
- Conducted comparative analyses of historical and current earnings metrics to establish data-driven recommendations for risk mitigation
- Collaborated with compliance teams to ensure adherence to financial regulations and risk management protocols
Junior Analyst
Torres Financial Services, Inc
05.2017 - 09.2019
- Identified any irregularities within accounts or communications to prevent fraud from financial assets
- Streamlined client onboarding processes through data-driven optimizations and system integrations
- Collaborated directly with third-party Compliance and the Texas State Board of Securities regulators and auditors in providing firm documentation and requested client information
Education
Bachelor of Business Administration - Finance
The University of Texas at San Antonio
San Antonio, TXSkills
- Risk Management
- SQL
- Data Visualizations
- Financial Forecast Modeling
- Strategy & Process Improvement
- Python
- AI-Assisted Development
Certification
Google Data Analytics Certification
Timeline
Senior Capital Underwriter
Toast Inc
12.2021 - Current
Portfolio Management Advisor
Torres Financial Services, Inc
09.2019 - 12.2021
Junior Analyst
Torres Financial Services, Inc
05.2017 - 09.2019
Bachelor of Business Administration - Finance
The University of Texas at San Antonio