Lisa Browning
Gainesville,GA
Summary
Credit Risk and Underwriting Manager at eVance, Inc., skilled in risk assessment and policy development. Proven track record in training teams and implementing technology solutions, enhancing efficiency. Adept at compliance monitoring and effective communication, driving informed decision-making in complex underwriting scenarios.
Overview
28
28
years of professional experience
Work History
Credit Risk and Underwriting Manager
eVance, Inc.
08.2021 - Current
- Conducted detailed investigations into customers' backgrounds, including credit checks, MATCH, identity & business verification, TIN check, OFAC, site inspection, and more.
- Managed underwriting teams to assess risk and evaluate insurance applications.
- Developed underwriting guidelines to ensure compliance with industry standards.
- Reviewed complex cases to make informed decisions on merchant approvals.
- Trained and mentored junior underwriters on best practices and procedures.
- Implemented technology solutions to streamline the underwriting process efficiently.
- Ensured accurate documentation of policies and procedures for audit readiness.
- Maintained up-to-date knowledge of relevant laws, regulations, and industry best practices.
- Assisted in the development of training materials for new hire underwriters.
- Reviewed customer profiles, credit reports, and financial statements to assess risk factors.
Operations Supervisor
eVance, Inc.
03.2018 - 08.2021
- Maintain product inventory
- Interact with customers and auditors
- Ensure staff and clients adhere to card brand and association rules and regulations.
- Responsible for scheduling, training, assigning follow-ups, managing phone coverage and phone call times.
- Work alongside the Operations Manager to assist with daily operations, project management and overseeing underwriting and risk.
Operations Lead
eVance, Inc.
01.2017 - 03.2018
- Monitors daily activities of customer service in small sales office
- Implement customer care policies and procedures
- Analyze and improve organizations processes
- Provide support to customer service, sales, risk and underwriting
- Solve product and service complaints
- Assist in answering calls during high call volume to include processing orders, statement review, hardware trouble shooting and rate analysis
- Train staff in all areas of customer service and technical support
Quality Control Operator
Tsubaki Nakashima (formerly Hoover Precision Products)
08.2010 - 09.2016
- Set up and calibrate each machine to ensure machines work optimally during the production
- Perform safety checks on every machine and all equipment used in loading or unloading product
- Monitor machines during every procedure to ensure optimum running
- Troubleshoot problems during machine operation
- Perform maintenance and/or preventative maintenance to ensure that machines are producing quality product
- Maintain production and maintenance logs
- Inspect product after machine quality check
- Record findings in defective units and product
- Prepare tooling for changeovers and perform machine changeovers
- Provide support and training to operators within the department
- Interact with customers and auditors
Deployment Coordinator
Paragon Services Inc
03.2002 - 12.2009
- Provide support for technical, sales and field service representatives
- Research, diagnose and resolve complex system hardware, software, network, and operator issues
- Investigate, analyze information, and draw conclusions as well as make recommendations for possible process improvement
- Build program files for point-of-sale equipment and peripherals for merchant/ISO/Bank accounts
- Provide merchant training and re-programs as scheduled on credit card equipment
- Assist the Support Team by performing independent first and second level problem diagnostics of hardware and software
- Set up new encryption keys for debit processing
- Inject point of sale terminals and pin pads utilizing TDES encryption data keys
- Maintain encryption logs for auditing
- Perform backups and restores on encryption database(s)
- Maintain stock levels of hardware/supplies and issue purchase orders as needed
- Manage equipment shipped in/out for repair
Level II Operator
Chase Paymentech (formerly Paymentech Network Services)
02.1999 - 01.2002
- Operates and Monitors mainframe platforms, which include: Tandem, Stratus, Unix, and native web applications.
- Monitor telecommunication lines, frame, routers, IP, and TCP/IP connections
- Run production jobs from scheduled run-sheets in a timely fashion to meet windows
- Perform backups and restores on all platforms
- Operate and maintain tape drives, tape date base and library. Labels and distributes tapes to the appropriate area including on-site and off-site
- Escalates issues to proper personnel.
- Opening/Closing problems in a Trouble Ticket Database
- First level support for multiple internal departments and Paymentech partners
- Second level support for Merchants/Clients
- Data Entry/Filing and distributing reports
Help Desk Associate - Merchant Services
Chase Paymentech (formerly Paymentech Network Services)
03.1998 - 02.1999
- First level support for merchants, which include: assisting with ACH/POS transactions, settlements, account information and inquiries on a host & terminal based platform
- Trouble shooting debit/credit card terminals and applications, to include full and partial downloads for Hypercom, Verifone, LipNurit, Omni terminal
- Rebuilding applications for retail, restaurant, lodging and petroleum merchants on a host and terminal capture platform
- Order and/or replace equipment for merchants
Education
Vocational training -
AACP
Gainesville, GA01.2017
High School -
ICS Newport Pacific
Tampa, FL01.1998
Skills
- Risk assessment
- Underwriting guidelines
- Data collection
- Credit analysis
- Financial evaluation
- Compliance monitoring
- Documentation management
- Regulatory knowledge
- Data analysis
- Policy development
- Team leadership
- Effective communication
- Detail orientation
- Training and mentoring
- Decision making
- Risk mitigation
Timeline
Credit Risk and Underwriting Manager
eVance, Inc.
08.2021 - Current
Operations Supervisor
eVance, Inc.
03.2018 - 08.2021
Operations Lead
eVance, Inc.
01.2017 - 03.2018
Quality Control Operator
Tsubaki Nakashima (formerly Hoover Precision Products)
08.2010 - 09.2016
Deployment Coordinator
Paragon Services Inc
03.2002 - 12.2009
Level II Operator
Chase Paymentech (formerly Paymentech Network Services)
02.1999 - 01.2002
Help Desk Associate - Merchant Services
Chase Paymentech (formerly Paymentech Network Services)
03.1998 - 02.1999
Vocational training -
AACP
High School -
ICS Newport Pacific