Job Search Status
Open to workDesired start date: Immediately
Open To Work
Melanie McIntosh
West Valley City,UT
Work Preference
Summary
Seasoned Fraud Investigations and Disputes Analyst with a proven track record in the banking industry, demonstrating expertise in investigative techniques and cross-functional collaboration. Leverages analytical skills to enhance decision-making processes and optimize fraud prevention strategies, resulting in significant fund recovery and minimized losses for customers and the bank. Committed to achieving strategic company goals with integrity while fostering effective communication and conflict resolution across teams. Results-driven professional dedicated to maintaining high standards of excellence in all aspects of fraud management.
Overview
28
28
years of professional experience
Work History
Operations Analyst 2 - Disputes & Chargebacks
Varo Bank
Draper, UT
09.2020 - 12.2025
- Exercised sound judgment and leveraged available resources to determine case approval or denial.
- Demonstrated exceptional organizational skills and attention to detail while maintaining a strong work ethic.
- Directed simultaneous project management efforts to meet tight deadlines while upholding exceptional quality.
- Ensured high data accuracy to support informed decision-making through meticulous data management practices.
- Minimized risk exposure through comprehensive risk assessments and strategic development of mitigation plans for pre-arbitrations and negative balance transactions.
- Managed daily workflow of submitting 50+ pre-arbitration and negative balance funds recovery cases to ensure timely financial recoveries.
Fraud & Chargeback Analyst
StubHub
Draper, UT
05.2017 - 07.2020
- Executed comprehensive investigations into suspicious account activities and purchases, ensuring identification and mitigation of potential fraud.
- Communicated with customers regarding fraudulent activity to ensure prompt action and minimize risks.
- Reviewed and processed debit and credit card claims, ensuring accurate chargeback submissions for merchant customer satisfaction.
- Performed systematic evaluations of account transactions and patterns to improve identification of potential fraudulent activities.
- Conducted thorough analysis of all transactions, identifying suspicious account activities within one hour of receipt.
Financial Crimes Investigator 4
Wells Fargo Bank
Salt Lake City, UT
02.1998 - 10.2015
- Led investigations of high-value and escalated fraud claims by meticulously analyzing financial records and related documentation.
- Synthesized comprehensive findings and produced detailed reports on SAR elder exploitation referrals and account risk closure recommendations.
- Conducted thorough investigations into fraud cases, ensuring compliance with bank policies and regulations (BSA, regulations CC, E, & Z).
- Designed and implemented training materials for junior investigators to elevate team expertise in investigative techniques and procedures.
- Guided new investigators through mentorship and developed comprehensive training materials, including a help-set of fraud investigation procedures.
- Managed over 40 fraud claims simultaneously, ensuring resolution within a 10-day timeframe.
Education
High School Diploma -
Cottonwood High School
Murray, UTSkills
- Analytical investigation methods
- Data-driven decision making
- Informed decision making
- Effective conflict resolution
- Effective multitasking
- Flexibility in changing situations
- Risk evaluation
- Analytical report composition
Timeline
Operations Analyst 2 - Disputes & Chargebacks
Varo Bank
09.2020 - 12.2025
Fraud & Chargeback Analyst
StubHub
05.2017 - 07.2020
Financial Crimes Investigator 4
Wells Fargo Bank
02.1998 - 10.2015
High School Diploma -
Cottonwood High School