Summary
Overview
Work History
Education
Skills
Timeline
Generic

MICHELLE L WHITE

Phoenix

Summary

Created The Special Investigation Risk Unit from the ground up, helping to save the company millions of dollars in fraud savings. Analyze High risk claims and transactions to identify fraudulent behavior. Maintained files of any fraudulent activity which included any interviews completed and documents to be escalated to compliance and or the state department. Identified process improvement opportunities to enhance operational effectiveness and improve system functionality. Spearheaded new initiatives to be able to develop a metric for year-end goals.

Experienced with data analysis, statistical modeling, and business intelligence tools. Utilizes analytical skills to identify trends and provide actionable insights that support business decisions. Knowledge of data visualization techniques and effective communication ensures clear presentation of complex information to stakeholders.

Overview

25
25
years of professional experience

Work History

Fraud Investigation Analyst Upgrade

11.2024 - Current
  • Analyze cases for possible Identity Theft
  • Help Create process improvements
  • Help monitor and create reporting to find any type of risk involving credit card accounts.
  • Coordinated with other departments to help prevent monetary loss to the company.
  • Supervised and oversaw training of new hires.

SR. Special Investigation Risk Analyst Lead

AMEX Assurance
03.2010 - 10.2024
  • Generated multiple systems to help catch claims with red flags. This helped the company save three million in the first year.
  • Manage a team that handled the Special Investigation Unit from the ground up, including creating systems, and policies and procedures. Won Tribute award for helping create the Special Investigation Unit and helping save the company millions of dollars and obtaining thousands in restitution.
  • Identified process improvement opportunities to enhance operational effectiveness and improve team productivity.
  • Build, manage, and develop the Special Investigation Unit team comprised of five personnel, provide coaching and mentorship, conduct performance evaluations, and establish inclusive work cultures Identified process improvement opportunities to enhance operational effectiveness and improve team productivity.
  • Coordinate with cross-functional teams to identify process gaps and develop solutions, resulting in the arrest or multiple individuals and the identification of a multimillion-dollar fraud ring. Communicate with diverse [teams/clients], build rapport and long-term relationships with internal teams such as our Global Security, multiple fraud teams, and external investigators.

SR Credit Bust out Analyst

American Express
02.2006 - 03.2010
  • Manage a large load of cases. Monitor accounts for suspicious activities including money laundering and high-risk behaviors.
  • Manage and help new hires into the department. Communicate with diverse team members and outside sources including Law Enforcement and internal Global Security.

SR Merchant Risk Analyst

American Express
07.2000 - 02.2006
  • Developed the Exposure team that handled any high-risk transactions over $50k.
  • Delivered reporting on the savings of the new team. I analyzed trends to help guide the team.
  • Held weekly meetings to go over metrics and concerns.

Education

BA - Fraud investigations and Cyber Security

Utica University
07.2025

Certificate - Claims Fraud Law Specialist

American Educational Institute

Skills

  • Fraud Investigations
  • Special Investigation Unit
  • Risk Analysis
  • Meticulous
  • Analytical
  • Communication Process Improvements
  • Lexis Nexis, TLO, Spur
  • Microsoft office
  • Analytical thinking
  • MS Excel
  • Time management
  • Team collaboration and leadership
  • Attention to detail

Timeline

Fraud Investigation Analyst Upgrade

11.2024 - Current

SR. Special Investigation Risk Analyst Lead

AMEX Assurance
03.2010 - 10.2024

SR Credit Bust out Analyst

American Express
02.2006 - 03.2010

SR Merchant Risk Analyst

American Express
07.2000 - 02.2006

Certificate - Claims Fraud Law Specialist

American Educational Institute

BA - Fraud investigations and Cyber Security

Utica University