Nichole Barbieri
Santa Rosa,CA
Summary
Detail-oriented and innovative Quality Control and credit professional with 10+ years of experience in quality control, fraud analysis, consumer credit evaluation, and regulatory compliance. Strong working knowledge of SoFi products, credit policies, underwriting requirements, and Standard Operating Procedures. Experienced in conducting thorough fraud investigations, verifying income and identity documentation, and ensuring strict compliance with federal regulations. Recognized for exceptional accuracy, critical thinking, and the ability to handle high-volume workflows in a fast-paced, highly regulated environment. Adept at independent decision-making, cross-functional collaboration, and supporting fraud prevention and detection teams.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Senior Quality Control Analyst
Social Finance (SoFi)
Remote, CA
01.2020 - Current
- Perform detailed quality control reviews ensuring compliance with investor, regulatory, and internal standards.
- Review identity, income, tax documents to verify authenticity and detect inconsistencies.
- Calculate income across varied income types and sources.
- Ensure consistent application of Risk and Credit Review policies and SOPs.
- Identify discrepancies and potential fraud indicators and escalate when appropriate.
- Maintain auditnready documentation with strong attention to detail.
Quality Control & Fraud Analyst
Social Finance (SoFi)
Healdsburg, CA
08.2016 - 12.2019
- Conducted fraud investigations across multiple SoFi products ensuring compliance requirements.
- Investigated suspected fraud (1st, 3rd party, synthetic) and prevented losses.
- Enforced BSA/AML, OFAC, Patriot Act, and Privacy Act regulations.
- Analyzed financial and credit data for fraud and eligibility indicators.
- Supported moneynmovement fraud reviews.
- Ensured highnquality documentation and workflow consistency.
Loan Reviewer
Social Finance (SoFi)
Healdsburg, CA
07.2015 - 08.2016
- Reviewed applications for accuracy, completeness, and regulatory compliance.
- Evaluated credit reports, financial documents, and borrower profiles.
- Communicated with members to clarify discrepancies.
- Documented decisions accurately for audits and further review.
- Built rapport with borrowers to enhance customer experience.
- Used automated workflow systems to meet strict timelines.
Education
General Education -
Santa Rosa Junior College
Santa Rosa, CA01.2021
Undergraduate Coursework -
Butte College
Oroville, CA08-2007
High School Diploma -
Piner High School
Santa Rosa, CA06-2007
Skills
- Fraud Investigations
- Quality Control Reviews
- Regulatory Compliance
- SOP Adherence
- Process-Oriented Decision Making
- Identity & Income Verification
- Underwriting Policy
- Credit Risk Assessment
- Google & Microsoft Workspace
- LexisNexis
- Tableau
- Workflow Management Systems
- Documentation Accuracy
- Reporting Accuracy
- Customer & Member Communication
- Time Management
- Prioritization
- Problem solving
- Critical thinking
- Attention to detail
- Team collaboration
Certification
• Situational Leadership, Ken Blanchard, 2015
• Social Media & Marketing, National Seminars Group, 2014
• Social Media & Marketing, National Seminars Group, 2014
Accomplishments
• Maintained one of the highest QC audit accuracy rates (2018-Present).
• Exceeded fraud review quality metrics and production goals.
• Reduced documentation errors and improved SOP alignment.
• Supported cross-functional success within Risk, QC, and Fraud teams.
• Exceeded fraud review quality metrics and production goals.
• Reduced documentation errors and improved SOP alignment.
• Supported cross-functional success within Risk, QC, and Fraud teams.
Timeline
Senior Quality Control Analyst
Social Finance (SoFi)
01.2020 - Current
Quality Control & Fraud Analyst
Social Finance (SoFi)
08.2016 - 12.2019
Loan Reviewer
Social Finance (SoFi)
07.2015 - 08.2016
General Education -
Santa Rosa Junior College
Undergraduate Coursework -
Butte College
High School Diploma -
Piner High School