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Rebecca Purtee
Columbus,OH
Work Preference
Summary
Risk and compliance professional with extensive experience in financial services, specializing in NACHA, Card Network and BSA/AML regulations. Demonstrated effectiveness in cultivating sponsor bank partnerships and translating complex regulations into actionable policies that enhance operational integrity and mitigate risk.
Overview
18
18
years of professional experience
Work History
Risk and Compliance Manager
Payliance
Columbus, Ohio
06.2023 - Current
- Operated as compliance and underwriting subject matter specialist for NACHA Visa/Mastercard standards and UDAAP regulations in ACH card, RCC, and RTP payments.
- Managed risk mitigation and compliance monitoring for Payliance merchant portfolio to quickly uncover compliance infractions.
- Led rollout of policy and process reforms for regulatory updates to secure compliance and improve operational efficiency.
- Coordinated with cross-functional teams to analyze and minimize risks associated with new products and services.
- Coordinated with risk management teams and merchants to manage legal issues securing conformity with relevant regulations.
- Fostered partnerships with sponsor banks to align organizational goals with compliance standards, strengthening operational integrity.
- Created organized methodologies for assessing fraud accounts to optimize prevention strategies through data analysis.
- Facilitated root cause analysis to alleviate financial exposure due to fraudulent activities.
- Carried out risk assessments to uncover potential compliance issues.
- Guided staff in understanding compliance procedures and optimal practices.
- Tracked industry regulations to assure ongoing adherence to compliance standards.
- Engaged with internal teams to resolve compliance-related inquiries.
- Implemented corrective actions for identified compliance deficiencies.
- Prepared reports on compliance status for senior management review.
- Developed and implemented policies and procedures to ensure compliance with applicable laws, regulations, standards, and best practices.
Senior Underwriter
Payliance
Columbus, Ohio
02.2021 - Current
- Scrutinized new merchant applications by rigorously reviewing risk aspects, financial integrity, and compliance standards resulting in detailed documentation for decisions to approve, conditionally approve, or deny.
- Facilitated follow-up underwriting reviews to determine current risk and transforming conditions of merchant accounts, instituting timely actions to rectify compliance discrepancies.
- Formulated and enhanced underwriting policies and procedures in collaboration with stakeholders to align with regulatory changes and internal risk management standards.
- Supported and educated team members, advancing professional skills through interactive training and exchange of best practices for underwriting and compliance.
- Reviewed, created, and modified company policies in accordance with industry guidelines, securing compliance with federal and state mandates.
Risk and Compliance - Zelle Network
Fiserv Financial Services
Dublin, Ohio
11.2018 - 05.2020
- Facilitated in-depth evaluations of financial and legal records associated with BSA/AML/OFAC programs, confirming that all financial institutions maintained compliance with government banking regulations.
- Facilitated collaboration with Zelle Network Product Operations Manager to track and ensure compliance in client onboarding across various third-party partners and internal teams
- Optimized process improvements in partner onboarding support workflows and vendor reporting, boosting operational effectiveness
- Oversaw product development processes through building strong partnerships with business executives and key stakeholders at financial institutions, enhancing customer experience from initial vetting to implementation.
- Formulated comprehensive procedural guidelines for Zelle-related processes optimizing workflows and maintaining operational consistency.
- Produced comprehensive monthly news statistical reports utilizing Microsoft Power BI, SQL, and Excel, delivering actionable insights for compliance tracking to over 300 financial institutions.
Agency Relationship Liaison- Executive Office
JPMorgan Chase
Columbus, OH
01.2014 - 12.2018
- Discovered potential fair lending and UDAAP violations through detailed analysis and reporting, lowering legal and reputational risks.
- Composed articulate briefs and efficient resolution letters for state attorney general, senate, and congressional offices summarizing research results and implemented corrective actions.
- Coordinated high-level conference calls with legal and compliance teams and principal entities to review loan servicing errors and apply corrective solutions.
- Handled intricate situations involving government agencies, regulators, and investors, delivering effective and timely responses to complaints and inquiries.
Litigation Senior Underwriter
JPMorgan Chase
Columbus, OH
01.2009 - 12.2013
- Operated as subject matter expert (SME) on government-sponsored enterprises (FHA, VA, USDA) and private/asset banking portfolios, overseeing underwriting activities and safeguarding regulatory compliance.
- Partnered with counsel to address customer complaints and disputes, reducing potential litigation risks
- Facilitated expert consultation and assistance for executive office and cross-functional teams in resolving intricate customer challenges and reducing legal risks.
- Executed detailed evaluation of customer accounts through financial analysis verifying eligibility for loan modification programs maintaining compliance with investor guidelines and industry standards.
- Executed thorough client investigations utilizing diverse data sources, including credit reporting, PACER, and government records, to enhance resolution strategies.
Education
Bachelor of Science - Risk Management
Ashford University
San Diego, CA01-2028
Skills
- Regulatory compliance
- Risk assessment
- Policy writing
- Fraud analysis
- Data analysis
- Compliance monitoring
Volunteer Opportunities
- Advocate for Kids, 01/01/07, 12/31/10
- Ride for Autism, 01/01/10, 12/31/19
Timeline
Risk and Compliance Manager
Payliance
06.2023 - Current
Senior Underwriter
Payliance
02.2021 - Current
Risk and Compliance - Zelle Network
Fiserv Financial Services
11.2018 - 05.2020
Agency Relationship Liaison- Executive Office
JPMorgan Chase
01.2014 - 12.2018
Litigation Senior Underwriter
JPMorgan Chase
01.2009 - 12.2013
Bachelor of Science - Risk Management
Ashford University