Roxanne Garifo-Tell
Wilmington
Summary
Results-driven Senior Risk Investigator, specializing in ACH risk mitigation and data analysis. Successfully reduced fraud losses through strategic risk assessments and compliance initiatives, demonstrating a strong commitment to operational efficiency. Recognized for exceptional attention to detail and analytical problem-solving skills, contributing to enhanced client satisfaction in high-stakes environments.
Overview
15
15
years of professional experience
Work History
Senior Risk Investigator
Fortis
Plano
12.2022 - 01.2025
- Conducted daily risk assessments and investigations for credit card and ACH transactions, ensuring compliance with Card Network regulations, and identifying patterns to mitigate risk.
- Investigated risk incidents to identify underlying causes and recommend preventive measures.
- Analyzed data trends to assess potential risks and enhance operational strategies.
- Collaborated with cross-functional teams to develop risk management protocols.
- Reviewed compliance documentation to ensure adherence to regulatory standards.
- Conducted training sessions for staff on risk awareness and mitigation techniques.
- Conducted investigations into potential fraud, money laundering and cybercrime cases.
- Streamlined processing by managing suspense queues and holding transactions.
- Collaborated with Underwriting to identify high-risk merchants, implementing strategic holds and reserves to minimize chargeback disputes, and fraud losses.
- Resolved over-limit suspended cases with high accuracy.
- Reviewed and decided on credit limit increases, quarterly, biannual, and annual credit reviews.
- Prepared and reviewed financial statements, resolving discrepancies after careful analysis.
- Evaluated internal processes and procedures to ensure compliance with relevant laws and regulations.
Payments Risk Specialist
MVB Bank
Morgantown
03.2022 - 10.2022
- Guided Sales, Acquiring, Issuing, Client Services, and Risk Analysts on complex risk and compliance issues as Payments Risk Subject Matter Expert.
- Updated Payments Risk Playbook and Policy to reflect industry standards.
- Performed comprehensive research and updates on NACHA rules, Card Brand regulations, and state and federal laws.
- Streamlined procedures in Payments, Risk, Underwriting, and Client Onboarding to improve functionality.
Compliance Manager
Hypur
03.2021 - 01.2022
- Monitored and processed ACH returns, upholding established standards.
- Supervised ACH return handling, facilitating swift resolution of issues.
- Investigated NACHA rules and cannabis regulations to support adherence to updated compliance standards.
- Ensured smooth operational flow by providing audit support and serving as Underwriting backup.
- Monitored industry developments to stay updated on changing regulations and best practices.
- Reviewed internal processes to ensure adherence to legal and ethical guidelines.
Risk Specialist
Amazon
06.2020 - 03.2021
- Enhanced order integrity by mitigating counterfeit risks effectively.
- Monitored counterfeit complaints and implemented corrective actions to prevent recurrence, enhancing customer trust and satisfaction.
- Suggested specific actions to counteract and reduce fraudulent activities.
- Implemented updates and modifications to enhance operational efficiency.
- Designed programs and protocols to control company loss and minimize adverse financial impact.
- Implemented corrective action plans where necessary to address identified risks or issues in a timely manner.
Senior PCI Compliance Analyst
North American Bancard
06.2019 - 05.2020
- Created and updated detailed documentation for integrating PCI standards into business policies.
- Supported PCI compliance efforts through evidence collection and questionnaire completion.
- Suggested solutions to overcome PCI compliance challenges.
- Generated PCI Audit Reports for Visa, MasterCard, Discover, and American Express.
- Prepared reports detailing compliance findings for management review.
Compliance Consultant
BillingTree
07.2017 - 01.2019
- Facilitated collaboration with Legal Department and compliance teams to maintain adherence to federal, state, NACHA, PCI-DSS, FinCEN, and OFAC standards.
- Facilitated implementation of API updates, SAQ compliance, and Card Brand technical releases.
- Led special projects involving policy and procedure updates, data migrations, and new reporting tool development.
- Served as backup underwriter to maintain seamless operations.
- Assisted with preparing reports for internal and external auditing requirements.
- Reviewed and analyzed company policies and procedures to ensure compliance with applicable laws and regulations.
Business Operations Analyst/Risk Analyst II
Chase Paymentech
05.2010 - 06.2017
- Coached and developed Risk Senior Specialists, authored SOPs and training materials, and approved high-value monetary releases exceeding Risk Specialist limits.
- Utilized expertise in LOB processes to address complex client issues effectively.
- Monitored merchant credit card transactions to identify and mitigate fraud risks.
- Implemented reserve strategies to decrease potential fraud losses.
- Initiated SARs to maintain adherence to AML regulations.
- Produced detailed guides to streamline the training of new employees in business operations.
- Facilitated training sessions for staff on new system implementations and operational procedures.
- Investigated customer complaints to determine root cause of issues.
Relationship Manager
Chase Paymentech
05.2010 - 06.2017
- Ensured positive merchant interactions by managing end-to-end processing support.
- Fostered merchant activation and retention through efficient issue resolution.
- Minimized follow-ups by efficiently addressing merchant concerns.
- Enhanced customer loyalty and satisfaction by managing relationships between merchants and client services.
- Maintained accurate records of client interactions and feedback for reporting purposes.
- Served as primary point of contact for key accounts, addressing concerns promptly.
- Developed and maintained strong relationships with clients to ensure satisfaction and loyalty.
Risk Analyst I
Chase Paymentech
05.2010 - 06.2017
- Conducted transaction analysis to detect potential fraud and suspicious activities.
- Addressed merchant account issues with a focus on fraud mitigation and regulatory adherence.
- Executed SARs and AML filings with precision, maintaining timely records of potential financial crimes.
- Established fraud reserves to mitigate financial risks.
- Reported outcomes to merchants, decreasing fraud loss.
- Conducted investigations and took appropriate actions to resolve concerns.
Merchant Services Analyst II
Chase Paymentech
05.2010 - 06.2017
- Provided customized assistance to merchants on various payment processing issues.
- Facilitated account setup for clients across multiple front-end and back-end systems.
- Provided internal assistance to resolve complex merchant issues efficiently.
- Oversaw daily case pipeline, handling merchant requests and escalated issues from phone queue calls.
Merchant Services Analyst I
Chase Paymentech
05.2010 - 06.2017
- Facilitated telephone support for Chase Paymentech merchants, achieving timely and accurate inquiry resolutions in a call center context.
- Applied critical thinking to identify and resolve merchant issues.
- Resolved merchant inquiries concerning credit card interchange and transaction rates.
- Supported merchants with monthly statements and billing reconciliations.
- Assisted clients with troubleshooting payment processing issues and inquiries.
Education
High School Diploma -
Auburn High School
Auburn06.1979
Skills
- Effective ACH risk mitigation
- Data analysis
- Critical analysis
- AML regulatory compliance
- Strong attention to detail
- Clear verbal communication
- Clear written communication
- Analytical problem-solving
- Client satisfaction management
- Skilled in data interpretation
- Fraud prevention strategies
- KYC regulatory compliance
- Loss Prevention
- Risk assessment and documentation
- Root Cause Analysis
- Transaction Monitoring Systems
References
References available upon request.
Timeline
Senior Risk Investigator
Fortis
12.2022 - 01.2025
Payments Risk Specialist
MVB Bank
03.2022 - 10.2022
Compliance Manager
Hypur
03.2021 - 01.2022
Risk Specialist
Amazon
06.2020 - 03.2021
Senior PCI Compliance Analyst
North American Bancard
06.2019 - 05.2020
Compliance Consultant
BillingTree
07.2017 - 01.2019
Business Operations Analyst/Risk Analyst II
Chase Paymentech
05.2010 - 06.2017
Relationship Manager
Chase Paymentech
05.2010 - 06.2017
Risk Analyst I
Chase Paymentech
05.2010 - 06.2017
Merchant Services Analyst II
Chase Paymentech
05.2010 - 06.2017
Merchant Services Analyst I
Chase Paymentech
05.2010 - 06.2017
High School Diploma -
Auburn High School
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