Rosa Stephens
Summary
Results-driven and detail-oriented professional with over eleven years of experience in loss prevention, financial crime prevention, risk management, and compliance monitoring. Demonstrated expertise in leading teams to detect, investigate, and escalate suspicious transactions in strict alignment with regulatory requirements. Recognized for exceptional analytical skills and critical thinking abilities, consistently driving operational efficiency while effectively mitigating fraud and financial crime risks. Committed to advancing organizational goals through a proactive approach to problem-solving and navigating challenges.
Overview
20
20
years of professional experience
Work History
Corporate AP Transaction Monitoring Supervisor
THE KROGER CO – GENERAL OFFICE
01.2022 - Current
- Experience processing and responding to subpoenas, legal holds, and other law enforcement or court-related requests.
- Acted as Custodian of Records
- Strong understanding of exception-based reporting systems and fraud detection tools.
- Ability to lead investigative efforts and document findings in a clear and concise manner.
- Knowledge of privacy laws, evidence handling protocols, and internal compliance procedures.
- Excellent written and verbal communication skills; capable of drafting investigative summaries and responding to legal inquiries.
- Skilled in Microsoft Office Suite (Excel, Outlook, Word), and case management or incident reporting software.
- High level of integrity, discretion, and ability to manage confidential information appropriately.
- Firsthand experience with the Appriss system
- Experience with payment systems and transaction platforms, including POS systems, internal financial platforms, and third-party processors.
- Utilized Kronos and Mytime systems to manage employee scheduling, timekeeping, and attendance records
- Strong understanding of transactional fraud patterns, refund abuse, chargebacks, and exception-based reporting.
- Prepared and delivered performance reviews for team members based on key performance indicators and individual contributions
Max Loss Prevention Analyst
THE KROGER CO – GENERAL OFFICE
01.2013 - 01.2022
- Responsible for analyzing point of sale data for multiple Kroger divisions identifying fraud, shrink and training opportunities
- Communicating with Division on a regular basis
- Analyzed patterns in customer behavior for potential signs of money laundering or fraud
- Investigated flagged transactions based on alerts generated by the exception based reporting system
- Knowledge of XBR, E-Sked, LHEM, CCTV, Payment Systems, CAO Plus, Managers Workbench, Business Objects, ThinkLP, Orchid Fusion, BOSCH, Appriss
- Responsible for weekly, period, quarterly and yearly LaneHawk reporting
- Trained new analysts in finding point of sale fraud
- Participated in Cultural Council for 2 years
Customer Service Manager
THE KROGER CO
01.2006 - 01.2013
- Customer Service Manager at highest volume store in zone from 2007-2012
- Assigned to open the first Marketplace store in the Cincinnati/Dayton KMA
- Assisted in interviewing, hiring and onboarding in multiple stores in the district
- Responsible for bookkeeping accounting functions Ace, E-Sked, Western Union, and Checkfree
- Responsible for training new associates and management trainees
- Responsible for front end associate reviews
- Responsible for coaching and maintaining percent effective goals for USCAN utilization, cashier scan percent, que vision, bag percent, mystery shops and cashier friendliness
- Responsible for writing weekly schedules within E-sked while working within given ELMS hours
- Cultural Council leader for 2 years
- Front End Safety Committee team leader
Education
High School Diploma -
Hamilton High School
Hamilton, Ohio05-1998
Skills
- Security systems management
- Video monitoring
- CCTV surveillance
- Internal audits
- Incident reporting
- Policy enforcement
- Investigation techniques
- POS systems
- Transaction monitoring and alert review
- Case Management Systems
- Team supervision and development
QUALIFICATIONS
- Experience as a Asset Protection Transaction Monitoring Supervisor
- Experience as a Asset Protection Transaction Monitoring Analyst supporting multiple Divisions
- Experience as a Customer Service Manager in a high-volume store
Timeline
Corporate AP Transaction Monitoring Supervisor
THE KROGER CO – GENERAL OFFICE
01.2022 - Current
Max Loss Prevention Analyst
THE KROGER CO – GENERAL OFFICE
01.2013 - 01.2022
Customer Service Manager
THE KROGER CO
01.2006 - 01.2013
High School Diploma -
Hamilton High School
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