Shaheryar Aziz
Bayonne
Summary
Dynamic Fraud and Risk Analyst with over 11 years of experience in the financial services sector, specializing in credit risk assessment and fraud prevention. Proven ability to leverage data-driven analyses and foster cross-functional collaboration to enhance compliance and security measures. Highly skilled in utilizing advanced analytical tools, dedicated to strengthening organizational risk management strategies and driving impactful results. Committed to staying ahead of industry trends to effectively mitigate risks and safeguard assets.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Credit Risk Analyst
Fiserv
09.2024 - Current
- Analyzed payment data to assess credit risk on portfolios ranging from $3M to $10M and prevent fraud.
- Enhanced fraud detection processes for compliance and introduced considerations of counterparty risk in assessments.
- Implemented risk strategies, improving security across financial transactions.
- Collaborated with teams for effective risk management and integration of portfolio-level credit exposure.
- Reviewed high-risk transactions and trends, ensuring regulatory compliance while safeguarding company assets.
- Demonstrated strong analytical skills and attention to detail, leveraging SQL for portfolio and counterparty risk analysis, contributing to team success and enhancing overall risk management efforts.
- Conducted in-depth analysis of payment data to identify credit risks, leading to enhanced fraud prevention measures and safeguarding company assets.
- Implemented advanced risk strategies that significantly improved security protocols, resulting in measurable reductions in fraudulent activities.
- Partnered with cross-functional teams to optimize fraud assessment processes, fostering a culture of compliance and enhancing overall team effectiveness.
- Analyzed credit risk data to assess client portfolios and identify potential financial exposure.
Junior Underwriter
Total Merchant Resources
07.2023 - 09.2024
- Guided decision-making, improving underwriter outcomes.
- Fostered communication between underwriters and senior management, ensuring alignment on underwriting strategies and risk mitigation.
- Maintained meticulous records of application data, supporting data integrity and enhancing the overall underwriting process.
- Provided analytical guidance to underwriters, promoting skill development and fostering a collaborative, knowledge-sharing environment.
- Executed comprehensive financial analyses, resulting in improved risk assessment accuracy and informed decision-making for underwriting strategies.
- Partnered with management to enhance underwriting processes, achieving measurable improvements in efficiency and team alignment on risk strategies.
- Upheld precise documentation of application data, reinforcing data integrity and streamlining the overall underwriting workflow.
- Evaluated loan applications for creditworthiness and risk assessment
- Collaborated with sales teams to streamline underwriting processes
Consumer Risk Analyst
Vroom
05.2021 - 06.2022
- Implemented inventory strategies to streamline transaction flow.
- Negotiated loan terms to minimize cancellation fees.
- Educated customers on financial products, fostering informed decisions and building trust through exceptional service and effective communication.
- Negotiated with banks for optimal loan terms, streamlining processes and achieving noticeable results in loan cancellation fee reductions.
- Analyzed customer credit data within $500K–$3M portfolios to mitigate fraud risks, ensuring accurate loan processing and enhancing overall operational integrity.
- Monitored aging vehicle inventory and implemented triage strategies, achieving substantial improvements in transaction flow and efficiency.
- Partnered with legal teams to resolve loan discrepancies, streamlining processes and fostering a more efficient operational environment.
Business Operations Analyst
Beyond Finance
12.2019 - 04.2021
- Improved exception management accuracy, leading to measurable operational efficiency gains.
- Executed meticulous accuracy checks on business processes, leading to substantial improvements in operational reliability and customer satisfaction.
- Fostered cross-departmental collaboration to optimize customer account updates within the CRM system, enhancing overall data integrity.
- Demonstrated strong problem-solving skills to manage customer inquiries, creating a supportive environment that improved client trust and retention.
- Streamlined data reporting processes to enhance accuracy, leading to improved decision-making and operational efficiency across departments.
- Developed a dynamic dashboard for tracking operational metrics, enabling real-time insights that drove strategic adjustments and performance improvements.
- Analyzed operational workflows to identify inefficiencies and propose actionable improvement strategies.
- Collaborated with cross-functional teams to streamline process documentation and ensure adherence to best practices.
Risk Operational Analyst
Paysafe Group
11.2018 - 11.2019
- Investigated transactions, collaborating with banks to address fraud.
- Led system improvements, boosting process efficiency.
- Conducted trend analysis, enhancing fraud detection.
- Streamlined processes, cutting operational risks.
- Orchestrated transaction monitoring enhancements, resulting in substantial improvements in fraud detection and compliance adherence.
- Conducted in-depth risk assessments, identifying vulnerabilities and implementing strategies that significantly minimized operational risks.
- Implemented cutting-edge analytical tools for settlement analysis, driving measurable improvements in compliance and operational efficiency.
- Mentored junior analysts, promoting a culture of continuous learning and collaboration, which enhanced overall team performance.
- Analyzed settlement processes to ensure compliance, leading to reduced risk exposure and enhanced operational integrity.
Relationship Manager
Bank of America
11.2015 - 10.2018
- Managed accounts, increasing client retention by 30% and fostering long-term loyalty.
- Monitored accounts for fraud, ensuring compliance and enhancing trust.
- Optimized service processes, boosting client confidence and relationship quality.
- Coordinated with cross-functional teams to design tailored financial solutions, fostering strong client relationships and driving client loyalty.
- Executed thorough documentation verification, significantly improving operational accuracy and contributing to a seamless onboarding experience.
- Developed new strategies for electronic payments, enhancing transaction efficiency and security while streamlining client interactions.
- Enhanced account management strategies, leading to notable client retention improvements and strengthened loyalty.
- Analyzed client feedback to refine service offerings, resulting in improved satisfaction and substantial growth in referrals.
- Partnered with internal teams to create customized financial solutions, fostering client loyalty and driving measurable results.
Fraud Specialist
JPMorgan Chase
06.2014 - 11.2015
- Identified and addressed customer needs, boosting satisfaction and loyalty.
- Resolved conflicts and managed expectations, improving customer retention.
- Investigated fraud cases, preventing substantial financial losses.
- Collaborated with teams to detect and mitigate fraud risks effectively.
- Coordinated with cross-functional teams to develop targeted training on fraud awareness, empowering staff to effectively identify threats.
- Analyzed customer interactions to detect fraud patterns, enabling proactive strategies that safeguarded assets and minimized losses.
- Investigated and resolved complex fraud cases, preventing significant financial losses and ensuring compliance with regulatory standards.
- Implemented targeted training programs on fraud awareness, empowering staff and enhancing their ability to identify and mitigate threats.
- Coordinated with cross-functional teams to develop and execute strategies, strengthening organizational resilience against fraud risks.
Education
Bachelor of Business Administration - Finance
Texas A & M University-Commerce
Commerce, CA05.2022
Skills
- Advanced financial analysis skills
- Proficient in risk mitigation
- Fraud risk management
- SQL proficiency
- Advanced banking knowledge
- Regulatory compliance expert
- Experienced in operations management
- Proficient in account management
- Data analysis proficiency
- Advanced Microsoft Office skills
- Advanced Salesforce user
- Oracle - Beginner
- SAP - Skillful
- Leadership - Skilled
- Process Improvement - Expert
- Customer Service - Experienced
- Business Analysis - Experienced
- Underwriting - Expert
- Anti-Money Laundering - Expert
- Credit Analysis - Expert
Certification
Certified Anti-Money Laundering Specialist - CAMS — 2015
Timeline
Credit Risk Analyst
Fiserv
09.2024 - Current
Junior Underwriter
Total Merchant Resources
07.2023 - 09.2024
Consumer Risk Analyst
Vroom
05.2021 - 06.2022
Business Operations Analyst
Beyond Finance
12.2019 - 04.2021
Risk Operational Analyst
Paysafe Group
11.2018 - 11.2019
Relationship Manager
Bank of America
11.2015 - 10.2018
Fraud Specialist
JPMorgan Chase
06.2014 - 11.2015
Bachelor of Business Administration - Finance
Texas A & M University-Commerce