Shelley Johnson
Prophetstown,IL
Summary
Results-driven Credit Operations and Risk Management professional with 18 years of experience in credit reporting, consumer disputes, and fraud investigations. Expertise in e-OSCAR queue management, Metro 2 reporting, and ACDV investigations, with a strong focus on root-cause analysis and regulatory compliance. Proven track record of enhancing operational efficiency and data integrity in regulated financial environments.
Overview
20
20
years of professional experience
Work History
Credit Reporting Specialist (Remote)
Zippy MH
03.2026 - Current
- Designed and implemented an internal credit reporting validation process that reduced vendor costs by approximately $48,000 annually while improving data accuracy and compliance.
- Ensured 100% data compliance across major credit bureaus by parsing, mapping, and rectifying account information against rigid Metro 2 reporting standards.
- Managed high-volume backend dispute lifecycles, resolving complex ACDVs through the e-OSCAR network to ensure timely dispute resolution.
- Collaborated asynchronously with cross-functional risk, legal, and operational teams to implement new credit reporting validation procedures, improving overall compliance.
- Conducted deep-dive data audits on manufactured housing portfolios using FICS Mortgage Servicer, validating account ownership and histories to enhance data integrity.
Resolution Specialist / Commercial Card Operations
JPMorgan Chase
Elgin, IL
01.2022 - 01.2026
- Reviewed complex commercial card applications, identifying database and setup errors to safeguard system account maintenance.
- Authored highly complex, non-templated corporate correspondence and detailed factual narratives to business clients regarding application rejections and data anomalies; customized each communication from scratch to ensure absolute regulatory compliance.
- Reviewed operational security procedures and coached peers, contributing to improved processing metrics and adherence to technical compliance.
- Prepared backend operational reports to monitor rejections, processing volumes, account populations, and aging queues, ensuring operational transparency.
- Completed core system updates and database maintenance requests for financial business partners, enhancing system stability and data integrity.
ACDV – Automated Consumer Dispute Verification
JPMorgan Chase
Elgin, IL
01.2018 - 01.2022
- Resolved fraudulent credit report disputes in e-OSCAR queues, ensuring compliance with federal timelines.
- Validated account ownership through detailed database research and scraper tools, confirming historical profile documentation.
- Self-motivated, with a strong sense of personal responsibility.
- Worked effectively in fast-paced environments.
- Skilled at working independently and collaboratively in a team environment.
Consumer Credit Recovery Specialist
JPMorgan Chase
Elgin, IL
01.2007 - 01.2018
- Investigated and resolved accounts closed for complex fraud utilizing TSYS (C3), FWIR, STAR, LexisNexis, VROL, and Mastercom systems.
- Evaluated fraudulently opened accounts, executing precise balance adjustments, merchant chargebacks, and responsibility agreements to mitigate financial loss.
- Filed Suspicious Activity Reports (SARs) and referred high-risk profiles for Anti-Money Laundering (AML) review when systemic patterns were discovered.
- Tracked active fraud projects and document history fields in Excel, ensuring thorough documentation and compliance.
- Completed advanced corporate banking training on fraud prevention tactics, credit reporting law, and regulatory risk management, enhancing knowledge for effective risk mitigation.
Education
High School Diploma -
Skills
- Consumer dispute verification
- Compliance frameworks
- Technical Systems: e-OSCAR
- FICS Mortgage Servicer
- TSYS (C3)
- LexisNexis
- VROL
- STAR
- FWIR
- Mastercom
- Microsoft Excel
- Risk mitigation
- Corporate correspondence
- Professional correspondence writing
Timeline
Credit Reporting Specialist (Remote)
Zippy MH
03.2026 - Current
Resolution Specialist / Commercial Card Operations
JPMorgan Chase
01.2022 - 01.2026
ACDV – Automated Consumer Dispute Verification
JPMorgan Chase
01.2018 - 01.2022
Consumer Credit Recovery Specialist
JPMorgan Chase
01.2007 - 01.2018