Victoria Price
Clementon
Summary
Detail-focused and performance-driven Fraud Analyst with extensive experience in managing the monitoring, mitigation, and prevention of fraud. Possesses extensive knowledge of systems, tools, and best practices, expertly applying them to identify suspicious activities, determine trends, and develop new processes that significantly reduce risk. Adept at partnering with internal teams on the development, improvement, and implementation of risk management programs that protect the company and customers. Excels at analyzing complex data sets to identify fraud patterns and develop actionable strategies to resolve risk. Demonstrates the capacity to build, mentor, develop, and lead high-performance teams by creating a collaborative culture that values individual skills, inspires confidence, and empowers members to deliver exceptional results.
Overview
10
10
years of professional experience
Work History
Fraud Detection Strategist
Morgan Stanley
08.2023 - Current
- Analyzed large datasets for patterns indicating potential fraudulent activities, mitigating financial risks for the organization.
- Recommended improvements to current fraud monitoring systems, resulting in increased efficiency and effectiveness.
- Stayed up-to-date with emerging trends in financial crimes by attending professional development courses and workshops regularly.
- Streamlined the fraud detection process with continuous improvement of policies and procedures.
- Enhanced fraud detection rates by implementing advanced data analysis techniques and tools.
- Reduced company losses by promptly identifying and investigating suspicious transactions (prevented 5.5 million dollars in my first year)
- Drastically reduce and stop large scale BIN attacks and unknown compromises
- Complex debit card rule writing to stop and minimize attacks before they occur.
- Reduced company losses by promptly identifying and investigating suspicious transactions.
- Trained new team members in proper use of fraud detection systems, ensuring consistent performance across the team.
- Evaluated customer data to identify and prevent fraudulent activities.
- Tracked fraud cases and monitored trends to develop strategies for prevention.
- Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity.
- Produced detailed reports of fraud investigations and presented findings to senior management.
- Collaborated with team members to discuss fraud trends and brainstorm methods to combat this type of crime.
- Analyzed large amounts of data to find patterns of fraud and anomalies.
Fraud Prevention Specialist
ONBE
11.2021 - 08.2023
- Play an integral role in management, mitigation, detection, and prevention of fraud, conducting a detailed analysis of card authorization reports to identify fraud trends and manage the implementation of rules to decline the fraud while minimizing the impact on legitimate cardholders
- Review and analyze transaction reports from ACH and international money transfers
- Effectively utilize technology and analytical skills to detect suspicious transactions resulting from counterfeit cards, account takeovers, and data breaches
- Review daily reports to identify risky/unauthorized charges to safeguard cardholder accounts
- Created learning documentation for department
- Create complex rules and implement fraud strategies to prevent BIN attacks or large scale account takeovers
- Currently, $8 Million of dollars of fraud has been stopped with implemented rules and strategies
- Created channels to between departments to open communication to identify fraud trends before attacks can occur
- Provided feedback and training to other departments to help them identify and spear head fraud
- High level knowledge of card and login compromises, IP tracing, ACH and global deposit fraud as well as bank fraud
- False positive rule reduction on rules that overfire and cause declines
- Implemented new reports, dashboards and suggested optimizations to streamline work performance amongst the team
- Supported colleagues in navigating difficult situations involving potential fraud by providing timely advice based on professional expertise and experience.
- Managed complex cases involving identity theft, credit card fraud, and other forms of financial crime, resulting in successful resolution for affected customers.
- Worked closely with IT departments to ensure security systems were optimized for detecting and preventing fraud attempts, safeguarding company assets.
- Analyzed large amounts of data to find patterns of fraud and anomalies.
Fraud Investigations Analyst
ONBE
11.2021 - 06.2022
- Investigate all fraud claims and billing disputes
- Interact with law enforcement agencies, merchants, and persons of interest in order to acquire and review all information and complete the appropriate actions
- Proactively identify trends/patterns of activity related to fraud claim activity and advance as appropriate
- Troubleshoot sophisticated cases independently and with minimal direction when required
- Connect with management regarding irregularities or errors in case handling
- Adhere to department processes, procedures and goal expectations for all aspects of case investigation
- Handle raised client inquiries, time-sensitive cases and large dollar financial investigations
- Improved team collaboration by initiating regular strategy meetings.
- Conducted rigorous fraud investigations, safeguarding company assets against potential losses or misappropriation.
- Spearheaded fraud investigations, uncovering discrepancies and implementing corrective measures to prevent future occurrences.
- Participated in special projects as needed, such as due diligence reviews or business risk reviews
BSA/Fraud Analyst
OceanFirst Bank
07.2021 - 11.2021
- Delivered astute analysis and key insights to optimize company and customer financial security
- Conducted detailed analysis of fraud trends and steered implementation of strategies to mitigate fraudulent transactions
- Efficiently employed internal and external systems and tools to monitor credit card transactions and identify potentially fraudulent charges requiring review
- Diplomatically and empathetically contacted customers to advise them on suspicious charges and check validity
- Proactively engaged with cardholders to resolve disputed fraud charges and losses
- Conducted in-depth analysis of compromised cards to formulate new strategies for identifying and capturing fraud
- Reviewed business activity and created profiles for larger clients for KYC and risk tracking
ACH Clerk
OceanFirst Bank
11.2019 - 07.2021
- Responsible for working on a team of 7 ACH associates who collectively handle branch ACH issues
- Working with stop payments, unauthorized charges, tracking ACH payments and credits, handle cash management and notice of changes
- Handled ACH issues for branches of OceanFirst
- Assisted in merger validations and core system testing
- Balanced the entire bank’s general ledger daily
- Ensured deposits went to the correct accounts after account closures or changes
Personal Banker
OceanFirst Bank
07.2018 - 10.2019
- Cross sell products offered by company
- Obtained an NMLS to take loan applications and offer credit products
- Assisted customers both in person and over phone
- Completed teller and branch audits
- Utilized strong interpersonal communication skills during client interactions, resulting in increased trust and fostering long-lasting relationships.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Managed deposits, withdrawals and wire transfers to process smooth banking transactions for clients.
- Processed customer requests for statements, ordering additional checks, and updating customer personal information in database.
- Conducted regular audits of cash handling procedures, minimizing risk exposure for the branch.
Branch Banker
BB&T
12.2014 - 07.2018
- Cross sell products offered by company
- Obtained an NMLS to take loan applications and offer credit products
- Assisted customers both in person and over phone
- Completed teller and branch audits
- Cultivated strong relationships with clients by providing personalized banking solutions.
- Coordinated training sessions to build skills and competence among team members.
- Strengthened client relationships, offering tailored financial advice to meet individual needs.
- Mentored junior bankers, fostering professional growth and development through coaching sessions.
- Ensured compliance with bank policies and regulatory requirements to maintain a secure environment.
- Weekly reconciliation of ATM and vault.
Education
Associates OF SC I ENC E - Business Management
Berkeley College
Newark, NJ01.2015
Skills
- Risk Mitigation
- Fraud Detection & Resolution
- Data and trend Analysis
- Identity verification
- Fraud and risk Analysis/Mitigation
- Fraud Detection/Investigation
- Credit Card/Payment Monitoring
- Customer Service
- Dispute Resolution
- Teamwork & Leadership
- Cross-Functional Collaboration
- Microsoft Word
- Excel
- PowerPoint
- Outlook
- SQL
- Bio Catch
- Defense Edge
- Visa Risk Manager
- Spendtrend
- Data Choice
Programs
Timeline
Fraud Detection Strategist
Morgan Stanley
08.2023 - Current
Fraud Prevention Specialist
ONBE
11.2021 - 08.2023
Fraud Investigations Analyst
ONBE
11.2021 - 06.2022
BSA/Fraud Analyst
OceanFirst Bank
07.2021 - 11.2021
ACH Clerk
OceanFirst Bank
11.2019 - 07.2021
Personal Banker
OceanFirst Bank
07.2018 - 10.2019
Branch Banker
BB&T
12.2014 - 07.2018
Associates OF SC I ENC E - Business Management
Berkeley College
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