Whitney Gathright
Del City,OK
Summary
Fraud detection professional skilled in identifying and mitigating financial risks. Strong analytical abilities and expertise in data analysis, risk assessment, and pattern recognition. Effective team collaborator focused on achieving results, adapting seamlessly to evolving challenges. Highly reliable with keen eye for detail and proactive approach to problem-solving. Experienced with fraud detection and prevention techniques to safeguard financial assets. Utilizes data analysis and investigative skills to identify patterns and prevent fraudulent activities. Strong understanding of risk management and regulatory compliance.
Overview
14
14
years of professional experience
Work History
IAS Fraud Analyst Senior Analyst
Arvest Bank Group Inc.
Remote Worker 100% OK
11.2023 - Current
- Conduct in-depth investigative risk reviews on relationship and deposit activity, by systematically reviewing key indicators within defined procedures, making informed decisions on relationship continuation or exit based on risk thresholds.
- Provide customers and front line associates with information on Scam prevention methods, and safeguarding against Account take over, Romance scams, Crypto/Investment scam and Loan scams.
- Investigate returns on accounts for risk/loaa assessment, Account take over, First Party Fraud, Red flag indicators, and determine relationship viability in accordance to risk and procedure outlines.
- Monitor, analyze, and investigate financial activity to identify potential fraud, money laundering, sanction violations, and other financial crime risks.
- Review new account openings for PII discrepancies, Deposit activity, Fraud trend monitoring and take appropriate action to close relationships that are determined risk upon in-depth reviews.
- Collaborate on a day to day basis with Fraud intake,Contact center, Mitigation, BSA, Frontline, and Wire department for case escalation, Fund movement, SAR referral, and Account closing measures.
- Conduct account closings and in-depth reviews on accounts upon escalation emails from Report fraud and Check Detection analysts.
- Conduct and document within regulatory framework detailed investigations involving customer accounts, transactional patterns, payment activity, and related customer relationships to identify unusual or suspicious behavior, resulting in escalation, as needed
- Monitor emerging fraud trends and daily reports on return check instances, detailed documenting of investigation of PII, Online banking activity, Call recording and Video monitoring, Disputes and customer interactions across all bank avenues to identify and mitigate fraud risk and prevent financial losses for our customers and the bank.
- Review patterns across multiple application, early account activity, login history, digital footprint, Handwriting and activity trend monitoring to identify high-risk accounts/behavior resulting in actions of holds, Escalating to Mitigation/Bsa, and closing relationships.
- Support compliance with the Bank Secrecy Act, USA PATRIOT Act, and the Office of Foreign Assets Control (OFAC) regulations through daily operational activities such as transaction monitoring review, sanctions alert analysis, customer due diligence validation, and adherence to Customer Identification Program (CIP) requirements.
- Monitored and assessed wire fraud activities on previously posted transactions to safeguard accounts and mitigate risks.
- Analyzed transaction data to identify and mitigate potential fraud schemes.
- Collaborated with cross-functional teams to refine fraud detection processes.
- Mentored junior analysts on best practices in fraud detection and prevention techniques.
- Support internal audit reviews and regulatory examinations by compiling documentation, responding to information requests, validating investigative records, and assisting leadership with remediation tracking and issue resolution efforts.
- Monitored accounts for suspicious activity, ensuring timely investigation and resolution.
- Performed risk assessments to determine level of fraud risk and prioritize investigations.
- Tracked fraud cases and monitored trends to develop strategies for prevention, and report all trends to the See something Say something chains.
- Evaluate customer risk indicators and assists in Enhanced Due Diligence (EDD) reviews for higher risk customers or unusual activity patterns.
- Assist with financial crime risk assessment activities by gathering data, analyzing trends, and supporting risk evaluations across products, customer types, and delivery channels, contributing to risk assessment documentation, metrics reporting, and control validation exercises supporting enterprise governance requirements, as needed.
- Maintain current knowledge of financial crime typologies, regulatory expectations, and industry best practices, contributing to departmental initiatives, process improvements, and special projects designed to enhance detection capabilities, operational efficiency, and customer protection.
IAS Fraud Analyst 3
Arvest Bank Group Inc.
Remote Worker 100% OK
07.2023 - 11.2023
- Monitored Internal email inbox (Holds & Report Fraud) for incoming customer deposit activity escalated from branch for customer and risk assessments.
- Review deposit items for Counterfeit, Forgery, Alterations, and Reg CC hold standards, and placed holds as applicable to the account.
- Conducted in-depth investigative reviews on relationship and deposit activity by systematically reviewing key indicators within defined procedures, making informed decisions on relationship continuation or exit based on risk thresholds.
- Provided customers and front line associates with information on Scam prevention methods, and safeguarding against Account take over, Romance scams, Crypto/Investment scam and Loan scams.
- Complete a risk reviews of the customer’s account and online banking activity to aid InfoSec in their reviews.
- Investigate to ensure a customer’s Online Banking/account/PII information is secured when a Trusteer alert is received. Also responsible for identifying any account activity that maybe a result of Trusteer alert and notify Mitigation, Along with contacting the customer to secure and explain the risk and Malware protective measures.
- Investigate returns on accounts for risk assessment, Account take over, First Party Fraud, Red flag indicators, and determine relationship viability in accordance to risk and procedure outlines.
- Conducted Account Closing services removals and collaborated with Mitigation and BSA of loss risks, and reported Large loss activity.
- Investigated Incoming and Outgoing wire requests on actively alerted Risk accounts, and New instances for risk and scam monitoring, Loss mitigation, and Red Flag review.
- Review new account openings for PII discrepancies, Deposit activity, Fraud trend monitoring and take appropriate action to close relationships that are determined risk upon in-depth reviews.
- Collaborated on a day to day basis with Mitigation, BSA, Frontline, and Wire department for case escalation, Fund movement, Hold placement, SAR referral, and Account closing measures.
IAS Fraud Analyst 2
Arvest Bank Group Inc.
Norman, OK
11.2019 - 07.2023
- Monitored Internal email inbox for incoming customer deposit activity escalated from branch for customer and risk assessments.
- Review deposit items for Counterfeit, Forgery, Alterations, and Reg CC hold standards, and placed holds as applicable to the account.
- Worked directly with Customer Loss Prevention on Extensions of holds, Court ordered hold placement/Removal, and Hard holds.
- Placed holds on deposit funds in line with Reg CC criteria, and informed branch and customer of outcome and provided detail on needed next steps for mitigation of losses in risk determined scenarios.
- Conducted in-depth investigative reviews on relationship and deposit activity by systematically reviewing key indicators within defined procedures, making informed decisions on relationship continuation or exit based on risk thresholds.
- Provided customers and front line associates with information on Scam prevention methods, and safeguarding against Account take over, Romance scams, Crypto/Investment scam and Loan scams.
- Monitored the Account Closing desk and removed services for incoming requests on Account Closings. Restricted and removed all services for relationships prior to bot creations.
- Investigated returned check items against relationships on a day to day basis, to determine Risk, First party Fraud, Red Flag indicators, Account take over indicators, Scam or Card Cracking indicators.
- Investigated Online Fraud alerts to determine if the potentially compromised information belongs to an Arvest Customer, Contact the customer and ensure steps are taken to secure the customer’s account/PII.
- Complete a risk reviews of the customer’s account and online banking activity to aid InfoSec in their reviews.
- Investigate to ensure a customer’s Online Banking/account/PII information is secured when a Trusteer alert is received. Also responsible for identifying any account activity that maybe a result of Trusteer alert and notify Mitigation, Along with contacting the customer to secure and explain the risk and Malware protective measures.
- Analyzed transaction data to identify patterns indicative of fraudulent activities.
Deposit Loss Prevention Analyst 1
Arvest Bank Group Inc.
Norman, OK
07.2017 - 11.2019
- Monitor account activity and Investigate suspicious transactions, taking appropriate action to prevent fraud further, reviewing for closure, Identity theft, Account take over, and endorsement concerns.
- Collaborated with other departments to confirm compliance with banking procedures and regulations.
- Generated reports and analysis of transactional data to identify trends of fraud in New accounts, Business accounts, and Third party Liability Endorsement high risk cases.
- Monitored and verified suspicious activity on customer accounts.
- Identified counterfeits, suspicious activity or potential red flag transactions in new accounts, established accounts, Consumer and Commercial relationship investigations.
- Identifying exposure risks and patterns of fraud by investigating collected data from pending and past transactions and reporting to other other departments for recrimination of loss.
- Analyzed security data to identify trends and mitigate potential risks.
- Actively work with customers and outside Financial institutions for liability resolution, reclamation of funds, and resolution of extended hold cases.
- Reviewing chargeback data for trends in transactions and taking necessary action to prevent further risk.
- Analyzing data and transactions for identifiers of fraud risk, account takeover indications, and scam activity for risk management.
- Actively assisting frontline with service requests, review of account activity, and transactions for risk prevention.
Customer Engagement Manager
Petsmart
Midwest City, OK
08.2015 - 07.2017
- Conducted thorough investigations into product theft and fraudulent returns by analyzing transaction patterns and identifying counterfeit receipts and suspicious activities.
- Investigated data to formulate strategies that minimized losses and improved return fraud detection, thereby reinforcing overall store loss prevention efforts.
- Directed comprehensive training initiatives and performance evaluations to strengthen sales inventory management and improve service programs.
- Performed in-depth audits to identify discrepancies in merchandise loss by analyzing inventory and sales data.
- Conducted in-depth investigations using pattern recognition and data-driven approaches to evaluate loss contributions and their effects on profitability.
- Oversaw analysis of processing schedules and production orders to inform strategic decisions on inventory and staffing requirements. Guided the establishment of work procedures and duty assignments within budgetary and time constraints.
- Analyzed financial statements, sales and activity reports, and performance data to assess productivity and goal achievement.
- Analyzed purchase order invoices for accuracy and addressed any inconsistencies to ensure financial integrity.
- Collaborated with board members and staff to establish and implement strategic departmental policies and procedures aligned with organizational goals.
- Engaged with clients to assess needs and formulate proactive solutions.
Pet Care Manager
Petsmart
10.2013 - 08.2015
- Train workers in animal care procedures, maintenance duties, and safety precautions
- Treat animal illnesses or injuries, following experience or instructions of veterinarians
- Prepare reports concerning facility activities, employees' time records, and animal treatment
- Examine and observe animals to detect signs of illness, disease, or injury
- Respond to questions from patrons, and provide information about animals, such as behavior, habitat, breeding habits, or facility activities.
- Monitored overall health of animals through daily observation and hands-on training.
- Managed and motivated employees to be productive and engaged in work.
- Accomplished multiple tasks within established timeframes.
Cashier
Petsmart
10.2012 - 05.2013
- Receive payment by cash, check, credit cards, vouchers, or automatic debits
- Answer customers' questions, and provide information on procedures or policies
- Process merchandise returns and exchanges.
- Greeted customers entering store and responded promptly to customer needs.
- Built relationships with customers to encourage repeat business.
- Worked flexible schedule and extra shifts to meet business needs.
Education
High School Diploma -
Del City High School
Del City, OKSkills
- Fraud Investigations
- Trend analysis
- Transaction monitoring
- Case management
- Proficient in banking systems and Google Workspace, Actimize, Power BI, & SQL
- Expert attention to detail
- Goal and self driven
- Ability to see the big picture while weighing the standards and bank needs
Timeline
IAS Fraud Analyst Senior Analyst
Arvest Bank Group Inc.
11.2023 - Current
IAS Fraud Analyst 3
Arvest Bank Group Inc.
07.2023 - 11.2023
IAS Fraud Analyst 2
Arvest Bank Group Inc.
11.2019 - 07.2023
Deposit Loss Prevention Analyst 1
Arvest Bank Group Inc.
07.2017 - 11.2019
Customer Engagement Manager
Petsmart
08.2015 - 07.2017
Pet Care Manager
Petsmart
10.2013 - 08.2015
Cashier
Petsmart
10.2012 - 05.2013
High School Diploma -
Del City High School