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923 Stonewood Drive | Brentwood, CA 94513 | C: 925.408.0216 | H: 925.513.3364 |

Global Strategy Development | Risk Assessment & Remediation | Operations Excelle
Results-driven and highly effective operations and risk management professional
with expertise in the payment card, banking, and retail industries. Over 20 year
s of diverse experience in directing business-critical operations, compliance an
d risk management teams. Track record of successfully identifying emerging trend
s and cultivating enhancements to augment corporate level policies and procedure
s. Reputation for consistently delivering on-time superior results, leading to i
ncreased efficiencies, productivity, and profitability. Regarded for the ability
to competently review and analyze data, and maintain compliance in an ever-chan
ging environment. Notable track record in project and global cross-functional te
am management.
? Strategic Planning ? Cross-Functional Relationships
? Project and Budget Management ? Negotiation and Problem Solving
? Operational and Process Improvements ? Policies, Procedures and Best Practice
? Team Building and Leadership
VISA, INC., Foster City, CA
Senior Business Leader (2001 * 2010)
Served as driving force behind management of acquirer risk and compliance progra
ms, global strategy development; operational risk assessments and optimization;
fraud and chargeback tool planning, implementation and trend analysis for the wo
rldâ s largest retail electronic payment network. Accountable for $3.5 million annual
budget with less than 5% variance. Managed and guided the career development of
5 director-level team members.
* Led cross-functional global team that developed the long-term, next generati
on, global authentication strategy for Visa. The strategy incorporated tactics a
nd technologies to reduce fraud and the compromise of confidential consumer and
bankcard data.
* Streamlined operational efficiencies through initiation and implementation o
f a fraud strategy plan and implementation of fraud and chargeback performance m
onitoring tools, resulting in expedited identification and resolution of issues
as well as reduced losses. Entire project, including system integration, was com
pleted on time and within budget.
* Spearheaded multi-phase project designed to improve agent oversight, resulti
ng in the early identification 4 potential bank failures and the mitigation of o
ver $ 5million in potential losses.
* Developed thorough and accurate global fraud and payment system risk reporti
ng which lead to the proactive identification of emerging trends and implementat
ion of risk mitigation actions. This project included development of common glob
al business metrics and business requirements leading to the successful replacem
ent of a legacy fraud reporting tool.
* Authored standards guides and compliance processes, policies and procedures
to address business, legal and / or regulatory issues in the areas of acquirer r
isk, data security and prepaid issuer risk programs.
BANK OF AMERICA, San Francisco, CA
Assistant Vice President, Merchant Services & Card Services (1997-2001)
Leveraged outstanding leadership skills to deliver risk management and complianc
e monitoring to the entire merchant portfolio of the Unite Statesâ largest financial
institution. Managed a team of 6 risk analysts responsible for detecting emergi
ng trends, preventing compliance issues, and suggesting corrective action resolu
tions. Played integral role in reviewing and underwriting existing merchants. Re
designed existing fraud processes and procedures, and significantly reduced reso
urce requirements while improving operations.
* Identified over $10 million in fraud losses. Led investigation of organized
crime counterfeit rings in Northern California, and assisted in the prosecution
of multiple suspects.
* Conducted analysis of trends across bankâ s vast portfolio of credit and debit pr
oducts leading to the proposal rule sets and frameworks that successfully reduce
d fraud without negatively impacting sales.
* Served as risk SME at industry meetings, professional organization events, a
nd during legal proceedings
* Awarded certificate of appreciation for outstanding contribution by United S
tates Postal Inspection Service (2001) for investigative assistance of postal th
eft fraud ring.
Assistant General Manager (1995-1997)
Directed incoming case flow for small private firm that specialized in backgroun
d checks and the investigation of internal theft and workerâ s compensation claims. A
ssigned cases, reviewed reports for policy compliance prior to client distributi
on. Identified process and business improvement opportunities to generate revenu
e and increase profits. Developed company policies and procedures manual, as wel
l as standardized template and report formatting.
Loss Prevention Manager (1987 * 1994)
Managed analysis of daily accounting activity, internal audit, and senior manage
ment reporting. Oversaw detection, investigation, and resolution of internal and
external theft. Supervised staff of 7. Trained new hires on fraud and loss prev
ention techniques. Charged with employee defalcation interviews, and represented
company at civil and criminal court proceedings.
ST. MARYâ S COLLEGE OF CALIFORNIA * Master of Business Administration (MBA), Moraga
, CA
UNIVERSITY OF PHOENIX * Bachelor of Business Management (BBM), Walnut Creek, C
Additional Information
* Member, International Association of Financial Crimes Investigation; Past pr
esident, Northern California chapter; Past member, Board of Directors
* Visa Inc. publications: â Acquirer Risk Program Standards Guide, * 2004; â Prepaid Is
suer Risk Program Standards Guide, * 2007
* Featured speaker, Electronic Transaction Association Compliance Day events,
multiple years
* Technical inventory: Microsoft Office Suite, Microstrategy, proprietary data
mining software