Jean Meriba W

Fraud and Dispute Analyst (Aug 2021 - Nov 2022)

• Perform maintenance on International Online Banking product and services
• Investigating the Fraud Claim for Atlanticus Bank
• Based on the Fraud Type Such as Counterfeit, Moto, Fraud Application Account, Never Received Card (NRI), Lost or Stolen Card
• Sending Affidavit to the Customer to get the Documented Fraud Claim Statement and Start the Investigation Process with the Turn around time of 60days
• Pulling data from LexisNexis (Application in US provides all the Past and Present Data of the US citizens) Co relating all the Information and Taking Decision based on Fact.
• Gathers and analyzes cardholder and/or merchant account transactions to determine if the disputed transactions are covered under federal regulations, organizes supporting information, and applies appropriate credit/debit adjustments to accounts based on the final result of arbitration.
• Conducted root cause analysis on recurring disputes, identifying areas for process enhancements that led to increased operational efficiency.

AML Analyst (Dec 2022 - June 2023)

• Perform Periodic KYC reviews on risk based schedule
• Used sound judgment and available resources to make well-informed decisions for case approval or denial.
• Participated in industry conferences and workshops to stay informed of best practices and emerging trends in AML compliance.
• Identified and filed Suspicious Activity Reports (SARs) for transactions exhibiting potential money laundering activity.
• Monitored financial transactions and immediately reported suspicious activity to authorities.

Chargeback Analyst (July 2023 - August 2024)

• Executed timely submission, collection and reconciliation of chargebacks, ensuring compliance with industry standards.
• Processed disputes related to giftcards, initiating chargebacks per association and federal regulations.
• Trained new team members on chargeback procedures, enhancing overall efficiency within the department.
• Participated in external conferences to stay informed about industry changes related to consumer protection regulations, chargeback rules, and fraud prevention techniques.
• Reduced instances of fraudulent transactions with thorough investigation and analysis of chargebacks.
• Managed escalations from clients or other internal departments, addressing concerns in a timely and professional manner to maintain positive relationships.
• Supported clients by maintaining thorough knowledge of regulatory requirements and industry best practices in dispute management.