CCB Risk-card Services Resume Samples

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A Watsica

Amalia

Watsica

449 Morton Alley

Chicago

+1 (555) 230 9350

449 Morton Alley

Chicago

Phone

p +1 (555) 230 9350

Experience Experience

San Francisco, CA

CCB Risk-card Services

San Francisco, CA

Schoen-Senger

San Francisco, CA

CCB Risk-card Services

Perform and direct some treatment analysis as it pertains to eligibility and performance
Evaluate the strengths and weaknesses of existing controls and provide business direction on opportunities for improvement
Manage development of a reporting/analysis infrastructure for the CCB Risk Control Team
Partner with stakeholders to ensure that all reporting is developed, tested, and maintained in accordance with established corporate and team standards
Manage internal team to ensure monthly random and targeted samples are provided to respective card/auto Q/A teams in a timely manner
Assist with projects supporting efforts to continually improve/enhance the Quality Assurance team
Conduct complex analysis including data collection, analysis, summarization and presentation of results to management

present

San Francisco, CA

CCB Risk-card Services

San Francisco, CA

Ernser Inc

present

San Francisco, CA

CCB Risk-card Services

present

Leverage Q/A findings to assist with the management of business risks. Develop recommendations to continually improve credit quality
Provide thought leadership and identifies and implements opportunities to improve efficiency by reviewing work processes from new perspectives
Manage business risks, and develop recommendations to strengthen internal controls and improve operational efficiency
Work with Card Risk Management business colleagues to develop, document, and validate business owned risk control self assessments, and issue and action plans
Manage internal team to develop on-going performance monitoring of underwriting “disagrees” identified by Q/A teams
Work with business functional area counterparts to develop interactive dashboards and management reporting
Partner with internal groups to build or modify strategies to improve liquidation and overall performance including regulatory and compliance aspects

Education Education

Bachelor’s Degree in Creativity

Central Michigan University

Bachelor’s Degree in Creativity

Skills Skills

Strong P&L knowledge and understanding of drivers of profitability
Strong knowledge of system development life cycle methodologies
Proficiency in: SAS/SQL, Statistical Methods, Excel (e.g. pivots) and Microsoft Power Point, Knowledge of Unix environments
Strong in strategic thinking and have the ability to structure analysis and develop sophisticated and common-sense solutions to complex business challenges
Strong analytical skills and writing skills, to include solid experience in writing functional and technical specifications
Work with operations partners and leaders to ensure any new developments will be deliverable and executable in an Operations environment
Strong communication and interpersonal skills with the ability to work across functions and influence stakeholders
Work with Operations partners and leaders to ensure any new developments will be deliverable and executable in an Operations environment
Proficiency in: SAS, SQL, Excel (e.g. pivots) and Microsoft Power Point, and knowledge of Unix environments
Excellent strategic thinking and have the ability to structure analysis and develop sophisticated and common-sense solutions to complex business challenges

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15 CCB Risk-card Services resume templates

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CCB Risk-card Services Resume Examples & Samples

Strong analytic and writing skills, to include solid experience in writing functional and technical specifications and interpretive and problem solving skills
SAS, SQL experience a plus
Project Management experience a plus

CCB Risk-card Services Resume Examples & Samples

Management of a specific set of customer segmented treatment strategies for past due customers across collections operations
Responsible for recognizing opportunities and enhancements to existing strategies to improve overall financial performance, customer experience and execution quality
Forecast impacts of strategy and segment mix changes. Lead business partners through adjustments
Partner with technical groups to develop requirements for changes to rules engines and automated strategies
Utilize SAS, SQL, Oracle and MS Office analysis tools to complete analysis requirements
Audit accounts in their respective function to ensure all strategies and processes are functioning as designed and perform root cause analysis on trends against these strategies and/or processes. Where issues arise, must be able to recommend and implement appropriate resolutions
Data mining skills, specifically: SAS, Excel, Microsoft Office, and database software applications
High degree of creativity and possess disciplined analytic and strong problem solving skills
Flexible and able to handle multiple tasks in a fast paced changing environment
Strong understanding of consumer lending
Bachelor’s or Advanced degree in a relevant discipline like Statistics, Economics, Finance or a related quantitative discipline preferred

CCB Risk-card Services Resume Examples & Samples

Work with business partners to remediate any breaks in the process by identifying and resolving root cause issues and eliminating customer confusion or regulatory breaks. Document gaps and activities to close those gaps
Interact with internal and external exam team to ensure risk and control assessments are appropriate. Manage action plans that result from audit or exam responses for all audits and exams in Risk Management
Assess issues identified during QA review assignments or special projects, in light of known business risks, and develop recommendations to strengthen internal controls and improve operational efficiency. Utilize knowledge of business to level set the issues and escalate as appropriate
Maintain awareness of significant changes impacting the business, both internally and externally. Continue building knowledge of Card Risk Management policies and procedures, banking and consumer regulations/laws, and Quality Assurance practices, in order to implement necessary enhancements/improvements to modify/expand control activities and to minimize the risk of noncompliance
Strong and up to date knowledge and understanding of risk and control assessments
Ability to effectively and efficiently manage concurrent assignments and quickly react to changing or competing priorities

CCB Risk-card Services Resume Examples & Samples

Optimize, track, and maintain Card’s existing customized collections scores
Develop, optimize, track, and maintain new Retail overdraft collections scores
Integrate Mortgage and Auto scores and models into a centralized ownership
Act as model lead for all required model governance activities for all collections strategy models
Oversee monthly executive reporting
Forecast performance changes that tie to scoring and modeling changes
Create clear written communications and routinely present results to senior leaders, in both technical and non-technical language, that will influence toward a particular decision

CCB Risk-card Services Resume Examples & Samples

Create clear written communications and routinely present results to senior leaders including the ability to influence toward a particular decision
Act as a data steward for the Risk Collections Strategy team
Evaluate new data sources for use in treatment strategies
Ensure team compliance to internal standards related to data and access
Establish team-wide protocols for documentation and data storage
Create and manage strategy legacy books, understanding past and present strategies’ performance
Manage the Strategy team through the ongoing Strategy recertification
Lead Fair Lending assessments as it relates to data usage in strategies
Perform governance functions as it pertains to Strategy reporting
Identify and understand trends and make recommendations based on analysis results
Perform and direct some treatment analysis as it pertains to eligibility and performance
3-5 years of risk management and analytics experience within financial services
Demonstrated project leadership skills
SAS, SQL, and statistical analysis experience not required, but a plus
High degree of creativity and possess disciplined analytic and problem solving skills
Familiarity with Project Management techniques
Bachelor’s degree in a relevant discipline

CCB Risk-card Services Resume Examples & Samples

B.S. in relevant technical or quantitative fields (e.g., Statistics, Operations Research, Computer Science, Information Technology and Economics) or relevant experience
7+ years of relevant experience required
Ability to implement strategic initiatives within Operational areas
Ability to structure analyses to solve business questions and problems
Proficiency in: SAS/SQL, Statistical Methods, Excel (e.g. pivots) and Microsoft Power Point, Knowledge of Unix environments
Experience on Teradata and/or Oracle infrastructure is preferred

CCB Risk-card Services Resume Examples & Samples

B.S. or higher degree in quantitative/technical field (e.g. Computer Science, Information Technology, Statistics, Operations Research, etc.)
5+ years of experience in one or more of the following: Credit cards, business analysis, data modeling, data warehousing, data management
Strong communication skills: written and verbal, business and technical, detailed and precise
Able to interact effectively with many different types of people, teams, and disciplines
Self motivated, creative and innovative, able to think outside the box
Work independently with little supervision, but function as part of extended teams
MS Office proficient (required)
SQL proficient (required)
Experience with Oracle and Teradata preferred
Other programming experience is a plus

CCB Risk-card Services Resume Examples & Samples

Operations function could include: Collections, Fraud, Customer Service, and Back-end Support
Bachelors degree
8+ years experience financial industry experience
Ability to influence, negotiate, and lead change
Strong decision making, analytical, and creative thinking skills
Teamwork and communication (written and verbal) required
Proficiency in Microsoft Excel and PowerPoint
5+ years in Operational Risk Management or similar discipline of risk identification and management
MBA or a masters degree in Process Engineering or similar discipline

CCB Risk-card Services Resume Examples & Samples

Responsible for recognizing opportunities and enhancements to existing models to improve overall financial performance, customer experience and execution quality
Partner with internal groups to build or modify strategies to improve liquidation and overall performance including regulatory and compliance aspects
Conduct thoughtful ad-hoc analytics to address business issues and be able to independently generate forward looking solution
Explore new data sources and cross line of business collection best practice to drive the business forward
Bachelors or MS degree(preferred) in Statistics, Econometrics, Operations Research, Mathematics (or equivalent quantitative field)
A minimum of 5 years of relevant analytics/modeling experience. Previous experience in credit card risk/collection fields is strongly preferred
Knowledge of credit card P&L is preferred
Knowledge and experience in gathering requirements, building and presenting strategies, data mining, developing predictive modeling techniques and presentation of findings is a must
Demonstrated excellent written and oral communication skills to clearly present analytical findings and make business recommendations via the use of Microsoft Word, Excel, and PowerPoint

CCB Risk-card Services Resume Examples & Samples

Identify and help drive long term/strategic efforts forward from the business side in partnership with IT
Partner with teams to develop/enhance the appropriate operating model that meets the business need with proper controls
Work with business functional area counterparts to develop interactive dashboards and management reporting
5 plus years of Financial Services experience is required
Experience working with datasets and some querying capability (data manipulation / reporting)
Demonstrated independent problem solving skills and ability to develop solutions to complex analytical/data-driven problems

CCB Risk-card Services Resume Examples & Samples

Develop portfolio analytics using internal and external behavioral data along with macro-economic trends
Monitor the performance of existing customer exposure strategies and develop new strategies by analyzing large data and using strong analytical skills
Guide other team members in execution of daily activities associated with portfolio analytics
Bachelor's degree in a quantitative discipline (Finance/Statistics/Economics/Mathematics/Operations Research) or equivalent work/training required
3+ years of Credit Risk Management and/or Marketing Analytics in financial industry, preferably credit cards
Strong knowledge of SAS, SQL and MS Office required

CCB Risk-card Services Resume Examples & Samples

The individual would have to be effective in working with employees at all levels, from senior executives to staff employees
Must be able to demonstrate thought leadership in designing innovative strategies to solve business problems
Design and manage analytical strategies for charged off portfolio including channel optimization, segmentation, settlements, payment arrangements, and overall portfolio performance management
Design, implement, track and report on new strategies in a test vs. control environment
Conduct financial analysis to estimate benefits and costs and develop detailed business plans for proposed projects
Work with operations partners and leaders to ensure any new developments will be deliverable and executable in an Operations environment
Bachelor’s Degree (MS or MBA preferred) with preferred concentrations in Math, Statistics, Economics, Engineering or similar quantitative disciplines
Prior experience in Risk management disciplines, especially Strong Collections & Recovery analytics departments is preferred
Demonstrated experience in applying analytics to efficiently and pragmatically solve business problems through structured problem solving approaches
Excellent communication skills, role may require frequent interaction with senior leaders
Experience with statistical software such as SQL, SAS and/or Knowledge Seeker

CCB Risk-card Services Resume Examples & Samples

3+ years of related analytical experience in Risk Management (in financial service industry is preferred)
Strong analytical, technical and statistical skills are must. Ability to synthesize / analyze diverse information, develop and recommend strategies, and make decisions
Demonstrated strong communication skills to clearly present analytical findings and make business recommendations
Experienced programming in both SAS and SQL, Operating systems experience with UNIX and relational database knowledge such as ORACLE/TERADATA
Working knowledge of statistical modeling techniques (regression, decision trees) is a plus

CCB Risk-card Services Resume Examples & Samples

3+ years of relevant experience required
Experience in financial industry preferred
Demonstrated Partnership & Relationship building skills
Proficiency in: SAS, SQL, Excel (e.g. pivots) and Microsoft Power Point, and knowledge of Unix environments

CCB Risk-card Services Resume Examples & Samples

Conduct complex interaction analysis of risk, behavior, and profitability to integrate risk appetite based framework into consumer credit risk strategies
Provide consistent framework to assess loss and profitability dynamics associated with credit decisions in normal as well as stressed economic scenarios
Provide analytical support to the strategy teams in developing robust methodology, algorithm, and financially sound evaluation framework for credit risk strategies
Utilize knowledge of risk modeling, profitability modeling, and relevant statistical knowledge to develop risk analysis framework that is consistent with the firm’s risk appetite framework
Partner closely with other strategy areas of Risk, Marketing, and Finance to coordinate integration of risk appetite framework into credit strategies
Bachelor's degree with 5-7 years of experience or Master's degree with -35 years of banking analytics and consumer behavior analysis experience or related experience
Prior financial services work experience preferred, but not required
Experience applying complex mathematical models, assessing the accuracy of statistical models relating to changes in consumer behavior and analyzing the sensitivity related to key behavioral changes including attrition, spend, balance build and loyalty
Ability to compress large amounts of data into short and concise presentations with sound business conclusions

CCB Risk-card Services Resume Examples & Samples

5 years of relevant experience required
Excellent strategic thinking and have the ability to structure analysis and develop sophisticated and common-sense solutions to complex business challenges
Exceptional communication and interpersonal skills with the ability to work across functions and influence stakeholders
Executive presentation development and delivery experience required

CCB Risk-card Services Resume Examples & Samples

Minimum of 5 years of related analytical experience
Strong communication and interpersonal skills, ability to interact with individuals across departments and functions. Ability to work independently. Ability to influence others
Ability to thrive in a dynamic and fast-paced environment. Ability to achieve tight timelines on complex deliverables
Strong knowledge of SAS, SQL, Excel and other analytic tools required
Strong knowledge and understanding of financial services preferred

CCB Risk-card Services Resume Examples & Samples

Manage key aspects of building a new collections channel, including eligibility, targeting, offer design, messaging
Ability to work with cross-functional teams such as User Experience Design team, IT teams, Operations etc. to drive the optimal experience
Strong experience with test & learn approach to optimize the online experience offers and interaction with the phone
Experienced MS Excel or SAS user to perform analysis of channel performance and optimization across different channels
3 plus years of financial services experience; credit card knowledge desired, but not required
Data mining skills, specifically: Excel, Microsoft Office, and database software applications. SAS knowledge is desirable, but not required
Experience in customer contact strategies preferred

CCB Risk-card Services Resume Examples & Samples

Manages / conducts initial research, evaluation, and analysis. Identify internal process opportunities and initiate strategic plans
Manage business risks, and develop recommendations to strengthen internal controls and improve operational efficiency
Build suite of controls and associated dashboards to oversee compliance of all relevant account management strategies (eg., credit line decrease, credit line exchange, credit authorizations)
Participate on task forces and special projects as assigned to assist business in developing appropriate internal control systems or to monitor significant changes in control systems
Develop and implement the most appropriate Risk coverage (timing and extent of work)
Documentation, training and evidence tracking while improving the understanding of the operational risk
Create environment of reliable data, transparency of issues, escalation and accountability
Move to ‘no surprise’ environment with capacity to identify / address issues as they develop and before losses are incurred
Adjust approach when necessary, in light of new findings, to ensure appropriate focus and coverage
Utilize knowledge of business to level set the issues and escalate as appropriate through the audit report or verbally with the team
May conduct various quality assurance reviews and adhoc projects
Knowledge of credit authorizations, risk policies and line management strategies and systems preferred
Minimum 2-4 years of audit, compliance experience or financial services preferred
Strong understanding and experience with Operation Risk Management, and control assessments
Candidates should be action oriented with a focus on results, display strong analytical skills, be able to assess and clearly articulate complex ideas and possess creativity
Must possess organizational and time management skills
Must be able to effectively handle competing priorities and have the ability to work as a part of multiple teams
Must have outstanding attention to detail and ability to learn complex processes that affect various functions and business units within Chase
Must enjoy working in a fast-paced business environment
Proven process improvement experience
Strong PC skills to include MS Word, Excel (Pivot tables, charts / graphs and formulas)
High degree of technical skills with demonstrated experience with software packages / platforms including SQL, SAS, Teradata, Oracle, UNIX
Ability to analyze and apply regulatory requirements to existing or proposed policies, procedures and processes
Ability to compile information and provide recommendations to enhance existing reports/processes
Ability to interact with all levels of management and business partners
Welcomes and is adaptable to change
Excellent questioning and probing skills along with sound decision and judgment skills

CCB Risk-card Services Resume Examples & Samples

Serve as a liaison with card/auto risk partners to provide guidance regarding issues identified by the Q/A team
Serve as a independent validator of risk partner’s analysis and challenge analysis as appropriate
Manage ongoing documentation and timely resolution of all strategy based identified issues
Leverage Q/A findings to assist with the management of business risks. Develop recommendations to continually improve credit quality
Manage development of a reporting/analysis infrastructure for the CCB Risk Control Team
Utilize knowledge of business to level set the issues and escalate as appropriate
Manage internal team to develop on-going performance monitoring of underwriting “disagrees” identified by Q/A teams
Manage internal team to ensure monthly random and targeted samples are provided to respective card/auto Q/A teams in a timely manner
Create an environment of reliable data, transparency of issues, escalation and accountability
Ensure all sampling processes are appropriately documented and updated as appropriate
Manages/conducts research, evaluation, and analysis
Identify internal process opportunities and initiate strategic plans
Participate on task forces and special projects as assigned to assist business
Continue building knowledge of risk policies and procedures, banking and consumer regulations/laws, quality assurance practices in order to implement necessary enhancements/improvements in review coverage and to minimize the risk of noncompliance
May conduct various quality assurance reviews and ad hoc projects
Bachelor’s degree, master’s degree in quantitative field preferred
Minimum 5 years of audit, compliance or financial services management experience preferred
Strong understanding and experience with Operation Risk Management
Strong work experience of risk and control assessments
Candidates should display strong analytical skills, problem analysis experience, business problem analysis experience, business system planning, consulting, design and data processing
Expertise in utilizing SAS, Oracle, and MS Offices analysis tools are required
Knowledge of risk policies and card/auto acquisition and line management strategies and systems preferred
Must be able to effectively handle competing priorities and have the ability to work as a part of multiple team

CCB Risk-card Services Resume Examples & Samples

Design and manage analytical strategies for charged off portfolio including
Effective in working with employees at all levels, from senior executives to staff employees
Proven thought leadership in designing innovative strategies to solve business problems

CCB Risk-card Services Resume Examples & Samples

Help drive the quality and effectiveness of risk controls established by business and process owners by independently testing the credit risk of lending decisions made within the first line with a focus on level of risk assumed in relation to risk appetite
Conduct both random and targeted reviews to provide an independent evaluation of Credit Card and Business Card approved and declined loans to ensure the risk reward balance is properly maintained
Continually monitor the portfolios to ensure approved risk strategies and are performing as anticipated
Provide an independent, objective view of credit risk assessments, mitigation strategies and emerging risks
Actively participate in weekly team application review meetings to ensure the group is providing accurate/consistent/timely feedback to first line business partners
Assist with projects supporting efforts to continually improve/enhance the Quality Assurance team
5+ years of financial industry experience
5+ years of judgmental lending experience with both consumer and business lending products
Extensive knowledge of the credit card/business card business and their operational processes
Strong knowledge of risk management and internal control principles
Proven ability to work in a matrixes environment, provide oversight and directly influence change
Strong decision making, analytical and creative thinking skills
High level of professionalism, self-motivation and sense of urgency
Preferred Qualifications
Prior experience in a quality control role reviewing consumer and/or business card credit decisions
Broad experience across credit card operating and credit risk areas (lending, servicing, billing, payments, collections)
MBA or a master’s degree in related discipline
Business process management or Six Sigma certification
Experience building Key Risk Indicators and Key Control Indicators