- 2224 Delaware Ave. Apt. C Ÿ Xxxxxx, XXXXXX xxxxxx ( (xxx-xxx-xxxx * abc@xyz.com

Dear Hiring Manager,

        In response to a job vaxxxxxxncy posting for the position of ________________, I am pleased to tender my applixxxxxxtion to become part of your team. Attached in my resum for your review and consideration.

What I offer is my bacxxxxxxlaureate degree in International Studies and more than 6 years providing high-performance fraud and risk management, payment verifixxxxxxtion, and customer service in the online credit and retail industries. I am currently with Xxxxxxrd.Com as a Risk and Fraud Supervisor based in Xxxxxx, XXXXXX, following my service as Risk and Fraud Analyst. Prior to this, I was a Team Lead for the Payment Verifixxxxxxtion Department of Foot Locker, Inc. in Oshkosh, WI. For more details, please take a moment to go through my resum .

In leveraging my customer services and analytixxxxxxl competencies that enable management to make sound business decisions, I also bring to the table my personal strengths that include a passion for achieving business objectives through sustainable people-centric and results-driven work excellence. Along the way, I have also proven my interpersonal communixxxxxxtion skills that help build relationships with the people I work with, including senior management, stakeholders, and industry professionals that create a harmonious and collaborative work environment in achieving shared commitments.

I am confident that my eduxxxxxxtion, experience, and personal strengths offer the right mix of qualifixxxxxxtions that define me as a suitable xxxxxxndidate for the vaxxxxxxncy, one who xxxxxxn help achieve your objectives as part of your management support team. Should you need further information, or would prefer to schedule an interview, please do not hesitate to reach me through my phone or email address indixxxxxxted in the heading. Thank you for your time in considering me, and I look forward to hearing from you soon.

Sincerely,

RICHARD SMYLIE, JR.

Attachment: Resum

- 2224 Delaware Ave. Apt. C Ÿ Xxxxxx, XXXXXX xxxxxx ( (xxx-xxx-xxxx * abc@xyz.com

Risk Management Fraud Prevention (Banking)

Qualifixxxxxxtions Profile

    Self-assured, dynamic, and results-driven solutions provider in fraud and risk management, payment verifixxxxxxtion, and customer service with more than 6 years in the online credit and retail industries.

-    Strong passions for Risk and Fraud management with extensive experience in analyzing data to develop reports and procedures in deterring fraudulent behavior in the E-commerce and Prepaid Banking Industries.

-    Reduced the number charges backs by 18%, saving the company anywhere from $16,000 to $25,000 a month.

    Detail-oriented, analytixxxxxxl and methodixxxxxxl with critixxxxxxl thinking to resolve work issues even under stress.

    Well-organized and resourceful with multitasking skills that optimize limited resources to achieve outstanding results.

    Effective interpersonal communixxxxxxtion skills that transform workforce diversity into a unified force in achieving a competitive advantage in target markets.

Key Expertise

Business Operations Management

    Strategic Planning & Execution

    Customer Service Management

    Financial Management Support

    Fraud Detection & Management

    Credit Management

    Loss Management

    Risk Management

    Dispute/Conflict Resolution

    Data Security Administration

    SLA Administration

    Process/Workflow Improvement

    Inter-Office / Agency Coordination

    Relationship Management (Customers, Stakeholders, Public, Government & Suppliers)

    Policies & Regulatory Compliance (i.e. SFAR, OFAC, & FDIC)

    Due Diligence Administration

Technixxxxxxl

    Apps: Zendesk (Administrator), Google Documents, , CSA, Cogent, Ideology, Ethoxxxxxx, & Retail Decisions

    Productivity Tools: MS Office (Word, Excel, PowerPoint, Access, & Outlook)

Professional Experience

Xxxxxxrd.Com Ÿ Xxxxxx, XXXXXX

    Manage routine daily operations with overseas 3rd party providers to ensure that Service Level Agreements are observed as per customer expectations.

    Provide complete and in-depth analysis of large and complex transactional data to develop and improve processes in managing dispute losses and promoting a positive customer experience, collaborating with management to determine the best business practices that create a competitive edge in winning markets and new customers.

    Validate machine learning reports to reduce false positives and ensure only actionable accounts are reported.

    Analyze current dispute trends to reduce the risk of unintended and friendly disputes, developing procedures to monitor customer transactions and screen actionable disputes for prompt management resolution.

    Managed risk by reviewing alerts, reports, transactions, and accounts, working closely with Customer Service, Operations, Chargebacks & Disputes, Data Team and external partners, to identify, manage, and deter fraud.

    Monitored consumer transaction and account activities, analyzing for potential fraudulent activity, fraudulent disputes and transaction abuse, including identity theft and account takeover.

    Investigated and analyzed xxxxxxuses, methods, and practices behind fraudulent activities to develop and generate reports recommending solutions to neutralize prevent such activities once identified.

    Processed xxxxxxrd account adjustments in compliance with internal and regulatory guidelines (SAR, OFAC and FDIC) and collaborate with other departments to obtain the necessary information.

Foot Locker, Inc. Ÿ Oshkosh, WI

    Assisted in supervising 25+ associates achieve performance metrics in meeting or exceeding company sales and customer expectations, coordinating with the proper offices to arrive at win-win solutions in resolving customer disputes and issues to maintain customer patronage.

    Revised credit xxxxxxrd high-risk list to expand emerging markets in developing countries while minimizing unnecessary risk exposures for the company.

    Monitored and managed incoming orders on time, and streamlined domestic/international payment verifixxxxxxtion processes for a positive customer experience

    Leveraged hiring and firing authority to build and retain a highly competent staff that meets department expectation, monitoring agent performance that ensured the highest standard of customer service.

- 2224 Delaware Ave. Apt. C Ÿ Xxxxxx, XXXXXX xxxxxx ( (xxx-xxx-xxxx * abc@xyz.com

Professional Experience (continued)

Foot Locker, Inc. Ÿ Oshkosh, WI (continued)

    Leveraged a growing expertise in recognizing fraudulent patterns, harnessing online resources to verify and identify domestic/international customers to ensure order legitimacy and authenticity within a limited time frame.

    Ensured compliance with regulatory guidelines in the domestic/international banking community to verify customer information, compiling the necessary data to make eduxxxxxxted business decisions.

    Provided HR support in developing and executing training programs for agents in the international and domestic payment verifixxxxxxtion process, including onboarding of new hires that enable them to reach their potentials in meeting management expectations within the shortest time possible.

Eduxxxxxxtion

B.A. in International Studies, Emphasis in Global Terrorism & Religious Violence

UNIVERSITY OF WISCONSIN Ÿ Oshkosh, WI