Heriberto Enriquez
Phoenix,AZ
Summary
A highly skilled fraud prevention specialist with extensive experience in identifying, investigating, and mitigating both bank and cryptocurrency fraud. Proven expertise in analyzing financial transactions, detecting suspicious activities, and applying preventive measures to safeguard assets and minimize risk. Adept at leveraging cutting-edge technology, including blockchain and transaction monitoring tools, to identify potential vulnerabilities within banking and crypto systems. Strong understanding of regulatory compliance, anti-money laundering (AML) protocols, and Know Your Customer (KYC) requirements. Demonstrated ability to collaborate with cross-functional teams and law enforcement to ensure fraud cases are thoroughly investigated and prosecuted. Passionate about protecting financial institutions and customers from emerging threats in an ever-evolving landscape of financial fraud.
Overview
5
5
years of professional experience
Work History
Debit Card Fraud Investigator (contractor)
Wells Fargo
03.2024 - 01.2025
- Performed detailed background checks on individuals suspected of fraudulent activity to gather critical information needed for successful investigations
- Provided exceptional customer service to clients affected by fraudulent activities, addressing their concerns while maintaining compliance with regulatory guidelines
- Maintained a high level of confidentiality when handling sensitive information, protecting both company reputation and clients
- Identified potential risks by conducting thorough investigations and analyzing transaction patterns
- Delivered accurate risk assessments based on thorough examination of high-risk customers' profiles and transactional activities
- Maintained updated knowledge of industry best practices, regulations, and emerging trends in the field of anti-money laundering
- I specialize in identifying and investigating unauthorized transactions, ensuring compliance with Regulation E, and protecting customers' rights in cases of bank fraud
- Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity.
- Experienced in preparing and filing Suspicious Activity Reports (SARs) with precision and compliance. Skilled in analyzing financial transactions, identifying suspicious activities, and ensuring adherence to AML regulations. Strong attention to detail in documenting findings, collaborating with regulatory authorities, and mitigating financial risks to safeguard institutions from fraud and illicit activities.
- Analyzed large amounts of data to find patterns of fraud and anomalies.
Lockbox Specialist (contractor)
BMO Bank of Montreal
08.2023 - 02.2024
- Performed regular audits on processed payments, identifying discrepancies or errors for immediate correction or escalation as needed
- Maintained high levels of customer satisfaction, addressing client inquiries and resolving issues in a timely manner
- Ensured accurate and timely payments for clients by diligently verifying payment information and updating financial records
- Contributed to the development of departmental goals, setting targets for performance improvement initiatives
- Managed high volumes of incoming mail containing payments, efficiently sorting and routing mail items for prompt processing
- Reduced error rates in payment processing with thorough attention to detail and strict adherence to company policies
- Utilized various reconciliation methods to ensure accuracy in payment postings, validating transaction details against bank statements or other financial records
- Manged approximately 30 incoming calls, emails and inquiries per day from customers.
Fraud and Risk Analyst Clerk
Union Bank (contractor)
07.2022 - 05.2023
- Detected fraudulent activities by conducting thorough investigations and analyzing transactional data
- Streamlined reporting processes for more accurate tracking of key performance indicators related to fraud and risk mitigation efforts
- Implemented process improvements that resulted in cost savings while maintaining strong anti-fraud measures throughout the organization
- Leveraged statistical models to identify high-risk transactions, optimizing resources towards areas requiring enhanced scrutiny
- Improved efficiency of risk assessment processes, streamlining operations and reducing false positives
- Reviewed customer accounts for unusual activity or patterns indicative of potential fraud risks, flagging concerns for further investigation
- Strengthened AML compliance by conducting thorough risk assessments and monitoring transactions
- Investigated fraud referrals and performed research to minimize risk and resolve inquiries
- Experienced in preparing and filing Suspicious Activity Reports (SARs) with precision and compliance. Skilled in analyzing financial transactions, identifying suspicious activities, and ensuring adherence to AML regulations. Strong attention to detail in documenting findings, collaborating with regulatory authorities, and mitigating financial risks to safeguard institutions from fraud and illicit activities.
- Experienced in handling bank affidavits with precision and compliance. Skilled in verifying, processing, and documenting affidavits to support fraud investigations and financial disputes. Adept at collaborating with customers, legal teams, and financial institutions to ensure accuracy and regulatory adherence in affidavit-related processes
Wire Fraud Analyst (contractor)
Wells Fargo
10.2021 - 05.2022
- Evaluated customer data to identify and prevent fraudulent activities
- Analyzed large amounts of data to find patterns of fraud and anomalies
- Performed risk assessments to determine level of fraud risk and prioritize investigations
- Reduced fraud losses by implementing effective fraud prevention strategies and monitoring systems
- Increased accuracy in identifying fraudulent transactions by utilizing advanced data analytics techniques and software tools
- Conducted thorough investigations on suspicious cases, ensuring timely resolution and minimizing financial impact
- Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity
- received 40-50 incoming calls from bankers who were trying to get wires approved over 100k
- Talked to wholesale (commercial clients) mangers to fast track wire transfer approvals
Mortgage Specialist
Shellpoint Mortgage Servicing
07.2020 - 09.2021
- Achieved high customer retention rate through exceptional relationship management and personalized service
- Managed high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts
- Resolved customer complaints with empathy, resulting in increased loyalty and repeat business
- Handled escalated calls efficiently, finding satisfactory resolutions for both customers and the company alike
- Responded to customer requests for products, services, and company information
- Enhanced customer satisfaction by promptly addressing concerns and providing accurate information
- Explained different types of loans pertaining to client situations.
- Worked on a dialer system and received incoming customer service calls
Mobile Check Deposit Fraud (contractor)
Wells Fargo
08.2019 - 06.2020
- Experienced in reviewing, verifying, and processing mobile check deposits with accuracy and compliance.
- Skilled in identifying fraudulent activities, mitigating risks, and ensuring adherence to bank policies and regulatory standards.
- Adept at analyzing check images, assessing endorsement validity, and detecting discrepancies to prevent financial losses.
- Strong ability to collaborate with fraud teams, enhance transaction monitoring systems, and provide customer support in resolving mobile deposit-related issues.
- Applied effective time management techniques to meet tight deadlines.
Education
High School Diploma -
Maryvale High School
Phoenix, AZ05.2005
Skills
- Financial Fraud Records
- Collaborative Research Partnerships
- Anti-Money Laundering
- Cybersecurity knowledge
- Fraud prevention
- Mail fraud
- Credit card fraud
- Report filing
- Telephone Etiquette
- Regulation E
- AML
- Financial fraud
- Debit Card Fraud
- Investigative techniques
- Subpoena delivery
Timeline
Debit Card Fraud Investigator (contractor)
Wells Fargo
03.2024 - 01.2025
Lockbox Specialist (contractor)
BMO Bank of Montreal
08.2023 - 02.2024
Fraud and Risk Analyst Clerk
Union Bank (contractor)
07.2022 - 05.2023
Wire Fraud Analyst (contractor)
Wells Fargo
10.2021 - 05.2022
Mortgage Specialist
Shellpoint Mortgage Servicing
07.2020 - 09.2021
Mobile Check Deposit Fraud (contractor)
Wells Fargo
08.2019 - 06.2020
High School Diploma -
Maryvale High School
Similar Profiles
Laxmikanth ChittampallyLaxmikanth Chittampally
Senior Operational Processor at Wells Fargo India Solution PVT Ltd, Wells FargoSenior Operational Processor at Wells Fargo India Solution PVT Ltd, Wells Fargo
Mayank OberoiMayank Oberoi
Financial Accounting Associate/ Alteryx SME at Wells Fargo International Solutions Private LTD (Wells Fargo)Financial Accounting Associate/ Alteryx SME at Wells Fargo International Solutions Private LTD (Wells Fargo)
Sravani YelamarthiSravani Yelamarthi
Sr. Java Developer at Wells FargoSr. Java Developer at Wells Fargo
SERGEY RABIKAUSERGEY RABIKAU
Personal Banker at Wells Fargo, NAPersonal Banker at Wells Fargo, NA
Katie PenaKatie Pena
Assistant Principal of Curriculum and Instruction at Pinnacle High SchoolAssistant Principal of Curriculum and Instruction at Pinnacle High School