Richard Torres
Goodyear
Summary
Senior management professional, bringing strategic leadership and operational excellence to drive organizational success. Skilled in project management, team collaboration, and process optimization with keen focus on achieving results. Adept at navigating complex challenges, fostering culture of accountability, and adapting to evolving business needs. Known for strong decision-making, effective communication, and building high-performing teams.
Founder and Director of the largest all-girls youth basketball program west of Phoenix, combining leadership, mentorship, and community impact.
Overview
14
14
years of professional experience
Work History
Founder & Director
Lockdown Basketball (Girls Club Program)
02.2022 - Current
- Led a competitive youth basketball program serving 40+ girls.
- Manage a team of coaches, coordinators, and strength trainers focused on skill and personal development.
- Operate the largest all-girls basketball program west of Phoenix.
Senior Manager – Fraud/Dispute Chargebacks
Target Corporation
02.2021 - 11.2025
- Led high-impact platform migration from TSYS to Fiserv, overseeing compliance, regulatory, audit, and technology workstreams; implemented robust controls to ensure operational readiness, and risk mitigation.
- Managed six exempt leaders and indirectly supported ninety team members across dispute, chargeback, and fraud operations.
- Implemented and optimized KPIs for fraud, dispute, and chargeback processes, driving measurable improvements in service and compliance.
- Mitigated fraud losses by leveraging data trends and strengthening partnerships with fraud prevention teams.
Senior Analyst BPO – RedCard Guest Service
Target Corporation
03.2017 - 11.2021
- Managed two international vendors (125–225+ FTE); primary contact for operations and support.
- Oversaw vendor KPIs, strategy alignment, staffing, and an $18M annual budget.
- Provided contract oversight, establishment of penalties, KPIs, and quality.
Manager – Retail Services
Target Corporation
01.2016 - 03.2017
- Led 16 agents who supported 150 to 450 seasonal team members.
- Directed hiring, training, and innovation to improve the guest experience.
Project Manager – Chargebacks/Fraud/Audit
Target Corporation
01.2015 - 01.2016
- Supported a 160-person contact center in fraud and dispute operations.
- Led cross-functional projects, ensuring compliance and timely execution.
- Provided audit documentation requested by CFPB, BBB, internal audit (TD Bank)
Manager – Disputes/Chargebacks-Visa/MasterCard
Target Corporation
01.2012 - 04.2015
- Directed a team of 30 team members within the fraud/dispute resolution space; ensured KPIs were met, conducted weekly one-on-ones, provided project input, and ensured regulatory compliance timing was met.
- Transition the Chargeback program from Visa to Mastercard.
- Key contributor to Target's transition to EMV.
- Helped lead the response during the 2013 data breach affecting over 110 million guests; maintained team engagement, and scaled support.
Education
GED -
Phoenix College
Phoenix, AZ01.2006
Skills
- Regulatory & Compliance Knowledge
- Leadership & Cross-Functional Collaboration
- Proven ability to lead and develop high-performing teams
- Strong communication and conflict resolution skills
- Chargeback resolution
- Vendor management
- Operational strategy
- Performance metrics, Process optimization
Timeline
Founder & Director
Lockdown Basketball (Girls Club Program)
02.2022 - Current
Senior Manager – Fraud/Dispute Chargebacks
Target Corporation
02.2021 - 11.2025
Senior Analyst BPO – RedCard Guest Service
Target Corporation
03.2017 - 11.2021
Manager – Retail Services
Target Corporation
01.2016 - 03.2017
Project Manager – Chargebacks/Fraud/Audit
Target Corporation
01.2015 - 01.2016
Manager – Disputes/Chargebacks-Visa/MasterCard
Target Corporation
01.2012 - 04.2015
GED -
Phoenix College