I am a payments fraud and risk specialist with a career spanning enterprise financial institutions and high-growth fintech and e-commerce companies. I bring deep expertise in chargeback management, fraud investigation, KYC/AML compliance, dispute resolution, and collections — backed by a J.D. from the University of Denver and certifications in Six Sigma Black Belt, PMP, and Agile Scrum Master. A few results I'm proud of:→ Reduced a merchant's chargeback rate from ~2% of transaction volume to 0.25% — an 87% improvement sustained over time→ Improved dispute win rates from 33% to 78% through representment strategy, evidence quality, and workflow redesign→ Built fraud operations infrastructure from the ground up at Toyota Financial Services, including cross-site investigation teams, fraud tracking systems, regulatory compliance frameworks, and the TFS Fraud Roundtable→ Led 120–140 person servicing operations at Capital One across multiple call center sites. My legal background gives me an edge in regulatory and compliance environments — I understand card network rules, privacy law, and AML frameworks at a level most fraud specialists don't. Open to senior fraud & risk, chargeback management, and payments compliance roles in fintech, banking, and e-commerce.