Michael G.

Associate Partner

Charlotte16 yrs 3 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

14+ years managing fraud and credit risk strategies.
Expert in ACH Risk and Digital Fraud solutions.
Successfully launched multiple card products across regions.

Stackforce AI infers this person is a Fintech expert specializing in fraud and credit risk management.

Contact

Skills

Core Skills

Fraud Risk ManagementCredit Risk ManagementProduct ManagementRisk Management

Other Skills

ACH RiskACH RisksAccount TakeoverAnalysisAnalytical SkillsAnalyticsAuthentication StrategiesBusiness StrategyConsultingConsumer LendingCredit RiskData AnalysisData ConversionDebit Card ManagementDigital Strategy

About

Risk leader with 14+ years of experience managing fraud risk and credit risk first-line of defense strategies within banks and fintechs. - Fraud Risk: Fraud Card Transactions, Fraud Application / Stolen Identity, Account Takeover, P2P / Wallet Fraud - Credit Risk: ACH / Bustout, New Card / Loan Underwriting, Credit Limit Strategy, Overlimit Spend, Collections Product management experience in numerous card / loan product launches and conversions, specializing in risk strategy requirements. Industry subject matter expert in ACH Risk, Card Authorizations, and Digital / Identity Fraud solutions. Recent Speaking Events: - ePay Connect, 3/7/22, Orlando, FL "Future of Authentication for eCommerce: Card vs Bank" - MRC Friendly Fraud Summit, 11/9/21, "Friendly Fraud is a Growing Problem for All, Not Just Digital" - ePay Connect, 3/4/20, Orlando, FL “20/20 Vision: Seeing Fraud Clearly Before It Happens” - Payments Summit, 2/25/20, Salt Lake City, UT “How Mobile Checkout Has Changed" Team leader passionate about people development and designing a stable / scalable strategy framework with robust monitoring / alerting.

Experience

Sofi

Senior Director of Fraud Risk Strategy (Bank/Card)

Oct 2022 – Present · 3 yrs 5 mos · Charlotte, North Carolina, United States

Manage a fraud strategy team responsible for existing customer management within SoFi's Financial Services Products (Credit Card, Bank Checking/Savings, Invest).
Responsible for the following first line strategies: Card Transaction Fraud, Credit Card Overlimit/ACH Bustout, P2P Fraud, Account Takeover, ACH and Check Deposit Risks, Force Posts, Overdraft, Dispute Abuse

Fraud RiskCredit RiskFraud Card TransactionsAccount TakeoverP2P FraudACH Risks+2

Mrc | merchant risk council

Card Issuer Risk Committee Member

Nov 2019 – Present · 6 yrs 4 mos · Seattle, Washington, United States

Advisor to help top merchants collaborate with card issuers to help tackle risk pain points and reduce industry losses.

Paypal

Senior Manager, Card Risk Management

Sep 2018 – Oct 2022 · 4 yrs 1 mo · San Francisco Bay Area

Lead team of risk managers and analysts responsible for all fraud risk and credit risk strategy / losses for PayPal issued debit cards, virtual cards.
Launched 11 new PayPal merchant debit cards across Europe, and PayPal Key (Virtual Card) in the US, while successfully controlling early user credit and fraud losses.
Reduced net credit and fraud loss by over 50% on consumer debit card portfolio with enhanced strategy framework, while continuing to grow revenues and spend at record levels.
Optimized ACH / external card credit risk rules on PayPal debit card transactions when balance is unavailable.

Fraud RiskCredit RiskACH RiskDebit Card ManagementFraud Risk ManagementCredit Risk Management

Nacha

Risk Management Advisory Group Member

Dec 2017 – Sep 2018 · 9 mos · Washington D.C. Metro Area

Advised NACHA to help drive significant ACH rule changes that mitigated risk for all ACH network stakeholders.
Unauth ACH Debit return timeframes and new return reason code classifications

First hawaiian bank

Vice President, Card Risk Management

Jun 2016 – Sep 2018 · 2 yrs 3 mos · Hawaiian Islands

Led team of risk analysts responsible for all credit risk and fraud risk losses for First Hawaiian Bank’s debit / credit cards.
Launched innovative over-limit risk approval strategy, adding ~$20M per month in new spend with minimal loss.
Redesigned and launched new compromised card fraud transaction strategy, saving ~$2M in risk losses per year.
Selected by CEO/Board for the Advanced Leaders program inaugural class, which invested in leadership training.

American express

3 roles

Director, New Product Development & Global Collections & Global ACH Risk Management

Promoted

Apr 2015 – Jun 2016 · 1 yr 2 mos

Led primary business team that developed MVP core business requirements and successfully launched ‘American Express Personal Loans’, a new consumer installment lending product and business line.
Launched innovative global ACH risk framework for Credit Card payments, that greatly reduced over-limit losses.

Product DevelopmentRisk ManagementACH RiskProduct Management

Senior Manager, U.S. Payments Risk Management

Jun 2014 – Apr 2015 · 10 mos

Optimized U.S. Card payment hold strategy which increased profitability and reduced impacted cardmembers.
Defined derogatory returned payments and subsequently optimized returned payment authorization strategies.
Identified gaps in payment representment strategy and expanded treatment to new cardmember segments.

Manager, U.S. Payments Risk Management

Jun 2012 – Jun 2014 · 2 yrs

Optimized U.S. Card payment hold strategy which increased profitability and reduced impacted cardmembers.
Defined derogatory returned payments and subsequently optimized returned payment authorization strategies.
Identified gaps in payment representment strategy and expanded treatment to new cardmember segments.

Capital one

Business Strategy Analyst, Payment Fraud Risk

Jan 2010 – Jun 2012 · 2 yrs 5 mos · Richmond, Virginia Area

Implemented authorization and payment strategies to combat rising credit card and secured card bustout fraud.
Evaluated and implemented Early Warning Services (EWS) fraud solutions which reduced ACH bustout losses.
Developed new fraud operations authentication strategies which reduced operational fraud losses.

Citi

Summer Analyst, Investment Banking Division

Jun 2009 – Aug 2009 · 2 mos · Greater New York City Area

Equity Capital Markets
Medidata Solutions - $101 million Initial Public Offering - 06/24/09
Conducted post mortem review of IPO analyzing the effectiveness of the roadshow and investor demand.
Intel Corporation - $2 billion Convertible Debt Offering - 07/21/09
Developed cost of capital graph for Intel under different convertible bond structures.

Fraud RiskPayment StrategiesAuthentication StrategiesFraud Risk Management