GINGER BERGMAN
923 Stonewood Drive | Brentwood, CA 94513 | C: [Send email to request phone number] 08.0216 | H: [Send email to request phone number] 13.3364 |
RISK MANAGEMENT AND OPERATIONS EXECUTIVE
Global Strategy Development | Risk Assessment & Remediation | Operations
Excellence
Results-driven and highly effective operations and risk management professional
with expertise in the payment card, banking, and retail industries. Over 20 years
of diverse experience in directing business-critical operations, compliance and
risk management teams. Track record of successfully identifying emerging trends
and cultivating enhancements to augment corporate level policies and procedures.
Reputation for consistently delivering on-time superior results, leading to
increased efficiencies, productivity, and profitability. Regarded for the ability
to competently review and analyze data, and maintain compliance in an
ever-changing environment. Notable track record in project and global
cross-functional team management.
? Strategic Planning ? Cross-Functional Relationships
? Project and Budget Management ? Negotiation and Problem Solving
? Operational and Process Improvements ? Policies, Procedures and Best Practice
Definition
? Team Building and Leadership
PROFESSIONAL EXPERIENCE
VISA, INC., Foster City, CA
Senior Business Leader (2001 * 2010)
Served as driving force behind management of acquirer risk and compliance
programs, global strategy development; operational risk assessments and
optimization; fraud and chargeback tool planning, implementation and trend
analysis for the world’s largest retail electronic payment network. Accountable
for $3.5 million annual budget with less than 5% variance. Managed and guided the
career development of 5 director-level team members.
* Led cross-functional global team that developed the long-term, next
generation, global authentication strategy for Visa. The strategy incorporated
tactics and technologies to reduce fraud and the compromise of confidential
consumer and bankcard data.
* Streamlined operational efficiencies through initiation and implementation
of a fraud strategy plan and implementation of fraud and chargeback performance
monitoring tools, resulting in expedited identification and resolution of issues
as well as reduced losses. Entire project, including system integration, was
completed on time and within budget.
* Spearheaded multi-phase project designed to improve agent oversight,
resulting in the early identification 4 potential bank failures and the
mitigation of over $ 5million in potential losses.
* Developed thorough and accurate global fraud and payment system risk
reporting which lead to the proactive identification of emerging trends and
implementation of risk mitigation actions. This project included development of
common global business metrics and business requirements leading to the
successful replacement of a legacy fraud reporting tool.
* Authored standards guides and compliance processes, policies and procedures
to address business, legal and / or regulatory issues in the areas of acquirer
risk, data security and prepaid issuer risk programs.
BANK OF AMERICA, San Francisco, CA
Assistant Vice President, Merchant Services & Card Services (1997-2001)
Leveraged outstanding leadership skills to deliver risk management and
compliance monitoring to the entire merchant portfolio of the Unite States’
largest financial institution. Managed a team of 6 risk analysts responsible for
detecting emerging trends, preventing compliance issues, and suggesting
corrective action resolutions. Played integral role in reviewing and underwriting
existing merchants. Redesigned existing fraud processes and procedures, and
significantly reduced resource requirements while improving operations.
* Identified over $10 million in fraud losses. Led investigation of organized
crime counterfeit rings in Northern California, and assisted in the prosecution
of multiple suspects.
* Conducted analysis of trends across bank’s vast portfolio of credit and
debit products leading to the proposal rule sets and frameworks that successfully
reduced fraud without negatively impacting sales.
* Served as risk SME at industry meetings, professional organization events,
and during legal proceedings
* Awarded certificate of appreciation for outstanding contribution by United
States Postal Inspection Service (2001) for investigative assistance of postal
theft fraud ring.
D.W. SMOTHERS ASSOCIATES, Castro Valley, CA
Assistant General Manager (1995-1997)
Directed incoming case flow for small private firm that specialized in
background checks and the investigation of internal theft and worker’s
compensation claims. Assigned cases, reviewed reports for policy compliance prior
to client distribution. Identified process and business improvement opportunities
to generate revenue and increase profits. Developed company policies and
procedures manual, as well as standardized template and report formatting.
SEARS, ROEBUCK AND CO., Newark, CA
Loss Prevention Manager (1987 * 1994)
Managed analysis of daily accounting activity, internal audit, and senior
management reporting. Oversaw detection, investigation, and resolution of
internal and external theft. Supervised staff of 7. Trained new hires on fraud
and loss prevention techniques. Charged with employee defalcation interviews, and
represented company at civil and criminal court proceedings.
EDUCATION AND PROFESSIONAL AFFILIATIONS
ST. MARY’S COLLEGE OF CALIFORNIA * Master of Business Administration (MBA),
Moraga, CA
UNIVERSITY OF PHOENIX * Bachelor of Business Management (BBM), Walnut Creek,
CA
Additional Information
* Member, International Association of Financial Crimes Investigation; Past
president, Northern California chapter; Past member, Board of Directors
* Visa Inc. publications: “Acquirer Risk Program Standards Guide, * 2004;
“Prepaid Issuer Risk Program Standards Guide, * 2007
* Featured speaker, Electronic Transaction Association Compliance Day events,
multiple years
* Technical inventory: Microsoft Office Suite, Microstrategy, proprietary data
mining software
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