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Karolina Wieteska
Fraud And Credit Risk Specialist
Ashbourne,Co. Meath
Summary
Experienced risk analyst with strong fraud risk and credit risk skillset, history in buyer fraud, seller fraud and merchant risk monitoring and loss mitigation areas within financial online payment environment. Proven track of Fraud Prevention education with UCD Dublin and number of years of expertise within the risk industry.
Overview
2
2
Languages
10
10
years of post-secondary education
17
17
years of professional experience
Work History
MERCHANT RISK CONSULTING SPECIALIST
PayPal
Dublin, Ireland
07.2019 - Current
- Holistic reviews by assessing and analyzing 4 pillars: identity, intent, business model and financial stability of merchants in Business Seller segment
- Balanced approach of risk assessment and merchant experience with in-depth understanding of merchant’s business to provide proactive education while balancing and mitigating potential company loss and merchant revenue growth
- Monitoring accounts for indications of risk assessment with merchant growth potential
- Multitasking of tasks range: fraud and credit risk queue leads, appeals, internal escalations and merchants’ emails; dismissing or limiting decisions, placing and managing reserves and collaterals
- Identifying and reporting fraud trends and any suspicious activity detected in accounts
- Assessing credit risk by analyzing financial stability, credit reports, company house data, KYB documents and any other relevant business information to understand credit stability
- Delivering coaching sessions, side by sides and mentoring
- Serving as credible partner making sound decisions
- Managing Wellness and Engagement Team and contributing to team wellbeing, driving sense of belonging and one-team spirit, organizing and conducting internal engagement activities serving to boost morale and holistic wellbeing
- Meeting and exceeding departmental KPIs and targets ensuring high level of quality and expertise of work
SENIOR SPECIALIST: FRAUD and CUSTOMER SERVICE
PayPal
Dublin, Ireland
04.2013 - 06.2019
- Conducted review and investigation of internal fraud escalations ensuring all departmental policies, procedures, securities and quality guidelines were maintained
- Responded to internal escalations and provided fraud expertise
- Applied strong knowledge and extensive fraud experience in daily tasks under minimal supervision and guidance while practicing own judgement, making logical decisions under unclear circumstances with attention to details and often resolving complex issues and managing confidential information
- Handled multiple tasks in fast-paced environment ensuring high productivity and efficiency in order to leverage departmental SLAs and meet tight deadlines
- Supported the internal mentoring team in coaching to the business
- Provided support for Leadership, completed any ad-hoc and off-line requests, task delegations and prioritization requests
- Completed a full upskill to ICA Customer Service skillset and became dual-skillset ICA Specialist actively resolving escalations in both areas simultaneously
- As an internal Task Scheduling team member coordinated and managed daily tasks and controlled SLAs and incoming volumes, reported, forecasted and adjusted workload
- Completed side-by-side and shadowing sessions for shareholders and peers; supported internship programs
- Protected and promoted departmental brand by representing it in the best manner during meetings, coaching sessions, mentoring
FRAUD PREVENTION AGENT
PayPal
Dublin, Ireland
06.2008 - 03.2013
- Reviewed accounts via buyer and seller fraud leads, determined the legitimacy of the account and the holder, the associated risk and made sure all appropriate restriction or dismissal decisions were made
- Contacted account holders to verify activity and mitigate losses (spoof, collusion, buyer abuse, seller fraud, stolen ID, stolen financial, AML, high ASP and others)
- Monitored cases and reports to identify trends and notify management of MOs
- Resolved wide range of internal Account Review escalations and stolen credit card and bank account claims, conducted gambling reviews within internal Offline Team
- Worked both buyer and seller limitations appeals (review of account activity, documentation supplied by customers in order to determine its legitimacy and took sound decisions)
RECEPTIONIST and SALES ADVISOR
The Ben Dunne Fitness Group
Dublin, Ireland
07.2007 - 12.2009
RESTAURANT SUPERVISOR
Cassidy’s Hotel
Dublin, Ireland
09.2005 - 06.2007
TOUR LEADER and REP ASSISTANT
Sun&Fun Holidays Warsaw
Monastir , Tunisia
06.2004 - 09.2004
Education
Professional Certificate in Fraud Prevention
The Institute of Bankers in Ireland, UCD
Dublin 01.2011 - 12.2011
No Degree - FCE First Certificate in English
University of Cambridge ESOL Examinations
England 01.2010 - 12.2010
M.D. - Tourism And Recreation Studies
Academy of Physical Education
Warsaw, PL 09.2003 - 06.2005
Bachelor's - Tourism And Recreation Studies
Academy of Physical Education
Warsaw, PL 09.2000 - 06.2003
Leaving Cert - Expanded English Program
Konopnicka Secondary Comprehensive School
Radom PL 09.1996 - 06.2000
Skills
Credit Risk and Loss Mitigation
Buyer and Seller Fraud Risk
Spoof, ATO, Collusion
Stolen Financials and Stolen ID
Gambling
Compliance, AML, KYB-KYC, SAR
Customer Service
Chargebacks and Claims
Wellness and employee engagement experience
Service skills: customer focus, approachability, self-drive for results, excellent communication and interpersonal skills, detail oriented, risk management and analytical skills, composure, ability to adapt and work independently and multitask, fast and efficient learner, prioritization and organization skills, highly engaged and committed
Microsoft Office, Act by Sage, Internet Browsers, Garda Vetted
Accomplishments
- Internal promotions during focal reviews
- Multiple Spot Awards for work on projects and wellness
- Assisted leadership and led several internal incentives in order to drive motivation and improve departmental results
- Internal Task Scheduling team member for ICA Fraud EMEA involving task revision and delegation, SLs and headcount analysis, proposals of solutions
- Completed multiple internal projects, i.e. Concurrence Process Revision for MRC, new MRC tools testing and piloting the usage, Project Enhance for Employee Assist Line and Volume Abatement for ICA, Escalation Guidelines for ICA
- Wellness Team Member and activities coordinator during pandemic and WHF environment
- Upskill to ICA Customer Service and Compliance including Billing Disputes
- Internal coaching and courses such as Effortless Experience, QBBC (Quality Based Behavioral Coaching), Train The Mentor
- Mentoring, coaching and projects work recognition and positive feedback
- Several internal recognition tokens from the business for the support on Peer and Leadership level
- Reached or exceeded all set targets throughout entire employment time
Interests
Timeline
MERCHANT RISK CONSULTING SPECIALIST
PayPal
07.2019 - Current
SENIOR SPECIALIST: FRAUD and CUSTOMER SERVICE
PayPal
04.2013 - 06.2019
Professional Certificate in Fraud Prevention
The Institute of Bankers in Ireland, UCD
01.2011 - 12.2011
No Degree - FCE First Certificate in English
University of Cambridge ESOL Examinations
01.2010 - 12.2010
FRAUD PREVENTION AGENT
PayPal
06.2008 - 03.2013
RECEPTIONIST and SALES ADVISOR
The Ben Dunne Fitness Group
07.2007 - 12.2009
RESTAURANT SUPERVISOR
Cassidy’s Hotel
09.2005 - 06.2007
TOUR LEADER and REP ASSISTANT
Sun&Fun Holidays Warsaw
06.2004 - 09.2004
M.D. - Tourism And Recreation Studies
Academy of Physical Education
09.2003 - 06.2005
Bachelor's - Tourism And Recreation Studies
Academy of Physical Education
09.2000 - 06.2003
Leaving Cert - Expanded English Program
Konopnicka Secondary Comprehensive School
09.1996 - 06.2000