Roberta Tatiana Cardoso Carrer
Maidenhead
Summary
Professional with a strong focus on excellence, planning, and management, in addition to being an enthusiast of innovation and digital solutions. Specialist in the fraud prevention and detection field, with expertise in means of payments and knowledge of the entire lifecycle of fraud and the ecosystem of payment operations. My differential is in the strategic vision and the ability to respond quickly to challenges. Decision-making profile and potent analytical and technical rigor to anticipate risks and issues and define mitigation plans and actions.
Career developed and consolidated in corporate governance and compliance areas, with over twenty years of experience in fraud prevention, risk management, and money laundering strategies development and implementation. Acting in large banks, fintech, and renowned financial institutions in Brazil, occupying management and leadership positions in projects of high complexity and dimension, always with expressive results in terms of efficiency in internal controls and processes, security in financial operations, management of data, and business sustainability. Experience in conducting fraud prevention projects in credit cards, means of payment, and banking products, with extensive knowledge of Flags rules and trends in national and international markets. Management of anti-fraud projects and processes, preventing damage to the market and enabling corrective actions to mitigate fraud and minimize risks and ineffective practices with financial impacts. Product Owner in fraud and money laundering prevention projects, with extensive interface and communication with the engineering and technology areas, in new solutions development and implementation. Extensive experience in applying agile/SCRUM models and methodologies, operational processes maintenance and updating to optimize results management, and planning strategies for security and corporate governance. Identification, assessment, monitoring, testing of controls, risk mapping, and risk mitigation (corporate, operational, financial, and compliance), indicating points of weakness, cause, and consequence and improvements and corrections proposal. High sense of urgency, resolving capacity, sense of responsibility, positive attitude, and leadership to mobilize and engage multidisciplinary teams and to lead projects and change processes.
Overview
23
23
years of professional experience
1
1
Certification
Work History
LATAM Fraud Prevention Coordinator
Superdigital
09.2020 - 02.2021
- Participation in the construction of Fraud Prevention and Money Laundering strategies for Brazil (headquarter) and Latin American countries (Argentina, Chile, Uruguay, Paraguay, and Mexico).
- Participation in multidisciplinary teams in the definition of new fraud and money laundering prevention solutions, as well as follow-up with the Squads for solution implementation.
- Support in structuring the operation to prevent internal and third-party fraud, focusing on Onboarding, transactional monitoring of checking accounts and cards, and non-recognition of transactions (Exchange).
- Responsible for restructuring processes, procedures, and operational flows.
- Definition of KPIs in conjunction with the BI area to monitor fraud performance to feedback on onboarding strategies and monitoring of credit card, current account, and personal credit card transactions.
- Participation in money laundering committees.
- Santander Bank Fintech.
CFraud prevention coordinator
Banco Pan
06.2019 - 09.2020
- Management of operating results - monitoring of operating results, analysis and control of the team's service levels, as maintenance of work standards and processes (Productivity, Quality, SLA, Customer Service, Legal, Audit, Internal Controls).
- Management of suppliers (FIS and Atento) for Fraud Prevention processes and strategies.
- Active participation in the definition and monitoring of projects related to the risk and fraud prevention area (Integration of the Anti-Fraud System, Implementation of new means of payment, and releases of the Mastercard and VISA brands.
- Participation in the Business case for the purchase of the Falcon tool (FICO), with the responsibility of monitoring the Kickoff of the solution with the multidisciplinary teams.
- Restructuring with the FIS processor (Fidelity) of fraud prevention processes and creation of a robust dashboard to improve the performance of strategies and operations.
- Financial institution controlled by Banco BTG Pactual.
Specialist in Fraud Prevention projects and processes
Itaú-Unibanco
07.2016 - 05.2019
- PO (Product Owner) in the Fraud and Money Laundering Prevention Community, using the Agile/Scrum methodology.
- Analysis of the needs of the business areas (Channels, Products, and Frauds), defining the best solution, prioritization, and execution.
- Mapping fraud needs, seeking the most appropriate solution along with the business and technology areas.
- Follow-up and reports on solutions and projects.
- Analysis of Flag bulletins (VISA and Mastercard) in identifying impacts relevant to fraud areas.
- Management of demand backlog control routines and monitoring of fraud KPIs.
- Highlight the Implementation of Wallet Apple Pay and payment by Contacless.
- The Largest private bank in Brazil, the most considerable financial conglomerate in the southern hemisphere.
Specialist - Risk and Fraud Control Area
Redecard
02.2009 - 06.2016
- Responsible for mapping, reviewing and analyzing processes in the fraud control area, focused on measuring the impacts and exposure to risks related to the problems encountered and implementing a risk mitigation plan for existing operations.
- Management of fraud/chargeback KPIs for establishments to identify improvements and propose an action plan, if necessary.
- Monitoring of the KPI of the establishments regarding the Compliance Programs of the Flags, interface with the establishments to identify problems/failures, suggestions for improvements, and mitigation of fines.
- Responsible for analyzing Mastercard and VISA Brand Bulletins and Manuals, focusing on identifying impacts and implementation according to the release date.
- Daily monitoring of fraud indicators for issuers and merchants to identify gaps and correct them along with the Strategy area.
- Participation in Kick-offs for Redecard's new product projects to assess fraud risks and suggest mitigation solutions.
- Working with the IT team to typify fraud projects, planning for execution, and possible implementation actions.
- Rede Itaú - Company belonging to Itaú Unibanco - 3rd. largest payment acquirer in Brazil.
Fraud Prevention Consultant
CPQD
09.2008 - 02.2009
- Management of the Falcon system use (performance, availability, impacts on the Call Center, among others).
- Evaluation of the performance of the authorization system, creation of cases, and queues of fraud rules of the Falcon System.
- Implementation and change of Falcon fraud rules created by the Intelligence and Investigation Cell.
- Analysis and diagnosis of fraud market trends and new threats.
- Negotiations and dealings with the areas involved to create and adjust anti-fraud policies and strategies based on identified trends and threats.
- Evaluation of reports, estimating losses and risks and communicating them to the areas involved.
- Assessment, monitoring of incidents, and solutions suggestions to reduce impacts with establishments characterized as Points of Compromise (POCs).
- Negotiation for the implementation of new features within the Projects area.
- Telecommunications Research and Development Center.
Advisor Group Compliance Analyst
Banco Abn Amro Real
04.2006 - 05.2008
- Acting at Group Security (Regional Security Office LATAM) in fraud investigations, cases of money laundering, suspected moral/sexual harassment, incidents, and breaches of compliance.
- Support in the Group Security creation at BU LATAM, development routines for analysis, phenomena, and trends, and reports prepared with an analysis of trends and risks.
- Participation representing the area in the Bank's Weekly Fraud and Money Laundering Committee.
- International project in the global area of Group Security at the Head Office of ABN AMRO Bank in Amsterdam (Apr.-Jun.2006).
- One of the three largest banks in the Netherlands.
Planning and Full Development Analyst
04.2004 - 01.2006
Fraud Analyst
11.1997 - 11.2002
Education
MBA - Sustainable Business Management
Fundação Getúlio Vargas (FGV)
01.2009
Bachelor of Business Administration - undefined
Fundação Instituto de Osasco (FIEO)
01.2001
Upper intermediate (Level 1)
Windsor College
Skills
- Agile Methodology /Scrum
- Learn Six Sigma/ Green Belt
- Mastercard Security Rules e Risk Management
- Visa Risk Management
- Falcon Case Manager - Falcon Fraud Manager - Decision Planning Guide
- Vision Analyst Notebook
Certification
- Agile Methodology /Scrum
- Learn Six Sigma/ Green Belt
- Mastercard Security Rules e Risk Management
- Visa Risk Management
- Falcon Case Manager - Falcon Fraud Manager - Decision Planning Guide
- Vision Analyst Notebook
Languages
Portuguese
Spanish
English
Timeline
LATAM Fraud Prevention Coordinator
Superdigital
09.2020 - 02.2021
CFraud prevention coordinator
Banco Pan
06.2019 - 09.2020
Specialist in Fraud Prevention projects and processes
Itaú-Unibanco
07.2016 - 05.2019
Specialist - Risk and Fraud Control Area
Redecard
02.2009 - 06.2016
Fraud Prevention Consultant
CPQD
09.2008 - 02.2009
Advisor Group Compliance Analyst
Banco Abn Amro Real
04.2006 - 05.2008
Planning and Full Development Analyst
04.2004 - 01.2006
Fraud Analyst
11.1997 - 11.2002
MBA - Sustainable Business Management
Fundação Getúlio Vargas (FGV)
Bachelor of Business Administration - undefined
Fundação Instituto de Osasco (FIEO)
Upper intermediate (Level 1)
Windsor College