ALEXANDRA HALSTEAD
Pickering,ON
Summary
Dedicated Senior Analyst with recognized experience in Fraud and Risk Management demonstrating expertise in fraud detection/prevention, regulatory risk assessment, reporting and auditing. An analytical thinker and passionate problem solver that handles complex data to understand potential impacts and develop recommendations.
Overview
11
11
years of professional experience
Work History
Risk Operations Analyst
Binance
06.2024 - Current
- Worked through number of pre-determined fraud alerts, email alerts, SMS alerts, and service requests to determine if recent account activity is of fraudulent nature.
- Prevented potential fraud by monitoring financial transactions for suspicious activity and taking appropriate action when needed.
- Based on assigned queues, reviewed accounts and determined legitimacy of account, account holder, associated risk, and made sure all appropriate restriction and/or dismissal decisions were made on each account reviewed.
- Investigated at-risk accounts to avoid or reduce platform losses, and educate Customers on how to maintain security and strive for loss prevention.
- Monitor account activity and find abnormal activities to stop any suspicious transactions in account.
- Continually monitor cases and reports to identify trends and notify management of information gleaned from that activity.
- Reviewed existing policies and procedures for alignment with current best practices in risk management, leading to necessary updates or revisions where applicable.
- Participated in industry forums and conferences to stay current on risk management trends, best practices, and emerging risks.
Senior Risk Analyst
TD Bank
01.2023 - 06.2024
- Acted as an independent 2nd Line of Defense function responsible for ensuring the Bank has an effective operational/enterprise risk management program within Bank's risk appetite.
- Developed and implemented standards, policies, and processes to identify, report and mitigate overall risk exposures within the business.
- Conducted meaningful analysis at the functional enterprise level using results to draw conclusions, make recommendations, assess effectiveness of programs/policies/practices.
- Actively managed relationships within and across various business lines, corporate and/or oversight functions and ensure alignment with enterprise and/or regulatory requirements.
- Proactively analyzed potential risks and ensure key risks are aggregated/escalated to appropriate areas.
- Provided sufficient oversight, challenge, and risk intelligence to influence business outcomes and behaviors in line with risk profile, regulatory expectations, and strategic objectives.
- Solved complex problems requiring analysis of multiple variables, including consultation with multiple stakeholders.
- Kept abreast of emerging issues, trends and evolving regulatory requirements and assess potential impacts.
- Supported business with analysis and reporting on risk issues and their impact which may include scenario analysis.
- Worked independently as the senior technical lead and guides others within area of expertise.
- Increased transparency around risk exposures by developing clear communication channels between departments.
Senior Investigator
Scotiabank
02.2021 - 09.2022
- Conducted 3-5 complex investigations per week which may require time sensitive action to recover funds and escalate cases as appropriate.
- Took necessary measures to terminate problematic customer relationships and ensuring that all administrative activities surrounding termination are completed by appropriate partners.
- Conducted investigations related to Production Orders, BCPIF, Grid alerts, and other and other referrals while applying reasonable grounds to suspect money laundering, terrorist financing and other financial crimes.
- Where necessary, filed Unusual Transaction Reports to ensure compliance with AML regulatory requirements.
- Recommended changes to existing detection rules to adjust to newly identified fraud patterns as well as developing communications to advise Stakeholders of new and emerging fraud trends.
- Identified, analyzed, and recommended changes to current departmental processes that may increase Customer Satisfaction and/or efficiencies within the department.
Senior Fraud Deterrence Analyst
Scotiabank
11.2019 - 02.2021
- Prioritized all request, expediting response times, and escalating requests to Management for resolution as necessary, based on workload.
- Built and maintained strategic relationships with Internal & External Partners to assist with Fraud risk mitigation.
- Assisted Business Lines in mitigating potential financial and/or reputational risk with Recovery efforts through established internal and external relationships/contact.
- Ensured concerns and/or notifications of unusual/fraudulent incidents are referred to applicable stakeholders for appropriate measures to be taken in order to address activity.
- Identified fraud through completions of thorough review of cases/incidents information and account history which includes up to a 90-day review for customers with known fraud concerns.
Fraud Analysis Officer
Scotiabank
06.2018 - 11.2019
- Collaborated with internal partner's to ensure facts resulting in escalation of case for investigation are well understood.
- Prepared clear and concise report including reason for investigation, brief overview of investigative findings, summary of most salient information/activity, supporting documentation for all reported findings/analyses and final recommendations.
- Thorough knowledge of regulatory compliance related to Privacy Act, Anti Money Laundering, FCAC and KYC.
- Analyzed disputed transactions to determine if transactions are true fraud versus friendly/customer fraud.
- Solicited information from a variety of sources (Branches/Security & Investigation, Chip PRM Analysis tool, customer’s previous history).
- Assessed known fraud patterns and scams.
- Reviewed drafts for irregularities to ensuring bank does not absorb losses for legitimate cardholder activity.
- Determined liability and debiting applicable branch(s) for not following procedure.
- Examined all accounts to ensure they are accurately status on all applicable systems and electronic warning bulletins.
- Responded to incoming telephone and written inquiries from customers, branches and other Bank departments to resolve inquiries related to fraud issues and/or complaints.
Disputes Officer
Scotiabank
02.2016 - 06.2018
- Understood requirements for chargeback submissions.
- Conducted analytics on chargeback wins and losses and optimize packets as needed to improve overall win rate.
- Investigated chargeback decisions and identify opportunities to improve chargeback documentation.
- Strong problem and analytical skills and exercises judgment within defined standard operating procedures to determine appropriate action.
- Completed forms and provide appropriate documentation to issuing bank, Visa.
- Analyzed accounts to determine fraud patterns and if termination is necessary.
- Researched, assigned and/or escalated disputes to internal customers.
- Performed monthly reconciliations and reporting.
- Prepared responses and conducting audits to review and escalate cases.
- Strong problem and analytical skills and exercises judgment within defined standard operating procedures to determine appropriate action.
Customer Service Officer
Scotiabank
05.2014 - 02.2016
- Acquired and maintained detailed knowledge and understanding product lines.
- Exercised discretion, within approved authority limits, in correcting problems promptly and referring customer to appropriate source as set out in the Bank's Complaint Resolution Standards and Procedures.
- Recognized and appropriately actioned opportunities for business retention and to further build customer relationship with the Bank.
- Processed customer requests (inquiries, transactions, case work) in a timely and efficient manner; and strictly adhering to schedules, thereby ensuring prompt customer service and response time.
- Accurately and effectively documented and controlled all required follow-up or escalation.
- Completed corrections and adjustments to customer accounts within authorized transaction limits.
- Maintained necessary pending files (case work) for areas of responsibility.
Education
Protection, Security & Investigation Diploma -
Georgian College
Barrie, ON09.2025
Skills
- Enterprise risk management
- Operational Reporting
- Risk Assessment
- Compliance Assessment
- Trend Analysis
- Resourceful problem-solving
- Collaborative Teamwork
- Fraud detection techniques
- Case Management
- SQL understanding
- Microsoft Office Suite
Timeline
Risk Operations Analyst
Binance
06.2024 - Current
Senior Risk Analyst
TD Bank
01.2023 - 06.2024
Senior Investigator
Scotiabank
02.2021 - 09.2022
Senior Fraud Deterrence Analyst
Scotiabank
11.2019 - 02.2021
Fraud Analysis Officer
Scotiabank
06.2018 - 11.2019
Disputes Officer
Scotiabank
02.2016 - 06.2018
Customer Service Officer
Scotiabank
05.2014 - 02.2016
Protection, Security & Investigation Diploma -
Georgian College
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