Macy Williams
Deposit Operations Ii - Sr Operations Lead Deposit Fraud & Non-fraud Research @Country Club Bank, A Division Of Fnbo
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WORK HISTORY
Deposit Operations Ii - Sr Operations Lead Deposit Fraud & Non-fraud Research @Country Club Bank, A Division Of Fnbo
Kansas City, MO, US
Key Focus: Independent Testing | Reg E Compliance | AML Escalation | Transaction Monitoring | Fraud Investigations | Disputes Lifecycle•Led independent control testing of Reg E dispute workflows (POS/ATM/P2P/wire), designing test plans, sampling (random/systematic), and evidence standards; issued formalfindings, severity ratings, and MAPs to remediate control gaps.•Performed effectiveness testing and QA/QC of Verafin alerts and case documentation; improved SAR submission timeliness by 25% and reduced documentation defects by 15%;published periodic testing reports to Deposit Ops and BSA/AML leadership.•Drafted and maintained testing methodologies and SOPs for fraud/AML and disputes case handling, including severity matrices, closure criteria, and remediation tracking dashboardsaligned to regulatory expectations.•Managed end-to-end Reg E claims (POS/ATM/P2P/ACH/wire), including evidence collection, provisional credit decisions, denial rationales, GL reconciliation, and customercommunications; ensured regulatory timelines and audit-ready documentation.•Card Disputes Lifecycle: prepared issuer evidence packages for chargebacks and representments; handled pre-arbitration and arbitration filings across Visa/Mastercard, includingbreach-of-warranty and indemnification claims.•Check & UCC: executed UCC Articles 3 & 4 breach-of-warranty claims for forged/counterfeit/altered checks; coordinated recovery with counterparties and documented chain ofcustody for evidence.•Recovered through early intervention, optimized wire/ACH/Zelle recovery protocols, and successful UCC claims.•Reduced ATM & claim resolution times by 90% by restructuring FIS dispute workflows, improving customer experience and operational efficiency.•Maintained 98%+ Reg E audit success rate; delivered subpoena-ready responses and strengthened AML workflow integration to improve SAR timeliness by 25%.
EDUCATION
Western Governors University
Master of Science, Accounting, concentration in Auditing, Financial Regulation & Compliance
Southern New Hampshire University
Associate of Sciences, Finance, concentration in Corporate Finance
Southern New Hampshire University
Bachelor of Science, Accounting & Finance, concentration in Forensic Accounting & Fraud Examination
ABOUT MACY WILLIAMS
I’m a Fraud & Risk Operations professional with 14+ years of experience helping banks and financial institutions protect clients, recover losses, and strengthen compliance programs.Over my career, I’ve worked across fraud prevention, end-to-end chargeback lifecycle, BSA/AML, and financial crime investigations, building expertise in areas like: •Chargebacks & Disputes: Visa/Mastercard/Amex, retrievals, representments, arbitration filings, and SLA oversight. •BSA/AML Compliance: Transaction monitoring, SAR prep, CTRs, OFAC/sanctions screening, KYC/CDD/EDD reviews. •Financial Crimes Investigations: Wire fraud, ACH/Zelle cases, synthetic ID, counterfeit/forged checks, UCC breach of warranty claims. •Leadership & Training: Guiding teams, developing SOPs, and improving workflows to speed resolutions and reduce losses.Some highlights include: Recovered $100K+ in fraud losses through breach claims and wire recoveries. Reduced ATM dispute resolution times by 90% by overhauling FIS workflows. Directed chargeback/arbitration processes that cut losses by 35% and sped up resolutions by 40%. Supported BSA/AML teams with SAR escalations, KYC/CDD reviews, and suspicious activity reporting. Built SOPs still used enterprise-wide, achieving 98%+ audit success across multiple years.I’m currently advancing my academic path with a Master\'s of Science Accounting with concentration in Auditing (2027), while also holding multiple professional certifications:•Certified Financial Crimes Investigator (CFCI)•Certified Cyber Crimes Investigator Economic Crime Forensic Examiner (CECFE)•Certified Cyber Crime Intelligence Analyst (3CIA)•Certified Audit & Investigations Professional (CAIP)•CMLP in progressMy goal is simple: to bring a blend of hands-on case expertise and practical leadership to roles in disputes, BSA/AML, financial crimes analysis, or fraud operations leadership. I enjoy rolling up my sleeves, handling cases directly, and mentoring colleagues while ensuring compliance and protecting both banks and customers. Open to connecting with peers, recruiters, and financial institutions—including fintech innovators—looking to advance ethical, audit-ready fraud and risk solutions.
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