Mohammad Zaman

About Mohammad Zaman

Credit Risk Leader with 12+ years of experience in consumer and commercial credit cards, merchant acquiring, and fintech partnerships. Proven ability to scale credit organizations, design data-driven underwriting strategies, and lead cross-functional teams delivering measurable growth while maintaining strong risk controls. Adept at partnering with product, technology, and regulators to launch modern credit solutions and drive sustainable growth.

Experience

1. Vice President - Merchant Services Risk Transformation

   Wells Fargo

   Jan 2023 — Present · Dallas, TX, US

   In my role as Vice President of Merchant Services at Wells Fargo, I lead the modernization of our merchant underwriting and risk monitoring capabilities by developing advanced underwriting models, a pre-approval framework, early risk monitoring and comprehensive fraud detection systems. My focus is on improving the customer experience and strengthening risk management for Commercial and Corporate Investment Banking clients.Key Accomplishments - Developed advanced machine learning models, replacing FICO-based underwriting to boost accuracy and increase merchant approvals- Implemented Early Monitoring Model to detect and mitigate first-90-day fraud, projecting $200K–$300K in annual savings- Worked on developing an enterprise negative list, reducing fraudulent approvals by over 95% and improving operational efficiency by 30%- Currently building a pre-approval framework to expedite merchant onboarding for qualified Wells Fargo customers- Established a strategic pre-approval framework for Wells Fargo corporate clients, accelerating onboarding timelines, improving client experience, and contributing to CIB relationship expansion.

Education

• Motilal Nehru National Institute Of Technology

  Bachelor of Technology (B.Tech.), Mechanical Engineering

  2009 — 2013

• University of Michigan College of Engineering

  Master’s Degree, Industrial and Operations Engineering

  2016 — 2017

• International Indian School, Jeddah

  High School

  1999 — 2009

Skills

• Machine Learning
• Big Data
• Data Visualization
• Team Leadership
• Team Management
• Autocad
• Big Data Analytics
• Lean Manufacturing
• Data Mining
• Opl
• Leadership
• Green Belt
• Process Simulation
• C++
• Supply Chain Management
• Minitab
• Constraint Programming
• Operations Research
• Cplex
• Promodel
• Management
• Team Building
• Latex
• Analytical Skills
• Microsoft Office
• Data Analysis
• Six Sigma
• Project Management
• Microsoft Excel
• Powerpoint
• Supply Chain Optimization
• Ampl
• Operations Management
• Matlab
• Project Planning
• Microsoft Project
• Mathematical Modeling
• C
• Optimization