Qingni Y.
Fraud & Credit Risk Management and Data Analytics
- Role
- Director, Fraud at Discover
- Location
- Chicago, IL, US
- LinkedIn followers
- 500 followers
About Qingni Y.
More than 10 years abundant experience in credit card and payment network industry with solid data mining skills and sophisticated business knowledge. Proficient in credit/fraud risk management and marketing through advanced analytics. Work experience includes1. First Party Fraud Risk Strategy- Leverage internal and external data in linkage strategies to terminate fraudulent accounts after booking- Work with technology in building up new infrastructure for real-time linkage rule decisioning to prevent fraudulent application from booking- Detect suspicious spending patterns to stop fraudulent monetary transactions in portfolio stage- Refer high first-party fraud risk accounts to Operation with further verifications- Develop payment hold strategies to reduce check kiting bust-out loss- Streamline Operation procedure and process to best serve business objectives and better customer experience. Payment Network Analytics- Analytics support for DFS 3 networks (Discover Network, Diners Club International, PULSE)- Merchant marketing to increase network acceptance and volume- Network pricing to drive revenue growth- Network alliance with other networks to achieve global acceptance- Network strategic initiatives with non-traditional partners- Merchant compromise detection3. Card Portfolio risk management including- Line management- Portfolio diagnostics and new initiative- Marketing eligibilities - Portfolio reportingStrong capability in building and leading a high performing team. Prominent leadership in project excellence and people development. Good sense of efficiency and effectiveness. Strong sense of ownership. Result oriented. Commitment to excellence. Accommodate to work under pressure.
Experience
Director, Fraud
Nov 2021 — Present · Chicago, IL, US
Responsible for First-party Fraud Acquisition Strategy for all Discover products including Card, Personal Loan and Deposit.
Education
Tsinghua University
Bachelor, Electronic Engineering
Tsinghua University
Master, Signal Processing
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