Christine Kempken

Christine Kempken 📞--Everett, WA 98208 PROFESSIONAL SUMMARY Seasoned Card Operations Manager with 20 years of expertise in card operations, payments, and the fintech/banking industry. Adept at optimizing transaction workflows, ensuring regulatory compliance, and driving operational efficiencies. Proven ability to analyze financial data, mitigate fraud risks, and enhance payment processing systems to support business growth. A strategic thinker with a keen eye for detail, committed to delivering seamless payment experiences while strengthening security and compliance frameworks. ENHANCED SKILLS Financial Analysis & Reconciliation Fraud Prevention & Compliance (AML, BSA, KYC, CIP, SAR) Administrative Support, Customer Service & Office Management Electronic Funds Transfer (EFT) & Wire Processing Developed and maintained compliance policies and procedures in accordance with PCI DSS, NACHA, Visa, and Mastercard guidelines High-Volume Data Entry & Record Keeping Microsoft Office Suite & Digital Communication Tools Process Improvement & Documentation Strong Written & Verbal Communication Spearheaded compliance initiatives, collaborating with IT teams to enhance security measures per PCI DSS and NACHA regulations PROFESSIONAL EXPERIENCE Administrative Assistant (Remote) TNT Construction – La Quinta, CA 05/2024 – Present Manage scheduling, file organization, data entry, and creation of proposals and invoices Maintain accurate records and streamline day-to-day operations, enhancing overall efficiency Third Party Account Processor (Remote) US Bank – Palm Desert, CA 11/2017 – 05/2024 Processed and reconciled EFT Clearing Accounts and cash orders Researched and resolved processor file issues to maintain accuracy Led the meticulous documentation of compliance protocols and transaction records, directly reducing audit discrepancies by 30% and strengthening regulatory adherence across operations Approved high volume wires and ACH transactions; generated discrepancy analyses Compliance, Fraud, and Risk Manager (Remote) Catalina Card Services – Newport Beach, CA 07/2014 – 02/2017 Conducted periodic internal monitoring and audits to evaluate the effectiveness of risk mitigation controls Developed and maintained fraud detection strategies aligned with AML, BSA, KYC, CIP, and SAR requirements Collaborated with IT and development teams to ensure systems complied with PCI DSS, NACHA, Visa, and Mastercard regulations Facilitated external regulatory, ACH, and card network audits; guided remediation and process improvements Performed risk analysis, drafted compliance policies and procedures to ensure adherence to applicable laws, rules, and standards Monitored emerging technologies and regulatory changes to enhance fraud prevention and compliance programs Various Roles: Senior Legal Processor, Prepaid Card Fraud Manager, GL Reconciler Pacific Western Bank (Formerly First California Bank and Palm Desert National Bank) Palm Desert & Carlsbad, CA | 07/2003 – 07/2014 Processed subpoenas, legal orders, and account documentation requests from law enforcement and attorneys Performed daily general ledger reconciliations to ensure financial accuracy and reporting integrity Resolved discrepancies between systems and bank statements through root cause analysis Supported month-end and year-end close processes with timely and accurate reporting Credit Processor Financial Pacific Leasing Federal Way, WA | 06/2001 – 07/2003 Evaluated applicant credit profiles by examining credit history, income verification, and financial statements to ensure compliance with underwriting standards Assessed credit risk by analyzing applicant credit reports from Experian, Equifax, and TransUnion Interpreted financial statements and supporting documentation to determine overall creditworthiness Evaluated debt-to-income ratios and verified collateral/assets to support accurate underwriting decisions Reviewed and organized loan documentation in compliance with internal policies and regulatory requirements Collaborated with underwriting team to ensure timely and accurate credit approvals Maintained detailed records and audit trails to support loan processing transparency and compliance