Vincent Walton

Vincent Walton South Orange, NJ -TEL:- Summary: Risk & Compliance Specialist with 8 years of experience in fraud investigations, customer identity verification, and internal controls across fintech and gaming platforms. Skilled in detecting suspicious activity, analyzing behavioral and transactional patterns, and drafting clear investigative summaries. Familiar with BSA/AML regulations, SAR documentation, and regulatory reporting standards. Known for maintaining audit-ready documentation, coordinating across teams, and making fast, informed decisions that reduce financial risk and strengthen compliance frameworks. Skills Regulatory Compliance: AML, BSA, KYC, SAR, Regulation E Tools & Platforms: JIRA, Salesforce, Marqeta, Snowflake, Zendesk, GeoComply Technical & Ops: Data Analysis, Risk Assessment, Troubleshooting, Project Management Communication & Collaboration: Leadership, Cross-Functional Coordination, Customer Engagement Experience BETMGM, Remote Risk Ops Specialist – ATO & KYC - Monitor player transactions and behavior in real-time to identify and mitigate fraud across online gaming platforms. Investigate cases involving identity theft, account takeovers, and payment fraud, escalating when necessary, based on internal risk guidelines. Collaborate with compliance and risk ops teams to ensure workflows align with AML requirements and state gaming regulations. Use risk engines, internal dashboards, and fraud detection tools to analyze data, spot patterns, and support decision-making. Partner with product and support teams to enhance fraud prevention measures and reduce operational risk. Utilize GeoComply to verify player locations and maintain compliance with jurisdictional gambling laws. Handle customer inquiries related to fraud alerts using Zendesk, resolving tickets efficiently and in line with internal policies. Maintain high accuracy and quality in case documentation to support internal audit and regulatory reporting. Oversee withdrawal queues and investigated flagged transactions in real-time, ensuring seamless payment processing and regulatory adherence. Block Inc. Cash App, Remote ATO Risk Mitigation Specialist - September 2024 – Present June 2024 – March 2025 Identified and mitigated Account Takeover (ATO) threats using advanced analytics and machine learning. Collaborate with engineering, product, and customer support teams to enhance fraud detection and response protocols. Analyzed IP addresses to detect and prevent fraud in Bitcoin and P2P transactions, identifying familiar patterns and suspicious activity. Provided actionable insights and recommendations to improve security measures and protect user accounts. Follow KYC protocols and ensure compliance with Regulation E to maintain regulatory standards. Leveraged tools such as Snowflake, GeoComply, Marqeta, and Toolbox to conduct identity and location verification. Deliver actionable insights and recommendations to enhance security measures and safeguard user accounts. Documented detailed notes outlining my verdict for Quality Assurance and future reference. Reviewed account behavior and supporting documentation to determine identity legitimacy during ATO and fraud escalations. Maintained a constant 98% QA score and 4.50TPH. Executive Relations Associate June 2022 – June 2024 Investigate and resolved complaints related to BBB, while providing expertise on regulatory issues, litigation and internal troubleshooting. Act as a specialized delegate to provide effective support for inquiries via in-app chat/messaging, email, and Slack, when my team(s), have questions regarding the regulatory process. Partner with other divisions to assist with creating solutions and ideas, exercising leadership capabilities. Attend to and Escalate consumer complaints, as required, while adhering to program SLA's Remediate Tier 1 and Tier 2 high severity complaints received from Cash App press and brand teams. Take ownership of Deceased Customer Compliance cases partnering with Counsel and Treasury. Consistently collaborate with team members of other teams to deliberate investigational findings. Perform Consumer Relations duties while adhering to regulatory SLA’s to 3rd Party, State and Federal Agencies Investigate customer accounts to complete balance transfers, verify assets and track risk concerns via tracker sheet. Utilize tools such as Marqeta, Toolbox and Snowflake to research internal customer records and take administrative action when needed. Customer Success Specialist - Messaging June 2021 – June 2022 Capture, resolve, and report on bugs and issues throughout development process in collaboration with engineers. Collaborate with team members, management, AST and RD when handling cases needing administrative assistance. Demonstrated knowledge of workflows through high KPI’s and general metrics while working in a fast-paced environment. Advocate for customers by emphasizing trends and provide constructive feedback via group meetings and approved internal slack channels for process, policy, and product improvements. Adhered to company policy and risk procedure when handling customer PII and account balance transfers. Wells Fargo Bank, N.A Home Preservation Specialist August 2020 – May 2021 Explain and adhere to FDCPA, FHA, FDPA, HMDA, RESPA, FCRA guidelines to clients experiencing financial hardships. Served as the single point of contact to borrower throughout the loss mitigation, loan modification, and foreclosure process. Access information on multiple systems to inform borrowers of loan terms, important dates and deadlines. Focused on upholding compliance standards while advocating for customer needs in the home preservation process at Wells Fargo. Expertise in interpreting and applying mortgage servicing guidelines to ensure fair and ethical treatment of borrowers. Personal Banker November 2018 – August 2020 Managed a diverse portfolio of client accounts, providing tailored financial advice and conducting regular reviews to align with evolving goals and risk profiles. Advised customers on appropriate banking products and digital tools by engaging in needs-based conversations. Completed ongoing training in AML, SAR, BSA, CTR, and CFPB regulations (Reg E, B, CC, and Z). Built strong relationships with internal partners and referred high-net-worth clients to appropriate specialists. Collaborated with compliance teams to uphold AML and KYC standards, reinforcing the bank’s reputation for integrity. De-escalated emotionally charged customer concerns by proactively seeking feedback and coaching. Resolved complaints through proper escalation, detailed notations, and thorough follow-up. Processed levies promptly and ensured compliance with state and internal document retention schedules. Notarized legal documents while verifying client identities in accordance with business policies. Conducted in-depth compliance audits and risk assessments, implementing improvements to reduce regulatory exposure. Authored risk summaries and compliance reports with actionable recommendations to improve controls. Joined Wells Fargo in 2017; promoted to Personal Banker after demonstrating strong customer service, compliance, and operational performance as a Teller. Education Essex County College, A.A.S. Cybersecurity & Network Technology Columbia High School, Diploma In Progress