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Joyce CJC
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Joyce C

@joycec

I lead fraud, KYC, and dispute operations across global financial institutions.

Philippines
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I lead Fraud & Dispute Claims Classification at American Express, guiding a 14-member team in a high-volume claims environment. I allocate work, monitor progress, and ensure accurate, timely delivery while maintaining risk, compliance, and audit standards.

Across nearly a decade at American Express, I've reviewed account activity and supporting information to make accept or decline decisions, managed complex escalations, and provided QA support that strengthened accuracy and control compliance. I use LexisNexis, Intellicheck, and EWS to identify application fraud, identity theft, and account takeover.

My financial crime experience also includes fraud operations at JPMorgan Chase, P&L and risk analysis at Deutsche Knowledge Services, and deposit-account customer service at Bank of America. I bring 15+ years of experience across fraud, disputes, KYC, risk operations, documentation, and audit-ready controls.

Experience

Work history, roles, and key accomplishments

IW

ESL Instructor; Appointment Setting

Independent (Work-from-Home)

Jan 2014 - Dec 2016 (2 years 11 months)

Provided English as a Second Language instruction and performed appointment setting services on a freelance basis.

BA

Customer Service, Deposit Accounts

BA Continuum (Bank of America)

Jan 2013 - Dec 2014 (1 year 11 months)

Provided customer service support for deposit accounts.

DS

P&L and Risk Analyst (T+1, Tokyo)

Deutsche Knowledge Services

Jan 2012 - Dec 2013 (1 year 11 months)

Analyzed profit and loss and risk data with a T+1 focus for Tokyo operations.

Education

Degrees, certifications, and relevant coursework

University of the Philippines Baguio logoUB

University of the Philippines Baguio

Bachelor of Arts, Social Sciences

Grade: Cum Laude

Bachelor of Arts in Social Sciences with a major in Economics and minor in Political Science, graduated Cum Laude.

Tech stack

Software and tools used professionally

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