# Karla User

Karla User is a remote worker on Himalayas, Fraud Analyst Representative at State Department FCU, based in United States.

Source: https://himalayas.app/@karlauser5

```text
Fraud Analyst Representative at State Department FCU who saved over $1.3 million from credit and debit card fraud.
```

| Detail | Value |
| --- | --- |
| Availability | Looking for a job |
| Location | United States |
| Authorized to work in | United States |
| Salary expectations | 90k+ USD |
| Job categories | Fraud Analyst, Fraud Investigator, Risk Compliance Specialist |
| Skills | Fraud Analysis, Fraud Investigation, Fraud Prevention, Transaction Monitoring, Data Analysis, Risk Mitigation, Regulatory Compliance, Controls Testing, Case Reporting, Check Fraud, Credit Card Fraud, Card Fraud, Suspicious Activity Reports, Currency Transaction Reports (CTR), OFAC Compliance |

## About

```text
At State Department FCU, I’ve saved over $1.3 million from credit and debit card fraud by implementing rule strategies informed by data analytics and reporting. I also collaborate with financial institutions and internal teams on fraud trends and investigations.

Previously, as Senior Fraud Investigator at State Department FCU, I maintained a fraud prevention rate exceeding 98% across over $19 million in transactions. I also helped prevent check fraud, achieving a 93% success rate and approximately $900,000 in savings.

As Compliance Risk Coordinator, I reviewed file maintenance reports and helped increase operational efficiency by 33%. I’m a Certified Fraud Examiner, and my background also includes compliance reviews, fraud investigations, and member service support.
```

## Experience

### Fraud Analyst Representative (current)

State Department FCU. Nov 2024 - Present

```text
Saves over $1.3 million from credit and debit card fraud by implementing rule strategies from data analytics and reporting. Collaborates with other financial institutions and internal departments on fraud investigations and prevention.
```

Skills: Data-Analysis, Fraud-Detection, Risk-Mitigation, Fraud-Prevention, Vendor-Collaboration, ATM-Replacement, Online-Banking, Customer-Service

### Senior Fraud Investigator

State Department FCU. Sep 2017 - Nov 2024

```text
Maintained a fraud prevention rate exceeding 98% across over $19 million in transactions. Led training sessions, conducted surveillance reviews, and recovered over $225,000 in stolen funds.
```

Skills: Fraud-Prevention, Transaction-Monitoring, Data-Analysis, Training, Surveillance, Access-Control, Check-Fraud, Collection-Strategies, Case-Reporting

### Compliance Risk Coordinator

State Department FCU. Feb 2014 - Sep 2017

```text
Conducted reviews of file maintenance reports, achieving a 33% increase in operational efficiency and a 0% finding rate during NCUA audits. Monitored compliance trends and supported SAR/CTR filings.
```

Skills: Compliance, Risk-Mitigation, File-Maintenance, NCUA, Verafin, SAR-Filings, OFAC, Data-Analysis

### Senior Member Service Support Specialist

State Department FCU. Jun 2008 - Feb 2014

```text
Performed daily operational investigations and responded to over 7,000 emails with a 2% error rate. Led hotline operations and implemented process improvements that increased efficiency by 50%.
```

Skills: Investigation, Customer-Service, Email-Correspondence, Hotline-Operation, Process-Improvement, Training, Mentorship, Subject-Matter-Expert

## Education

### Association of Certified Fraud Examiners

Certified Fraud Examiner, Fraud Examination. 2022 - 2022

```text
Certified Fraud Examiner certification obtained in 2022.
```

### University of Phoenix

Associate of Arts, Criminal Justice

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Associate of Arts in Criminal Justice from the University of Phoenix.
```

### University of Phoenix

Bachelor of Science, Organizational Security and Management

```text
Bachelor of Science in Organizational Security and Management from the University of Phoenix.
```

## Tech stack

- SentiLink
- Jumio

To contact Karla, message them from this profile with a Himalayas employer account: [Hire on Himalayas](https://himalayas.app/hire).

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