Rene Schultz

My independent forensic ledger audit and risk investigation began with reviewing digital banking ledgers and monthly statements to identify unauthorized processing anomalies.

I mapped merchant-masking and transaction-laundering patterns involving shifting billing aliases and account overdraft parameters. I also decoded hidden transaction records and statement omissions, organizing a physical and digital evidence trail for regulatory oversight agencies.

I structured and submitted compliance reports outlining consumer rights violations to state and federal financial commissions. My work draws on ledger reconciliation, pattern spotting, and an understanding of Federal Regulation E standards.

As a Customer Service Representative / Frontline Cashier, I handled customer interactions, cash management, and digital payments. I also used store registers and inventory databases to enter records and track transaction updates.