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I'm a Fraud & Risk Analyst with 2+ years of experience in fraud prevention, chargeback disputes, and AML/KYC compliance. I have a strong background in transaction monitoring, risk trend analysis, and regulatory documentation. I am proficient with tools like Salesforce, Zendesk, Visa Resolve Online, Mastercard Dispute System, Power BI, SQL, and Excel. I'm detail-oriented and adept at supporting audit readiness and financial risk mitigation. I've collaborated with compliance and operations teams to strengthen controls, and my experience at Ubiquity Global Services, Jollibee, BFAR, and BIR virtual accounting work has helped me stay organized and adaptable in remote work environments.…I'm a Fraud & Risk Analyst with 2+ years of experience in fraud prevention, chargeback disputes, and AML/KYC compliance. I have a strong background in transaction monitoring, risk trend analysis, and regulatory documentation. I am proficient with tools like Salesforce, Zendesk, Visa Resolve Online, Mastercard Dispute System, Power BI, SQL, and Excel. I'm detail-oriented and adept at supporting audit readiness and financial risk mitigation. I've collaborated with compliance and operations teams to strengthen controls, and my experience at Ubiquity Global Services, Jollibee, BFAR, and BIR virtual accounting work has helped me stay organized and adaptable in remote work environments.

Michaela Munio

Data Scientist, Data Analyst, QA Engineer, +2

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I'm a Fraud & Risk Analyst with 2+ years of experience in fraud prevention, chargeback disputes, and AML/KYC compliance. I have a strong background in transaction monitoring, risk trend analysis, and regulatory documentation. I am proficient with tools like Salesforce, Zendesk, Visa Resolve Online, Mastercard Dispute System, Power BI, SQL, and Excel. I'm detail-oriented and adept at supporting audit readiness and financial risk mitigation. I've collaborated with compliance and operations teams to strengthen controls, and my experience at Ubiquity Global Services, Jollibee, BFAR, and BIR virtual accounting work has helped me stay organized and adaptable in remote work environments.…I'm a Fraud & Risk Analyst with 2+ years of experience in fraud prevention, chargeback disputes, and AML/KYC compliance. I have a strong background in transaction monitoring, risk trend analysis, and regulatory documentation. I am proficient with tools like Salesforce, Zendesk, Visa Resolve Online, Mastercard Dispute System, Power BI, SQL, and Excel. I'm detail-oriented and adept at supporting audit readiness and financial risk mitigation. I've collaborated with compliance and operations teams to strengthen controls, and my experience at Ubiquity Global Services, Jollibee, BFAR, and BIR virtual accounting work has helped me stay organized and adaptable in remote work environments.

Available to hire

I’m a Fraud & Risk Analyst with 2+ years of experience in fraud prevention, chargeback disputes, and AML/KYC compliance. I have a strong background in transaction monitoring, risk trend analysis, and regulatory documentation. I am proficient with tools like Salesforce, Zendesk, Visa Resolve Online, Mastercard Dispute System, Power BI, SQL, and Excel.

I’m detail-oriented and adept at supporting audit readiness and financial risk mitigation. I’ve collaborated with compliance and operations teams to strengthen controls, and my experience at Ubiquity Global Services, Jollibee, BFAR, and BIR virtual accounting work has helped me stay organized and adaptable in remote work environments.

Skills

Experience Level

Expert

Expert

Expert

Expert

Expert

Expert

Language

English

Fluent

Work Experience

Risk and Fraud Operations Analyst at Ubiquity Global Services

July 1, 2021 - September 30, 2023

Analyzed chargeback and fraud disputes to identify emerging risk patterns. Examined financial records and control procedures to detect irregularities. Managed chargeback inquiries in compliance with Visa, Mastercard, and internal policies. Performed KYC and AML verification, including sanctions, PEP, and adverse media screening. Monitored transactions and conducted enhanced due diligence on high-risk accounts. Verified regulatory documentation and escalated suspicious activities when required. Prepared compliance reports and maintained audit-ready records. Supported AML and fraud risk mitigation initiatives across operations. Partnered with compliance and operations teams to improve control effectiveness.

Cashier at Jollibee Food Services

December 1, 2019 - February 28, 2021

Processed cash and credit card transactions with high accuracy. Delivered excellent customer service and resolved customer concerns professionally. Assisted in kitchen operations and order coordination during peak hours.

Finance Intern at Bureau of Fisheries and Aquatic Resources

April 1, 2016 - June 30, 2016

Encoded and tracked financial transactions in document management systems. Assisted in indexing, receiving, and releasing financial and administrative records. Commended for accuracy in financial documentation during internship.

Accounting Assistant / Virtual Assistant at Bureau of Internal Revenue (BIR) – [Accounting/Virtual Assistant Role]

January 1, 2024 - January 1, 2026

Assisted an accountant at the Bureau of Internal Revenue (BIR) with accounting and administrative tasks. Supported preparation of financial documents, records, and reports. Worked as a Virtual Assistant handling accounting-related responsibilities aligned with my academic background. Developed strong skills in documentation, organization, time management, and remote work coordination.