Christopher Kline

Background

About Christopher Kline

Risk management/banking professional with expertise in merchant services risk and fraud analysis, credit analysis, and underwriting of merchant services accounts. Self-motivated, combining exceptional interpersonal skills with proven track record of team-building and coordination across multiple departments. Central Atlantic Merchant Services, Vineland, NJ Chief Risk Officer (2006 – present) • Monitor and review daily merchant services portfolio and analyze processing for possible fraud, risk scenarios and trends. • Contact merchants to investigate any risk issues and educate them on updated Association and federal regulations. • Perform regular reviews of merchant accounts with greater processing risk. Perform quarterly website reviews for e-commerce merchants for compliance with regulations. • Oversee underwriting process of all new merchant accounts and apply appropriate risk mitigation tools. Collaborate with Sales Reps to complete merchant account applications. • Coordinate development and supervise training of risk analysts. • Calculate quarterly merchant reserves to assure coverage for potential loss. Risk Analyst – 2006) • Assisted Risk Officer with monitoring merchant portfolio for unusual or risky trends in processing, and underwriting process of all new merchant accounts. • Coordinated new account submissions with Independent Service Organizations, communicating any changes in company status, Association or federal processing regulations. Trans World Entertainment Corporation, Albany, NY: Assistant Manager / Store Manager • Hired as an Assistant Manager, promoted to Store Manager within five months. • Operated five moderate-volume music retail stores, overseeing approximately eight staff members per location. • Held responsibility for total operation of store, including hiring, training, scheduling and releasing staff, placing merchandise orders, meeting corporate and individual sales goals. Specialties: Risk/fraud trend analysis, underwriting of new merchant accounts and application of appropriate risk mitigation tools, calculation of merchant reserve to balance risk/reward ratio, meeting individual and team sales goals