Mario McCash

Mario McCash

Fraud, Risk & Compliance Professional

Greater Salt Lake City Area

Past

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Education
  • Almeda University
  • Almeda University
  • Federal Law Enforcement Training Center
  • University of Utah
  • Marriott School of Management
  • Brigham Young University - Idaho
  • Community College of the Air Force

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4 more...

Connections
57 connections
Industry
Banking

Mario McCash’s Summary

Industries Served:

• Banking/Financial Services
• Telecommunications

Core Competencies:

• Fraud Management
* Risk Management (Operational & Credit)
• Compliance (AML, Patriot Act, KYC, BSA, CIP, EDD, OFAC, SARs)
• Security/Investigations
• Product Marketing, Management & Development
* Business & Corporate Development, Partnerships/Alliances, Strategy, Policy, Best Practices

Skills Overview & Achievement Highlights:

• Key contributor to the design, development and implementation of fraud management systems in the financial services and telecom industries.
• Successfully developed, implemented and enforced policies, procedures, best practices and processes for risk, security, AML and fraud management in various operational environments. This lead to cost savings, greater efficiencies and optimal use of the tools used to control fraud and risk in the companies served.
• Excellent track record of consultation, advisement, recommendations, audit and assessment. Engagements dealt with vendor and product selection; feature & function identification; requirement analysis; implementation, customization and configuration optimization; product positioning; marketing message; competitive intelligence; vulnerability identification; process improvement, etc.
• Acquired and possess in-depth knowledge and subject matter expertise of various types of fraud and risk and related issues, problems and challenges relevant in banking and telecom operations, e.g.: Identity Theft, True Name Fraud, Application Fraud, KYC, Patriot Act, BSA, Terrorist Financing, AML, Deposit Account Fraud, Credit/Debit Card Fraud, Calling Card Fraud, Wireless Fraud, Subscription Fraud and telecom network fraud.

Mario McCash’s Specialties:

Fraud, Risk & Compliance. Banking and telecom industry experience. Fraud prevention, detection & management. AML, ATF, BSA, SARs, OFAC, Patriot Act, KYC, CIP, EDD, Reg E - Claims, Reg CC (Holds) and vendor provided systems for fraud and compliance - banking/financial servcies and telecom/wireless.

Mario McCash’s Experience

  • Banking Operations SME

    TD Ameritrade

    (Public Company; AMTD; Financial Services industry)

    July 2008 — September 2008 (3 months)

    Completed a "fusion" project for TD Ameritrade, which purpose was to determine how best to leverage the banking products/services/platform and systems resident at TD Bank NA (the merger between TD BankNorth and Commerce Bankj). TD Ameritrade would like to be more competitive in the brokerage marketplace by offering a richer, more fuller suite of retail banking services. This experience had allowed me to contribute and successfully progress work on all related issues with brokerages as they strategically aglign themselves to become more of a one-stop shop for ALL financial and banking services and products. My particular focus has been ACH, bill pay, online account opening & funding, introduction of new retail banking products, automated funds transfers, check imaging, online cash management center, day 2 processes, fraud and compliance (FACTA, Reg E, Reg D, Reg CC, AML, BSA, OFAC, Patriot Act, KYC, Authentication, CIP, EDD).

  • Fraud/AML Consultant Solution Frameworks

    PegaSystems

    (Public Company; 501-1000 employees; PEGA; Computer Software industry)

    December 2007 — April 2008 (5 months)

    Assisted in the design and development of a new solution framework for financial crimes management (i.e. fraud and money laundering) targeted to the banking/financial services industry. The core aspect of the project includes the development of an integrated case management & workflow system to manage fraud and money laundering/terror financing from across the enterprise. My specific role is to act as the fraud and AML (anti-money laundering) SME (subject matter expert) guiding the strategy, content, features and functionality of this financial crimes framework.
    • Authored an AP (Application Profile) doc that is being used by the solution architects, developers and engineers as a blueprint in creating the framework
    • Assisting the Marketing Dept. by developing marketing message maps for the fraud & AML frameworks

  • Fraud Technology Manager

    BB&T

    (Public Company; 10,001 or more employees; BBT; Banking industry)

    May 2007 — October 2007 (6 months)

    Had the responsibility of managing the fraud detection systems used in the retail bank. This would include system optimization, rules/thresholds/parameter changes & updates, linking systems together and evaluating new fraud technology (vendors, products & services).
    • Managed a team of analysts (operational/business) that supported the initiatives of the Fraud Technology Team.
    • (Systems include Falcon, Deposit Chek & Identity Chek, Carrekker's ASI 19 & ASI 16, Identity Tracker, Signature Verification, Computrol Kite, PegaSystems, Actimize and various others).
    • The job entailed managing the optimization projects by gathering, defining and documenting the objectives and goals for system improvement (i.e. reduction of false positives coupled with an increase in high value hits).
    • Changes were then deployed in a test region/domain, refined, proven and ultimately put into production.

  • Enterprise Fraud/AML Consultant

    USAA

    (Privately Held; 10,001 or more employees; USAA; Financial Services industry)

    February 2007 — April 2007 (3 months)

    1099 hourly paid contractor assisting the Fraud & AML Management Department and the Business Intelligence Unit with fraud risk expertise and providing support as needed for fraud and AML related projects, initiatives and activities.
    • Focus was on integrating various channel inputs, applications and data sources into the Norkom system, which is being used as the hub enterprise fraud/risk/compliance platform.
    • Functional, business, feature and integration requirements were identified and documented.

  • Sr. Systems Analyst

    Washington Mutual

    (Public Company; 10,001 or more employees; Banking industry)

    March 2006 — February 2007 (1 year)

    Responsible for testing the Falcon system for implementation. Evaulated fraud technology vendors. Helped identify enterprise fraud management vendors and who would be best at WAMU. Participated in a deposit account/checks roundtable for mitigating fraud losses. Reviewed scoring technologies (FICO vs. Vantage) and made recommendations. Helped develop the fraud/risk strategy for the retail bank.

  • Fraud SME

    Actimize

    (Privately Held; 51-200 employees; Computer Software industry)

    July 2005 — January 2006 (7 months)

    Assisted the company in launching a fraud solutions suite of products to the banking and financial services industry from a marketing and sales perspective. Developed sales kits, product road map, competitive analysis/intelligence, market analysis, opportunity & assessment, product positioning & sales presentations. Identified leads, conferences, trade organizations and partners for value added services. Also identified and help bring in new channel partners for resell and distribution. Attended trade shows & conferences, set up and managed booths. Created product documentation and trained staff & partners on the fraud products. Wrote content for web pages.

  • Director of Risk Management

    Cashedge

    (Privately Held; 51-200 employees; Banking industry)

    November 2004 — July 2005 (9 months)

    • Responsible for fraud and risk management operations for CashEdge’s products and services to the financial services and banking industries.
    • CashEdge provides the software, infrastructure and platform to enable financial institutions to open and fund accounts online and enable intra and inter-institution money transfers via the web channel.
    • The job is to mitigate the risk of fraud and reduce returns of ACH payments. This is accomplished by validating users and accounts and ensuring that we are dealing with authorized parties (KYC).
    • Risk monitors and detects suspicious activity due to key logging, account takeover, identity theft, etc. Within Risk, reports are created, modified and developed; fraud/negative databases are maintained and developed; fraud cases are managed; workflow processes and procedures are created (that manage the day-to-day operations) - which are all designed to reduce the fraud risk exposure.

  • Sr. Cellular Fraud Engineer

    General Motors Onstar

    (Public Company; 10,001 or more employees; Automotive industry)

    September 2003 — August 2004 (1 year)

    • Hired through Manpower, the job was to support the fraud prevention and reduction programs at Onstar (wireless fraud management). Primary deliverables included developing technical and business strategies, procedures and processes to reduce fraud for the in-vehicle phone service of Onstar. Projects included roaming fraud, authentication, cloning (via analog devices) and fraud system tuning and updates.

  • AML & Fraud Strategy Manager

    ING Direct

    (Public Company; 10,001 or more employees; Banking industry)

    February 2002 — July 2003 (1 year 6 months)

    • Managed fraud and risk management projects
    • Supported compliance activities by managing the BSA/AML (Bank Secrecy Act/Anti-Money Laundering) and terrorist financing programs, projects and initiatives for ING Direct, USA. Built successful strategies for fraud and risk mitigation for all products and banking operations. Contributions included assisting in the development of the following: KYC (Know Your Customer) program; the “Fraud Buster” employee incentive program (encouraging employees to proactively find fraud); establishment of the AML (anti-money laundering) program, including implementation of new AML software; reporting program for detection, forecasting, budgeting, analysis, metrics and benchmarking; Fraud Database & Fraud Cube for data mining; debit card and home equity line of credit access card fraud management program (Master Card), Identity Theft Victim’s Assistance Program and a fraud monitoring system for savings and checking accounts.

  • Wireless Fraud Project Manager

    PrimeCo

    (Privately Held; 1001-5000 employees; Telecommunications industry)

    May 2001 — November 2001 (7 months)

    • Lead the transition project for fraud and risk management systems for PrimeCo - a regional wireless carrier serving the Chicago market.
    • The assignment was to document PrimeCo's current situation as it relates to front-end application decision management (subscription fraud and credit risk management), back-end processes such as fraud profilers and legal compliance. Once the needs of the company were documented and understood, new processes, vendors, software and systems were recommended for implementation (including neural-based fraud systems for detecting card-not-present and application fraud). As such, this assignment involved the transition of (legacy) fraud and risk management systems to new business processes and software tools.
    • Developed RFI/RFP documents and made final recommendations for specific solution sets in the fraud and risk management arena.

  • Product Manager

    Datazen

    (Privately Held; 51-200 employees; Telecommunications industry)

    June 2000 — April 2001 (11 months)

    • DataZen delivered data mining marketing services via the ASP (web-enabled) model. The targeted customer base was marketing departments of telecommunication carriers. The solution dealt with lead generation, market segmentation and pre-qualification.
    • Managed the product life cycle and established the product roadmap. Responded to RFPs/RFIs. Authored MRDs (Marketing Requirement Documents). Worked with Engineering to support the building of the product bundles and initiating classical product management programs such as: Competitive and market analysis; sales kits (white papers, technical marketing collateral, web page/product sheet content, etc.); pricing; planning; positioning, strategic direction, requirement analysis, etc.

  • Consultant Internet Banking Fraud Management

    1st Web Bank Direct

    (Privately Held; 51-200 employees; Banking industry)

    January 2000 — May 2000 (5 months)

    • Assignment was to develop fraud, risk and security management policies, procedures and processes for Sovereign Bank's new Internet banking start-up division called "1st Web Bank Direct". Projects included credit risk and fraud management on DDA accounts and debit cards.

  • Product Manager

    ECTel

    (Public Company; 201-500 employees; Telecommunications industry)

    May 1999 — January 2000 (9 months)

    • Assisted in the development of the North American market for “FraudView” – a telecom software application for fraud management.
    • Authored a major MRD (Marketing Requirements Document) for “FraudView VOD” – voice over data networks version of FraudView. Other duties included: Market research and analysis work, competitive intelligence, pricing, strategic direction, positioning, requirement analysis, product content development, etc. CRM and network security were also areas explored and researched.

  • Business Development Manager

    Illuminet

    (Privately Held; 201-500 employees; Telecommunications industry)

    June 1997 — May 1999 (2 years)

    • Position involved strategic planning, market research, partnership identification and evaluations, financial analysis as well as product and business case development. Projects included: Fraud detection/case management, subscription risk management tools/practices, and provisioning of products on a service bureau basis.
    • Developed requirements/specifications for a next generation fraud and risk management system, which included the use of multiple data inputs and the profiling/modeling of customer behavior and transactional data sets using statistical analysis, decisioning trees, neural nets, rules, etc).
    • Supported a wireless prepaid initiative with a fraud/bad debt impact assessment and risk management strategy.

  • Business Analyst

    Fair Isaac

    (Public Company; 1001-5000 employees; FIC; Computer Software industry)

    August 1996 — April 1997 (9 months)

    • Working in a joint-development project for PaySys and Fair, Isaac – authored business and functional requirements for a fraud case management system (Fraud Dossier) and fraud data warehouse for the credit card industry.
    • Responsibilities included reporting, performance measurements, pattern recognition, profiling, fraud scoring and analysis. Supported application programming in the design and development of Fraud Dossier, ensuring that the coding process meets requirements.
    • Provided detailed descriptions of financial, statistical, investigative, and summary reports (relating to fraud performance/management) and wrote specific data extraction routines/options for fraud pattern recognition.

  • Fraud Manager

    Concert Communications

    (Public Company; 10,001 or more employees; Telecommunications industry)

    May 1994 — June 1996 (2 years 2 months)

    • Supported marketing and product development teams with product integrity requirements and specifications (so products are fraud resistant and operate with the least possible risk of revenue leakage throughout the product lifecycle).
    • Was directly responsible for operations, performance and reporting of fraud systems and services for telecommunication voice products and its billing options (including card-not-present). Contributed significant improvements in the design and specification of a new neural/A.I. based global fraud system, shifting the focus from detection to prevention.

  • Revenue Assurance Manager

    Teltrust

    (Privately Held; 1001-5000 employees; Telecommunications industry)

    January 1992 — May 1994 (2 years 5 months)

    • Detection, monitoring, profiling, modeling and analysis of credit card, calling card and call detail records to determine fraud and abuse. Utilized statistical analysis, metrics, pattern recognition, data mining, reports, algorithms, rules and parametric thresholding to manage, assess and mitigate risk. Investigated and prosecuted suspects of telecommunication crimes against the company.
    • Achievement highlights include: Published a major white paper on calling card fraud prevention and integrity; built a department from the ground up; designed the company's fraud detection/monitoring system, obtained prolific track record of procuring indictments, convictions and court ordered restitutions; reduced the post billing adjustments to record average of 1.33% of revenue - the lowest in the OSP industry at that time - and promoted from Fraud Investigations Officer to Fraud Investigations Manager to Revenue Assurance Manager.

  • Loan Counselor

    First Security Bank

    (Public Company; 5001-10,000 employees; Banking industry)

    August 1989 — December 1991 (2 years 5 months)

    • Collections on consumer installment loans (primarily auto) and residential and commercial real estate loans. Duties included skip tracing, small claims, district court, bankruptcy, foreclosures and repossession processing.

  • Manager I

    Marriott International

    (Public Company; 10,001 or more employees; MAR; Hospitality industry)

    March 1987 — June 1989 (2 years 4 months)

    • Assigned to Marriott’s corporate headquarters and completed assignments in the Architecture & Construction division in expense accounting and facilities renovation management.

  • Aircraft Armament Systems Specialist

    US Air Force

    (Government Agency; 10,001 or more employees; Military industry)

    March 1983 — November 1987 (4 years 9 months)

    • Honorable Discharge, held ENTAC Secret Security Clearance, obtained level 5 certification (full competency/little or no supervision needed) and completed NCO Leadership/Management Course.

Mario McCash’s Education

  • Almeda University

    M.B.A., Risk Management Major, 2003 — 2007

    Graduated Cum Laude

    Activities and Societies:
    IAFCI Annual Conference Committee Seattle 2006, Presenter & Group Leader Actimize 2005 Annual Conference, Cashedge Instructor for Schwab, Wachovia & Digital Insight 2004/2005

  • Almeda University

    B.S., Criminology, 1999 — 2003

    Focus was on fraud and security in the private sector.

  • Federal Law Enforcement Training Center

    Certificate, Financial Fraud Institute, 1992 — 1996

    Activities and Societies:
    Instructor at the FLETC Financial Fraud Institute. Courses I taught dealt with interviewing victims and suspects of financial fraud crimes and how to develop sources of intelligence in investigating, monitoring, detecting and mitigating various types of financial crimes (in the private sector).

  • University of Utah

    B.A.., English, 1989 — 1990

    Activities and Societies:
    Completed 14 hours.

  • Marriott School of Management

    Certificate, Corporate Management Training Program, 1988 — 1989

    Activities and Societies:
    Completed Marriott corporate management training program, a full-time intensive 9 week (classrom + practical exercises) school/workshop/forum.

  • Brigham Young University - Idaho

    A.S., English, 1979 — 1985

    Activities and Societies:
    Completed 48 semester hours, 3.38 GPA.

  • Community College of the Air Force

    A.S., Aircraft Armament Systems, 1983 — 1984

    Activities and Societies:
    Completed 25 semester credit hours (fully accredited and transferable). Also completed the NCO Leadership Course (9 hours).

Additional Information

Mario McCash’s Interests:

Fraud Management in Banking and telecommunications. Anti-money laundering and compliance, KYC (Know your Customer), Identity Theft issues and related work.

Mario McCash’s Groups:

IAFCI (International Association of Financial Crimes Investigators), FSR/BITS Fraud Working Groups (part of the Fraud Reduction Steering Committee of the Banking Industry Technology Secretariat/Financial Services Roundtable). Past member of the CFCA (Communications Fraud Control Association), TFPC (Telecommunications Fraud Control Prevention Committee and FIINA (Forum for International Irregular Network Access).

  •    Anti-Fraud experts
  •    Global Analytics Network
  •    AML & Security Professionals
  •    Financial Crime Prevention Expert
  •    AMLAC - Anti-Money Laundering, Audit, Compliance and Fraud Forum
  •    Behavioural Monitoring Forum
  •    AML - Anti Money Laundering Group
  •    CompliancEX
  •    Fraud Prevention Network

Mario McCash’s Honors:

Several awards throughout career on specific projects (spot awards) and additonal bonuses for stellar performance (General Motors, Teltrust, Concert, ING, Illuminet).

Mario McCash’s Contact Settings

Interested In:

  • career opportunities
  • consulting offers
  • new ventures
  • job inquiries
  • expertise requests
  • business deals
  • reference requests
  • getting back in touch

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