Gurpreet Singh

• Part of the Global Regulatory and Policy Assurance team at American Express. Our core job is ensuring the health of the business by proactively identifying the risks and in that sense being the first line of defense for the business (Regulatory infraction along with the decisional & procedural impact on business).
• Testing the complaints raised by card members, Merchant, 3rd party and regulatory authorities to American Express for Canada, Australia, New Zealand, India and US market.
• Proactively identifying issues and being agile in finding solutions by collaborating with various stakeholders in the business.

Achievements

• Inventory management which includes Inventory allocation and driving productivity for Complaint Analyst level, NLP (Natural Language Processing), Program level (Business Self Testing) and SMRT (Social Media Response Team) closer.
• Automate NLP validation file which reduce lot of manual efforts and human errors.
• Created Qualtrics form for all the functions and adjusting it per business requirements plus suggestions from the team.
• Created Complaints Overview deck and lead it with the collaboration of other team members which includes trends & analysis, brainstorming, frequently used ECCO articles, testing procedures and recommendations which resulted in a very insightful refresher session with teams.
• Created a Gap to Goal tracker for the team which help in tracking the team performance on real time basis.
• Responsible for the overall dashboard reporting results for program level and Smart closer (Quarterly). Deck includes trends, scores & improvement ideas for GSG (Global Servicing Group) stakeholders.

• Reviewed accounts to determine if the Card Member has set up an account with an intention to defraud American Express.
• Evaluate American Express Consumer, Small Business, and Corporate account data to make a business decision as to the risk level of the account by reviewing account and Card member information such as; charge activity, payments, Credit Bureau information, Dunn & Bradstreet information, Fast Data information, Service Establishment information, history notes and making an analysis as to the risk to American Express.
• Partner with Team Leaders and enabling functions to drive performance and Manage inventory.
• Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
• Identifying potential process improvement initiatives.
• Analyzed credit scores to determine borrowers' creditworthiness.
• Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
• Actively participate and lead weekly calls with Risk.
• Initiate process improvements by identifying service delivery gaps and offering solutions for the same.

• Worked as an Underwriter for BAMS credit card processing.
• Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
• Verification of documents provided by Small Business merchants to process.
• Pulling credit report through Experian, check credibility, business verification, AML (Anti Money Laundering) requirements, and usage of internal BAMS tools for settlement accounts verification & CRM tool.
• Make Dashboard, updates productivity of all associates.
• Assessed credit risk and analyzed financial statements.
• Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
• Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.