Kimberly McIntosh has over 20 years of experience in risk management, fraud investigation, and anti-money laundering roles. She currently works as a Senior Risk Associate for RushCard where she conducts detailed analysis to identify fraudulent activity patterns and write SAR reports as required by compliance regulations. Previously, she held fraud investigation roles at 5/3 Bank and GE Credit Card Services where she was responsible for investigating fraudulent applications, writing procedures to identify fraud, and minimizing losses for the banks. She has extensive experience identifying various types of fraud such as identity theft, loan fraud, and money laundering issues.

1. KIMBERLY McINTOSH
3901 IrwinSimpsonRd. Mason,OH 45040 (513)-317-1116 ksmcintosh@yahoo.com
RUSHCARD 01/12-current
Sr. Risk Associate
 Conductdetailedanalysisof varioustypesof accountactivity,writingSARsasrequiredby
compliance regulations andinternalguidelines,accompaniedbydetailedExcelspreadsheets
and additional applicabledocuments
 Resolutionof backendinvestigationsandescalatedfraudissues
 Responsible forreviewingthe FraudApplicationqueue toidentifyfraudulentapplicationrings,
writingSARsas requiredbyinternal guidelines, accompaniedbydetailedExcel spreadsheets and
additional applicabledocuments
 Reviewof escalatedissuesfromRiskanalystsforpossibleSARworthiness,writingSARsif
applicable,accompaniedbydetailedExcel spreadsheetsand additional applicable documents
 WorkedinconjunctionwithRushCardQualityTeamtodevise trainingof fraudissuesand
altereddocumentidentificationtooffshorecall centers agents
 Backup to reviewvarious fraudqueuessuchas,butnot limitedtocashon/cashoff (AML),credit
withoutdebit,foreignATMuse,loadvelocityandcardto card transfer
5/3 BANK
Card Fraud InvestigatorII 5/05-01/12
 Participantinlossavoidance totalsof $3.5MM withinIDAnalyticsprogrambetween7/08-2/10
and confirmed IDtheftfraudof $565,600 withinthe same time frame. Thisprogramwasgeared
primarilytoidentifyfraudulentapplicationsandbustoutfraudprior to lossesbutwasalso very
successful inidentifyingmanycasesof loanfraud andAML issues
 Wrote procedures,inconjunctionwithcompliance dept,for reviewingfraudidentification/
preventativereportssuchasExcessive Large Payment(ELP),CreditBalance (CBAL),Issuers
ClearinghouseService (ICS),IDAnalytics (IDA) andE51 FraudAppsqueue
 Solelyresponsible forreviewingELP,CBAL,ICSreports andinvestigationof findingstoprevent
or minimize lossestothe bank
 WritingSARsinaccordance withcompliance regulationsinfullnarrative format(no
attachments)
 Trainednewinvestigative staff onproceduresandredflagsonfraudidentifyingreportsof ELP,
CBAL,IDA and E51 queue
 Maintainand resolve ahighlevel of escalatedfraudissuesfromwithinCardFraudDepartment
as well asadditional bankwide concerns
 Maintaina highdegree of communicationwithLaw Enforcement(local,State andFederal)
includingpreparingfrauddataspreadsheets,otherevidence documentation forprosecutionof

2. perpetrators. Maintainahighdegree of communicationandactive participantinexternal
financial institution andcreditreportingagencypeergroups inacollective efforttoidentify,
preventandreportfraudulentactivity trendsand fraudrings. Maintaincommunication and
recommendations toCardFraud managementandother relevantexternal departments that
may be affectedbylosses
 HighlyknowledgeableinindentifyingAMLissues, internal fraudissues, loanfraud,balance
transferfraud,newaccount fraud and customervictimscams
 AssistAML and Corporate BankProtectioninvestigatorswhenpertainingtoCardFraudissues
 Case managementforcustomerfraudclaimsof lost/stolen,skimming,non-receiptand
fraudulentapplicationcreditanddebitcards
 Knowledgeable inBankCardcomplianceswith particularregardtoReg.E and Reg.Z.
 ProficientinLexis/Nexis, SurveillanceEvidence Manager, Total Systems,TSYST2,Prism, and
Sharepointaswell asproficientinMicroSoftOffice programs
AML Investigator 1/04-4/04
 Responsible foridentifyingAMLissuesfromBSA reports of depository activity, reported
suspectedoffencesbybankingcenters andasassigned. SARswritten inaccordance with
compliance regulationsinfull narrative format(noattachments)
McINTOSH PROPERTIES
Property Manager/ Small BusinessOwner 11/99-5/05
 Managed self ownedrental propertiesincludingmulti-familyandsinglefamilyresidential
dwellings
GE CREDIT CARD SERVICES
Fraud Investigator 3/94-8/99
 Responsible for‘cradle tograve’investigations andcase management,primarily fraudulent
applications,fraudafterdeathandcounterfeitclaimsoncreditcards
 Participantinnew“FraudApps”investigative groupthatresultedina$10MM lossavoidance in
a 7 monthtime frame
 Responsible forreviewof applicationsqueues, ELPandRequestCard(RCD) reportsin an effort
to identifyfraudandminimize lossestobank
 Wrote SARs inaccordance withcompliance regulations
EDUCATION
Miami University 8/84-5/90
BA inSociology/EmphasisinCriminology

3. MEMBERSHIPS
IAFCI