JOLINE A. VALDEZ jv12a2c78@westpost.net 6556 S.

Kit Carson Street Home: (303) 937-7144 Centennial CO 80121 Mobile: (720) 720-0524 Results-driven professional with proven ability to meet corporate objectives wit h integrity and focus on business excellence. Solid mix of risk mitigation expe rtise and customer service proficiency in a global environment. Successful team leader and business partner across multiple departments and cultures. Consiste nt driver of improved productivity and agent/consumer satisfaction. AREAS OF EXPERTISE * Extensive fraud, operations, and settlement knowledge * Proven ability to maintain high level of professional discretion * Proficient in Microsoft Office Suite of products * Over 15 years effectively contributing in a fast-paced, changing corporate env ironment * Solid experience using multiple system platforms * Creator and owner of multiple operational workflows * Highly motivated, collaborative, responsible, and well-organized professional PROFESSIONAL EXPERIENCE WESTERN UNION (1998-PRESENT) FORTUNE 500 Market leading provider of Money Transfer and Payments Services Team Lead, Client Operations (2008 - present) Responsible for providing allocation and alignment of resources to meet business objectives for the Retail Money Order (RMO) product, which carries an average d aily investible balance of ~$8M. * Lead team of 8 professionals in the Client Operations Department * Strategically partner with Risk, Agent Management, Corporate Security, Account ing, Legal, Agent Services Call Center, Consumer Call Centers, and IT department s * Ensure accurate, transparent, and timely reporting of RMO data in accordance w ith Sarbanes-Oxley, SAS70, and Federal Reserve requirements Fraud Coordinator (2000-2008) Responsible for mitigating corporate risk resulting from fraudulent activities r elated to the U.S. and Canadian payment solutions product. * Responsible for handling all money order fraud watch requests, approximately $ 1.1 million principle per month or ~5,000 items, respectively * Made and communicated pay or return decisions to Federal Reserve on ~2,000 sto pped money orders a month * Partnered with agents in managing money order inventory to mitigate risk assoc iated with missing shipments, location closings, old inventory, and theft * Performed daily analysis and audit of system reports to determine integrity of all stop payment activities * Fielded approximately 40 inquiries daily from money order agents, consumers, b anks, law enforcement officers, federal agents, and many internal shared service s departments Resume of Joline A. Valdez, (Page 2 of 2) Fraud Coordinator (Continued) * Partnered with internal security department and law enforcement officials to f acilitate fraudulent activity investigations

* Performed collections on Holder in Due Course claims for approximately 50 fina ncial instruments monthly * Managed the company's Fraud Loss Reserve account and successfully reduced the required accrual by 50% as the result of improved fraud processes Customer Service Representative (1998-2000) Responsible for handling consumer, agent, and banking institution inquires relat ed to the RMO, Global Cash, and Official Check products. * Managed consumer requests for stop payments, replacement copies, and clearing point verifications * Worked with agents and banking representatives in authorization of financial i nstrument needs exceeding $5,000 STAFF TEMP AGENCY (1996-1998)

Contingent Workforce Consultant (1996-1998) Responsible for ensuring storage of back-up tapes in the data center of First Da ta Corporation in compliance with company policy.

EDUCATION/PROFESSIONAL QUALIFICATIONS Certificate of Completion, Crucial Conversations, 2006 Certificate of Completion, Team Lead Coaching Program, 2007 Strong written and oral communication Extensive operations and systems experience Commitment to personal and professional development Multiple recognitions and awards received