Алла

Alla Petryshyna
[відкрити контакти](див. вище в блоці «контактна інформація»)
[відкрити контакти](див. вище в блоці «контактна інформація»)
Lviv, Ukraine

Summary
Credit Risk Analyst and Underwriting Professional (Fintech Payments) experienced in document underwriting, KYC/AML
verification, credit and financial analysis, risk evaluation, CRA and policy implementation within payment processing
environments.

Experience
Pepper Pay LLC
Credit Underwriter / Risk Analyst, Remote
06/2022 - 01/2026
Conducted end-to-end merchant underwriting, including document review, KYC verification, financial analysis,
and credit assessment.
Performed AML compliance checks and policy-based risk evaluations in line with internal and regulatory
frameworks.
Managed merchant onboarding through payment gateways (FluidPay, NMI, TSYS), ensuring proper setup and
compliance adherence.
Utilized risk and validation tools (MC MATCH, sanctions lists, MicroBilt, Experian, G2, LegitScript, Lexis Nexis) to
verify merchant identity, creditworthiness, and legitimacy.
Applied internal risk policies and credit frameworks to assess merchant risk and make informed approval or
escalation decisions.
Conducted ongoing monitoring of merchant accounts to detect high-risk behaviors and prevent potential fraud or
non-compliance.
Collaborated with operations and compliance teams to resolve escalations and maintain portfolio integrity.
Prepared risk reports and documented underwriting decisions to support audits and regulatory requirements.
Assessed financials and business models to determine risk ratings and approval decisions.
Identified suspicious activity and escalated high‑risk cases for further review.

High Risk Commerce LLC
Merchant Risk Analyst / Underwriter, Remote
03/2021 - 10/2025
Conducted merchant underwriting and risk assessments in accordance with credit and risk policies.
Analyzed financial statements and business profiles to determine merchant risk levels.
Monitored merchant portfolios for risk indicators and compliance issues.
Assessed merchant creditworthiness using internal scoring and risk criteria.
Ensured compliance with internal policies and regulatory standards.

M1 Club Hotel
Front Desk Agent, Ukraine
04/2020 - 12/2020
Performed front desk operations including guest registration and departures. Verified guest identities, membership
details, and reservation information. Managed high-volume guest flow during peak periods. Responded to guest inquiries
via phone, email, and in person. Maintained accurate guest records and front office documentation.

Alexandrovskiy Hotel
Front Desk Agent, Ukraine
03/2019 - 04/2020
Executed efficient check-in/check-out for corporate and business travelers. Managed reservations, corporate bookings,
and billing/invoicing. Assisted guests with business services, meetings, and transportation. Ensured accuracy of guest
data, folios, and PMS records. Addressed guest issues professionally in line with service standards.

Radisson Blu Resort Bukovel
Front Desk Agent, Ukraine
11/2018 - 02/2019
Managed guest check-in/check-out and room assignments using PMS. Handled reservations, cancellations, and guest
requests efficiently. Provided information on resort amenities and local attractions. Resolved guest issues and coordinated
with housekeeping and maintenance. Processed payments, billing, and cash handling accurately.

Skills
Attention to detail, Fraud Prevention, Credit analysis skills, Problem-solving skills, Regulatory compliance knowledge,
Risk assessment expertise, Team collaboration, Time management

Education
English Language and Literature
Pavlo Tychyna Uman State Pedagogical University
06/2015
Bachelor's Degree

Languages
English, Ukrainian

Certificates
EF SET English Certificate 72/100 (C2 Proficient)