Fernanda Sheler
Stafford
Summary
Detail-oriented Payments Operations Specialist with a strong foundation in ACH and wire transfer processes. Expertise in compliance reviews, fraud detection, and transaction investigations, driving operational efficiency and risk reduction. Adept at fostering collaboration across teams to enhance service delivery and streamline payment workflows.
Overview
5
5
years of professional experience
Work History
Operations Specialist
Chain Bridge Bank
McLean
01.2022 - Current
- Support day-to-day payment operations including ACH workflows, wire transfers, refunds, and money movement processes.
- Process ACH transactions including file balancing, transaction merging, enrollments, returns, exception items, and client setup.
- Ensure all ACH activity remains compliant with NACHA operating rules and internal control procedures.
- Process incoming and outgoing domestic wire transfers and international wire transfers using SWIFT standards and bank procedures.
- Perform OFAC screening and BSA compliance reviews on payment activity and customer transactions.
- Monitored payment activity, investigated discrepancies, and resolved transaction issues promptly and accurately.
- Conduct fraud detection reviews across ACH, wires, ATM, debit card, and other transaction channels.
- Support unauthorized transaction claims and coordinate return processes for customers.
- Completed reconciliations for ATM, CIE, ICS, and settlement accounts; identified and cleared breaks efficiently.
- Identified operational inefficiencies and recommended process improvements, enhancing payment accuracy and reducing risk.
- Provide high-quality internal and external customer support through email and phone communication.
Client Relationship Officer & Teller
M&T Bank
Fairfax
01.2021 - 01.2022
- Cultivated customer relationships while delivering tailored financial solutions for consumer and business clients.
- Facilitated account openings for deposit accounts, business accounts, credit cards, and loan products, enhancing client access to banking services.
- Resolved client service requests and maintained accounts, ensuring client satisfaction and retention.
- Processed deposits, withdrawals, transfers, payments, and cash transactions accurately.
- Balanced teller drawer daily and maintained strong internal control standards.
- Delivered excellent customer service in a fast-paced banking environment.
- Ensured compliance with KYC, CIP, BSA, and internal banking procedures.
- Worked closely with operations and support teams to resolve client escalations.
Education
Bachelor of Science - Finance
George Mason University
Fairfax, VA01-2023
Skills
- Payment operations and processing
- ACH transactions and returns
- Wire transfers (domestic and international)
- SWIFT messaging
- NACHA compliance
- OFAC screening
- BSA regulations
- Fraud detection and risk management
- Transaction monitoring and investigations
- Reconciliation processes
- Treasury operations
- Refund processing and case resolution
- Operational excellence strategies
- Process improvement initiatives
- Workflow optimization techniques
- Documentation standards
- Customer support services
- Data accuracy assurance
- Cross-functional collaboration
Additional Qualifications
- 4+ years of experience in Payments Operations / Financial Operations
- Strong knowledge of ACH, wire transfers, NACHA, SWIFT, OFAC, and reconciliations
- Experienced in high-volume transaction processing and deadline-driven environments
- Strong analytical, organizational, and problem-solving skills
- Detail-oriented with focus on data accuracy and continuous improvement
- Adaptable to remote, fintech, startup, and fast-growth environments
Languages
Spanish
Elementary
Portuguese
Native/ Bilingual
Timeline
Operations Specialist
Chain Bridge Bank
01.2022 - Current
Client Relationship Officer & Teller
M&T Bank
01.2021 - 01.2022
Bachelor of Science - Finance
George Mason University