Kim started her career evaluating business risks and internal controls at global brokerage houses and has risk management in her DNA.
Over the course of her career she has developed a specialty and focus on the issues and opportunities in credit and fraud risk for consumer and small business payment and lending products. She has worked collaboratively with senior risk executives of banks and FinTech lenders to isolate industry best practices across a number of dimensions – both through discussion and quantified KPIs.
She has been working with industry providers for over a decade on issues pertaining to the financial service needs of the underserved, and how these needs could be potentially addressed through the use of new data, tools, and technology.
Kim regularly helps clients tackle the following problems:
- What are the developments in credit risk management and how is the industry changing its approaches to identify and mitigate risk? What new information and data sources are being tested by the industry to assess credit risk beyond a consumer credit risk score, such as cash-flow and other information? How are new tools and approaches expanding access to credit?
- What new information is being harnessed to mitigate fraud and better validate the identities of consumers and small businesses? What is the ecosystem of solution providers that could be considered by a lender to include in its portfolio of fraud solutions to combat fraud? What are the tactics used by organized fraud rings and how can these be identified and addressed by a lender?
- What regulatory developments have an impact on providers of consumer and small business credit and how are these changing? How are FinTech and Bank Partner relationships evolving including their compliance management programs?
- How can new tools, solutions, and data sources be leveraged to strengthen internal functions such as credit underwriting, fraud detection, servicing, collections, and compliance?
Kim has built and led numerous industry consortium efforts related to all of these issues, and has continued to work with clients in innovations in risk management ever since.
Select Experience
- Lead and created risk management industry roundtables as mechanisms for the senior risk executives in cards and loans to share best practices and data insights pertaining to economic cycles and credit risk, fraud trends, and legal/regulatory developments impacting credit risk. Assessed industry and company-specific portfolio performance. Led discussions on key trends with risk executives over many years – and collaborated very closely with lenders during the pandemic in response to the rapid and severe shocks in the industry.
- Created fraud risk roundtable for FinTech lenders to enable the industry to identify coordinated fraud attacks and understand new solutions to mitigate application fraud and malicious intent.
- For a leading B2B consumer credit risk score provider, isolated lender perspectives and evaluated trends that impacting the consumer credit risk score industry across credit card, personal loan, auto, and mortgage lending products.
- Advisor to the CEO and executive management team of a fairness-as-a-service FinTech company: The AI-powered APIs assess clients’ automated decisioning systems to increase both fairness and profits.
- Advisor to the CEO of a fraud solution provider: The company has developed a unique, patented IP and technology that uses disparate data to predict malicious intent (fraud and credit abuse) and help consumer lenders combat first payment defaults and fraud at the point of customer acquisition.
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