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Spencer Morgan is a seasoned risk and compliance professional with extensive experience in fraud analysis and operational risk management. Currently serving as a Senior Risk Analyst at Chime since May 2021, Spencer previously held various roles at ProPay, including Senior Risk & Compliance Analyst and Fraud Analyst Lead, where responsibilities included generating reporting through SQL, developing fraud strategies, and consulting on ACH compliance. With earlier positions at American Express and eBay focusing on fraud analysis and customer support, Spencer's career also includes experience in education and legal assistance. Spencer holds a background in Political Science and History from the University of Utah.