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Ruby B. has extensive experience in risk analysis and credit underwriting, currently serving as a Risk Analyst at Commercial Bank of California since February 2022. Previously, Ruby held multiple positions at Paysafe Group from May 2016 to February 2022, including Credit Underwriter II, where responsibilities involved collaborating with the Sales Department, optimizing internal credit policies, and strategic improvements to onboarding systems. Ruby's earlier roles encompassed training initiatives, high-risk merchant analysis, and database management in credit underwriting. Furthermore, Ruby's background includes a Contract Project Coordinator role at Gatekeeper Systems, Inc. and an internship in accounting at Flour Daniels (Canada) Ltd. Ruby holds an MBA from Western Governors University and a Bachelor of Science in Business Administration with a focus on Financial Management from San Beda College.