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Michael G. has a diverse work experience in the field of risk management and finance. Michael is currently working as the Senior Director of Fraud Risk Strategy (Bank/Card) at SoFi since 2022. Prior to this, they served as a Card Issuer Risk Committee Member at MRC | Merchant Risk Council starting from 2019.

From 2018 to 2022, Michael worked at PayPal as the Senior Manager, Card Risk Management. During their tenure, they led a team responsible for fraud risk and credit risk strategy, successfully launching multiple new PayPal merchant debit cards and virtual cards. Additionally, they implemented enhanced strategy frameworks that reduced net credit and fraud loss by over 50% on the consumer debit card portfolio.

Before joining PayPal, Michael was involved with Nacha as a member of the Risk Management Advisory Group from 2017 to 2018. Michael also worked as the Vice President, Card Risk Management at First Hawaiian Bank from 2016 to 2018, where they led a team in charge of credit and fraud risk losses. Notable achievements include implementing an over-limit risk approval strategy and redesigning the compromised card fraud transaction strategy.

Prior to First Hawaiian Bank, Michael held various roles at American Express. Michael served as the Director, New Product Development & Global Collections & Global ACH Risk Management from 2015 to 2016, where they led the team in developing and launching American Express Personal Loans and an innovative global ACH risk framework. Michael also managed U.S. Payments Risk Management as a Senior Manager from 2014 to 2015 and as a Manager from 2012 to 2014, optimizing card payment hold strategies.

Earlier in their career, Michael worked at Capital One as a Business Strategy Analyst, specializing in payment fraud risk from 2010 to 2012. Michael'sresponsibilities included implementing fraud prevention strategies and authentication strategies. Michael also evaluated and implemented fraud solutions to reduce ACH bustout losses.

Michael began their career as a Summer Analyst in the Investment Banking Division at Citi in 2009, where they conducted post-mortem reviews of IPOs and developed cost of capital analyses for convertible bond offerings. Prior to that, they worked as a Summer Intern in Risk Management Services at Arthur J. Gallagher in 2008.

Overall, Michael G. has extensive experience in risk management, fraud prevention, and strategy development across various industries and organizations.

Michael G. completed an Executive MBA at Quantic School of Business and Technology from 2020 to 2021. Prior to that, they obtained a Bachelor of Science degree in Finance from the University of Florida, starting in 2006 and graduating in 2009. Michael'seducation began at Miami Killian Senior High School, where they studied from 2003 to 2006.