MIKO PENAFLOR
Financial Crime Analyst | AML/KYC | Payments Risk | Fraud Detection | Transaction Monitoring
Mandaluyong City
Summary
Senior Risk & Fraud Analyst with 8+ years of experience in iGaming and payments, progressing
from frontline fraud detection to Level 2 decision-making and later expanding into AML
compliance and process improvement. Experienced in high-volume transaction monitoring,
chargeback management, and financial crime investigation, with a strong focus on preventing
losses and identifying fraud patterns.
Skilled in Enhanced Due Diligence (EDD), risk assessment, and compliance screening, with
proven experience mentoring analysts and improving investigation workflows in fast-paced
environments.
Overview
9
9
years of professional experience
Work History
Compliance Analyst
KMC
09.2021 - 06.2025
- Conducted Enhanced Due Diligence (EDD) on 20–30 accounts monthly, including
- high-risk and VIP profiles, mitigating regulatory risk and ensuring AML/KYC compliance
- Reviewed 20–30+ daily alerts, identifying suspicious activity and reducing exposure to
- potential money laundering risks
- Investigated and filed 2–3 SARs/CTRs daily, ensuring adherence to regulatory
- requirements
- Conducted sanctions and PEP screening using LexisNexis and FrankieOne
- Analyzed customer technical data (IP, device, location) using GeoComply to detect
- anomalies and enforce jurisdictional compliance
- Performed gap analysis on internal controls, improving compliance processes
- Developed standardized fraud review procedures
- Trained and mentored 5 junior analysts
Senior Risk Analyst (Chargeback Management)
William Hill Online
09.2019 - 09.2021
- Operated as a Level 2 decision-maker on escalated high-risk accounts
- Reviewed 80–100+ daily alerts using FeatureSpace (above team average), identifying
- fraud patterns early
- Managed multiple queues including:
- ○
- 40–50 escalations/day
- ○
- 20–60 reported fraud cases/day
- Conducted 10–15 daily chargeback representments, improving dispute outcomes
- Applied sanctions to 10–20 high-risk accounts daily
- Reviewed 10–15 document verification cases daily
- Handled 3–5 RFIs daily supporting bank investigations
- Collaborated with cross-functional teams to resolve complex fraud cases
Risk & Fraud Analyst
William Hill Online
05.2018 - 09.2019
- Processed 60–80+ daily alerts using FeatureSpace
- Conducted initial fraud assessments and escalations
- Monitored transaction behavior for fraud patterns and anomalies
- Performed document and account verification checks
Customer Support Representative
William Hill Online
06.2016 - 05.2018
- Provided multi-channel customer support
- Assisted with payments, account issues, and transactions
- Built foundational understanding of customer behavior and payment systems
Education
Bachelor of Science - Information Technology
03-2016
Skills
Fraud Detection & Prevention
AML / KYC Compliance
Financial Crime Investigation
Transaction Monitoring
Chargeback Management
Risk Assessment
Data Analysis & Reporting
Process Improvement
Training & Mentorship
PERSONAL PROFILE
I’m someone who naturally gravitates toward understanding how things work, especially when it comes to patterns, systems, and decision-making. I value consistency, attention to detail, and taking a structured approach to solving problems. Outside of work, I enjoy strategy-based games that involve planning and tactical decision-making, as well as playing guitar.
Timeline
Compliance Analyst - KMC
09.2021 - 06.2025
Senior Risk Analyst (Chargeback Management) - William Hill Online
09.2019 - 09.2021
Risk & Fraud Analyst - William Hill Online
05.2018 - 09.2019
Customer Support Representative - William Hill Online
06.2016 - 05.2018
STI College Alabang - Bachelor of Science, Information Technology