Joanna Klimowicz

• Conducting credit analysis on large and corporate customers
• Investigating,reviewing and interpreting allavailable sources of credit and financial information
• Making recommendation regarding the extension of services
• Overseeing all communications with internal and external stakeholders
• Responsible for the investigation of credit risk,working closely with Fraud, Collections and other business units
• Monitoring customers accounts to detect changes that might affect their credit standing
• Preparing and presenting credit reviews for approval

• Implementation of Credit Underwriting and Procedures
Conducting full credit underwriting including assessment of merchant risk including PayPal Acceptable Use, Regulatory Compliance, Credit Card Compliance, Legal, Fraud and Credit risk
• Presenting detailed recommendations to management, Merchant Services and Business Units
• Interpreting and analyzing financial statements, business credit bureau reports, merchant processing statements, business history
• Calculating reserve and/or collateral requirements based on credit exposure
• Communicating indirectly with wide range of PayPal teams, merchants and vendors during credit underwriting process in a professional manner
• Performing ongoing monitoring of special accounts and portfolio in accordance with approval policies

• Prioritising of EU Merchants for review as per underwriting thresholds and risk categories.
• Liaise with the Account Management and Telesales teams.
• Review Compliance requirements for Country and Business categories.
• Review International Credit bureau reports, financial statements, merchant processing statements, business, history, background investigations,
• Calculate credit exposure to PayPal.
• Complete the Recommendation form. Escalate all key areas of risk potential to appropriate internal departments and management
• Working Golive request

Review PayPal Merchants applying for high risk products and features,
• Reviewed customers’ businesses (business documentation, websites, PayPal accounts) in regards to Compliance, Due Diligence, AUP, AML and Fraud issues
• Provided regular updates to management regarding trends and changes recognized during day to day Merchant Vetting activities
• Being responsible for daily reporting
• Being responsible for delivery of the task
• Acting as an escalation point for agents

• Basic knowledge of the chargeback process, card scheme regulations and or ACH returns.
• Limiting customer accounts when appropriate. .
• Effectively identifying problems and issues by performing relevant research using the appropriate tools.
• Being able to work chargebacks received under all reason codes
• Maintaining and promoting a positive attitude while meeting productivity goals.

• Answering phone calls, emails, case work from customers and work to resolve customer queries in real time or pass the information to the most relevant department so it can be dealt with appropriately
• Proactively recommending and educating the customer about features and benefits of products in order to improve their satisfaction and deepen their relationship with PayPal
• Providing consistent feedback regarding overall customer satisfaction, tools and processes

• General customer care, acting as a Merchandiser
• Ensuring that products appear in store at the right time and in the right quantities. Managing the performance of the ranges which involved analysing every aspect of the best and worst sellers, ensuring the best sellers are fully potentialised,