Dimitar Ivanov Penchev
Sofia,Bulgaria
Summary
Seasoned Solutions Analyst experienced in large-scale project management and IT system analysis. Specializing in Risk systems and fraud detection with years of experience in transaction monitoring and system deliveries. Achieved operational efficiency and growth through analytical thinking, strategic planning, and process improvement. Focused on delivering innovative solutions in transaction monitoring and risk systems administration.
Overview
3
3
Languages
14
14
years of professional experience
Work History
Senior Solutions Analyst
Experian
Sofia, Bulgaria
03.2024 - 08.2026
- Delivered full administrative control and support for Experian's fraud and identification tool, Hunter, across EMEA and APAC.
- Management of client environments, client queries, system health checks and custom deliveries to new clients.
- Monitored loan and insurance requests, ensuring timely processing and compliance with client expectations.
Risk Systems Analyst
Crypto.com
03.2022 - 03.2024
- Managed administrative control of Crypto.com internal and third-party risk systems, acquiring portals, and money flow controls.
- Developed rules, optimized self-learning and AI models, and implemented controls over acquirer schemes to enhance fraud detection and sales performance.
- Company size: above 300
Integrations Manager Risk Systems
Notolytix
Bulgaria
07.2021 - 03.2022
- Designed and planned the system, integrated components, and built risk rules, self-learning models, and additional risk-related controls based on business needs.
- Managed comprehensive business integration and technical administration of Noto Risk Engine.
- Developed and implemented strategic plans for team operations and project execution.
- Coordinated cross-functional teams to enhance communication and workflow efficiency.
- Managed resource allocation to optimize project timelines and deliverables.
Risk Systems Business Consultant
IBS Bulgaria
Sofia, Bulgaria
03.2019 - 07.2021
- Developed and maintained full lifecycle of IBM SaferPayments risk management tool to enhance risk assessment capabilities.
- Contributed to specification and creation of multiple SaferPayments instances adopted by leading Bulgarian banks, improving risk management processes.
- Business sector: Accounting/Finance, Company size: 50 - 100
Risk and Fraud Analyst
SumUp
Sofia, Bulgaria
09.2019 - 02.2020
- Conduct daily transaction monitoring and ad-hoc analysis to identify root causes of fraud.
- Facilitated resolution of customer disputes for US merchants, enhancing merchant satisfaction.
- Investigated merchant charge-back cases to minimize chargeback risk.
- Supported daily operations by addressing risk and fraud inquiries from onboarding, compliance, marketing, and customer support channels.
- Assisted leadership in developing and updating fraud prevention policies and procedures to strengthen organizational defenses.
- Resolved customer disputes for US merchants by coordinating directly with involved parties.
- Assisted with requests for additional information from various stakeholders to facilitate investigations. from internal and external stakeholders, including Law Enforcement.
- Effectively manage competing priorities in a fast paced start-up environment while working under strict guidelines.
- Business sector: Internet/E-commerce, Company size: above 300
Risk Systems Analyst
Paysafe Group
Sofia, Bulgaria
09.2016 - 05.2019
- The main duty of the Risk systems analyst is the maintenance and administration of all current risk systems, including risk engines and 3rd party information enrichment services; Analyzing reports, real-time data flows and historical transaction data via SQL queries to conduct counter-risk measures by the creation of rules.
- Create rules and update system policies to counter current fraud patterns.
- Analyzed fraud and money-laundering trends and risk controls.
- Developed and refined procedures to reduce risk exposure for fraud and anti-money laundering detection.
- Liaised with IT to ensure optimal functioning of risk systems and enhance their effectiveness.
- Monitor current or emerging criminal activity trends and recommend strategies to protect the organization against them.
- Provide risk management services to cross-functional business teams.
- Research evolving fraud detection and prevention solutions and technologies.
Fraud Detection Specialist
PaySafe Group
Sofia, Bulgaria
07.2015 - 09.2016
- Maintained firm-wide established SLAs while responding to customer queries through Salesforce tickets.
- Investigate different fraud patterns.
- Handle chargebacks (including representation and analysis).
- Monitor and evaluate User activity (incl. documents).
- Facilitated communication with other departments to enhance collaboration and efficiency..
- Engaged with private and commercial users and external providers to provide necessary support and information..
- Handle compromised accounts and funds recovery.
- Provided extensive support to the fraud management domain to improve operations.
- Provided comprehensive support to the fraud management team to enhance operational effectiveness..
- Administered accurate records and documentation in fraud management processes.
- Business sector: Accounting/Finance, Company size: above 300
Billing Department Manager
Markets Traders /Positiva LTD/
Sofia, Bulgaria
03.2015 - 06.2015
- Monitor the deposit back offices of the trademark. Currently operating offices under the name: Sofia, Ramatgan(Israel), Haifa(Israel).
- Monitored and approved/refused deposits entering the system to ensure compliance and accuracy.
- Utilized business intelligence platforms like SolidSolutions, AlgoCharge, and YuuCollect to create and manage invoices efficiently.
- Identified authorization errors, deposit decline issues, and potential fraud to enhance security and prevent chargebacks.
- Monitored, collected, and created comprehensive reports for CEO, detailing payments, refunds, chargebacks, KYC, branch activity, agent commissions, and weekly/monthly settlements.
- Communicated regularly with third-party support teams to address issues and provide assistance.
- Business sector: Accounting/Finance, Company size: 50 - 100
Billing Department Associate
Mocha Host /Hosting well done LTD/
Sofia, Bulgaria
07.2014 - 02.2015
- Provided customer support through ticketing system, assisting users with hosting service inquiries and issues, preventing fraud, creating shared hosting plans, VPS, and cloud plans, managing domain name registration, renewal, and transfer, and coordinating resolution of complex customer concerns across a 24/7/365 schedule.
- Pending payments - issues, related to payments of services and wired transactions paypal / skrill /bank transfer.
- Activated new client accounts by processing orders and verifying information. - manual / new orders and existing client.
- Processed account cancellation requests submitted by clients to ensure proper account management.
- Calculated refunds for canceled accounts based on company policies and client requests.
- Provided customer support to end users through tickets by answering inquiries about services and resolving issues related to hosting services.
- Manually activated new orders for existing clients to ensure timely service delivery. - manual activation of new orders of already existing clients.
- Addressed issues related to pending payments for services and transactions. - issues, related to payments of services and wire transactions paypal / skrill / bank transfer.
- Conducted ID verification using Authorize.net and PayFlow Pro to assess suspicious transactions.
- Account Upgrades - Upgrade / downgrade / OS-change / server switch of existing hosting services.
- Calculated refunds for cancelled accounts based on company policy and client requests. - calculations of refunds for cancelled accounts.
- Sent calculated refunds to clients for account cancellations to maintain customer satisfaction. - sending of calculated refunds.
- Recorded support requests, prioritized and escalated them while following company processes.
- Business sector: Internet/E-commerce, Company size: 20 - 50
Agent Direct Sales
Blizoo Media&Broadband
Sofia, Bulgaria
05.2012 - 10.2012
- Initiated direct contact with new and existing clients to promote company services.
- Facilitated signing and renewal of customer contracts to ensure ongoing client relationships.
- Analyzed telecommunications industry trends.
Education
Bachelor's degree - Alternative Tourism
University of Forestry
SofiaProfessional - Chef
European Academy for Training and Development
SofiaProfessional - CCNA1
Technical Univercity
SofiaSkills
- Fraud detection
- Transaction monitoring
- Risk management systems
- Risk modeling techniques
- Anti fraud rules
- Rule building
- Data analysis
- Pattern detection
- System implementation
- Risk reporting processes
- Risk system control
Languages
- Bulgarian, Native
- German, Intermediate
- English, Fluent
Personal Information
- Citizenship: Bulgaria
- Date of Birth: 03/18/89
- Gender: Male
Languages
Bulgarian
First Language
English
Advanced
C1
German
Intermediate
B1
Timeline
Senior Solutions Analyst
Experian
03.2024 - 08.2026
Risk Systems Analyst
Crypto.com
03.2022 - 03.2024
Integrations Manager Risk Systems
Notolytix
07.2021 - 03.2022
Risk and Fraud Analyst
SumUp
09.2019 - 02.2020
Risk Systems Business Consultant
IBS Bulgaria
03.2019 - 07.2021
Risk Systems Analyst
Paysafe Group
09.2016 - 05.2019
Fraud Detection Specialist
PaySafe Group
07.2015 - 09.2016
Billing Department Manager
Markets Traders /Positiva LTD/
03.2015 - 06.2015
Billing Department Associate
Mocha Host /Hosting well done LTD/
07.2014 - 02.2015
Agent Direct Sales
Blizoo Media&Broadband
05.2012 - 10.2012
Bachelor's degree - Alternative Tourism
University of Forestry
Professional - Chef
European Academy for Training and Development
Professional - CCNA1
Technical Univercity