Fumi Y.

• Led to build an AML/CFT system from scratch aiming for Financial Services Agency approval • Functional/non-functional requirements definition skill for AML/CFT system

• Investigations of accounts that match a blacklist and the economic sanctions list published by each regulator during membership onboarding process • Implementing accurate verification at the time of transactions in response to an escalation from a first line such as forged documents and impersonation(EDD) • Based on an analytics of chargebacked transaction, setting a threshold of transaction monitoring and optimizing rules of anti-fraud system • By denying chargebacks with investigation reports, succeed to decrease chargeback amount by 30 % • Implementing investigations and measures against fraudulent transactions such as caused by credit master • Conducting transaction monitoring and leading BPO of monitoring fraudulent transactions

• Being responsible to manage fraud detection system, such as analyzing big data, measuring data and making execution plans, continuous updating to the latest fraud techniques • Reduced the monthly amount of chargeback from 5 million yen of 2018 to 500,000 yen of 2021 • Led the fraud detection system improvement project from rule-based type to Machine Learning type. In order to make ML get in orbit, identified the features of fraudsters or resellers among miscellaneous transactions and made effective data for Machine Learning with team members continuously for over 2 years • Claim handling to stores sustained by the credit card chargeback • Led to launch a new credit card chargeback incidents insurance for stores on EC platforms as a coordinator, and stores’ satisfaction increased. Articles of this insurance were featured in several • Got awarded month MVP for the most effective insurance and system implementation on March, 2018

Managing 10 members as a team leader, while processing following-up of existing stores (approx.8000 stores), achieved to launch new projects; • Led BPO of the store-opening operation on EC platforms, increasing processing capacity from 200 stores to 1,000 stores per month • In order to develop a new store opening plan, led to make requirement definition and created a new operation flow • Got awarded quarter MVP for a new store opening plan, developed in a short period with high accuracy on second quarter, 2017 • Got awarded month MVP for completing debt processing to all stores in EC platforms, which were brought by business unit transfer from DeNA to KDDI on April, 2017

While promoting following-up of existing stores which included monthly payment processing, administered store-opening operation which made numerous accounts on EC platforms, with 6 team members

Engaged in E-mail marketing which included writing E-mail, setting a mail to e-mail system, measuring customer’s visit and purchase, feedbacking to fashion suppliers

・Launched a new EC fashion site which was expected to attract F1 layer from sister site of “Mobage” ・As an owner of the site, did anything like fashion brands acquisition, purchasing, inventory control, photo-shooting arrangement, marketing, writing E-mails, handling customers’ claim etc., besides business development →As an effective marketing measure to F1 layer, created collaboration T-shirts with the blockbuster animation title “Neon Genesis Evangelion” and published a press release; https://dena.com/jp/press/620/ →At first year, achieved annual sales target (100 million yen) and led to 200% growth at second year

・Joined as a new graduate and assigned abroad (Hong Kong) as an expatriate from 2002 to 2003 ・Led corporate sales as a team leader (3 members), handling OEM business of “MUJI” as fashion accessories supplier for over 5 years