Kristin Hoyne Gomes

age ~52

from Moraga, CA

Also known as:
  • Kristin R Gomes
  • Kristin Marie Gomes
  • Kristin Te Gomes
  • Kristin H Gomes
  • Kristin R Hoyne
  • Kristin S
  • Margery Willner

Kristin Gomes Phones & Addresses

  • Moraga, CA
  • Fenton, MO
  • State College, PA
  • New York, NY
  • Phoenix, AZ
  • San Francisco, CA
  • Saint Louis, MO
  • Shawnee Mission, KS

Resumes

Kristin Gomes Photo 1

Kristin Hoyne Gomes

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Location:
San Francisco, CA
Industry:
Financial Services
Work:
Mrc / Merchant Risk Council Jul 2010 - Jun 2015
Americas and Global Advisory Board Member

Accertify, Inc. Jul 2011 - Mar 2014
Director, Account Management

American Express Jun 2006 - Jul 2011
Director, Global Fraud Risk Management

American Express Oct 2001 - Jun 2006
Senior Manager, International Fraud Risk Management

Wells Fargo Jun 1998 - Oct 2001
Assistant Vice President, Risk Management Consulting
Education:
Cal State East Bay - College of Business & Economics
Masters, Statistics
The University of Kansas
Bachelors, Bachelor of Science, Business
Skills:
Risk Management
Credit Cards
Analytics
Payments
Payment Card Processing
Debit Cards
Electronic Payments
Fraud
Financial Risk
E Payments
Payment Systems
Merchant Services
Business Analysis
Operational Risk Management
Saas
Strategy
Strategic Partnerships
Languages:
English
Portuguese
Kristin Gomes Photo 2

Kristin Gomes

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Kristin Gomes Photo 3

Kristin Gomes

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Us Patents

  • System And Method Using Enhanced Authorization Data To Reduce Travel-Related Transaction Fraud

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  • US Patent:
    8386376, Feb 26, 2013
  • Filed:
    Feb 9, 2005
  • Appl. No.:
    10/588811
  • Inventors:
    Kristin Hoyne Gomes - State College PA, US
    Stuart Goulden - Wharton NJ, US
    Vernon Marshall - Montclair NJ, US
    Sabyasachi Mohanty - Orissa, IN
    Ian Webb - Darien CT, US
  • Assignee:
    American Express Travel Related Services Company, Inc. - New York NY
  • International Classification:
    G06Q 40/00
  • US Classification:
    705 38, 705 5, 705 39, 235492
  • Abstract:
    Processes for reducing fraud risk in credit transactions, particularly those involving airline ticket purchases, include collecting the following additional transaction variables and their use in real-time authorization decisions: credit card holder name, reservation code, passenger name, origin city, destination city, travel date, routing description, class of service, e-ticket indicator, number of passengers traveling and carrier code. The additional transaction variables received during a transaction involving the purchase of airline tickets are passed, in addition to the transaction variables traditionally included in a real-time authorizations request, to a fraud risk evaluation model maintained by a financial institution or other entity responsible for authorizing a payment for the transaction. The fraud-risk models use historical behavior and optimal risk decision-making factors to authorize or reject the transaction in real time, without slowing standard authorization processing times.
  • Fraud Control When Granting Instant Credit

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  • US Patent:
    20070174184, Jul 26, 2007
  • Filed:
    Dec 29, 2006
  • Appl. No.:
    11/618423
  • Inventors:
    Stacey Crawford - Murray UT, US
    Danielle Crop - Phoenix AZ, US
    Glade Erikson - Glendale AZ, US
    Kristin Gomes - State College PA, US
    Sejal Vora - Scarsdale NY, US
  • Assignee:
    American Express Travel Related Services Company, Inc. - New York NY
  • International Classification:
    G06Q 40/00
  • US Classification:
    705038000
  • Abstract:
    Credit applicants may apply for instant credit, and use an instant account number (“IAN”) to make purchases after the instant credit has been granted. Fraud control methods may be used in authorizing the instant credit. When the IAN is issued to purchase airline tickets, it can be ensured that the applicant's last name matches the passenger's last name for the airline ticket being purchased, and that the ticket will not be renamed or sold. When the IAN is issued in conjunction with a partner's loyalty or rewards program, the applicant's account information with the rewards program is captured. It is ensured that the applicant has some tenure with the partner and that data submitted by the applicant is consistent with data on file with the partner.
  • System, Method And Computer Program Product For Authorizing Transactions Using Enhanced Authorization Data

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  • US Patent:
    20070192249, Aug 16, 2007
  • Filed:
    Dec 16, 2005
  • Appl. No.:
    11/303018
  • Inventors:
    Janet Biffle - Scottsdale AZ, US
    Danielle Domenica - Phoenix AZ, US
    Chanderpreet Duggal - Phoenix AZ, US
    Kristin Gomes - State College PA, US
    Stuart Goulden - Wharton NJ, US
    Chin Khor - Glendale AZ, US
    Vernon Marshall - Montclair NJ, US
    Sabyasachi Mohanty - Jersey City NJ, US
    Ian Webb - Darien CT, US
  • International Classification:
    G06Q 40/00
  • US Classification:
    705044000
  • Abstract:
    The present invention provides systems, methods and computer program products for authorizing transactions based on, at least in part on, enhanced authorization data. In one embodiment, enhanced authorization data is received in a request for authorization to accept a transaction instrument as payment. Examples of enhanced authorization data include an automatic number identification, an information identifier, an email address, a contact telephone number, a ship-to-name, ship-to-address, an Internet Protocol address, and a seller identification. A risk analysis is performed based, at least in part, on the enhanced authorization data to determine the risk of the request being associated with a fraudulent purchase. The risk may be calculated by comparing the enhanced authorization data with information stored about the transaction instrument or with historical transaction information. Furthermore, the velocity of transactions associated with the enhanced authorization data may be measured in calculating the risk.
  • Method, System, And Computer Program Product For Customer-Level Data Verification

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  • US Patent:
    20070284433, Dec 13, 2007
  • Filed:
    Jun 8, 2006
  • Appl. No.:
    11/448767
  • Inventors:
    Danielle R. Domenica - Phoenix AZ, US
    Rahul S. Siddharth - New Delhi, IN
    Chanderpreet Duggal - Phoenix AZ, US
    Pradeep V. Ramesh - Haryana, IN
    Janet L. Biffle - Cave Creek AZ, US
    Kristin Hoyne Gomes - State College PA, US
  • Assignee:
    American Express Travel Related Services Company, Inc. - New York NY
  • International Classification:
    G07F 19/00
    G06Q 40/00
  • US Classification:
    235379, 705 44
  • Abstract:
    A system, method, and computer program to reduce incorrectly declined transactions and improve risk calculation accuracy by reducing error probability during fraud detection. The tool first receives at least one data element as well as transaction account data and/or financial transaction instrument data. Then a customer is determined from a first record associated with the transaction account data and/or financial transaction instrument data. A record search is performed to identify at least one additional record associated with the customer. Finally, the data element is compared to the information contained in the additional record to create a comparison result that verifies a customer address. The comparison result may be used as an input to transaction risk calculations. The comparison result may also be provided to a merchant system and/or merchant for use in a decision-making process, for example, to verify customer identity.
  • Method, System, And Computer Program Product For Customer-Level Data Verification

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  • US Patent:
    20080314977, Dec 25, 2008
  • Filed:
    Sep 5, 2008
  • Appl. No.:
    12/205412
  • Inventors:
    Danielle R. Domenica - Phoenix AZ, US
    Chanderpreet Duggal - Phoenix AZ, US
    Janet L. Biffle - Cave Creek AZ, US
    Kristin Hoyne Gomes - Fenton MO, US
  • Assignee:
    American Express Travel Related Services Company, Inc. - New York NY
  • International Classification:
    G06K 5/00
  • US Classification:
    235380
  • Abstract:
    A system, method, and computer program to reduce incorrectly declined transactions and improve risk calculation accuracy by reducing error probability during fraud detection. The tool first receives at least one postal address as well as transaction account data and/or financial transaction instrument data. Then a customer is determined from a first customer record associated with the transaction account data and/or financial transaction instrument data. A record search is performed to identify at least one additional customer record associated with the customer. Finally, the postal address is compared to the information contained in the additional record to create a comparison result that verifies the submitted postal address. The comparison result may be used as an input to transaction risk calculations. The comparison result may also be provided to a merchant system and/or merchant for use in a decision-making process, for example, to verify customer identity.
  • Application Program Interface Based Fraud Mitigation

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  • US Patent:
    20120054101, Mar 1, 2012
  • Filed:
    Sep 1, 2010
  • Appl. No.:
    12/874063
  • Inventors:
    Chanderpreet Singh Duggal - Phoenix AZ, US
    Kristin Hoyne Gomes - Fenton MO, US
    Charles L. Kimes - Scottsdale AZ, US
  • Assignee:
    American Express Travel Related Services Company, Inc. - New York NY
  • International Classification:
    G06Q 40/00
    G06Q 30/00
  • US Classification:
    705 44
  • Abstract:
    A system and method for fraud prevention is provided. Specifically, an application program interface may be used in concert with an authorization request to process a transaction, to utilize fraud prevention tools. A system, method and/or computer program product for transmitting an authorization request to a financial institution and transmitting a request to utilize a fraud mitigation tool is disclosed. Additionally, a system, method and/or computer program product for providing value added services in the flow of data between a merchant and a financial institution is disclosed.
  • Software Development Kit Based Fraud Mitigation

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  • US Patent:
    20130013512, Jan 10, 2013
  • Filed:
    Sep 14, 2012
  • Appl. No.:
    13/620054
  • Inventors:
    Kennard Cloud - Phoenix AZ, US
    Marcel Leyva - Chandler AZ, US
    Chanderpreet Singh Duggal - Phoenix AZ, US
    Kristin Gomes - Fenton MO, US
    Charles Kimes - Scottsdale AZ, US
  • Assignee:
    American Express Travel Related Services Company, Inc. - New York NY
  • International Classification:
    G06Q 20/40
  • US Classification:
    705 44
  • Abstract:
    A system and method for fraud prevention is provided. Specifically, an application program interface may be used in concert with an authorization request to process a transaction, to utilize fraud prevention tools. A system, method and/or computer program product for transmitting an authorization request and a request for fraud services to a transaction account issuer is disclosed. The transaction account issuer may combine the authorization request and request for fraud services in order to create an authorization response.
  • Fraud Control When Granting Instant Credit

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  • US Patent:
    20130110562, May 2, 2013
  • Filed:
    Dec 21, 2012
  • Appl. No.:
    13/725792
  • Inventors:
    American Express Travel Related Services Company, Inc. - New York NY, US
    Danielle M. Crop - Phoenix AZ, US
    Glade R. Erikson - Glendale AZ, US
    Kristin H. Gomes - State College PA, US
    Sejal D. Vora - Scarsdale NY, US
  • Assignee:
    American Express Travel Related Services Company, Inc. - New York NY
  • International Classification:
    G06Q 10/02
  • US Classification:
    705 5
  • Abstract:
    Credit applicants may apply for instant credit, and use an instant account number (“IAN”) to make purchases after the instant credit has been granted. Fraud control methods may be used in authorizing the instant credit. When the IAN is issued to purchase airline tickets, it can be ensured that the applicant's last name matches the passenger's last name for the airline ticket being purchased, and that the ticket will not be renamed or sold. When the IAN is issued in conjunction with a partner's loyalty or rewards program, the applicant's account information with the rewards program is captured. It is ensured that the applicant has some tenure with the partner and that data submitted by the applicant is consistent with data on file with the partner.

Classmates

Kristin Gomes Photo 4

Kristin Gomes

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Schools:
JohnC.Fremont High School Los Angeles CA 1997-2001
Community:
Brenda Blakely, Darrel Beatty, Ronald Hart, Diane Johnson
Kristin Gomes Photo 5

Kristin Gomes

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Schools:
Deerfield Elementary School Edgewood MD 1995-1999
Community:
Herman Lantz, Peggy Stolka, Kelly Baker
Kristin Gomes Photo 6

Deerfield Elementary Scho...

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Graduates:
Kristin Gomes (1995-1999),
Samantha Fortney (1995-1999),
Megan Wroten (1983-1985),
Debbie Frank (1966-1970)

Facebook

Kristin Gomes Photo 7

Kristin Gomes

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Kristin Gomes Photo 8

Kristin Weber Gomes

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Kristin Gomes Photo 9

Kristin Gomes

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Kristin Gomes Photo 10

Kristin Gomes

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Myspace

Kristin Gomes Photo 11

Kristin Gomes (KristinKur...

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Kristin Gomes (KristinKurbstomp.)'s profile on Myspace, the leading social entertainment destination powered by the passion of our fans.

Youtube

Kristin Gomes, CNM, OB/GYN

Kristin Gomes is a Certified Nurse Midwife (CNM) at Saint Alphonsus He...

  • Duration:
    1m 2s

For my girl, Kristin Gomes 4/30/12

I love you Kristin :)

  • Duration:
    9m 15s

Kristin Velvet (Live from The Basement) - Def...

Defected YouTube is the home of house music with artists including MK,...

  • Duration:
    1h 2m 29s

Kristin's Resource Video

  • Duration:
    1m 39s

Kristin Smart: Arrests Made After Nearly 25 Y...

C O N T A C T: For Business Inquiries - TeamKendall@Vira... Send me...

  • Duration:
    1h 7m 20s

2021 Tesla Model Y Review! | Gomes Selling Ho...

Nickko & Kristen Gomes are a husband and wife real estate team helping...

  • Duration:
    5m 23s

Plaxo

Kristin Gomes Photo 12

Kristin Gomes

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Queenscliff, NSW, Australia

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