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Melisa Sim is Senior Vice President and Manager of Consumer Risk Management at Wells Fargo Bank. Melisa is currently responsible for Customer Based Risk Management, creating opportunities for customer centric risk strategies across the bank, as well as transaction fraud risk strategies, collection strategies, and loan loss forecasting for the Consumer Risk Management Division. Previously at Wells Fargo Bank, Melisa served as Vice President and Manager of Credit Card Risk Management. Her responsibilities included account management and portfolio analysis and forecasting. Prior to joining Wells Fargo Bank, Melisa was the Senior Consultant at Credit Risk Management & Associates, Inc., where she provided credit risk management and data warehousing consulting to credit card issuers and other financial institutions. She also held various risk management positions at Citicorp Financial, Inc. Melisa holds a BA in Economics from University of Malaya, Malaysia and an MA in Economics from Ohio University. | 