Integrated Risk Management Analyst
American AgCredit
Heather Cartwright is a Senior Enterprise Fraud Risk Analyst with deep experience protecting financial institutions from emerging fraud threats.
She leads enterprise-wide efforts to prevent, detect, and respond to fraud, combining data-driven analysis with practical controls that work in real-world operations.
Heather has directed complex investigations across lending and operations, turning casework into actionable lessons that strengthen organizational resilience.
A passionate advocate for fraud awareness, she designs and delivers education programs that equip staff at all levels—from front-line teams to senior leadership—to recognize red flags, escalate concerns, and “think like a fraudster” before losses occur.
