Financial Service Associate with background in management, fraud analysis, and lending. Dependable professional with dynamic communication skills. Offering ten years of experience in the banking industry. Eager to contribute to team success through hard work, attention to detail and excellent organizational skills. Manages high-volume loan documentation in dynamic environments with high production. Expertise includes reviewing and validating personal, employment and financial histories. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills. Comfortable working independently or as part of professional team.
Skills
Strong problem solving and decision - making skills
Strong written and verbal communication skills
Organizational and priority management skills
Quality focused with attention to detail
Operations management
Investigating and research skills
Financial fraud detection
Proficient in Microsoft word, Excel, spreadsheet building
Ability to adapt to computer software programs and systems
Compliance and regulation knowledge
Customer service and communication
Data Collection and analysis
Strong leadership skills
Employee training oversight
Education
Gibbs College - NorwalkNorwalk, CTExpected in 06/2018 – –Associates degree: - GPA:
New England College of Business And FinanceBoston, MAExpected in 03/2021 – –Certificate of Completion:Principles of Banking - GPA:
Certifications
Connecticut Notary Public
March 2016 - Present
NMLS - licensed mortgage loan originator
March 2017 - Present
Work History
Citigroup Inc. - Mortgage Loan Processor Port Washington, NY, 08/2020 - Current
Mortgage loan processor with strong attention to detail
Knowledge in lending and processing mortgage applications for residential loans in fast -paced environment, while adhering to time restraints
Thorough in gathering documentation needed, verifying and examining information for accuracy, while serving as borrower’s main point of contact, and providing excellent customer service
Review data entry performed by borrower/ loan originators for accuracy and completeness
Maintaining communication with borrowers from time of application to time of closing, answering any questions and providing updates when needed
Entering required loan data into loan system accurately
Generate accurate and complete disclosures and regulatory notices, that are than delivered to borrowers in within required time frame
Collect and review all loan documentation to satisfy loan conditions, preparing file for underwriting, ensuring documentation is in order, accurate and complete
Order and review reports from outside vendors; including credit reports, verification of employment
Accurately calculate loans for Loan level price adjustments, making valid changes when necessary
Analyze and calculate income, assets, personal ,employment , and financial histories
Ensure that each application is complete, accurate, and cleared to close as quickly as possible to meet customer’s expectations
Arrowhead Credit Union - Fraud Analyst Redlands, CA, 01/2019 - 08/2020
Analyzed large amounts of data to find patterns of fraud and anomalies.
Knowledge of investigating various fraud threats across multiple payment/access channels and use of applicable software to mitigate threats
Conduct Suspicious Activity reporting, Filing, and Narrative writing in compliance with FINCEN
Conduct internal fraud investigations, including evidence gathering
Ability to recognize fraud patterns and trends
Demonstrates confidentiality, and self-confidence to conduct informational interviews with victims, witnesses and/or fraud suspects
Analyze alert reviews and Error Resolution processing
Develops and maintains relationships with various internal departments in order to collaborate on issues that impact areas outside of Loss Prevention
Communicate with Universities and administration to collaborate on fraudulent activity involving students for Financial Aid School Accounts
Monitoring various internal mobile deposit applications to help avoid losses in area of check deposit fraud
Monitor and review Charge back, and ACH returns
Identify suspicious or high-risk transactions to determine if there is risk to bank or customers
Host weekly meetings / Scribe meeting notes
Knowledge of all regulatory requirements associated with fraud investigations, such as Bank Secrecy Act, Uniform Commercial Code, Regulation CC, Regulation E
Mouser Electronics - Sales and Service Supervisor Mansfield, TX, 03/2011 - 01/2019
Experienced Supervisor overseeing bankers and providing ongoing training for both new hires and seasoned employees. Leading and motivating bank staff to maximize sales opportunities and increase depth of customer relationships, and retention. Providing customer service and serving as example. Constantly looking for new ways to increase services that are offered to customers. Serving as banks first line of defense, ability to solve problems and make impactful decisions. Daily coaching and identifying opportunities for improvement. Motivating bankers to reach and exceed goals, while also reaching and exceeding own individual goals. Communicating performance expectations using measurement reports with associates.
Produce sales and generate referrals using various methods including; cross selling, relationship selling, outbound calling, and product marketing, promotion campaigns
Meet individual monthly/ quarterly sales goals, while coaching peers to meet and exceed their goals
Supervise bankers on daily operations
Review proof work, giving authorization and override approvals
Collaborating with management to identify staff development needs and follow through with appropriate coaching and training needs
Performs all of duties associated with providing quality, accurate and friendly customer service
Open new checking, savings, deposit and investment accounts
Processing, and closing of real estate loans including; Home equity loans and lines of credit
Processing personal and business loans, lines of credit, and credit cards.
Solely responsible for researching and adjusting customer accounts for any type of fraudulent activities for Debit Cards, fraudulent Checks, or unauthorized ACH Withdrawals.
Processing customers fraud claim disputes
Providing approval on questionable items
Auditing- and quality assurance
Daily balancing of vaults
Ensuring proper retention of all documents
Tracking all teller differences, while monitoring disciplinary action when necessary Enforce teller operating procedures
Continuously Ensure adherence to policies and procedures
Knowledge of compliance of federal and state regulations
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