Welcome to Brazen Careerist!

Work History

• JPMorgan Chase & Co.
• HELOC Negotiator
• April 2010 to Present

• Complete knowledge of relevant federal regulations and/or the Fair Debt Collection Practices Act
  Negotiate payment arrangements on HELOC accounts 61-120 days in breach of contract
  Offer suggestions to customers on how to meet their obligations and advising them as to the possible consequences of not meeting the obligations
  Locate and contact customers by telephone and mail, handle moderately difficult skip-trace assignments, assess the individual circumstances and decide upon an appropriate course of action
  Develop restructuring plans to assist clients in resolving delinquency and avoiding foreclosure
  Pre-Qualify potential HELOC customers for Make Homes Affordable or Business as usual modification loans; pulling credit reports and determining housing ratios/debt to ratios
  Participate in call monitoring calibration sessions with upper management to review compliance assurance

• JPMorgan Chase & Co
• Senior Quality Review Analyst
• January 2007 to July 2009

• Investigates and acts as a third party mediator for International wire transfers (through Barclays Bank)
  Communicate with Relationship Managers through Barclays Bank giving status of money transfers
  Read and understand all wire transfer instructions via Swift or Fed messaging
  Review all incoming and outgoing Swift and Fed messages initiated by Investigative Analyst to ensure they are in compliance, relate to the requested information, and responding accordingly
  Assist in on the floor training of all new hires to ensure they are bought up to speed with senior investigators.
  Monitor all inbound and outbound calls via Witness Software
  Recommend training and process improvements to produce better skill sets
  Participate in calibration sessions with other sites and operation managers to ensure equal scoring
  Refer all suspicious activity to OFAC team
  Support supervisors providing effective coaching/feedback on investigative analyst

• The Hartford
• Personal Lines Claims Adjuster
• July 2005 to December 2006

• Interpret insurance policy and apply exposure of the claim to fulfill our obligations to the policyholder
  Investigate all exposures to determine cause, scope, and extent or damages and/or liability and possible subrogation potential
  Obtain facts to evaluate coverage, negligence, medical necessity and causation/damages
  Investigated claims by interviewing the claimant and witnesses, consulting police and hospital records, and inspecting property damage to determine the extent of the company’s liability
  Corresponded with or interviewed medical specialists, agents, witnesses, or claimants to compile information
  Ensured accurate and timely benefit payments and services, proactively manages claim costs and expenses
  Continuously analyze case facts and monitor activities in order to identify possible fraud and/or abuse, and/or third party liability throughout the course of the claim

• JPMorgan Chase & Co
• Senior Merchant Dispute Investigator
• January 2004 to July 2005

• Research and process charge back’s based on documentation cardholder’s supply to us via email, mail, and telephone while in accordance with Regulation Z
  Compose and correspond through written correspondence using business systems to secure additional documentation to ensure accurate outcomes
  Ensure merchants are complying with Visa® and MasterCard® regulation and ensure cardholders are aware of their rights as a consumer
  Focus on bank reversal recoveries and prevent loss/secure recoveries by negotiating settlements with merchants and consumers

• JPMorgan Chase & Co
• Loan Doc reviewer
• November 2002 to December 2003

• Review debt ratios and credit history to process new and used vehicle loans within the banks system
  Submit re-approvals for loans that come in over the approved amount
  Ensure all paperwork is provided with loan (i.e. lien guarantees, signed contracts, odometer readings, stips, etc.)
  Provide prompt and courteous customer service to dealers checking on the status of loan approvals, new rate programs, payment disbursement, buy rates, reserves earned and how
  Communicate with Dealer Relationship Managers (DRM’s) ensuring their customers are paid promptly and accordingly.

• JPMorgan Chase & Co
• Lease Servicing Specialist

• Make outbound calls using Mosaic/Avaya system dialer to current leasing consumers to offer special financing opportunities to purchase their current leased vehicle
  Used persuasive negotiating skills to help mitigate the market value loss on the vehicles by selling the off leased vehicles to customers/third parties versus of taking them back to auction
  Process credit application for consumers deciding to maintain ownership of their off lease vehicle
  Assist customers with the return of the off-lease vehicles; explaining pick up process, end of lease terms and conditions, inspection process, and return guidelines