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Click here or scroll down to respond to this candidateCandidate's Name
PHONE NUMBER AVAILABLE I EMAIL AVAILABLE I Tonawanda, NY Street Address
PROFESSIONAL SUMMARYEnthusiastic, extroverted, & driven professional with a high level of expertise in banking operations,customer service, strong communication &problem-solving skills that has a desire to learn & grow with willingness to commit to continuousimprovement & take on new challenges.EDUCATIONSUNY Buffalo State, Buffalo NY-B.A. inPublic Relations -December 2016SUNY Niagara County Community College,Sanborn, NY A.S. in Communication Studies-MAY 2014WORK EXPERIENCEM&T Bank, Buffalo NY- Banking Services Operations IV-Legal Document Processing June 2022-PresentComplies with legal orders while protecting customers' rights under exemption laws. Legal Research Account Management; Casework and Documentation;Compliance and Risk Management. Investigates debtors' relationships with the bank to determine account ownership and applicable exemptions. Analyzes accounts to identify potential legal holds based on court orders restraint & subpoenas.-Specific Paper types including: IRS Tax Levies, State Tax Levies, Writs, Labor Levys, Executions,Information Subpoena,Restraints, Levy Child Supports. Communication & filing: Communicating with attorneys and process servers to ensure proper filing and service of legal documents. This can involve confirming details, following up on delays, and ensuring adherence to court rules. Applies federal & state exemption laws to determine what assets cannot be seized. Prepares case files with relevant documents like screenshots and customer correspondence. Drafts customer letters explaining account restrictions and exemptions. Ensures adherence to M&T's risk management policies and regulations. Identifies and evaluates potential compliance risks to management. Maintains internal controls and addresses any audit findings. Applies exemption laws for all states M&T Bank operates in.exclamation Promotes diversity and inclusion in the workplace. Completes other tasks assigned by superiors. Ensuring M&T Bank complies with legal orders while protecting customers' rights under exemption lawsM&T Bank, Buffalo NY- Loss Mitigation SpecialistMarch 2021-May 2022Helping delinquent borrowers find solutions to get their mortgages back on track, while protecting M&T's financial interests and complying with regulation.Delinquency Management;Communication;Loss Mitigation Expertise: Company Culture Gathers financial information from delinquent borrowers to assess their repayment capabilities depending on specific conventional & non-conventional loan types such as but not limited to: Fannie Mae,Freddie Mac;FHA; VA loans;USDA loans Evaluates borrowers' situations and identifies suitable solutions for resolving delinquencies. Negotiates and establishes repayment plans for borrowers facing mortgage hardships. Handles incoming calls from various bank departments and delinquent borrowers regarding mortgage loans. Informs both callers and borrowers of state-specific regulations governing mortgage communication. Understands the priority hierarchy for distributing losses among mortgage investors. Identifies essential documentation needed for implementing loss mitigation strategies. Contributes to a work environment that fosters diversity and reflects M&T Bank's brand values.Capital Mitigation, West Seneca, NY CollectorJanuary 2018 - February 2021High-Pressure Call Center Environment;Debt Collection & Resolution; Skip Tracing and Due Diligence;Compliance and Training;Performance and Customer Service: Managed a high volume workload, handling 150-250 calls daily (inbound and outbound). Worked in a fast-paced environment where efficiency and quick response were crucial. Collected on defaulted payday loans from various lenders like Availblue, Safeloans, etc. Negotiated repayment plans with borrowers over the phone via a third-party system. Utilized Accurint, a multi-system tool, to locate debtors and perform background checks. Employed skip tracing techniques to find borrowers who have relocated or hidden their assets. Ensured adherence to the Fair Debt Collection Practices Act (FDCPA) guidelines during interactions. Provided supervision and training to staff on FDCPA regulations and collection practices. Achieved monthly collection goals set by the company's bonus structure. Strived to deliver exceptional customer service by exceeding expectations and resolving issues efficiently.Capital Mitigation,West Seneca, NY Point CallerJULY 2017 - JANUARY 2018Performance and Call Volume Collection Techniques;Collection Techniques;Compliance and Customer Service;Compliance and Customer Service: Achieved monthly goals set by the company's bonus structure, indicating a focus on productivity. Handled a high volume of inbound and outbound calls (250-300 daily), requiring excellent time management and communication skills. Employed aggressive methods (likely within legal regulations) to contact customers, possibly including skip tracing techniques to locate debtors who have moved or hidden their assets. Strictly adhered to company policies and procedures, encompassing IT security, data privacy, client standards, and legal regulations. Strived to deliver exceptional customer service despite the demanding nature of the role, aiming to satisfy customers even in difficult situations |
