Magali Rivera Email & Phone Number

Tustin, California, United States

Plans, organizes, and directs the data furnishing and credit dispute related activities of the credit union to ensure maximum accuracy, efficiency, and compliance. Monitors the performance of the team in all performance areas, including timeliness of responses and service measurements to ensure exceptional Member and team member service standards are upheld.Responsible for the credit reporting data furnished for consumer loans, credit cards, real estate securedloans/lines of credit to the 3 major Credit Reporting Agencies (CRAs) though partnership with internal ITresources or third-party vendors for all core systems. Oversees the accuracy and integrity of furnished data generated from each core system.Represent the interests of Members through sound, accurate credit bureau management practices withinrelated product/process/system change management initiatives. Represent FCRA compliance issues in key technology and operational projects, ensuring critical requirements are accounted for in businessrequirements and are addressed in project execution.Oversees the review and follow-up of error/metric reports from all major CRAs, the timely review and response to Member credit report disputes (both direct and indirect). Investigates and responds to complaints and concerns received by all organizational communication channels, including Voice of the Member, CFPB, Better Business Bureau, and others.Implements process controls within the department to ensure compliance with state and federal laws, as well as any other applicable regulation. Serves as liaison for internal and external audits, including the NCUA and CFPB, relating to department audit activities to ensure that department functions meet regulatory policies and guidelines.

Manager of Credit Administration and Support team, that handles Credit reporting, credit disputes administration support of Special Assets, Loan Resolution, charge off and delinquency reporting and processing debt cancelation claims/payments.

• Work closely with department manager in daily operations of consumer loan collection functions. • Gathers monthly reports for completed like, Consumer Debt Credit Dispute service events. • Listens and documents calls from the team for monthly call calibrations. Coaches and guides individuals in the team when necessary. • Assist manager with setting performance goals, best practices, and streamline processes. • Effectively researches, coordinates, and implements special projects as assigned. • Receives escalated calls from Repossession, charge off recovery, credit dispute, and bankruptcy teams.• Able to de-escalate calls. • Participates in interviews. • Assist new hires with access and log in information. • Assist in Manager’s absence as assigned.• Familiar with legal process in order to recommend accounts for legal action.• Facilitates team builders to increase morale.• Follows up daily on credit disputes, call back request, and other emails sent to the Loan Administration team.

• Reviews existing accounts with members with open bankruptcy. Reviews bankruptcy Ch7-13 dockets, plans, and schedules. • Familiar with various bankruptcy districts and local rules. • Secures the assets of Logix by filing proof of claims, prepares supporting documents for outside counsel for filing of motion for relief of stay or objection. Makes decisions as to what is to the best interest of the credit union when opening matters with outside counsel for legal action. • Receives inbound calls from bankruptcy members, internal customers, attorney and trustee. • In constant communication with internal customers requesting bankruptcy information, bankruptcy filings, or status of bankruptcy cases. • Highly knowledgeable of bankruptcy, understands charge offs, repossession, loan administration duties.• Provides answers and support to all units within Bankruptcy and Loan servicing, as well as member services, loan phone center, and branches.

• Research of debtor’s bankruptcy plan and review for terms of treatment. Review of contract, title, and current market value of vehicle. Investigate debtor assets and repayment of plan.• Determine if objection to valuation is needed. • Sends referrals to Wells Fargo counsel for objection to be filed with bankruptcy court. • Negotiate with both parties the appropriate valuation to resolve objection. • Review options for Wells Fargo to receive value of vehicle and determine the best outcome for each case. • Frequent communication with Wells Fargo counsel, Trustee, and debtor’s counsel. • Come to a resolution with both parties otherwise pursue for legal action if cost effective.Performed a weekly sort and distribution of bankruptcy court updates pertaining to Wells Fargo accounts. Delegated accounts to each specialist. Work closely with peers and management in review of policy and procedure. Participated in revision of Policy & Procedure due to the various bankruptcy court districts.

Master Of Science - Ms, Administration Of Justice And Security

Bachelor'S Degree, Criminal Justice And Security Minor In Management