 Reviews transaction data and researches various internal and external systems to identify potentially fraudulent transactions Documents action taken and tracks status through resolution to provide a record of activity and support identification of trends or consistent issues Contacts customers by phone, mail, and email to verify transactions and resolve fraud-related account issues Serves as Fraud Subject Matter Expert and communicate with customers, merchants, financial institutions, law enforcement and Bank personnel to resolve potential fraud-related issues  Ensures activities comply with applicable laws and regulations impacting card fraud detection activities to protect Company and customer interests

 Continually met and exceeded a targeted $250K monthly collection goal Top Collector at American Express Legal Trained and supervised team to achieve the highest collected revenue  Facilitated training for FDCPA compliance, negotiation tactics, legal statues, and post-judgment remedies resulting in exceeding the targeted goal by $1MM twice in a 90-day period  Conferred with card members by telephone to determine reasons for overdue payments; reviewed the terms of their credit contracts, and determined the appropriate strategy for repayment Advised members of legal rights and provided strategies for debt repayment  Collected 120 days past due payments and handled 150 – 250 calls per day

 Contacted originating creditors, collection agencies, and state attorney offices to negotiate for a reduced settlement on delinquent or charged-off accounts on behalf of the client Reviewed client bank accounts to determine funds necessary to complete settlement and payment of company fees Negotiated commercial debt settlements due to merchant cash advances and devised payment plans for small businesses to pay back their lenders Calculated percentages for settlements according to company guidelines Gathered and submitted required documents for approval and payment of accounts Served as the client liaison during the enrollment for services Erased $500K in debt by negotiating with creditors, settling, or agreeing to a forbearance for a business owner owing $800K in merchant cash advances Tasked by management to take a role in welcome calls, resulting in a 98% increase in client retention

 Advised card members of their legal obligations, necessary actions, and strategies to repay their debt Determined reasons for delinquent payments and reviewed the terms of credit card contracts Followed up on leads, studied the debtors, and closed deals resulting in an average of $160K in monthly collections, which exceeded the monthly goal by 60K Collected $800K+ in 2016 Achieved Top Tier Collector at American Express Legal

 Handled inbound and outbound calls to assist clients with reservations and customer service issues. Maintained the client database and issued timely payment reminders and handled collections on delinquent units  Responsible for sales as well as truck and trailer reservations  Worked with the customers to deescalate tense situations and provide stress-free solutions, resulting in exceeding targeted monthly revenue in truck and trailer sales by 15-23% over a 24- month timeframe