Nicole Garber Email and Phone Number

In addition to my Business Analyst role, as a Senior Settlement Analyst I serve as the subject matter expert for my platform and am team lead for both teams on the platform. After working with various teams within settlement during the LEAD program I am well versed in debit, interchange rejects, ACH rejects, and chargebacks and assist those teams with inquiries. I also work escalated issues, and large scale issues as they occur, but am constantly seeking opportunities to expand the knowledge of my team and give them chances to lead projects and work issues. Looking at a problem from different viewpoints is key to being able to solve difficult issues efficiently and minimize long term impact. Instead of thinking locally, I think globally, and ask how can we prevent this from happening in the future? How can we leverage this incident to spur growth? Every day is a new challenge to overcome and learn from, and the industry is constantly changing, being an agile thinker and leader is key in my role.Projects:Designed and developed reconciliation for the new Omaha processes, created tools to enhance that balancing, and procedures for all portions of settlement. Created procedures to assist in moving a business line from one individual to a department more aligned to support the function.Worked on the Follow the Money project, documenting all funds movement files across the company, as well as a presentation to senior leadership on the status of the project.Currently developing reconciliation for an outside process where none existed previously.Overview:Transform processes, consolidating operational functions, maximizing valueCreate and enhance reconciliation toolsSupport project planning and project managementCoordinate across disciplines to enrich team knowledge and accelerate performanceSelected for Leadership Exploration and Development program 2021, designed and directed LEAD 2022, developed sessions for 2023

In addition to my duties as a senior settlement analyst, as a business analyst I take the lead on department issues and am involved in project implementation and testing. Additionally, I seek ways to improve processes, enhance existing processes, and coordinate across departments and locations to cross train, resolve issues, and develop solutions.Omaha Project:-Cross trained via GoToMeeting on all Omaha processes in addition to BCP settlement training-Created procedures and trained a team of volunteers to assist with Omaha volume and issues-Identified process improvements and suggested project requirements to improve settlement toolRotation Program:-Completing second year of settlement-wide rotation program-Serving as a mentor and point of contact for new members-Converted a platform to new metrics reporting tool-Initiating communication between projects and production team to increase knowledge of processes

Analyze large data sets, reports, and credit card transaction detail to ensure proper funds are delivered to merchants and banks. Daily reconciliation and balancing as well as funds transfer, and cash position assurance.Responsible for creating, consolidating, and updating procedures to facilitate and encourage cross training and decrease research time. Investigate potential process improvements to expedite processing and ease research.Responsible for the performance of my team and tasked with handling escalated issues. Train employees, attend conference calls and meetings, coordinate with other senior settlement analysts across departments to share knowledge and enhance processing.Rotation Program:Part of the inaugural Settlement Operations training program. Selected to collaborate with colleagues over the period of a year to solve department wide problems, brainstorm ideas, and develop solutions. -Established and currently maintaining settlement operations quarterly new hire training. -Saved $84,000 per year in reporting costs.Additional duties:-Research out of balances to isolate funding issues-Rectify differences in Excel workbooks and cash desks by pinpointing barriers -Connect with other departments to complete merchant transactions-Revise merchant set up issues to establish proper transaction flow-Manually send funds to merchants -Wire funds between settlement and operating accounts for large banks to maintain proper bookkeeping-Balance operating and fiduciary cash spreadsheets for use by accounting-Tie in knowledge of multiple operating systems to identify out of balances and account for any timing issues that may affect cash reporting at close of business day-Research accounting exceptions caused by a variety of issues to rectify books

Research and resolve to inquiries regarding commercial loans. Update, correct, and change loan information on the system. Process commercial loan modifications, book new loans, analyze reports, and work with impaired loans.Reviewed the highest percentage of loans on collateral review and conversion project, and completed other projects involving high volume loan file review. Consistently seeking to train in new areas and learn new aspects of commercial loan accounting.Additional duties:● Monitor daily reports for accurate payment posting and remittance● Review loan files for accuracy and to resolve affiliate inquiries● Test system functionality for new versions of software● Train new employees and cross train current employees ● Cross trained into impaired loans, loan booking, floor plans● Trained on the participation loan posting journal and participated and SBA loans● Calculate loan payments, run amortization schedules, reverse and reapply payments, other general commercial loan maintenance● Process payment arrangements, forgiveness of debt, move loans into impaired status, process bankruptcy maintenance● Make corrections to interest rates and recalculate principal and interest

Created timely and accurate orders for internal customers regarding file and document retrievals, pickups, shredding, and supplies. Answered customer inquiries and researched inventory.Completed a review and overhaul of the special accounts procedures.Trained new employees on medical and one time shred accounts.Consistently exceeded production goals.

Temporary position to help company during open enrollment period. During my short stay I made an impact with my coworkers, reorganizing spreadsheets and making suggestions to make the open enrollment process more efficient.Filing, faxing, copying, and other clerical duties. As well as creating and maintaining spreadsheets. Once production was finished for the day I would pull old files and extract information into the company database as part of a cleanup effort.

Mathematics teaching internship grade 7 Pre-Algebra and Algebra I. Applied my energy and excitement for teaching to high level mathematics students in middle school.Changed opinions on the difficulty of math and made it more appealing, instilling the knowledge that anyone can succeed at the subject.Created review games to foster retention, projects to add creativity to a not so creative subject, and promoted active learning including the use of dry erase boards and student led examples.

Mathematics teaching internship spanning grades 9-12. Algebra II and Introduction to Statistics. Contributed my extensive Algebra II knowledge gained from teaching the equivalent course in college to a difficult class that is required for high school graduation.● Designed lesson plans based on curriculum guidelines.● Created a variety of assessments tailored to real world problem solving.● Initiated various activities and experiments in the statistics class designed to get students interested in the subject matter and answer that age old question, "When will we use this in real life?"

Brought my enthusiasm for mathematics to a computer based developmental mathematics class that usually requires no teacher interaction. Helped prepare students to succeed in the mathematics classes required for graduation.Responded to student inquiries, created additional examples each day to complete at the beginning of class. Held extra study sessions to ensure students were prepared for the final exam and made myself available after class and outside of class for additional help.