Robert Garner Email & Phone Number

Birmingham, Alabama, United States

- Review wire documentation for completeness and accuracy, ensuring all wires have been properly authorized by working with other departments to authenticate wires with the originator.- Follow security and operational control procedures for the wire transfer systems.- Ensure all outgoing wires are processed within the established wire procedures and controls.- Closely monitor all outgoing wires for potential fraud. Notify potential suspicious activity to the BSA/AML Officer. Adhere to bank policies and procedures regarding risk of wires received through online banking platform.- Verify customers through OFAC for possible suspect matches.- Reconcile wire systems at the end of the day to ensure accuracy of balances and posting of wires.- Complete online wire set ups as follows: set-up customer wire templates, customer call-back verification agreements, and wire notification by e-mail or fax.- Review ACH reports received from online customers and place holds on customer accounts in a timely manner.- Prepare various spreadsheet and database reports according to prescribed schedules and procedures.

Birmingham, Alabama Area

• Process all forms of initial premium payment for the New Business department including credit/debit cards, checks, bank drafts, ACH receipts, and wires. • Reconcile reports daily for credit/debit card payments and refunds to ensure bank deposits are processed accurately. • Review items in Money/Money Follow Up Queues to request needed documentation and communicate with field contacts to resolve payment issues per company acceptable money guidelines and state specific insurance laws. • Review bank draft return notification report daily to timely adjust accounting and notify key contacts in attempt to avoid policy lapse. • Work monthly SOX report to research and reconcile all outstanding outages for new business to ensure company compliance with Sarbanes Oxley standards. • Reply to emails received in team inbox with a 2 hour turn around time to address complex questions (internal & external), rush priority payments, and properly file transmittals received for incoming wires/ACH payments. • Start recovery efforts through email, correspondence, and phone calls when over-payment found in reconciliation of reports • Fields phone calls forwarded from customer service to process payments and address complex questions • Train newer team members on all processes necessary for Staff Accountant function

Homewood, Al

• Utilize Black Knight Financial Services /MSP to verify borrower loan information, stops and flags, notes and to also input/update/delete data• Analyze business financial statements• Review chapter 7, 11, 12 and 13 bankruptcy documentation for the intentions of the plan• Responsible for responding to and/or researching and resolving escalated, high dollar, or high profile inquiries and complaints requiring special handling and that may have been forwarded by the management committee members, agencies, and/or business chain of command • Cross reference payments as applied by the servicer (from a transaction history spreadsheet/LPS) to the intended application of funds disbursed by the trustee (per NDC.org)• Analyze transaction quality/deficiencies, risks, and offsets and recommends solutions• Performs intake to determine appropriate course of action, conducting investigative steps to fully identify the issues, researching product information, terms, conditions, contracts, etc., creating correspondence as needed, processing complex and/or corrective transactions on-line (including monetary and non-monetary actions).• Communicates with others (including customers, merchants, clients, executives, agencies, regulators, bankers) to ensure resolution/negotiation of sensitive and/or time-critical matters• Generates reports and summarizes results utilizing an Excel worksheet that consist of math formulas• Performs team leadership, provides work direction and acts as a mentor to lower level team members• Provide quality assurance audits for lower level team members before recommendations are implemented downstream

Birmingham, Alabama Area

• Reviewed financial statements, credit reports, and evaluated applicable ratios on mortgages with borrowers falling delinquent or in active foreclosure in attempts to modify their loan• Ensured documents were consistent and upheld government guidelines while implementing fraud detection techniques• Contacted customers and partners to gather information or further documentation to make appropriate decisions • Provided detailed explanation of rationale behind credit decision in system of record • Worked as part of the only team assigned to underwrite Massachusetts Foreclosure Avoidance flagged loans for the entire FHA Home Preservation department of WFHM• Worked on a four-person specialty audit team reviewing documentation obtained by specialists, as requested by underwriters, after the initial review to decrease cycle time by addressing issues with the new documents immediately

Birmingham, Alabama Area

• Filed automotive insurance claims in an inbound call center environment while adhering to state by state insurance guidelines• Addressed inquiry calls to resolve issues on active claims including situations with rental vehicles, loss payments, and damage inspections• Acted as subject matter expert in the areas of average handle time and after call waiting to better customer service for my team• Led specialty outbound contact team to decrease cycle time and close claims efficiently• Reviewed call recordings with specialists for quality assurance and provided advice in areas of opportunity noticed

Birmingham, Alabama Area

WELLS FARGO HOME MORTGAGE Homewood, AL• Reviewed loan applications and documentation to verify data was complete and met company standards• Worked with loan exceptions, figured payments; answered inquiries concerning mortgage loans, and serviced calls from customers• Collaborated with underwriters and other authority to resolve application issues• Ensured accurate and complete packaging of loan documentation and expedited the mortgage loan process• Effectively communicated with originator of loan and followed up with immediate information needed for the process

Bachelor Of Science (Bs), Human Environmental Sciences

High School, General Studies