Terri Ricks Email & Phone Number

Kennesaw, Georgia, United States

•Perform complex judgmental reviews of high-risk credit card activity to maximize approval of legitimate transactions•Minimize client impact at the point of sale, identify fraudulent activity and restrict account activity when necessary to avoid further risks•Provide resolution by providing fraudulent claims•Develop a wealth of knowledge and transferable skill sets on current fraud trends and risks mitigation techniques

Georgia, United States

•Monitored Retail ATM/Debit Card client's account activity for potential fraudulent activity including identity theft, account take over, friendly fraud, and other identified risks.•Worked directly with customers and internal departments to research and confirm validity of all charge backs. •Prevented fraudulent activity by identifying fraud trends that lead to a decrease in fraud loss to the bank by nearly 75%.•Promptly resolved client inquiries and complaints •Provided restitution by submitting billing disputes and fraudulent claims•Developed a wealth of knowledge and transferable skill sets on current fraud trends and risk mitigation techniques.

Kennesaw, Ga

•Contacted assigned customers regarding their charged off account(s).•Secured payment or the return of leased product(s).•Researched customer information, including skip tracing functions, and documenting the updated information in the collection software module.•Communicated with Aaron's customers, store and regional management by telephone to determine the reason for overdue payment, reviewing terms of sales, service, or lease agreement(s) with the customer in the attempt to resolve nonpayment issues.•Established and maintains effective and cooperative working relationships with Aaron's customers, stores, and regional management for the purpose of reducing losses due to charge offs/bad debt.

Marietta, Ga

• Responsible for the collections of unpaid consumer debt or 3rd party merchant receivables• Contacted the proper party (manually or via automatic dialing system), described the debt and solicited payment arrangements for the accounts in compliance with applicable regulations and established policy and procedures.• Established rapport in order to overcome objections and negotiate payment of the debt• Documented all discussions and actions in the collections system or database• Confirmed payment arrangements and finalized the calls• Worked special projects as assigned

Alpharetta, Ga

•Scheduled 60-80 lab appointments(daily) and sell lab tests to customers, franchisees, business partners, and internal contacts•Provided consultation to customers, and documents 100% of call details in the case management (ticket) system•Documented customers complaints and provide reports to franchise representatives•Ensured customers are transferred to the appropriate lab store locations effectively •Created and prepares monthly team incentive contests and awards

Greater Atlanta Area

•Provided business analysis and trends reporting for Bureau Of Labor Statistics•Supported the (CES) Current Employment Statistics organization. •Gathered 100-150 customer data and requirements for key staffing functions using the (BLS) Bureau of Labor Statistics applications that span through hundreds of data collection activities with customer code calls.•Refined contact information for 30-40 enrollments of new reporters each month•Managed assigned workloads of over 400 cases and met established monthly deadlines •Successfully rolled 25-30 respondents to alternate collection methods as appropriate •Enrolled 30-40 companies into the CES survey consisting of single and multi-units•Processed confidential data records obtained through telephone interviews, or other electronic media •Performed editing and reasonableness testing in accordance with established Center standards•Reviewed error messages and correct data where applicable, or redirect data for error correction•Created and maintained team calendar and scheduler to coordinate workflow and meetings

Kennesaw, Ga

•Fulfilled a broad range of Credit Card functions, including financial direction and training of credit card customers, administered account balances, referrals, rescheduled payment plans, overseen and worked with credit card resources and updated findings to customer credit data records. •Resolved 95% conflicts between credit customers and billing data departments•Coordinated credit card remedies and resolutions with customers through fair payment scheduling•Performed impacting financial direction to 100% new credit card customer accounts by increasing credit card extensions by 80% to customers with outstanding credit history and balances.•Worked on the Proactive Solutions Team to reduce the Bank’s losses due to bankruptcy, increased revenue and rebuild Card Members trust on Consumer and Business accounts•Performed 100-120 inbound and outbound calls to Card Members on their current and past due credit card accounts•Educated Card Members of the effects of bankruptcy-ensuring that the policies are strictly followed

Greater Atlanta Area

•Handled account processing for premium customers with money markets, CDs, IRAs, Mortgage loans and equity lines of credit •Resolved problems, complaints or errors related to customers’ accounts•Researched and remedied fraud transactions (100-150 accounts daily) related to checking, savings, and bank card accounts. •Performed research requests and refunded fees as appropriate and authorized•Utilized effective call handling strategies to diffuse irate callers and satisfy customer needs•Processed change of requests on all system applications and products such as installment loans, depository accounts and bank card systems•Utilized best practices as a guideline for policies and procedures •Recognized customers’ needs as an opportunity to sell additional products and services

Business Admin/Management

Bachelor Of Science - Bs, Business Human Resources