Tim Charboneau, Cams, Cfe Email & Phone Number

Jacksonville, Fl, Us

Jacksonville, Florida, Us

• Overseeing enterprise-wide fraud and authentication for a 14B dollar CU with over 900K members• Responsible for vendor oversight, testing and implementation, gap-analysis utilizing a fraud risk assessment, department audits, regulatory requirements and complaints, process and procedure review• Drive operational efficiency and service excellence by partnering with our advanced analytics group, automation group as well as the member experience groups• Coordinated with senior leaders within the organization as well as compliance and finance to help identify internal processes to help minimize losses and drive execution around these internal processes• Partnered with local and federal government agencies for prosecution and remediation efforts • 2023 lead to 28 federal cases that lead to an arrest • Areas of knowledge credit and debit card, check, wires, contact center, account takeover, identify theft, subpoenas, ACH, P2P, bill pay, credit reporting, digital authentication and cybercrime• Directly responsible for the integration of Lexis Nexis Threatmetrix • Through this integration we cut our third party fraud down over 65% at onboarding• Directly responsible for integration of SQN a check fraud application to address the skyrocketing check fraud • Since Oct of 2023 this has helped save $320K and improved member experience• Successfully managed fraud losses to continually drive profitability within the credit union• Adheres to all regulations across the financial industry• Proactively worked on team engagement activities and cultivated a team environment to drive career progression

Jacksonville, Florida, Us

• Managed 22 associates that perform 8 distinct desk duties• Successfully partnered with the internal teams to work on process improvements within the organization • Created and implemented the CIP/KYC validation process using SharePoint for the frontline and back office staff• Helped reduce outstanding aged business exceptions from 700 plus accounts to under 100 in under 60 days• Partnered with the digital team to help create a world class Online Account Opening process to help reach potential members living outside of our field of membership

Charlotte, Nc, Us

Charlotte, Nc, Us

• Manage and oversee every function within the Vendor Vault Service reconciliation • Manage multiple associates over multiple sites • Main focus was on risk assessment and mitigation, identifying gaps in the process and procedures and working with our business development partners to enhance our automation and reconciliation process within the line of business. • Enhanced our vendor relationship by visiting our major accounts on site for face to face meetings• Worked with internal business partners such as our sales team and onboarding/implementations team to accurately forecast our employee head count and keep updated on new products and features being offered in our cash360 recycler space.

Charlotte, Nc, Us

Obtained (ACAMS) Anti-Money Laundering professional certification October 2015 Served on the education committee to drive standard procedures across three remote locationsMonitor performance metrics and measurements related to individuals quality assurance scoresCreated policies and procedures for the KYC enhanced due diligence/refresh process of level one alertsCollaborated with business partners such as Money Service Business, Global Financial Crimes Compliance, Anti-Money Laundering and OFAC to ensure regulations complianceCompleted TRMS around suspicious activities

Charlotte, Nc, Us

Manage a group of individuals who are responsible for overseeing the daily settlement, monitoring and reconciliation of all Trading ledgers with regards to Domestic Mutual Funds, Money Markets, Alternative Investments, US Trust, and Precious Metals. Assist with relationship management duties for over 40 mutual fund companies. Participate in scorecard reporting for each fund and help facilitate with onsite fund visits. Work closely with internal business partners and product development to help onboard new products and initiatives.Hold one on ones with each employee in trade settlement to help advance and guide their careers.

Lombard, Illinois, Us

providing law enforcement agencies with a easy to use software application to help with community engagement and agency training for their officers

San Francisco, California, Us

Used effective leadership to motivate and generate enthusiasm among financial center team membersEstablished and maintained client relationships to ensure the highest level of customer satisfaction was metProfiled clients in each meeting to ensure they were in the most beneficial product Established trust with clients making it easy for them to inquire and understand new products being offeredMet and exceeded sales goals each month including checking accounts, acquiring "new-money" to the bank, loans, mortgages and investments through inbound and outbound callingInterviewed clients regarding their retirement needs and advised as needed Delivered and proactively sought feedback for improving personal as well as team performanceWorked with internal partners to achieve multiple goals as well as offered an array of products to clientsMentored new Financial Specialists

Initiated relationships with Builders, Realtors, and Financial Consultants to obtain clients and provide them with a home loan that suits their needsWorked in a fast paced environment where things needed to be done fast and accurately to have a successful closingBecame first home loan consultant with HomeBanc to become CMP (Certified Mortgage Planner) Certified

Protected the lives and property of the citizens of JacksonvilleInvestigated claims of citizens dealing with an array of different crimes while working unsupervisedReceived an award from Sheriff John Rutheford for having a high level of integrity and always doing the right thing (Riding for the Brand)Worked in conjunction with other local and federal agencies, investigators and state attorneys to see that cases were not dropped due to lack of