ALETHEA MARZETT
Westerville,OH
Summary
Detail-oriented Payment Solution Specialist with 12 years of experience managing financial accounts, resolving complex transaction errors, and ensuring strict regulatory compliance. Proven track record of auditing account histories and processing sensitive documentation with high accuracy. Eager to leverage strong analytical and risk-mitigation skills to support back-office efficiency.
Overview
12
12
years of professional experience
Work History
PAYMENT SOLUTIONS SPECIALIST
Bread Financial
Columbus, OH
02.2024 - Current
- Assisted a specialized team in managing outbound calls for high-balance credit card accounts over $1,000, negotiating payment plans and settlements, consistently meeting collection targets, and maintaining high productivity with an average of over 30 calls per hour.
- Utilize advanced skip tracing methods and conduct thorough account analysis to locate delinquent account holders and facilitate timely debt resolution.
- Ensure compliance with monthly reporting standards, enhancing departmental transparency.
- Incorporate leader feedback to refine data metrics, boosting collection success rates.
- Ensured strict compliance with state regulations in all communications and maintained accurate records, facilitating smooth audits and reporting.
Recovery Specialist
Bread Financial
Columbus, OH
02.2018 - 02.2024
- Ensured strict compliance with state regulations in all communications and maintained accurate records, facilitating smooth audits and reporting.
- Managed inbound and outbound calls for charged-off credit card accounts, negotiating payment and settlement arrangements that led to improved recovery rates and consistent achievement of recovery targets.
- Utilized skip tracing techniques to locate difficult-to-reach account holders, boosting inbound calls per hour and overall efficiency.
- Consistently met performance targets by handling charged-off credit card accounts efficiently.
Payment Solutions Specialist
Bread Financial
Columbus, OH
09.2014 - 02.2018
- Maintained accurate and up-to-date records of collection activities and customer interactions.
- Cultivated strong relationships with internal teams and external partners, promoting information sharing and driving improved collection outcomes.
- Managed 50-100 credit card collection accounts daily, ranging from 1-6 months past due, negotiating and establishing effective payment plans to ensure timely recovery.
- Maintained data metrics set by leadership to consistently meet performance targets and drive successful outcomes.
- Ensured compliance with all legal requirements by adhering to company, federal, and state regulations.
- Followed up with accountholders by phone on declined payments, achieving prompt resolutions and increasing payment recovery rates.
Education
Bachelor of Science - Accounting
Franklin University
Columbus, OH12.2025
Associate of Applied Science - Accounting
Columbus State Community College
Columbus, OH12.2024
Skills
- Banking Operations
- Customer Service
- Regulatory Compliance
- Account Analysis
- Financial Research
- Attention to Detail
- Microsoft 365
- Data Entry
Timeline
PAYMENT SOLUTIONS SPECIALIST
Bread Financial
02.2024 - Current
Recovery Specialist
Bread Financial
02.2018 - 02.2024
Payment Solutions Specialist
Bread Financial
09.2014 - 02.2018
Bachelor of Science - Accounting
Franklin University
Associate of Applied Science - Accounting
Columbus State Community College