Belinda Cardenas

Supported a variety of loan documentation duties on moderately complex loans to ensure compliance with company's policies and procedures for loan products. Interacted with immediate Loan Documentation team and functional area on routine process until Cash Flow.

Interpret Loan Documentation policies while analyzing applicant, property, and ordering all required verifications, and subsequent daily follow ups, manage pipeline by verifying and validating incoming documents to prepare for deadline cash flow dates.

My responsibilities at Wells Fargo bank are to resolve Fraud, Non-Fraud, Pin-ATM and ACH transactions. I give exceptional customer service by helping the customer thoroughly in how we will handle their claim and how it will be processed. I'm able to handle high volume calls, I'm required to multitask and navigate multiple computer systems with technical proficiency and engaging with the customer helps me understand what kind of disputes and merchant request should be followed by FDCPA regulations and possible charge back rights, including fees and provisional credits until end of investigation. I have met and exceeded monthly goals providing world class service and satisfaction to the customer's needs and requests.

Specialized in valid transactions verses fraud transactions for business card. Investigation of transaction history, from account holder to working directly with merchants to verify transactions from shipping information to matching codes and type of transactions, dates, addresses, type of past spending patterns. Specialized in charge back rights for recovery and minimizing recovery losses, rebilling before finality dates. Providing excellent communication skills, fast solving and decision making skills to resolve customers issues and recovery of non-fraud.

As a transitional Customer Service Specialists in Mortgage and Home Equity, I maintain high volume calls, Answering questions pertaining to areas of loan servicing including payment research, taxes, insurance, loan modifications, adjustable rate loans, Escrow analysis and balances. Researched and reviewed Mortgage and Home Equity loans by multiple computer systems to resolve complex customer issues and directed customer to other services to meet the customer's needs.

Met customer satisfaction and quality scores.

Always suggested extra help and helpful information.