Brenda Torres
Eden Valley,MN
Summary
Detail-oriented professional with extensive experience in fraud detection, customer verification, and compliance enforcement. Proven ability to implement processes that enhance security and improve customer engagement. Trustworthy, ethical, detail oriented with strong listening skills.
Overview
24
24
years of professional experience
Work History
Manual Credit Review & Fraud Representative
Bluestem Brands Inc.
St. Cloud, MN
10.2006 - 10.2025
- Processed Credit applications to open new accounts.
- Verified Sensitive and personal data provided on applications to confirm accuracy .
- Enforced security protocols within the organization to protect confidential customer information from unauthorized access or misuse.
- Evaluated existing procedures and implemented new processes designed to improve accuracy in detecting potential fraudulent activities.
- Monitored customer accounts for signs of fraud or other suspicious activities.
- Provided feedback to customers on the status of their claims and answered inquiries related to fraudulent activities.
- Investigated potential fraud cases by gathering and analyzing customer data.
- Served as primary contact for fraud claim inquiries.
- Coordinated with law enforcement and other external agencies to support fraud investigations and prosecutions.
- Implemented customer verification processes, significantly reducing the risk of fraudulent account creation.
Collection Representative
Fingerhut Direct Marketing
Saint Cloud, Minnesota
10.2004 - 10.2006
- Managed customer accounts and ensured timely payment processing.
- Assisted customers with payment plans and account inquiries.
- Communicated effectively with customers regarding overdue balances.
- Utilized company software to track payment history and account status.
- Educated customers on policies and available payment options clearly.
- Advised debtors on payment options and set up payment plans.
- Contacted customers to discuss and resolve past due accounts.
- Followed up on promises made by customers regarding payments or settlements.
- Reasoned with customers and attempted to negotiate full balance payments.
- Used effective questioning techniques to clarify why debtors were delinquent.
- Collaborated with other departments to resolve disputes in a timely manner.
Customer Service Representative
Fingerhut Direct Marketing
St. Cloud, MN
12.2001 - 10.2004
- Assisted customers with product inquiries and order placements.
- Resolved customer complaints through effective communication and problem-solving skills.
- Provided product recommendations based on customer needs and preferences.
- Educated customers about promotions and special offers to enhance sales.
- Answered customer inquiries and provided accurate information regarding products and services.
- Provided excellent customer service to resolve customer complaints in a timely manner.
- Developed strong customer relationships to encourage repeat business.
- Developed strong relationships with customers by providing personalized assistance and support.
- Assisted customers with product selection, ordering, billing, returns, exchanges and technical support.
- Maintained detailed records of customer interactions, transactions and comments for future reference.
- Informed customers about billing procedures, processed payments, and provided payment option setup assistance.
- Asked probing questions to determine service needs and accurately input information into electronic systems.
- Provided exceptional customer service to ensure customer satisfaction.
Education
Diploma - Theology
Emmaus Institute School of Theology
Collegeville, MN06-2023
High School Diploma -
Rocori High School
Cold Spring, MN05-2002
Some College (No Degree) - Criminal Justice
Rasmussen College
St. Cloud, MN Skills
- Fraud detection
- Customer verification
- Compliance enforcement
- Account management
- Payment processing
- Conflict resolution
- Effective communication
- Problem solving
- Detail orientation
- Customer engagement
- Fraud prevention
- Verbal and written communication
- Call management
- Active listening
- Critical thinking
- Problem-solving
- Detail-oriented
Languages
English
Native/ Bilingual
Spanish
Native/ Bilingual
Timeline
Manual Credit Review & Fraud Representative
Bluestem Brands Inc.
10.2006 - 10.2025
Collection Representative
Fingerhut Direct Marketing
10.2004 - 10.2006
Customer Service Representative
Fingerhut Direct Marketing
12.2001 - 10.2004
Diploma - Theology
Emmaus Institute School of Theology
High School Diploma -
Rocori High School
Some College (No Degree) - Criminal Justice
Rasmussen College