Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Ricardo cruz

Summary

Accurate finance professional experienced in cash handling, transaction management and fraud prevention. Promotes bank products and services to drive revenue generation and customer loyalty. Persuasive in communication and analytical in solving customers' problems.

Overview

10
10
years of professional experience
1
1
Certification

Work History

Wire ACH Specialist

TransPecos Bank
San Antonio, TX
06.2024 - Current
  • Investigated discrepancies in ACH & wire transfer batches received from customers.
  • Processed incoming electronic payments and debits according to established procedures.
  • Generated monthly reconciliation statements detailing all transaction activity.
  • Assisted with the development of new policies and procedures for the department.
  • Performed ACH origination functions, including batch creation, balancing, and submission to the Federal Reserve Bank.
  • Compiled reports on all outgoing and incoming wire transfer transactions.
  • Collaborated with other departments to resolve complex issues related to ACH processing.
  • Posted journal entries in accounting software.
  • Maintained customer financial information and files.

Senior Tax Consultant

Fast Track Tax Services
01.2016 - Current
  • Utilized knowledge of tax law and software applications to correct or modify data with regard to proper tax reporting of income and deductions.
  • Identified potential tax issues and provided swift, effective solutions.
  • Reconciled tax accounts and payments while researching issues.
  • Identified opportunities for process improvements and integration of technology into tax reporting functions.
  • Informed clients of potentially beneficial products and services, resulting in additional business opportunities.
  • Analyzed information and assessed liabilities and deductions according to relevant tax code.
  • Interviewed clients to obtain additional information on taxable income and deductible expenses and allowances.
  • Calculated form preparation fees according to return complexity and processing time required.

Branch Complaint Escalation Specialist III

JP Morgan Chase
San Antonio, TX
09.2023 - 06.2024
  • Engaged in conversation with customers to understand needs, resolve issues and answer product questions.
  • Resolved over 8 cases per day to keep queue clear.
  • Exceeded established service goals while leveraging customer service, employee management best practices.
  • Maintained records of general customer service data as well as customer complaints and results using Care software.
  • Improved product knowledge on continuous basis to provide optimal service.

Debit Card Fraud Prevention Specialist II

J.P Morgan Chase Bank
02.2022 - 09.2023
  • Communicated with customers and company personnel, utilizing active listening and interpersonal skills.
  • Input information regarding fraud investigations into detailed reports for submission to clients.
  • Participated in group discussions with team members to develop new ways to combat fraud.
  • Connected patterns for underlying account associations to discover undetected fraud.
  • Conducted reviews of flagged transactions and reports that showed potential suspicious activity.
  • Used multiple data sources to derive end-to-end fraud performance metrics.

Customer Service Representative

All Web Leads
01.2021 - 04.2022
  • Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
  • De-escalated problematic customer concerns, maintaining calm, friendly demeanor.
  • Developed strong customer relationships to encourage repeat business.
  • Explained benefits, features and recommendations to maximize client retention.

Senior Member Relationship Officer

Security Service Federal Credit Union
01.2020 - 02.2022
  • Maintained confidentiality of bank records and client information, directed specific questions to appropriate branch personnel and exceeded customer service satisfaction ratings.
  • Leveraged customer service and sales abilities to consistently meet performance goals.
  • Identified transaction errors when debits and credits did not balance.
  • Transmitted orders to supply cash to meet daily needs.
  • Counted currency, coins and checks received to prepare for deposit or shipment to branch banks or Federal Reserve Bank.
  • Resolved problems or discrepancies concerning customers' accounts.
  • Performed special services for customers, ordering bank cards and checks.
  • Processed term deposits, retirement savings plan contributions and mail deposits within processing time limits.

Consumer Loan Underwriter

Southwest 66 Credit Union
12.2017 - 12.2019
  • Reviewed titles, insurance coverage and both automatic and calculated appraisals for loan property.
  • Illustrated concepts with charts and graphs showing historical and forecasted trends.
  • Evaluated financial, income and credit documentation to make loan decisions.
  • Facilitated on-time loan application completions by providing support to loan officers and processors.
  • Maintained strong pipeline of corporate clients by collaborating closely with partners.

Financial Sales Advisor

BBVA Compass
06.2017 - 12.2017
  • Generated monthly sales forecasts, analyzed actuals versus forecasts and implemented measures to increase forecast accuracy.
  • Evaluated company department goals and objectives with reference to sales revenue and profit targets.
  • Coached, motivated and developed team of direct and indirect reports to achieve full potential and meet business objectives.
  • Talked to clients to determine expenses, income, insurance coverage, financial objectives and tax statuses to develop financial plan.
  • Informed clients of financial services providing number of benefits and outlined potential risks.
  • Developed and maintained relationships with customers and assisted in generating sales opportunities.
  • Investigated financial resources and creditworthiness.
  • Discussed ideas and strategies to improve operational efficiency, adding value and aiding business performance for continuous improvement.

Senior Personal Banker

First National Bank
04.2015 - 06.2017
  • Expanded customer relationships by maintaining regular follow-up processes and rapport.
  • Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
  • Partnered with loan and mortgage officers and financial advisors to provide clients with optimal financial solutions.
  • Helped customers open and close accounts, apply for loans and make sound financial decisions.
  • Exercised judgment when dispensing information to maintain confidentiality of sensitive information.
  • Described promotional offers and used persuasive sales techniques to upsell services and convince clients to apply for additional banking services.
  • Educated customers on variety of retail products and digital solutions, enhancing customer experience.

Education

Some College (No Degree) -

Martin High School
Laredo, TX

Skills

  • Bilingual (Spanish}
  • Microsoft Office
  • Drake Tax Software Proficiency
  • Notary
  • Data Entry
  • Consumer loan Underwriting
  • Data Analysis
  • Valid PTIN
  • Tax Advisement
  • Tax Return Filing
  • ACH processing
  • Wire transfer management
  • Transaction reconciliation
  • Data analysis
  • Record keeping
  • Financial reporting

Certification

  • Google IT Support Certificate

Timeline

Wire ACH Specialist

TransPecos Bank
06.2024 - Current

Branch Complaint Escalation Specialist III

JP Morgan Chase
09.2023 - 06.2024

Debit Card Fraud Prevention Specialist II

J.P Morgan Chase Bank
02.2022 - 09.2023

Customer Service Representative

All Web Leads
01.2021 - 04.2022

Senior Member Relationship Officer

Security Service Federal Credit Union
01.2020 - 02.2022

Consumer Loan Underwriter

Southwest 66 Credit Union
12.2017 - 12.2019

Financial Sales Advisor

BBVA Compass
06.2017 - 12.2017

Senior Tax Consultant

Fast Track Tax Services
01.2016 - Current

Senior Personal Banker

First National Bank
04.2015 - 06.2017

Some College (No Degree) -

Martin High School

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