Summary
Overview
Work History
Education
Skills
Timeline
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Christopher Caraco

Lockport

Summary

Comprehensive Operations Leader and Executive with over 15 years of experience spanning financial services, debt recovery, and corporate management. Proven track record in full-spectrum business oversight, including HR administration, payroll, and legal compliance. Expert in scaling operations through rigorous auditing, employee development, and the implementation of robust risk management protocols.

Overview

12
12
years of professional experience

Work History

Loss Mitigation Specialist 2

M&T Bank
Getzville, NY
12.2022 - Current

Internal Training & Onboarding: Facilitate comprehensive training programs for new hires, ensuring mastery of internal systems, workflow, and compliance protocols.

Real-Time Helpline Management: Serve as the primary point of contact for an internal support line, providing immediate procedural solutions to specialists while they are live on calls with clients.

Subject Matter Expertise: Act as a floor lead to resolve complex account escalations and navigate high-stakes mortgage relief options.

Portfolio Oversight: Manage a specialized queue of delinquent mortgage accounts, identifying optimal financial solutions while maintaining 100% adherence to FDCPA and CFPB standards.

Reviewed and processed loan modification applications for compliance and accuracy.

Analyzed borrower financial situations to recommend loss mitigation options.

Loss Mitigation Specialist 1

M&T Bank
Getzville, NY
04.2021 - 12.2022

Managed a high-volume queue of hundreds of delinquent mortgage clients, providing relief and executing foreclosure assistance while maintaining strict regulatory compliance.

Analyzed borrower financial situations to assess eligibility for loss mitigation options

Coordinated communication between borrowers and internal departments to facilitate resolution processes.

President

River Tree Recovery Group
Gasport, NY
05.2019 - 08.2020

Full-Cycle HR & Administration: Directed all Human Resources functions, including recruitment, onboarding, and the management of payroll systems for the entire organization.

Compliance & Legal Auditing: Conducted rigorous auditing of recorded calls to ensure strict adherence to regulatory standards, preparing and submitting detailed reports to legal counsel for final compliance certification.

Operational Strategy: Revitalized business plans to modernize procedures, resulting in increased profitability and streamlined workforce efficiency.

President

Meridian Capital Management
Gasport, NY
06.2018 - 05.2019

Executive Oversight: Led on-site management of all employees, fostering a high-productivity culture through direct mentorship and performance tracking.

Infrastructure Management: Managed the company's financial health, overseeing expense control, revenue growth, and daily operational budgets.

Strategic Recruitment: Spearheaded the talent acquisition process, from initial interviewing to final onboarding and training.

Director of Operations

Meridian Capital Management
07.2017 - 06.2018

  • Data-Driven Leadership: Designed a company-wide analytics tool to track client-specific metrics, financial performance, and site management.

  • Audit & Quality Control: Implemented a system for auditing workflows to eliminate inefficiencies and reduce knowledge gaps across the production floor.

Director of Operations

Lockwood Asset Management Group
Lockport, NY
03.2014 - 05.2017


Data-Driven Leadership: Designed a company-wide analytics tool to track client-specific metrics, financial performance, and site management.


Audit & Quality Control: Implemented a system for auditing workflows to eliminate inefficiencies and reduce knowledge gaps across the production floor.

Education

Paralegal Studies

Bryant & Stratton College
NY

High School Diploma -

Lockport High School
Lockport, NY

Skills

  • Executive Leadership: On-site Management, Strategic Planning, Business Development
  • Human Resources: Payroll Administration, Onboarding, Employee Relations, Recruitment
  • Compliance & Risk: Legal Auditing (Attorney Submissions), FDCPA/CFPB, Quality Assurance
  • Operations: Real-Time Problem Solving, Analytics Tool Design, Process Improvement

Timeline

Loss Mitigation Specialist 2

M&T Bank
12.2022 - Current

Loss Mitigation Specialist 1

M&T Bank
04.2021 - 12.2022

President

River Tree Recovery Group
05.2019 - 08.2020

President

Meridian Capital Management
06.2018 - 05.2019

Director of Operations

Meridian Capital Management
07.2017 - 06.2018

Director of Operations

Lockwood Asset Management Group
03.2014 - 05.2017

Paralegal Studies

Bryant & Stratton College

High School Diploma -

Lockport High School