Cruz Tirado
Tampa,FL
Summary
Seasoned Senior Fraud Analyst with comprehensive background in fraud detection, prevention and mitigation strategies. Skilled at identifying patterns, trends and irregularities to uncover fraudulent activities using advanced technological tools. Strengths include strong analytical abilities, critical thinking skills, and expertise in data analysis for risk assessment. Past roles have resulted in significantly minimizing financial losses due to fraud through effective policy implementation and continuous process improvement initiatives.
Overview
13
13
years of professional experience
Work History
Sr. Fraud Analyst Digital
Bank Of America
11.2022 - 06.2024
- Fraud Detection and Prevention: Analyzed digital transactions and user activity to identify potential fraudulent patterns and activities.
- Evaluated the level of risk associated with various digital channels and transactions, informing mitigation strategies.
- Worked with cross-functional teams to implement and improve fraud prevention measures.
- Communicated effectively with internal and external stakeholders, including customers, regarding fraud related issues.
- Familiarity with digital platforms, databases, and fraud detection tools.
- Assisted with check fraud schemes, initiation of claims and SARS reporting.
Client Specialist
Citigroup
05.2022 - 11.2022
- Effectively and timely addressed client service requests received via telephone or email.
- Managed and expanded relationships with High Asset Clients with minimum deposits of $900k.
- Channeled client service requests to appropriate service team(s).
- Met or exceeded revenue goals by increasing and retaining deposits and by cross selling additional banking products such as Certificates of Deposits, Savings Accounts, and Loans.
- Reacted to client needs for investment products by referring such clients to licensed investment representatives.
- Completed scheduled periodic reviews of clients profiles, updating source of wealth, source of funds, and information related to the intended use of their accounts.
- Completed unscheduled client reviews such as account activity and balance fluctuation inquiries.
- Completed client contact campaigns as defined by Sales Management.
- Supported ad-hoc initiatives/projects as required by Sales Management.
Claims- Billing Disputes
Bank of America
02.2019 - 05.2022
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Collaborated closely with team members to achieve project objectives and meet deadlines.
- Utilized advanced technical skills and expertise to troubleshoot complex problems and implement solutions.
- Recognized by management for providing exceptional customer service.
AML Operations Analyst
Collabera/Citigroup
Tampa, USA
12.2016 - 11.2017
- Analyzed alerts and investigated customers who matched with SDN, PEPS and Negative Media List during the account opening and maintenance process.
- Conducted searches, gathered data and recorded evidence from internal systems, the internet, commercial databases and inquiry with Business or Compliance contacts within the organization.
- Accumulated facts from investigations to be utilized in presentation to Senior Management and Compliance.
- Conducted enhanced due diligence investigations in support of policies and procedures.
- Reported unusual client activities which might relate to sanctioned individuals, money laundering or terrorist financing.
- Conducted alert investigations using global standard policies, procedures, and tools, aimed at meeting internal and external regulatory requirements.
Post- Closing Specialist
Aerotek/Bank of America Document
Tampa, USA
05.2015 - 05.2016
- Procured documentation that met specific investor requirements.
- Contacted and followed-up with Lenders, Attorneys, Title Companies, Courthouses, etc. to obtain missing documentation (Security Instruments, Title Policies, CEMA, etc.).
- Ensured closed files were in compliance with internal requirements and quality control.
- Audited files/documents for quality and participated of special projects to meet and satisfy time constraints or deadlines.
- Oversight & Centralized Services
Personal Banker
SunTrust Bank
Tampa, USA
09.2011 - 08.2014
- Assisted clients with account openings and personal banking services.
- Provided expert guidance on financial products and services to customers.
- Managed daily transactions, ensuring accuracy and compliance with policies.
- Resolved customer inquiries and issues in a timely manner.
- Collaborated with team members to enhance customer service strategies.
- Helped customers open and close accounts, apply for loans and make sound financial decisions.
- Followed operational standards, promoting security, risk management and compliance.
Education
B.S. - Business Administration, Marketing Management and Analysis
University of Puerto Rico
Mayaguez, Puerto Rico06.1993
Skills
- Multilingual communication (English/Spanish)
- Effective written and verbal skills
- Proficient in Microsoft Office
- Excel analysis
- Collaborative teamwork
- Leadership abilities
- Analytical capabilities
- Detail-oriented approach
- Time management techniques
- Contractual expertise
Professional Associations
Florida Association of Mortgage Brokers (F.A.M.B.), 2004-2010
Timeline
Sr. Fraud Analyst Digital
Bank Of America
11.2022 - 06.2024
Client Specialist
Citigroup
05.2022 - 11.2022
Claims- Billing Disputes
Bank of America
02.2019 - 05.2022
AML Operations Analyst
Collabera/Citigroup
12.2016 - 11.2017
Post- Closing Specialist
Aerotek/Bank of America Document
05.2015 - 05.2016
Personal Banker
SunTrust Bank
09.2011 - 08.2014
B.S. - Business Administration, Marketing Management and Analysis
University of Puerto Rico