Summary
Overview
Work History
Education
Skills
Timeline
Generic

Destiny Moreno

Tampa

Summary

Bank Dispute Specialist with expertise in dispute resolution and meticulous case documentation. Proven track record in regulatory compliance and fraud analysis, leading to enhanced operational efficiency and increased member satisfaction.

Overview

6
6
years of professional experience

Work History

Bank Dispute Specialist

USAA Federal Savings Bank
Tampa
02.2025 - Current
  • Investigate and resolve member disputes involving credit/debit card transactions, unauthorized charges, billing errors, and potential fraud, in compliance with regulatory requirements (Reg E and Reg Z).
  • Analyze transaction details, gather evidence, and communicate with merchants, payment processors, and internal fraud prevention teams to determine liability and resolution.
  • Ensure timely processing of disputes to meet federal guidelines and internal SLAs, minimizing financial losses, and enhancing member trust.
  • Provide empathetic and professional support to members throughout the dispute process, explaining rights, timelines, and outcomes clearly.
  • Utilize internal systems (e.g., TSYS, FDR, Salesforce) to document cases, escalate issues, and maintain accurate case histories.
  • Collaborate with compliance and risk teams to identify patterns of fraud, and improve dispute handling processes.

Sales Representative

Dillards Department Store
Killeen
01.2023 - 04.2024
  • Delivered exceptional customer service through product selection, styling advice, and purchase assistance in fast-paced retail environment.
  • Maintained comprehensive knowledge of merchandise and promotions to confidently drive sales.
  • Achieved or surpassed individual and department sales goals through effective upselling and relationship building.
  • Processed transactions, returns, and exchanges accurately, ensuring smooth checkout experience.
  • Executed merchandising tasks including inventory organization, stock replenishment, and visual displays.
  • Resolved customer concerns professionally to enhance satisfaction and encourage repeat business.
  • Collaborated with team members and management to optimize store operations and meet performance targets.

Assistant Retail Supervisor

Sodexo USA
Belton
03.2019 - 12.2022
  • Supported store manager with daily operations, including opening/closing, staff supervision, and inventory control.
  • Motivated sales associates to achieve sales targets and enhance customer service.
  • Trained new employees on company policies, POS systems, and merchandising standards.
  • Scheduled shifts and delegated tasks to ensure adequate floor coverage during peak hours.
  • Monitored inventory levels, facilitated stock replenishment, and upheld visual merchandising standards.
  • Resolved customer escalations promptly to maintain satisfaction and encourage repeat business.
  • Analyzed sales data to identify trends and develop strategies for performance enhancement.

Education

High School Diploma -

Killeen High School
Killeen, TX
06-2011

Skills

  • Dispute resolution
  • Regulatory compliance
  • Fraud analysis
  • Case documentation
  • Transaction processing
  • Customer relationship management
  • Team leadership
  • Problem solving
  • Conflict resolution
  • Time management

Timeline

Bank Dispute Specialist

USAA Federal Savings Bank
02.2025 - Current

Sales Representative

Dillards Department Store
01.2023 - 04.2024

Assistant Retail Supervisor

Sodexo USA
03.2019 - 12.2022

High School Diploma -

Killeen High School

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