Francisco Betancourt
Houston,TX
Summary
Motivated professional with a strong work ethic and the ability to adapt and perform well in challenging environments. Known for solid people skills, a willingness to keep learning, and a practical approach to getting things done. Looking for opportunities to grow in my career while using my experience to add real value and support the long term success of the company.
Overview
4
4
years of post-secondary education
13
13
years of professional experience
Work History
Treasury Analyst
Daikin Comfort Technologies Distributions
Waller, Texas
08.2023 - Current
- Maintain and strengthen banking relationships to ensure the delivery of efficient financial products and services that support business operations.
- Monitor and assess customer accounts for potential fraud, financial risk, and loss exposure, implementing proactive measures to mitigate risk.
- Supported banking integration for newly acquired subsidiaries by establishing bank accounts, treasury services, and cash management processes.
- Reviewed and analyzed customer chargebacks, prepared documentation, and submitted disputes to financial institutions, recovering funds and minimizing financial losses.
- Reviewed and coordinated all banking documentation and agreements to establish banking services and accounts.
- Manage armored cash transportation and cash logistics through Brinks and Loomis, overseeing cash management operations for more than 300 locations across the United States and Canada.
- Create and maintain MIDs, RNIDs, and RNCERTs for new branch locations to enable Visa, Mastercard, Discover, and American Express credit card processing.
- Credit Card Analysis Report
- Weekly Check reconciliation
- Initiate all banking and safe point for new branch and relocation projects.
Senior Credit Analyst
Daikin Comfort Technologies Distribution
Waller, Texas
09.2019 - 08.2023
- Analyzed customer credit line exposure for risk assessment and approval processes.
- Executed daily collections by contacting customers with overdue accounts or potential risk of loss.
- Monitored customer accounts to ensure timely payments were made in accordance with their term agreements.
- Delivered exceptional customer service by actively addressing client needs and inquiries.
- Maintained accurate records of client credit histories and tracked changes in financial status.
- Collaborated with customers and sales team to reconcile accounts and facilitate payment negotiations.
- Collaborated with sales teams to address credit concerns and support client relationships.
- Provide excellent customer service while building relationships.
- Maintained accurate records of client credit histories and changes in financial status.
Fraud Specialist ll
JP Morgan Chase
Houston, USA
03.2017 - 09.2019
- Detect fraud, fraud schemes and minimize and prevent losses resulting from high-risk and fraudulent monetary and non-monetary transactions.
- Applied strong judgment in evaluating risk transactions to mitigate potential losses.
- Exercised strong judgment in reviewing risk transactions to identify potential fraud
- Engaged customers through active listening to understand concerns and provide effective solutions.
- Resolved conflicts to ensure customer satisfaction and maintain positive relationships. and manage customer expectations.
- Resolved conflicts and managed customer expectations to maintain positive relationships
- Required to abide by all applicable regulatory and department practices and procedures.
Personal Banker
Wells Fargo Bank, N.A.
Houston, TX
08.2016 - 03.2017
- Assisted customers with account inquiries and tailored product selections to meet individual needs.
- Provided exceptional customer service, fostering long lasting relationships and client loyalty.
- Assisted clients in navigating online banking tools and services.
- Analyzed customer's financial information to determine the best banking products for them.
- Helped customers understand and use mobile applications and online banking.
- Helped customers open and close accounts, apply for loans and make sound financial decisions.
- Coordinated with other departments regarding customer requests or disputes resolution.
- Achieved or exceeded personal sales goals on consistent basis.
Service Manager
Wells Fargo Bank, N.A.
Houston, USA
07.2015 - 08.2016
- Manage tellers/bankers and provided assistance with complex transactions& product questions.
- Organized and managed scheduling for team members to optimize workflow.
- Provided coaching on sales solutions to enhance team performance.
- Conducted monthly audits of drawer and vault to ensure accuracy.
- Developed strong relationships with customers to foster loyalty.
- Coached team on sales solutions to improve customer engagement.
- Scheduling
- Reconciled personal cash drawer daily to uphold accountability and precision.
Lead Teller
Wells Fargo Bank, N.A.
Houston, USA
10.2013 - 06.2015
- Supervised tellers, ensuring high-quality customer service and efficient operations.
- Looked for opportunities to help every customer reach its financial needs.
- Identified and addressed customer financial needs to enhance satisfaction and loyalty.
- Processed overrides and supported tellers in resolving complex customer inquiries.
- Facilitated transaction approvals to maintain efficient banking operations.
- Handled cash transactions accurately and efficiently.
Education
Diploma - Diploma
Robert E.Lee High School
Houston, USA 05.2005 - 01.2009
Skills
- Banking relationship management
- Risk assessment
- Cash management
- Fraud detection
- Customer relationship management
- Conflict resolution
- Customer service
- Attention to detail
- Active listener
- Team collaboration
- Microsoft Excel
- Microsoft word
- Problem solving
- Effective communication
- Bilingual in Spanish
Timeline
Treasury Analyst
Daikin Comfort Technologies Distributions
08.2023 - Current
Senior Credit Analyst
Daikin Comfort Technologies Distribution
09.2019 - 08.2023
Fraud Specialist ll
JP Morgan Chase
03.2017 - 09.2019
Personal Banker
Wells Fargo Bank, N.A.
08.2016 - 03.2017
Service Manager
Wells Fargo Bank, N.A.
07.2015 - 08.2016
Lead Teller
Wells Fargo Bank, N.A.
10.2013 - 06.2015
Diploma - Diploma
Robert E.Lee High School
05.2005 - 01.2009