Ivan Garrido
San Antonio
Summary
Experienced in Investigations and Customer service with 15 years of work ethics, 8+ years of experience handling fraud cases, financial crimes, financial services Motivated Fraud Analyst touting 5 years of expertise investigating suspicious activity for wells fargo company. Knowledgeable resource committed to finding answers and working with clients and interdepartmental personnel. Promoting exemplary skills in project management, analytics and fraud pattern detection.
Overview
15
15
years of professional experience
Work History
Auto Express Insurance Adjuster
USAA - P&C Auto Insurance
08.2023 - Current
- Collaborated with other departments within the organization to enhance overall efficiency in processing claims and improving client satisfaction levels.
- Evaluated insurance claims by conducting thorough investigations and analyzing policy coverage.
- Expedited claim resolution by coordinating with repair professionals to obtain accurate estimates for damages and repairs needed.
- Conducted thorough property investigations to identify and classify damages for customer claims.
- Examined claims forms and other records to determine insurance coverage.
- Identified insurance coverage limitations with thorough examinations of claims documentation and related records.
- Investigated and assessed damage to property and reviewed property damage estimates.
- Determined liability outlined in coverage and assessed documentation such from police and healthcare providers to understand damages incurred.
- Maintained compliance with state regulations and industry standards throughout all aspects of the claims process.
- Saved company resources by identifying fraudulent claims through diligent examination of evidence.
- Established positive relationships with local service providers and repair professionals, resulting in timely completion of claim-related repairs and improved client satisfaction.
- Increased team productivity by helping new adjusters, fostering an environment of collaboration and continuous improvement.
- Answered customer questions regarding deductibles.
- Involved in special project to assist the entire express claim department increase the volume of claim closures.
Insurance Adjuster
Allcat Claims
05.2023 - 08.2023
- Collaborated with other departments within the organization to enhance overall efficiency in processing claims and improving client satisfaction levels.
- Evaluated insurance claims by conducting thorough investigations and analyzing policy coverage.
- Expedited claim resolution by coordinating with repair professionals to obtain accurate estimates for damages and repairs needed.
- Conducted thorough property investigations to identify and classify damages for customer claims.
- Identified insurance coverage limitations with thorough examinations of claims documentation and related records.
- Investigated and assessed damage to property and reviewed property damage estimates.
- Determined liability outlined in coverage and assessed documentation such from police and healthcare providers to understand damages incurred.
- Negotiated fair settlements with claimants by effectively communicating the basis for decisions and collaborating on agreeable terms.
- Saved company resources by identifying fraudulent claims through diligent examination of evidence.
- Reviewed through Xactimate to verify reconstruction cost of the assessed property
- Read over insurance policies to ascertain levels of coverage and determine whether claims would receive approvals or denials.
Sales Agent
Spectrum Communications
03.2022 - 05.2023
- Retained excellent client satisfaction ratings through outstanding service delivery.
- Trained and mentored new sales representatives.
- Spoke to customers in native language to increase loyalty and establish relationships.
- Developed and implemented sales strategies to increase profits.
- Generated new leads through networking and attending industry events.
- Assisted call-in customers with questions and orders.
- Increased sales and customer satisfaction through personalized servicing.
- Provided superior service to customers by quickly and courteously responding to requests, inquiries, suggestions and concerns.
- Utilized CRM software to manage customer accounts and track performance metrics.
Financial Crimes Investigator IV
Wells Fargo
05.2015 - 01.2021
- Fraud Prevention
- Analyzed large amounts of data to find patterns of fraud and anomalies.
- Analyzed financial statements, bank records and government databases to identify fraud and other instances of financial crimes.
- Reviewed transactions and receipts to identify any suspicious activity.
- Summarized all key information regarding investigation into detailed report for delivery to client.
- Analyzed financial statements to identify discrepancies, irregularities and fraudulent activity.
- Contacted customers directly to notify of fraudulent activity and minimize impacts.
- Skilled at working independently and collaboratively in team environments.
- Contributed to reductions in employee turnover by revamping training programs.
- Mentored new hires, resulting in stronger staff development and increased productivity.
- Delivered instructional presentations on equipment use, focusing on efficiency and safety.
- Monitored and reported trainee progress, introducing new learning tools to address individual needs.
- Floor coach
- Managed over 30 claims per day
Insurance Agent
Nationwide insurance
05.2013 - 06.2015
- Worked with sales team to collaboratively reach targets, consistently meeting or exceeding personal quotas.
- Calculated premiums and established payment methods for sales.
- Investigated and processed claims swiftly to keep customers satisfied.
- Analyzed risk factors to recommend appropriate coverage levels.
- Property claims adjusting knowledge to be able to give accurate coverage, used different tools to compare prices, market value and verified reconstruction cost.
- over 2.5 years of Xactimate software experience
- Worked as CAT specialist support line. Assisted CAT specialist during 2014 tornadoes
- Collected premiums on or before effective date of coverage.
- Determined financial needs by assessing existing coverage and aligning new products and services with long-term goals.
- Maintained high standards of customer service by building relationships with clients.
- Educated clients on insurance policies and procedures.
- Used internal/ external resources to obtain VIN, leases, property value and property claim history
- Customer retention
Risk Ops Analyst
JP Morgan Chase
01.2010 - 05.2013
- Customer service
- Gained extensive knowledge in data entry, analysis and reporting.
- Collaborated with team members to discuss fraud trends and brainstorm methods to combat this type of crime.
- Contacted customers directly to notify of fraudulent activity and minimize impacts.
- Reviewed transactions and receipts to identify any suspicious activity.
- Chargeback Data processor
- Check forgery specialist
- Identity theft specialist, gathered information to confirm if the account was opened fraudulently
- Non fraud ATM disputes for missing deposits, researched and contacted ATM technician to verify missing deposit from members claims
- Dispute processor for the member, reached out to merchants as part of the claim process to attempt to resolve the issue before submitting a formal claim
- Successfully handled between 20 - 30 calls daily
Education
Real Estate -
Aceable Agent
Austin, Tx2021
High School Diploma -
Montwood High School
El Paso, TX2004
Skills
- Experienced in Bank Regulations, including: SAR reporting, Reg E, Reg CC, Reg Z, and Reg V, Bank Secrecy Act, and USA Patriot Act
- Long history of fraud prevention and fraud investigation
- Expert in fraud investigations and identity theft
- Knowledgeable in Excel and other date entry systems Microsoft office in general
- Technical Proficiency
- Fraudulent Claims Handling
- Banking Ethics Knowledge
- Fraud Prevention Mastery
- Strong Research Skills
- Credit Adjustments
- Insurance Fraud
- Quality Standards
Languages
Spanish
Native or Bilingual
Timeline
Auto Express Insurance Adjuster
USAA - P&C Auto Insurance
08.2023 - Current
Insurance Adjuster
Allcat Claims
05.2023 - 08.2023
Sales Agent
Spectrum Communications
03.2022 - 05.2023
Financial Crimes Investigator IV
Wells Fargo
05.2015 - 01.2021
Insurance Agent
Nationwide insurance
05.2013 - 06.2015
Risk Ops Analyst
JP Morgan Chase
01.2010 - 05.2013
Real Estate -
Aceable Agent
High School Diploma -
Montwood High School
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