ERICK RAMIREZ
Fort Worth,TX
Summary
Experienced Auto Finance Operations Specialist specializing in FCRA/Metro 2 credit reporting compliance and risk management. Leverages data analytics to audit portfolio performance, enforce compliance standards, and minimize reporting errors. Bilingual in English and Spanish, excels in resolving complex consumer inquiries while ensuring data confidentiality and optimizing operational workflows.
Overview
14
14
years of professional experience
Work History
Credit Bureau Reporting Sr. Representative
Santander Consumer USA
Fort Worth, USA
01.2021 - 06.2026
- Investigated and resolved direct dispute letters from consumers, ensuring accurate account status and validating debt claims.
- Ensured timely and accurate distribution of dispute letters with potential legal implications, including cease and desist requests.
- Collaborated with leadership to ensure timely and accurate dispute completions and control reports, meeting business SLAs and operational standards.
- Researched and responded to disputes, accessing data from Pinpointe, Equifax, Transunion, and Experian.
- Meticulously reviewed ACDVS sent by reporting agencies for customer and account information accuracy.
- Possessed and applied subject matter expertise in dispute resolution, including indirect and direct disputes, SCRA, backdated payments, and control reports, drawing from experience in fraud and default queue management.
- Supported special projects including backdated payment resolution and AUD corrections, highlighting SCRA consumer protection under Soldiers & Sailors.
Credit Bureau Reporting Representative (Fraud)
Santander Consumer USA
Fort Worth, USA
01.2020 - 01.2021
- Reviewed customer documentation to identify potential identity theft/fraud incidents, supporting the investigation and resolution of related claims.
- Effectively managed account updates, including AUD deletions and SHAW waivers, to reflect confirmed fraud trade lines.
- Acquired detailed knowledge about operational guidelines. on block notifications covering: Block Idtc's, Block Id's and rescissions.
- Achieved a high level of performance, meeting monthly targets and scoring 100% on inline testing.
- Supported departmental teams, including Credit Clinic and Direct Disputes, through collaborative efforts and shared expertise.
Credit Bureau Reporting Representative
Santander Consumer USA
Fort Worth, USA
01.2018 - 01.2020
- Analyzes credit reports to validate customer data and determine account standing.
- Verified compliance of submitted information to credit reporting agencies with company and federal regulations, reducing potential reporting errors. sent to CRA (credit reporting agencies) complies with all company and federal guidelines.
- Provided critical support to DMDC by verifying and reporting accurate status updates on military personnel accounts.
- Trained and guided newly hired staff in Credit Bureau department, enhancing team knowledge and compliance.
- Assessed and ensured operational alignment with company objectives, business requirements, service level agreements, and regulatory requirements to maintain high standards.
- Participated in various project initiatives, including SCRA accounts processing and daily DMDC'S tasks.
- Operated Shaw, e-Oscar, Innovis, and other credit reporting tools.
Collections & Reinstatement Specialist
Santander Consumer USA
Fort Worth, USA
01.2012 - 01.2018
- Collaborated with collections, recovery, and legal teams to achieve effective account resolution.
- Independently evaluate each account and determine the best course of action for the customer in resolving the problem permanently to avoid any further delinquencies.
- Assist Customers in resolving repossessed vehicles and outline reinstatement requirements.
- Partner with third party vendors, such as repossession agencies and auction facilities, to streamline processes.
- Ensure compliance with state and federal regulations to maintain operational integrity.
- Make effective use of the dialing system to increase right party contacts.
- Ensure accounts are worked according to business strategy and within Quality Assurance guidelines.
- Provided education to customers on contract expectations on contract expectations to facilitate informed decision-making.
Education
Computer Science -
Tarrant County Community College
Fort Worth, TX01-2010
High School Diploma -
RL Paschal High School
Fort Worth, TX01-2008
Skills
- SQL and Excel
- PowerPoint presentations
- Pinpointe data analysis
- Microsoft Word and Outlook
- SharePoint collaboration
- Shaw communications
- Auto Dialer management
- Data analysis
- Dispute resolution
- Fraud investigation
- Credit reporting
Timeline
Credit Bureau Reporting Sr. Representative
Santander Consumer USA
01.2021 - 06.2026
Credit Bureau Reporting Representative (Fraud)
Santander Consumer USA
01.2020 - 01.2021
Credit Bureau Reporting Representative
Santander Consumer USA
01.2018 - 01.2020
Collections & Reinstatement Specialist
Santander Consumer USA
01.2012 - 01.2018
Computer Science -
Tarrant County Community College
High School Diploma -
RL Paschal High School