Summary
Overview
Work History
Education
Skills
Timeline
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JOE GUERRERO

Fort Worth,TX

Summary

Driven and results oriented bilingual professional with over 10 years of experience in banking, credit bureau reporting, and team leadership. Highly skilled in data analysis, project & change management, and risk analysis. Team leader (SME) able to motivate and collaborate with professional teams to develop projects and consistently reach target goals while remaining customer focused.

Overview

13
13
years of professional experience

Work History

Credit Dispute Analyst- TD Bank Contract

TEKsystems
05.2024 - Current
  • Reviewed ACH payment transactions, contracts, and account alteration documents using company policies and procedures to validate and/or modify the credit reporting of disputed accounts accurately through submission of ADCV's or AUD's within eOscar as well as documenting additional systems such as Sharepoint and FAW with dispute resolution and evidence.
  • Proven track record of exceeding KPI's for productivity within a fast paced environment while encountering open, delinquent, repossessed, charge off, total loss, closed, and redeemed auto loan accounts.
  • Independently coordinated with insurance recovery, furnishing, collections and recovery, general account changes, and loan admin departments to gain clarification on disputed accounts as needed, while maintaining a high level of productivity and accuracy, using excellent communication and time management, to prevent reporting errors and future customer issues.
  • Stayed current on regulatory changes while identifying training opportunities and gaps in reference material to proactively identify and discuss possible improvements and solutions.


Sr Credit Bureau Reporting Analyst

Santander Consumer USA
09.2018 - 05.2024
  • Oversee remediation project aimed at updating lease accounts with inaccurate date of first delinquency caused by end of month file transmission error
  • Collaborate with our Executive Office and Legal teams on escalated credit dispute requests that require review with all CRAs and submit AUD updates accordingly
  • Assist with updating and refining the departments compliance controls to meet all CDIA and CFPB guidelines
  • Support training of new analysts with systems such as e-Oscar, Innovis Atlas, Transunion Direct, Experian Bullseye, Equifax, and SQL

Senior Reconciliation Specialist

Chase Bank
08.2016 - 09.2018
  • Reconciled almost $5 million dollars of auto finance payments daily while maintaining high customer satisfaction and using Oasis
  • Spearheaded a project which investigated and resubmitted insurance claims that increased monthly profits by 2%
  • Oversaw 30% of the general ledgers within auto finance due to high performance within the department
  • Received 2017 award for best customer experience for resolving all missing warranty refund complaints and issuing checks to customers within the allotted time frame

Credit Bureau Reporting Specialist

Chase Bank
03.2013 - 07.2016
  • Tracked and analyzed data gathered from customers to accurately update customer's credit reports by submitting AUDs to Credit Reporting Agencies via e-Oscar
  • Evaluated and tested compliance controls pre-launch to ensure adherence was met with CDIA and CFPB guidelines
  • Managed remediation project aimed at updating inaccurate payment history caused by internal issue with charge off accounts

Senior Service Specialist

Chase Bank
04.2012 - 03.2013
  • Received top performer award due to excellent customer service skills and not receiving a failed survey the entire year
  • Act as a top responder to calls that frontline bankers could not assist with due to customer issue level or behavior

Education

Bachelor's of Applied Arts And Sciences - Organizational Leadership

Texas A&M University-Commerce
Commerce, TX
05.2020

Skills

  • Problem solving
  • Bilingual (Spanish)
  • Risk analysis
  • Project management
  • Data analysis
  • Training
  • Microsoft Excel (Pivot tables & VLOOKUP)
  • Written & verbal communication
  • Leadership

Timeline

Credit Dispute Analyst- TD Bank Contract

TEKsystems
05.2024 - Current

Sr Credit Bureau Reporting Analyst

Santander Consumer USA
09.2018 - 05.2024

Senior Reconciliation Specialist

Chase Bank
08.2016 - 09.2018

Credit Bureau Reporting Specialist

Chase Bank
03.2013 - 07.2016

Senior Service Specialist

Chase Bank
04.2012 - 03.2013

Bachelor's of Applied Arts And Sciences - Organizational Leadership

Texas A&M University-Commerce

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JOE GUERRERO