JOHANNY PINALES

• Manage high-volume commercial insurance billing for brokers, agents, and insureds across multiple lines of business.
• Process new business, renewals, endorsements, cancellations, reinstatements, audits, return premiums, and policy changes with a high degree of accuracy.
• Review premium calculations, policy transactions, and billing activity to ensure compliance with company guidelines and state insurance regulations.
• Resolved complex billing discrepancies involving premium adjustments, payment applications, commissions, taxes, and account balances to ensure accurate financial reporting.
• Reconcile premium accounts and investigate unapplied cash, overpayments, short payments, and outstanding receivables.
• Prepared monthly billing reports, aging reports, account reconciliations, and financial summaries to support timely month-end close.
• Work closely with Underwriting, Accounting, Finance, Customer Service, IT, and Brokers to resolve policy and billing issues.
• Respond to broker and insured inquiries regarding invoices, payment history, policy billing, and account balances.
• Identified opportunities to improve billing workflows and enhance billing accuracy, contributing to reduced processing time.
• Support internal and external audits while ensuring compliance with insurance regulations and company policies.

• Managed end-to-end billing operations for legal, healthcare, and insurance clients.
• Created monthly invoices, billing statements, aging reports, financial reports, and executive summaries to ensure timely financial reporting.
• Verified pricing, contractual compliance, taxes, discounts, and billing accuracy.
• Verified insurance eligibility and managed patient billing functions.
• Oversaw accounts receivable operations, researching and resolving complex billing discrepancies to maintain cash flow integrity.
• Processed journal entries, accruals, account reconciliations, payment postings, adjustments, and month-end close activities.
• Maintained HIPAA compliance and financial reporting accuracy.
• Standardized billing procedures to enhance workflow consistency and minimize processing errors, improving overall accuracy.
• Trained and mentored new billing professionals while supporting operational improvements.

• Primary Client: Port Authority of New York & New Jersey
• Managed litigation support and legal collections from referral to case resolution, ensuring timely and effective outcomes.
• Negotiated settlements and payment agreements.
• Coordinated communications among attorneys, courts, clients, and opposing counsel to facilitate case progress and resolution.
• Negotiated settlements and payment agreements, achieving favorable terms for clients while minimizing litigation costs.
• Maintained litigation files, legal documentation, and court deadlines.
• Ensured compliance with court procedures and firm policies.

• Directed litigation and asset recovery operations for Merchant Cash Advance portfolios.
• Managed legal collections throughout pre-suit and post-judgment enforcement phases, ensuring comprehensive recovery efforts.
• Coordinated lawsuits, judgments, and enforcement actions including restraining notices and bank levies to maximize recovery outcomes.
• Negotiated high-value settlements with business owners nationwide.
• Supervised litigation staff and collection specialists, fostering a collaborative environment to enhance recovery strategies.
• Improved recovery performance through process improvements and workflow optimization.
• Partnered with outside counsel, executives, and operations teams to maximize recoveries.

Clients: Citibank ,Wells Fargo & Bank of America

• Developed and implemented effective collection strategies, improving cash flow.
• Managed billing processes to ensure timely invoicing and collections.
• Oversaw high-volume legal billing and first-party collection portfolios for national banking institutions.
• Prepared and reviewed legal invoices while ensuring compliance with client billing guidelines.
• Reviewed attorney time entries, litigation expenses, and fee allocations.
• Facilitated billing activities among attorneys, finance departments, and corporate clients to streamline communication and compliance.
• Prepared complaints, motions, affidavits, judgments, stipulations, and supporting legal documentation.
• Monitored litigation calendars, filing deadlines, and court requirements.
• Negotiated settlements and payment arrangements while ensuring FDCPA compliance.
• Reconciled client accounts, researched billing discrepancies, and prepared collection reports.
• Addressed and resolved client billing issues, safeguarding confidentiality of legal and financial records.

Clients: American Express & Discover Financial Services

• Managed legal billing and collections for high-volume litigation portfolios.
• Generated invoices and monitored accounts receivable to ensure timely payments.
• Reviewed attorney billing entries, legal expenses, and client billing requirements.
• Coordinated billing adjustments, write-offs, reconciliations, and account research to maintain accurate financial records.
• Prepared legal pleadings, complaints, motions, affidavits, judgments, and court documentation.
• Negotiated payment arrangements and settlements while maintaining compliance with FDCPA.
• Managed litigation files and tracked court deadlines.
• Produced aging reports, recovery reports, and billing analytics to provide management with insights on collections performance.
• Assisted attorneys with trial preparation, discovery requests, and document management.
• Collaborated with cross-functional teams to resolve billing discrepancies efficiently.
• Trained junior staff on billing software and collection protocols, enhancing team performance.

Clients: Chase Bank ,HSBC, Barclays Delaware ,Resurgent Capital Services &University of Phoenix

• Developed training programs for staff, fostering skill development and operational efficiency within the department.
• Led team to enhance collections process, improving recovery rates through strategic initiatives.
• Developed and led a high-performing team of over 30 collection professionals, enhancing overall departmental effectiveness.
• Directed collection strategies for multiple national financial institution portfolios, optimizing recovery efforts and client satisfaction.
• Negotiated high-value settlements and payment agreements.
• Produced executive reporting, portfolio analytics, and recovery performance reports.
• Implemented workflow improvements that increased operational efficiency.
• Ensured compliance with FDCPA, banking regulations, and client requirements.
• Collaborated with executive leadership to enhance collection performance and achieve targeted portfolio results.