JOVAN JAMES
Miramar,FL
Summary
Seasoned Claims and Risk Professional with 14 years of diverse experience in insurance, legal operations, fintech, and financial services. Expertise in investigating complex losses, determining liability, interpreting policy language, and negotiating settlements. Current role in credit risk enhances decision-making, documentation, and case management capabilities. Holding a Bachelor of Business Administration, demonstrating strong communication with claimants, clients, and cross-functional teams.
Overview
14
14
years of professional experience
Work History
CREDIT RISK ANALYST
Fiserv
Coral Springs, FL
05.2026 - Current
- Conducted time-sensitive merchant reviews to assess credit risk and fraud exposure across assigned portfolios, ensuring timely decision-making.
- Investigated suspicious processing activity, volume changes, excessive declines, and disputes; analyzed transaction histories and financial documentation to evaluate risk exposure.
- Exercise independent judgment to recommend account maintenance, restrictions, funding actions, or termination based on documented risk and established guidelines.
- Coordinated risk mitigation and fraud remediation efforts with Funding, Legal, Operations, Client Services, and merchant stakeholders, maintaining accurate case records in a high-volume environment.
LEGAL ASSISTANT
Webley & Clarke, P.A.
Lauderhill, FL
11.2023 - 04.2026
- Coordinated client communication, legal documents, filings, deadlines, and case activity throughout litigation lifecycle, ensuring timely progress.
- Negotiated settlements with attorneys and clarified complex case developments into concise updates for clients and legal teams, enhancing understanding.
- Reviewed documentation for completeness and compliance, identifying case risks while streamlining organization and workflow tracking.
BODILY INJURY ADJUSTER
Progressive Insurance
Miramar, FL
12.2018 - 11.2023
- Owned complex, high-value bodily injury claims from investigation through resolution, assessing liability, coverage, damages, and financial exposure to ensure fair settlements.
- Developed claim strategies by synthesizing policy language, medical evidence, and attorney demands to support successful negotiations.
- Negotiated settlements within assigned authority and communicated claim activity, decisions, and next steps with claimants, customers, attorneys, medical professionals, and internal partners.
- Managed attorney-involved and litigated matters, prioritizing deadlines and ensuring accurate documentation in sensitive, high-stakes files to mitigate risks.
AUTO CLAIMS ADJUSTER
Progressive Insurance
Fort Lauderdale, FL
02.2016 - 11.2018
- Investigated accidents, gathered statements and loss details, analyzed policy information and supporting documentation to determine liability and coverage accurately.
- Investigated accidents and gathered statements, loss details, policy information, and supporting documentation to determine liability and coverage.
- Interpreted policy terms and applied claim facts to reach timely, defensible decisions on liability, damages, and claim resolution.
- Communicated claim decisions and next steps clearly to customers, claimants, repair partners, and internal stakeholders, ensuring understanding and transparency.
CUSTOMER CARE PROFESSIONAL
American Express
Fort Lauderdale, FL
02.2015 - 01.2016
- Resolved 80+ account and financial-service inquiries daily, ensuring attentive, solution-focused service.
- Safeguarded customer relationships by diagnosing concerns, coordinating across departments, and resolving issues effectively.
- Facilitated process improvements that streamlined handling time and enhanced customer experience.
ASSISTANT MANAGER
Enterprise Rent-A-Car
Fort Lauderdale, FL
10.2012 - 12.2014
- Managed daily branch operations, monitored performance metrics, and coached team members to achieve service and sales goals.
- Managed daily branch operations, monitored performance metrics, and coached team members toward service and sales goals.
- Drove 13% fleet growth through development of business relationships and enhancement of customer retention.
Education
BACHELOR OF BUSINESS ADMINISTRATION - MANAGEMENT, Marketing Specialization
St. Thomas University
Miami Gardens, FLSkills
- Credit Risk Assessment
- Fraud Risk Analysis
- Financial Exposure Analysis
- Credit Exposure Evaluation
- Regulatory Compliance
- Risk assessment
- Risk Mitigation Strategy
- Contract Negotiation
- Risk Investigation Techniques
- Stakeholder Communication
Timeline
CREDIT RISK ANALYST
Fiserv
05.2026 - Current
LEGAL ASSISTANT
Webley & Clarke, P.A.
11.2023 - 04.2026
BODILY INJURY ADJUSTER
Progressive Insurance
12.2018 - 11.2023
AUTO CLAIMS ADJUSTER
Progressive Insurance
02.2016 - 11.2018
CUSTOMER CARE PROFESSIONAL
American Express
02.2015 - 01.2016
ASSISTANT MANAGER
Enterprise Rent-A-Car
10.2012 - 12.2014
BACHELOR OF BUSINESS ADMINISTRATION - MANAGEMENT, Marketing Specialization
St. Thomas University