Summary
Overview
Work History
Education
Skills
Timeline
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JULIA INDA

Summary

Experienced Financial Institution Professional with over 7 years of expertise in the banking and finance industry. Proficient in customer relationship management, financial analysis, and financial problem solving. Adept at navigating complex financial environments and delivering strategic solutions to enhance operational efficiency and experience. Demonstrates strong analytical skills and a keen understanding of regulatory compliance. Committed to fostering a customer-centric approach while driving innovation and growth within financial services.

Overview

13
13
years of professional experience

Work History

Risk Associate

Frandsen Bank and Trust
Arden Hills, MN
11.2024 - Current
  • Utilizes specialized software tools designed for detecting patterns associated with fraudulent activity.
  • Performs detailed analysis of financial transactions to identify suspicious activity.
  • Investigates cases of suspected fraudulent activities, including tracing money trails and analyzing documents.
  • Collaborates with other departments on investigations as needed to review evidence, analyze data, and prepare reports for management.
  • Develops procedures for the prevention, detection, investigation, and reporting of fraudulent activities.
  • Monitors customer accounts and identified any discrepancies or irregularities in account activity.
  • Documents all investigative findings in a clear, concise manner for senior management review.
  • Reviews mobile deposit review for suspicious activity
  • Processes ACH returns

Special Operations Representative

Blaze Credit Union (FKA Hiway Credit Union)
St. Paul, MN
06.2020 - 11.2024
  • Resolved complex, escalated member issues by identifying problems, understanding needs, and de-escalating difficult calls with strong call-taking and multitasking skills.
  • Assisted internal associates and external members with escalated credit/debit card issues, such as PIN resets, holds, fraud claims, and disputes.
  • Managed ACH transactions, including initiating disputes, fraud investigations, stop requests, and providing transaction details.
  • Provided online banking support, specializing in troubleshooting, bill pay, transfers, messaging, mobile deposits, and explaining wire transfer processes.

Payment Operations Representative

Hiway Credit Union (NKA Blaze Credit Union)
St. Paul, MN
04.2018 - 06.2020
  • Input and posted incoming and outgoing wire transfers, mail transactions, and incoming bill pays.
  • Assisted with online banking: bill pay, transfers, mobile deposit.
  • Assisted with ACH-related tasks.
  • Assisted internal associated and external members with payment-related questions and issues.

Teller

Hiway Credit Union (NKA Blaze Credit Union)
St. Paul, MN
06.2017 - 04.2018
  • Managed cash transactions, loan payments, cash advances, and issued official checks and money orders.
  • Verified customer identification, account balances, and cashed checks in compliance with company policies.
  • Reconciled cash and check balances with computer records at the end of each shift.
  • Entered transactions, issued receipts, and explained financial products and fees to customers.

Shift Supervisor

Starbucks
Arden Hills, MN
04.2014 - 05.2017
  • Trained staff in food preparation, money handling, and cleaning tasks to ensure smooth food service operations.
  • Improved sales strategies, enforced company policies, and maintained operational standards.
  • Managed inventory through audits, stock counting, and rotation to minimize waste and ensure accuracy.
  • Monitored transactions and deposits to secure revenue and resolved discrepancies, while ensuring equipment and work areas met company standards.

Certified Pharmacy Technician

Cub Pharmacy
Mankato, MN
01.2012 - 06.2014
  • Ensured patient confidentiality by adhering to HIPAA regulations and accurately maintaining patient records, including insurance, allergies, and medications.
  • Managed pharmacy inventories by rotating stock, removing expired products, verifying incoming drug supplies, and resolving discrepancies.
  • Processed transactions for prescriptions, verified patient identities, and assisted the pharmacist in handling high volumes of prescriptions.
  • Maintained clean and organized work areas, managed customer profiles, and provided assistance with customer inquiries.

Education

Bachelor of Science - Business Admin - Finance, Fraud Examination Minor

Bemidji State University
Bemidji, MN
05-2026

Associate of Arts - Liberal Arts And Sciences

Rochester Community And Technical College
Rochester, MN
12.2010

Skills

  • Inbound and outbound calling
  • Active listening
  • Proficient typing, grammar, and writing capabilities
  • Problem-solving
  • Fraud Analysis
  • Risk analysis
  • Risk mitigation
  • Training experience
  • Interpersonal skills
  • Payment processing
  • Fiserv: XP2, DNA, Compass, Nautilus, Navigator, Client Central, Web Capture
  • WireXchange
  • Verafin
  • Positive Pay
  • Microsoft: Outlook, Excel, Word, OneNote, Teams
  • Ensenta
  • iPay
  • Keepass
  • SWBC
  • MoneyGram
  • Velera (FKA PSCU): QuickAssist, AdminConnect, mConsole, Service Portal, Webtrack, Star Station
  • RingCentral, Interaction Desktop
  • Paylocity, ADP

Timeline

Risk Associate

Frandsen Bank and Trust
11.2024 - Current

Special Operations Representative

Blaze Credit Union (FKA Hiway Credit Union)
06.2020 - 11.2024

Payment Operations Representative

Hiway Credit Union (NKA Blaze Credit Union)
04.2018 - 06.2020

Teller

Hiway Credit Union (NKA Blaze Credit Union)
06.2017 - 04.2018

Shift Supervisor

Starbucks
04.2014 - 05.2017

Certified Pharmacy Technician

Cub Pharmacy
01.2012 - 06.2014

Bachelor of Science - Business Admin - Finance, Fraud Examination Minor

Bemidji State University

Associate of Arts - Liberal Arts And Sciences

Rochester Community And Technical College

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JULIA INDA