Kara Gonzalez
Riverview
Summary
Detail-oriented Administrative Professional with over 13 years of experience. Known for strong analytical abilities, attention to detail, and a commitment to delivering exceptional customer service. Expert in analyzing account activity and documentation to provide timely resolutions.
Overview
27
27
years of professional experience
Work History
Regulatory Program Specialist
U.S. Army Corps of Engineers
Tampa, FL
03.2024 - Current
- Process incoming permit applications, reviewing and assessing compliance with federal regulations, including Section 404 of the Clean Water Act and Section 10 of the Rivers and Harbors Act
- Evaluate project proposals to determine the need for permits, ensuring all necessary documentation and environmental assessments are complete and accurate
- Manage and process complex permit applications, coordinating with applicants, stakeholders, and regulatory agencies to ensure efficient, accurate, and timely decisions
- Coordinate with applicants, legal teams, and environmental specialists to resolve issues or clarify application requirements
- Communicate with applicants to request additional information or modifications to incomplete or non-compliant applications
Credit Representative
The Bank of Tampa
Tampa, FL
05.2021 - 03.2024
- Composed and proofread memos, letters and reports to verify error-free communication for executive management
- Assist the credit underwriting team by obtaining credit reports and background checks for applicants and reviewing financial statements for accuracy
- Prepares all decline and counteroffer letters in a timely manner to adhere to federal regulation guidelines
- Prepares new loan presentations on a weekly basis for Board of Directors, President and Executive Vice President
- Compares incoming data against quality, integrity and accuracy expectations, identified faults and affected timely remedies
- Research, analyze and responds to client credit bureau disputes in a timely manner
- Provides documentation to the legal team on all subpoenas received
- Wrote and implemented procedures for credit personnel to achieve consistency in unit operations
Client Service Center Representative
The Bank of Tampa
Tampa, FL
02.2019 - 05.2021
- Completed requests from both branches and clients in a timely manner which include online banking enrollments, maintenance request and mobile deposit limit increases
- Troubleshoot and resolved online banking technical issues included but not limit to signing into online banking, online banking international transfers and bill pay
- Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity
- Developed and maintained positive customer relations and coordinated with team members to properly handle requests and questions
- Participated in team meetings and training sessions to stay informed about product updates and changes
- Analyzed customer service trends to discover areas of opportunity and provide feedback to management
Lending Senior Specialist II
JP Morgan Chase Credit Card Services
Tampa, FL
01.2017 - 01.2019
- Resolved clients questions, processed credit requests on new application and existing accounts
- Gathered pertinent data and sensitive financial records, conducted comprehensive analysis and evaluations of information received
- Able to make judgmental credit decisions based on training, departmental standards
- Made approval and denial recommendations by determining accurate risk levels
- Examined credit reports, financial statements and tax returns to determine repayment capability
Investment Servicing Specialist
JP Morgan Chase Retirement Services
Tampa, FL
01.2015 - 01.2017
- Utilized financial databases and systems to process transactions related to Estate Payouts from IRA accounts; flagged accounts as deceased, tracked and monitored status to ensure completion
- Interpreted and applied Federal regulations, such as, Regulation D ensure compliance and strict deadlines were met in relation to IRA's
- Prioritized work in a faced paced environment to improve efficiency and maximize productivity
- Trained new hires and/or subordinate colleagues on departmental policies and procedures and facilitated knowledge sharing
Auto Claims Adjuster
United Services Automobile Association, USAA
Tampa, FL
01.2014 - 12.2014
- Investigated and processed auto insurance claims filed by policy holders, claimants or adverse insurance companies
- Evaluated damages to ascertain compensation regarding personal and property damage
- Documented all findings in concise reports
- Kept current on insurance regulations, laws, policies and procedures
- Reviewed police reports, photographs and other documentation to gain complete understanding of accident
- Carried and managed consistently heavy project workload through exemplary organizational, time management and collaboration talents
State Trooper
Florida Highway Patrol
Saint Petersburg, FL
01.2011 - 01.2014
- Patrolled assigned areas to prevent and detect roadway crimes
- Enforced traffic laws and ordinances through visual observation and radar speed detection
- Prepared cases for trial to testify in court
- Promoted public safety and facilitated vehicular flow by directing traffic during emergency and congested situations
- Patrolled locations to preserve law and order, deter and detect criminal activity, enforce laws and regulations, respond to citizen requests for assistance and provide public safety
Small Business Relationship Consultant
Bank of America
Tampa, FL
06.2010 - 01.2011
- Trained and developed associates to peak performance
- Tracked customer complaints, provided feedback on trends to mitigate complaints
- Identified, developed, managed, serviced and expanded business relationships using a consultative relationship management approach
- Delivered outstanding service to clients to maintain and extend relationship for future business opportunities
- Improved client sales by automating system e-commerce feature
Traffic Management Specialist
Unites States Marine Corps
San Diego, CA
02.1998 - 02.2002
- Responsible for tracking inbound and outbound freight
- Assisted in the preparation of shipping documents for freight shipping from external locations
- Coordinated shipping requests for expedited delivery and documented accurately to achieve correct billing
- Handled high-volume paperwork and collaborated with administrators to resolve invoicing and shipping problems
- Managed loading, unloading, movement and sorting of supplies to keep deliveries on schedule
Education
Associates - Criminal Justice/Public Safety
St Petersburg College
St Petersburg, FL01.2010
Skills
- Detailed Oriented
- Critical thinker
- Adapts quickly to change
- Time management
- Organization
- Self motivated
- Proficient in Microsoft Word
- Proficient in Excel
Timeline
Regulatory Program Specialist
U.S. Army Corps of Engineers
03.2024 - Current
Credit Representative
The Bank of Tampa
05.2021 - 03.2024
Client Service Center Representative
The Bank of Tampa
02.2019 - 05.2021
Lending Senior Specialist II
JP Morgan Chase Credit Card Services
01.2017 - 01.2019
Investment Servicing Specialist
JP Morgan Chase Retirement Services
01.2015 - 01.2017
Auto Claims Adjuster
United Services Automobile Association, USAA
01.2014 - 12.2014
State Trooper
Florida Highway Patrol
01.2011 - 01.2014
Small Business Relationship Consultant
Bank of America
06.2010 - 01.2011
Traffic Management Specialist
Unites States Marine Corps
02.1998 - 02.2002
Associates - Criminal Justice/Public Safety
St Petersburg College
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