Karina Tovar

• Received payments and posted amounts to customer accounts.
• Negotiated payment plans with customers to satisfy delinquent accounts.
• Identified and resolved customer issues in a timely manner.
• Encouraged customers to pay due amounts on credit accounts, claims or overdrawn checks.
• Developed rapport with customers to ensure satisfaction with resolution process.
• Coordinated with legal department on litigation processes for non-responsive debtors.
• Negotiated credit extensions to assist customers in paying overdue accounts.
• Monitored overdue accounts using automated information systems.
• Utilized various communication channels to contact debtors and negotiate settlements.
• Evaluated each customer's situation with fresh eye in order to develop most effective solution.
• Informed customers about issue resolution processes and progress and negotiated resolution of disputes.
• Recorded and updated customer personal accounts with accurate contact information.
• Educated customers about their rights under state and federal debt collection laws.
• Implemented collection strategies to reduce outstanding account balances.
• Advised delinquent customers on strategies for debt repayment.
• Processed payments over phone and set up recurring drafts.
• Educated debtors on the importance of credit health and the consequences of non-payment.
• Provided training and guidance to new collections staff on best practices and company policies.
• Provided superior customer service through effective communication skills.
• Recorded information about customers' financial status and collections status efforts.
• Met demands of busy collections group by performing high volume of daily calls.
• Arranged debt repayment or established schedules for repayment based on customer's financial situation.
• Collaborated with other departments on escalated cases involving complex issues.
• Retail credit card collections: maintaining positive interactions to achieve a high retention percentage. Providing financial opportunities and payment plan resolutions.
• Stayed on top of daily workload with speed and efficiency.

Addressed time away from workforce effectively.

• Creating a warm, welcoming environment by overseeing day-to-day home operations.
• As a homemaker, my top priority is caring for others, preparing meals, doing laundry, and organizing.
• Looking for the well-being of my children and elderly mother.
• Looking after the health, safety, and comfort of family members.

• Resolved customer complaints and inquiries, ensuring high levels of customer satisfaction.
• Used customer information to tailor recommendations to promote or sell travelers' checks, savings bonds and cashier's checks.
• Monitored customer accounts for suspicious activity or fraud attempts.
• Responded promptly to customer requests via email and phone calls.
• Maintained confidentiality of banking records and client information to avoid possible data breaches.
• Developed and maintained online banking services for customers.
• Educated customers on banking policies, procedures, and digital banking platforms.
• Reviewed feedback from customers concerning their experience with the bank's website.
• Provided guidance to customers on using online banking tools such as transfers, payments, deposits.
• Implemented strategies to promote banking services and products, increasing sales and customer engagement.
• Provided financial advice to clients, helping them make informed decisions about savings, loans, and investment products.
• Identified transaction errors when debits and credits did not balance.
• Provided training to new employees on banking systems, customer service, and sales techniques.
• Researched customer complaints and resolved technical issues related to online banking accounts.
• Promoted facility security by monitoring customer behaviors and following established protocols to protect individuals and assets.
• Developed and maintained relationships with potential and existing clients to expand the customer base.
• Provided support during scheduled outages or upgrades of the bank's website.
• Troubleshot customer inquiries regarding passwords and security questions.
• Offered every customer exceptional service levels by remaining friendly and professional during every transaction.
• Conducted account maintenance activities, such as updating personal information and resolving discrepancies.
• Utilized various software and tools to streamline processes and optimize performance.
• Managed daily customer transactions, including deposits, withdrawals, and transfers, ensuring accuracy and efficiency.

• Utilized advanced technical skills and expertise to troubleshoot complex problems and implement solutions.
• Assisted with customer requests and answered questions to improve satisfaction.
• Worked effectively in team environments to make the workplace more productive.
• Managed time effectively to ensure tasks were completed on schedule and deadlines were met.
• Prioritized and organized tasks to efficiently accomplish service goals.
• Conducted comprehensive research and data analysis to support strategic planning and informed decision-making.
• Assisted customers with deposits, withdrawals, transfers, and other banking transactions.
• Conducted research into customer questions or problems using available resources.
• Monitored customer satisfaction levels through surveys and feedback forms.
• Updated system with order specifics and customer details, preferences, and billing information.
• Checked customers' identification when necessary in compliance with anti-money laundering regulations.
• Processed loan applications and verified documentation for accuracy.
• Engaged in conversation with customers to understand needs, resolve issues and answer product questions.
• Cross-sold bank products such as credit cards, loans, and insurance policies.
• Processed wire transfers in accordance with established policies and procedures.
• Identified potential fraud cases and reported them to the supervisor.
• Received telephone calls from customers regarding their accounts or services provided by the bank.
• Contacted customers about potential service upgrades, new services and account changes.
• Led on- and off-site customer support teams across multiple time zones.
• Maintained records of customer accounts including transactions and balances.
• Adhered to all applicable laws, regulations, policies, and procedures relating to financial services.

• Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
• Provided excellent service and attention to customers when face-to-face or through phone conversations.
• Resolved problems or discrepancies concerning customers' accounts.
• Conducted performance evaluations for teller staff, offering constructive feedback and setting goals.
• Reduced errors by double checking transactions.
• Performed regular audits on teller drawers to maintain accuracy and prevent fraud.
• Handled cash transactions, balanced cash drawers, performed loan payments and issued cashier's checks.
• Facilitated communication between teller line and bank management on operational issues.
• Led weekly staff meetings to discuss goals, objectives, and performance metrics.
• Conducted regular audits of operational processes to identify areas for improvement.
• Ordered checks, placed stop payment orders and conducted additional special services for customers.
• Kept teller window areas clean, organized, and fully stocked.
• Monitored daily cash levels in the vault and reconciled discrepancies.
• Monitored and maintained security procedures to protect both staff and customers.
• Managed daily operations of teller line, ensuring compliance with bank policies and procedures.
• Prepared official checks for customer and internal bank needs.
• Promoted facility security by monitoring customer behaviors and following established protocols to protect individuals and assets.
• Verified amounts and integrity of every check or funds transfer.
• Managed a team of tellers and ensured proper training on all banking policies and procedures.
• Resolved customer complaints and inquiries, providing exceptional service and retaining client loyalty.
• Ensured adherence to all applicable laws and regulations related to banking operations.
• Balanced bank's vault of daily cash for withdrawals and deposits.
• Adhered to strict guidelines regarding financial and customer data to avoid breaches and information misuse.
• Handled complex transactions and provided backup support to other tellers as needed.
• Reviewed customer account information to verify accuracy and resolve any outstanding issues.
• Helped customers open and close accounts, apply for loans and make sound financial decisions.
• Increased knowledge of banking products and services by actively participating in available training classes and workshops offered to employees.