Katrina Navratil
Terrell,Texas
Summary
Dynamic Fraud Specialist II with a proven track record at American National Bank of Texas, excelling in fraud investigation and regulatory compliance. Recognized for exceptional customer service and adept data analysis, I effectively mitigate risks and enhance operational efficiency. Skilled in utilizing advanced financial systems, I consistently drive results and exceed performance expectations.
Overview
10
10
years of professional experience
Work History
Fraud Specialist II
American National Bank of Texas
Terrell, Texas
11.2018 - Current
- Conduct comprehensive fraud investigations using Verafin case management system and community monitoring tools
- Manage debit card operations through Client Central, including exclusions, compromised card monitoring, and comprehensive card management
- Process complex fraud cases in Fiserv system while maintaining detailed Excel spreadsheets for loss tracking and analysis
- Collaborate with investigators on high-priority cases requiring specialized attention and documentation
- Retrieve and analyze surveillance footage using Costar system to support fraud investigations
- Process daily clearance operations for deposits, checks, ACH payments, online banking transfers, and inactive accounts
- Monitor and respond to security bulletins for compromised debit cards, implementing protective measures until merchant verification
- Handle specialized daily operations including ACH returns/corrections, Ensenta deposit reviews, Secure Now Daily Denial processing, and Alert Center management
- Provide expert customer service support to banking centers and customers regarding fraud-related inquiries
- Demonstrate proficiency in 10-key data entry and Microsoft Office Suite (Word, Excel)
Account Servicing Specialist II
American National Bank of Texas
Terrell, TX
10.2021 - 03.2024
- Processed complex disputes for debit cards, ACH transactions, ATM issues, and Zelle payments
- Utilized Centrix dispute management system for claim input, documentation, and case closure
- Applied expertise in Reg E and NACHA regulations to ensure compliant claim processing within required timelines
- Generated and analyzed multiple debit card reports through Fiserv to optimize dispute resolution workflows
- Resolved ACH error corrections to ensure accurate posting of debits and credits to customer accounts
- Managed customer communications through multiple channels including email, online banking messages, and banking center coordination
- Partnered with Fraud Department to monitor dispute-related losses and implement risk mitigation strategies
- Consistently exceeded performance expectations while supporting department-wide goal achievement
- Maintained high-quality work output under pressure to meet critical deadlines
Service Associate II
American National Bank of Texas
11.2017 - 11.2018
- Performed commercial teller operations with focus on business banking relationships
- Delivered exceptional daily customer service while maintaining operational efficiency
- Managed ATM balancing responsibilities twice weekly with 100% accuracy
- Operated TCR system and maintained daily balance reconciliation
- Actively promoted bank products and services, contributing to branch sales goals
- Handled vault and coin machine operations during staff absences
- Supported team members and demonstrated commitment to continuous learning
- Maintained proficiency in 10-key data entry operations
Teller II/Vault Teller
Legacy Texas
10.2015 - 11.2017
- Provided exceptional customer service while identifying opportunities for product cross-selling
- Served as backup Assistant Manager during absences, demonstrating leadership capabilities
- Led teller team during management meetings and training sessions
- Managed daily cash drawer and vault balancing with zero discrepancies
- Operated efficiently across multiple branch locations (Main and Motor bank)
- Assisted with financial reports and cash audit procedures
- Collaborated effectively with business banking team members
Education
Associate's Degree - Computer Information Systems
Education America
Garland, TX07-1999
Skills
- Fraud investigation and analysis
- Regulatory compliance
- Customer service excellence
- Financial systems management
- Dispute resolution
- Team leadership
- Data analysis and reporting
- Risk management
- Multi-location operations
- Fraud detection systems
- Banking platforms
- Microsoft Office Suite proficiency
- Specialized systems expertise
- Data entry
References
Available upon request
Timeline
Account Servicing Specialist II
American National Bank of Texas
10.2021 - 03.2024
Fraud Specialist II
American National Bank of Texas
11.2018 - Current
Service Associate II
American National Bank of Texas
11.2017 - 11.2018
Teller II/Vault Teller
Legacy Texas
10.2015 - 11.2017
Associate's Degree - Computer Information Systems
Education America