Kayla Hobbs
Jacksonville,US
Summary
Detail-oriented risk and financial services professional with skills in conducting risk-based reviews, performing due diligence, and identifying red flags through analysis of complex financial data. Proven ability to verify customer information, deliver exceptional customer service, support investigations, assess customer risk, and ensure adherence to internal policies and regulatory standards in fast-paced environments.
Overview
5
5
years of professional experience
Work History
Retail Credit Analyst II
TD Auto Finance
US
03.2025 - Current
- Conduct risk-based analysis of customer financial profiles, credit reports, and to assess creditworthiness and identify potential risk.
- Perform due diligence to identify red flags, inconsistencies, and unusual patterns in financial data, supporting risk-based decision-making and escalation of higher-risk accounts
- Make recommendations for approvals, denials, and modifications in alignment with internal policies and regulatory guidelines
- Review and verify customer information to support accurate decision-making and maintain data integrity.
- Monitor and identify early risk indicators and take proactive steps to mitigate potential financial losses
- Collaborate with internal stakeholders to support sound risk decisions and ensure compliance with regulatory standards
Claims Adjuster
Fortegra
US
04.2023 - 03.2025
- Conducted detailed investigations of insurance claims by reviewing financial documents, policy information, and supporting evidence
- Identified discrepancies, inconsistencies, and potential fraud indicators, supporting risk-based investigations and escalation where appropriate
- Evaluated claims to determine coverage, liability, and financial impact in accordance with policy terms and regulatory requirements
- Communicated directly with customers, claimants, vendors, and third parties to gather information, explain requirements, and resolve issues.
- Maintained detailed documentation of investigative findings to support audit readiness and compliance standards
Claims Associate
State Farm Insurance Inc
US
12.2021 - 04.2023
- Conduct risk-based analysis of customer financial profiles, credit reports, and to assess creditworthiness and identify potential risk.
- Perform due diligence to identify red flags, inconsistencies, and unusual patterns in financial data, supporting risk-based decision-making and escalation of higher-risk accounts
- Make recommendations for approvals, denials, and modifications in alignment with internal policies and regulatory guidelines
- Review and verify customer information to support accurate decision-making and maintain data integrity.
- Monitor and identify early risk indicators and take proactive steps to mitigate potential financial losses
- Collaborate with internal stakeholders to support sound risk decisions and ensure compliance with regulatory standards
Education
Bachelor of Science - Sports and Exercise Science
University of Central Florida
Orlando, FL12.2019
Skills
- Financial & credit risk analysis
- Loan application review & file monitoring
- Financial Document Review and Analysis
- Problem-Solving and Critical Thinking
- Risk assessment & decision-making
- Customer Verification & Profile Maintenance
- Customer Service & Relationship Management
- Data Accuracy & Record Maintenance
Timeline
Retail Credit Analyst II
TD Auto Finance
03.2025 - Current
Claims Adjuster
Fortegra
04.2023 - 03.2025
Claims Associate
State Farm Insurance Inc
12.2021 - 04.2023
Bachelor of Science - Sports and Exercise Science
University of Central Florida