KRISTOPHER LUDDEN
Tampa,United States
Summary
Skilled Fraud Analyst with a proven track record in delivering impactful results. Adept at team collaboration and flexible in adapting to ever-evolving organizational needs. Expert in fraud analysis, consistently driving successful outcomes at an individual and team level. Known for reliability and strong focus on achieving objectives.
Overview
10
10
years of professional experience
Work History
Fraud Prevention and Detection Specialist
USAA Federal Savings Bank
Tampa, FL
07.2024 - Current
- Performs risk assessments to determine level of fraud risk and prioritize loss prevention, protecting our membership and organization as a whole.
- Consistently exceeds performance targets by demonstrating keen attention to detail and exceptional analytical skills in identifying fraudulent patterns.
- Maintains up-to-date knowledge of regulations related to fraud prevention and dispute resolution, ensuring compliance with relevant laws and guidelines.
Mortgage Loan Processor
NVR Mortgage
Tampa, FL
08.2023 - 04.2024
- Partnered with Originations, Underwriting, Closing, and Post Closing departments with an emphasis on fraud detection, investigation, and financial analysis.
- Managed a pipeline of 50+ new construction loans from application to close of the loan.
DMS Sales Agent
Humana Inc.
Tampa, FL
04.2023 - 08.2023
- Developed strong relationships with clients through excellent customer service and regular follow ups.
- Negotiated contracts with prospective clients, helping to secure long-term business partnerships.
Mortgage Loan Processor
USAA Federal Savings Bank
Tampa, FL
01.2022 - 03.2023
- Ensured compliance with regulatory standards by diligently reviewing loan data to ensure no indications of mortgage fraud or identity theft while maintaining high levels of efficiency.
- Accurately and efficiently managed a large pipeline of various mortgage loan types including VA, Conventional, Jumbo, and New Construction.
Pipeline Account Manager
PennyMac Financial Services, Inc.
Tampa, FL
10.2020 - 01.2022
- Conducted daily audit reviews to help resolve client issues and strengthen relationships.
- Managed clients nationwide to help facilitate closings while providing excellent service within the Non-Delegated Mortgage Fulfillment department.
Mortgage Loan Processor
USAA Federal Savings Bank
Tampa, FL
12.2015 - 10.2020
- Ensured compliance with regulatory standards by diligently reviewing loan data to ensure no indications of mortgage fraud or identity theft while maintaining high levels of efficiency.
- Evaluated documents for loan approval process which include appraisals, credit reports, asset statements, and income documentation.
Education
Bachelor of Arts - Communication
University of South Florida
Tampa, FLSkills
- Financial Data Analysis
- Anti-Fraud Systems
- Procedure Review
- Dispute Resolution
- AML Compliance
- Effective Time Management
- Ability to Work Under Pressure
- Adaptability
- Communication Skills
- OCC Fraud Risk Management
- REG CC
- REG E
- BSA/AML
- FCRA
- Microsoft Office Suite
Timeline
Fraud Prevention and Detection Specialist
USAA Federal Savings Bank
07.2024 - Current
Mortgage Loan Processor
NVR Mortgage
08.2023 - 04.2024
DMS Sales Agent
Humana Inc.
04.2023 - 08.2023
Mortgage Loan Processor
USAA Federal Savings Bank
01.2022 - 03.2023
Pipeline Account Manager
PennyMac Financial Services, Inc.
10.2020 - 01.2022
Mortgage Loan Processor
USAA Federal Savings Bank
12.2015 - 10.2020
Bachelor of Arts - Communication
University of South Florida