Summary
Overview
Work History
Education
Skills
Certification
Languages
Timeline
Generic

Lindy Flores

Mansfield,Texas

Summary

Skilled in identifying, investigating, and resolving complex financial frauds with background as Fraud Examiner. Possess strong analytical skills to detect discrepancies and inconsistencies in financial documents and transactions. Capable of utilizing advanced technology tools for data analysis and evidence gathering. Contributed to reducing fraud losses by implementing effective preventive measures and conducting thorough investigations leading to successful resolution of fraudulent activities.

Overview

30
30
years of professional experience
1
1
Certification

Work History

AVP Fraud & Disputes

TEXAS TRUST CREDIT UNION
05.2024 - 04.2025
  • Oversaw team of 10 employees to enhance operational effectiveness.
  • Developed and implemented fraud detection strategies, risk mitigation measures, and dispute resolution processes.
  • Monitored fraud trends and analyzed suspicious activity reports, recommending proactive solutions.
  • Managed case processing for fraud claims and member disputes across multiple payment channels.
  • Ensured compliance with relevant regulations to mitigate legal risks.

Fraud Services Manager

TEXAS TRUST CREDIT UNION
06.2022 - 05.2024
  • Oversaw two fraud investigators, conducting in-depth investigations on complex fraud cases.
  • Ensured compliance with Reg E, Reg Z, Reg CC, and credit union policies.
  • Collaborated with Jack Henry to implement loss mitigation rules.
  • Generated quarterly reports for Supervisory Committee detailing fraud losses.
  • Participated in monthly Intel meetings with law enforcement and financial institutions to monitor trends.
  • Established policies and procedures to safeguard credit union assets.

Fraud Supervisor

AMERICAN AIRLINES FEDERAL CREDIT UNION
01.2020 - 02.2022
  • Led a team of four employees to enhance operational efficiency.
  • Implemented rules through Visa to reduce fraud losses.
  • Collaborated with Visa DPS to maintain low false positives.
  • Partnered with PSCU to address credit card fraud loss.
  • Updated Supervisory Committee reports for Board of Directors review.
  • Identified process improvement opportunities within systems.
  • Revised policies and procedures for fraud group compliance.

Fraud Analyst

AMERICAN AIRLINES FEDERAL CREDIT UNION
10.2009 - 01.2020
  • Reviewed, researched, and resolved fraudulent activity concerning member accounts to minimize losses.
  • Communicated with members regarding claims to facilitate timely fund recovery.
  • Performed compliance activities related to Regulation E, CC, FACTA, and Z.
  • Collaborated with PSCU on fraud performance analysis of credit and debit card products.
  • Provided member-facing fraud education during CU events to enhance awareness.
  • Monitored fraud trends through training seminars, webinars, and BVS training sessions.
  • Utilized data analysis to generate fraud analysis reports tracking loss percentages for debit, ATM, and Visa cards.
  • Focused on various fraud types, including debit card and check fraud, as well as ACH and identity theft cases.

Mortgage Loan Officer

AMERICAN AIRLINES FEDERAL CREDIT UNION
11.2007 - 10.2009
  • Evaluated creditworthiness and collateral for conventional residential mortgage loans.
  • Coordinated closings while ensuring compliance with NCUA guidelines and Fannie Mae regulations.
  • Guided members throughout mortgage process, providing support and information at each step.

Time and Attendance Coordinator

AMERICAN AIRLINES FEDERAL CREDIT UNION
11.2006 - 11.2007
  • Managed time and attendance for 500 Credit Union staff, ensuring accurate schedule adjustments and employee records.
  • Notified supervisors of Jetnet P&P guidelines, jury duty, and other non-self-managed situations.

Consumer Loan Officer

AMERICAN AIRLINES FEDERAL CREDIT UNION
03.2001 - 11.2006
  • Serviced member needs via telephone for Home Equity and Consumer Lending departments.
  • Analyzed financial status and creditworthiness to assess loan eligibility.
  • Examined loan applications to ensure compliance with NCUA regulations and internal policies.

Loan Processor/Closer

AMERICAN AIRLINES FEDERAL CREDIT UNION
04.1998 - 03.2001
  • Collaborated with Loan Officers and Credit Union members to input data in LNAP and disburse loan funds.
  • Fielded phone calls from credit union members to finalize loan requests efficiently.
  • Executed administrative tasks as required by department and loan officers.
  • Cross-sold Credit Union products and services to enhance member engagement.
  • Assisted members in addressing diverse financial needs effectively.

Manager

BANK OF AMERICA
08.1995 - 04.1998
  • Oversaw team of five customer service representatives, managing drawer balancing, resolving ATM issues, and facilitating account openings and closings

Education

Associate of Arts Degree -

Tarrant County College
Arlington, Texas
12.2013

Skills

  • Fluent in Spanish
  • Fraud detection and prevention
  • Risk management
  • Dispute resolution
  • Operational efficiency
  • Case management
  • Problem solving
  • Policy development
  • Internal communications
  • Microsoft Office proficiency
  • Analytical decision-making
  • Prioritization and multitasking
  • Investigative research techniques
  • Detail-oriented and adaptable

Certification

  • Association of Certified Fraud Examiners
  • Certified Fraud Examiner - December 2016

Languages

Spanish
Professional

Timeline

AVP Fraud & Disputes

TEXAS TRUST CREDIT UNION
05.2024 - 04.2025

Fraud Services Manager

TEXAS TRUST CREDIT UNION
06.2022 - 05.2024

Fraud Supervisor

AMERICAN AIRLINES FEDERAL CREDIT UNION
01.2020 - 02.2022

Fraud Analyst

AMERICAN AIRLINES FEDERAL CREDIT UNION
10.2009 - 01.2020

Mortgage Loan Officer

AMERICAN AIRLINES FEDERAL CREDIT UNION
11.2007 - 10.2009

Time and Attendance Coordinator

AMERICAN AIRLINES FEDERAL CREDIT UNION
11.2006 - 11.2007

Consumer Loan Officer

AMERICAN AIRLINES FEDERAL CREDIT UNION
03.2001 - 11.2006

Loan Processor/Closer

AMERICAN AIRLINES FEDERAL CREDIT UNION
04.1998 - 03.2001

Manager

BANK OF AMERICA
08.1995 - 04.1998

Associate of Arts Degree -

Tarrant County College

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