Maria Fatima Figuracion
Antioch,CA
Summary
Results-driven and detail-oriented Payments Supervisor with over 15 years of experience in managing and optimizing payment processing systems. Adept at overseeing transaction workflows, ensuring compliance with industry regulations, and leading cross-functional teams to enhance operational efficiency. Seeking to leverage expertise in payment reconciliation, fraud prevention, and team leadership to contribute in the company’s growth and success by delivering exceptional financial management and customer satisfaction.
Overview
17
17
years of professional experience
Work History
Zelle Operations Supervisor
JP Morgan Chase
Walnut Creek, CA
06.2023 - 07.2024
- Assisted with the successful First Republic Bank transition to JP Morgan Chase
- Participated in multiple system transition project with testing and validations
- Trained JP Morgan Chase employees on daily operational functions and dispute resolution
- Worked with Fiserv (vendor) to efficiently transition contacts and escalations to Chase
- Reconciled GLs and cleared outstanding items for GL closures
- Assisted the Chase management team post bank transition for any client dispute, GL and system functions.
Zelle Operations Supervisor
First Republic Bank
San Francisco, CA
07.2016 - 06.2023
- Supervised day to day activities and escalations for Realtime Zelle and External Transfer operation
- Supervised ACH, Realtime Zelle and External Transfer disputes ensuring timely resolution
- Handled department projects such as updating current systems and implementing new products
- Updated and reviewed department procedures
- Reconciled and certified GL’s for daily client and vendor transactions ensuring no out of balances
- Managed Realtime Zelle and External Transfer client disputes ensuring quick and timely resolution
- Monitored for SCAM and Fraud trends and risks while working with multiple internal departments and vendor to resolve any potential customer impact
- Monitored volumes and deadlines and ensure efficient daily workflows
- Performed monthly, quarterly and annual reviews and certifications for internal and external audits ensuring compliance with current policies and procedures and are in adherence to NACHA and Regulation E requirements
- Worked with external vendor to ensure system updates are executed with minimal operational and client impact.
Zelle Operations Team Lead
First Republic Bank
San Francisco, CA
03.2020 - 01.2023
- Performed daily Realtime Zelle and External Transfer functions
- Assisted internal departments with transaction inquiries and error resolution
- Monitored transactions for SCAM and Fraud trends and identified potential risks
- Reconciled daily GLs for any out of balances
- Worked with management on internal and external audits to ensure documents are in compliance bank policies and procedures and adhere to NACHA and Regulation E requirements
- Processed Zelle and External Transfer and ACH disputes ensuring timely quick and timely resolution in accordance with NACHA rules and Regulation E
- Trained employees on the daily Realtime Zell, External Transfers and ACH functions as a subject matter expert.
Senior FX Wire Transfer Specialist
First Republic Bank
San Francisco, CA
07.2016 - 02.2020
- Supervised the input, verification, and approval of outgoing FX wires, ensuring compliance with regulatory requirements and accurate settlement instructions
- Managed incoming and outgoing SWIFT messages (MT103/MT202/MT900s), facilitating smooth and accurate FX transactions
- Settled and released various FX corporate trades, including Client Spot/Forwards, FCA Drafts, and Dodd Frank payments
- Conducted phone confirmations of FX wire settlement instructions with clients to minimize risks and ensure transaction accuracy
- Ensured compliance with BSA, AML, OFAC, and Dodd Frank Reg E for all FX wire transactions
- Processed client trade disputes and payment inquiries ensuring timely resolution and compliance with Regulation E
- Performed monthly, quarterly and annual reviews and certifications
- Established and approved new system profiles for FX clients and resolved NSF/Rejected transactions
- Executed manual OFAC checks for exotic currency payments and provided comprehensive Treasury and Investment reporting
- Led department procedures updates and participated in DR testing to ensure business continuity.
Senior Securities Ops Service Specialist
Wells Fargo Bank NA
San Francisco, CA
04.2013 - 07.2016
- Researched and investigated customer account disputes, ensuring timely resolution and effective follow-up
- Coordinated with various departments to manage foreign exchange contracts and confirmed settlement instructions to minimize fraud
- Reviewed, instructed, and authorized incoming and outgoing SWIFT messages, including MT103/MT202 and multi-currency transactions
- Processed international wires in compliance with OFAC regulations and handled float match processing and manual requests
- Managed transaction exceptions and escalated system issues to technology support, ensuring prompt resolution
- Participated in UAT environment testing and training for new hires on FX retail processes.
Cash Vault Operations Team Lead
Wells Fargo Bank NA
San Francisco, CA
03.2007 - 03.2013
- Oversaw the receipt, batching, and processing of cash, check, and coin deposits, ensuring accuracy and efficiency
- Led the Change Processing team, balancing vault inventory, preparing change order shipments, and managing workflow
- Reconciled customer and branch coin deposits, balanced transactions, and coordinated with third-party vendors for coin inventories
- Trained new team members, monitored team productivity, and facilitated meetings to boost morale and maintain high standards.
Education
BBA - Business Management
University of Phoenix
San Francisco, CAHigh School Diploma -
Lowell High School
San Francisco, CASkills
- Payment Processing Management
- Regulatory Compliance
- Fraud Prevention
- Financial Reconciliation
- Problem Solving
- Vendor Management
- Reporting and Documentation
- Team Leadership
- Customer Service
- Attention to Detail
- Communication Skills
Timeline
Zelle Operations Supervisor
JP Morgan Chase
06.2023 - 07.2024
Zelle Operations Team Lead
First Republic Bank
03.2020 - 01.2023
Zelle Operations Supervisor
First Republic Bank
07.2016 - 06.2023
Senior FX Wire Transfer Specialist
First Republic Bank
07.2016 - 02.2020
Senior Securities Ops Service Specialist
Wells Fargo Bank NA
04.2013 - 07.2016
Cash Vault Operations Team Lead
Wells Fargo Bank NA
03.2007 - 03.2013
BBA - Business Management
University of Phoenix
High School Diploma -
Lowell High School
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