Hi, I’m
Mario Alvarez
Waukee,IA
Summary
Dynamic and seasoned financial professional with 11 years of comprehensive experience across underwriting, know your customer (KYC)/due diligence, and fraud detection/investigation. Recognized for exceptional adaptability to industry changes, adeptness in independent work, and a commitment to upholding established policies and procedures. Proven track record in multitasking, problem-solving, and meticulous research. Thrives in high-pressure environments, consistently delivering results while maintaining the highest standards of integrity. A dedicated team player known for driving efficiency and excellence in financial operations.
Overview
12
years of professional experience
Work History
Randstad USAWest Des Moines, Iowa
Fraud & Claims Operations Associate
10.2023 - 03.2024
Job overview
- Conducts thorough examinations of reported incidents involving personal account or discriminatory fraud allegations.
- Leads investigations into suspected cases of identity theft or other forms of financial fraud, employing advanced techniques and methodologies.
- Utilizes advanced analytics to scrutinize customer profiles, identifying irregular or suspicious behavioral patterns indicative of fraudulent activity.
- Monitors and tracks fraudulent activities across diverse channels, including online banking, mobile banking, and ATMs, employing cutting-edge fraud detection tools and technologies.
- Compiles comprehensive reports detailing findings from investigations into suspected fraudulent activities, providing actionable insights to stakeholders.
- Analyzes and evaluates confidential and highly sensitive investigative materials pertaining to various internal and external entities, ensuring thoroughness and accuracy in assessments.
Hillcrest Country Club Adel, IA
Golf Course Maintenance Technician
03.2023 - 10.2023
Job overview
- Kept appearance of turf neat and professional with daily mowing, trimming and maintenance.
- Used hand-held tools to maintain green spaces.
- Assisted in the training of new employees.
Wells FargoDes Moines, IA
Underwriter
05.2021 - 01.2023
Job overview
- Ensured adherence to company and regulatory policies, with a focus on identifying and mitigating potential risks related to financial irregularities.
- Conducted detailed analysis of tax returns, financial statements, and applicant information to evaluate loan eligibility and detect any signs of suspicious activity or misrepresentation.
- Evaluated loans against portfolio and investor guidelines, applying rigorous criteria to identify discrepancies and potential risks.
- Utilized internal and external resources to investigate and report unusual activity, contributing to the prevention and detection of fraudulent behavior while ensuring compliance with regulatory standards.
Wells FargoWest Des Moines, IA
Due Diligence Analyst
04.2019 - 05.2021
Job overview
- Played a key role in supporting risk assessment activities by conducting thorough analysis and gathering pertinent data, enabling informed decision-making processes.
- Demonstrated exceptional diligence in monitoring and upholding compliance with rigorous internal controls and government regulations, ensuring the integrity and security of financial operations.
- Proactively verified documentation against stringent compliance standards, promptly identifying and communicating deficiencies to facilitate swift resolution and mitigate potential risks.
- Contributed significantly to Due Diligence reviews of bank customers and related parties, leveraging astute analytical skills to assess complex risk factors and determine the suitability of relationships for Wells Fargo.
- Executed Know Your Customer (KYC), Beneficial Ownership, Anti-Money Laundering (AML), Bank Secrecy Act (BSA), and Customer Due Diligence policies with precision and accuracy, reinforcing the bank's commitment to regulatory compliance and risk mitigation.
Wells FargoWest Des Moines, IA
Consumer Loan Underwriter II
11.2014 - 04.2019
Job overview
- Engineered personalized debt payment strategies, aligning client credit, income, and liabilities to bolster financial stability and satisfaction.
Innovated solutions for clients grappling with credit challenges, showcasing adept problem-solving skills and delivering impactful outcomes. - Ensured lending integrity through meticulous verification of client financial data, enhancing accuracy in credit assessment and streamlining loan processes.
- Investigated and documented suspicious financial activities, safeguarding clients and the institution from potential fraud risks.
- Conducted insightful client interviews to gather critical information on suspected fraud cases, contributing to thorough investigations and financial integrity preservation.
Wells FargoDes Moines, IA
Operational Risk Consultant I
04.2014 - 11.2014
Job overview
- Utilized data provided by Retail Banking Offices to obtain accurate risk ratings, ensuring comprehensive risk assessment and informed decision-making.
- Spearheaded data integrity efforts by meticulously identifying and rectifying data entry errors, mitigating duplication across systems and upholding data quality standards.
- Upheld database integrity by promptly entering new and updated customer and account information, contributing to the accuracy and reliability of organizational data assets.
Wells FargoDes Moines, IA
Loan Document Specialist III
04.2012 - 04.2014
Job overview
- Orchestrated the seamless submission of comprehensive loan packages to the underwriting department, meticulously assembling and presenting detailed documentation to facilitate swift and informed approval or denial processes.
- Spearheaded the clearance of underwriting conditions, demonstrating keen attention to detail and proficiency in obtaining and verifying essential documentation to prepare loan files for submission and approval, ensuring compliance with regulatory requirements and organizational standards.
- Exercised thoroughness and precision in inspecting loan documentation, conducting meticulous reviews to identify and rectify any errors or discrepancies, thereby enhancing the accuracy and integrity of loan files.
- Fostered strong customer relationships by serving as a primary point of contact, engaging in proactive communication to address inquiries, facilitate transactions, and resolve issues promptly and effectively, ensuring a seamless and satisfactory experience for clients throughout the loan process.
Education
Des Moines Area Community CollegeAnkeny, IA
Associate of Arts
05.2016
Skills
- Problem Solving
- Fraud Detection and Investigation
- Analytical and Critical Thinking
- Attention to Detail
- Policy Interpretation
- Team Leadership Abilities
- Teamwork and Collaboration
- Multitasking and Prioritization
Timeline
Fraud & Claims Operations Associate
Randstad USA
10.2023 - 03.2024
Golf Course Maintenance Technician
Hillcrest Country Club
03.2023 - 10.2023
Underwriter
Wells Fargo
05.2021 - 01.2023
Due Diligence Analyst
Wells Fargo
04.2019 - 05.2021
Consumer Loan Underwriter II
Wells Fargo
11.2014 - 04.2019
Operational Risk Consultant I
Wells Fargo
04.2014 - 11.2014
Loan Document Specialist III
Wells Fargo
04.2012 - 04.2014
Des Moines Area Community College
Associate of Arts