Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
Generic

Marissa Balderas

San Antonio,TX

Summary

Dedicated professional with a proven track record of aligning practices with organizational goals. Expertise in managing high-pressure situations and adapting to evolving challenges to strengthen brand presence. Consistently delivers results through organized and efficient work habits.

Overview

16
16
years of professional experience

Work History

Fraud Operations Specialist

CITI Bank USA
San Antonio , Texas
10.2022 - 09.2025
  • Monitored transactions to identify and prevent potential fraud incidents.
  • Investigated suspected identity theft and credit card fraud cases.
  • Analyzed transaction data to identify emerging fraud trends.
  • Reviewed customer accounts for unusual patterns, identifying inconsistencies.
  • Assisted in gathering evidence for reported fraud investigations.
  • Tracked fraudulent activity across online banking, mobile platforms, and ATMs.
  • Ensured compliance with company fraud prevention policies.
  • Trained new staff on best practices for fraud awareness.

Research Remediation Analyst

Wells Fargo & Company
Antonio, TX
02.2014 - 04.2022
  • Analyzed data trends to determine remediation needs and develop solutions.
  • Documented findings in comprehensive reports for stakeholder review.
  • Managed foreclosure processes, ensuring compliance with all legal requirements.
  • Reviewed mortgage documents for accuracy and completeness.
  • Communicated options and solutions effectively with borrowers.
  • Researched discrepancies in foreclosure documents and loan agreements.
  • Examined legal documents including deeds of trust, mortgages, and assignments for relevance.

Special loans processor

Wells Fargo & Company
San Antonio , TX
01.2012 - 02.2014
  • Reviewed and verified documentation for accuracy and completeness.
  • Conducted thorough audits of loan files to verify documentation accuracy.
  • Collaborated with underwriting teams to resolve discrepancies in loan data.
  • Communicated with loan officers to clarify documentation requirements and audits processes.
  • Performed detailed reviews of loan origination processes, policies, and procedures.
  • Investigated any discrepancies found during review process.

Senior Loan Servicing Specialist

Wells Fargo & Company
San Antonio , TX
01.2010 - 02.2012
  • Processed loan servicing requests efficiently and accurately for diverse customer needs.
  • Trained and mentored junior staff on loan servicing procedures and best practices.
  • Managed payment processing and account maintenance for multiple loan types.
  • Assisted customers with account updates, payment plans, and service options.
  • Conducted audits of loan files to identify discrepancies and ensure accuracy.
  • Developed strategies to maximize loan repayment performance.
  • Coordinated with other departments such as collections and legal services when necessary.
  • Identified areas for improvement in processes related to loan servicing functions.

Education

Some College (No Degree) - Social worker

San Antonio College
San Antonio, TX

Paralegal

Pablo Alto College
San Antonio, TX

Skills

  • Fraud analysis
  • Compliance monitoring
  • Data investigation
  • Transaction verification
  • Trend analysis
  • Risk assessment
  • Customer service
  • Documentation review
  • Attention to detail
  • Collaborative teamwork
  • Fraud detection expertise
  • Training and mentoring

Accomplishments

  • Became POC for the return mail process and lead a team or 8 agents
  • Became a SME for check fraud and cross trained agents for process
  • Calls were used during for client obsession week and for quarterly client experience meetings for senior leaders of the business
  • Recognized for the potential and selected to complete the COA program-Contingent Operations Assistant which entailed the following: Provided guidance and peer support to new hires helping accelerate onboarding and reduce errors. Facilitated communication between teams. Served as a point of contact for team inquiries, promoting clear communication and accountability. Acted as a formal team lead. Took initiative in resolving escalations by collaborating with senior management. Lead small process improvement projects

Timeline

Fraud Operations Specialist

CITI Bank USA
10.2022 - 09.2025

Research Remediation Analyst

Wells Fargo & Company
02.2014 - 04.2022

Special loans processor

Wells Fargo & Company
01.2012 - 02.2014

Senior Loan Servicing Specialist

Wells Fargo & Company
01.2010 - 02.2012

Some College (No Degree) - Social worker

San Antonio College

Paralegal

Pablo Alto College