Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Medjine Kulesa

Middleburg,FL

Summary

Motivated banking professional of 15 years who thrives in fast-paced environments. Works independently, with minimal supervision, and pitches in to complete tasks. Demonstrated consistently strong work ethic and adherence to company policy and procedures.

Overview

16
16
years of professional experience
1
1
Certification

Work History

Electronic Payment Specialist

VyStar Credit Union
09.2021 - Current
  • Respond to inquiries regarding accounts and payments.
  • Reconcile general ledger to verify payments and resolve variances.
  • Investigate daily variances and correct errors to resolve discrepancies.
  • Process member account adjustments due to processing errors on behalf of the credit union.
  • Resolve issues with outstanding credits/debits related to ACH/Funds Transfer/Real-Time Payments.
  • Process disputes for unauthorized transactions.
  • Research fraudulent transactions.

Electronic Payment Specialist

Alluvion Staffing
03.2021 - 09.2021
  • Responsible for reviewing and processing government benefit reclamations and Death Notification Entry from the Department of Treasury
  • Perform daily balancing of the ACH Tracker Balancing Sheet which includes returns and settlements
  • Respond to emails from branches, call centers, and other departments to address inquiries and concerns
  • Process ACH stop payments
  • Update bank records for phone transactions
  • Document Exposure Limits for ACH Originators
  • Carry out day-to-day duties accurately and efficiently
  • Perform other tasks as assigned to support the department.

Deposits Customer Care – Sr. Consultant

Ally Bank
03.2020 - 02.2021
  • Knowledgeable of consumer banking, specifically servicing checking, debit card, savings, CD, IRA, and Trust accounts through channels of inbound and outbound calls, and emails.
  • Assisted customers with opening various types of accounts, such as personal checking and savings, money market, certificates of deposit, and Trust and IRA accounts.
  • Assisted customers with online banking services access, navigation, forms, and bill payment services.
  • Initiated transaction disputes for research on personal accounts and debit cards and provided resolution details once complete.
  • Provided regulatory disclosures and information on new and other specific types of accounts, products, and services in accordance with the company’s policies, procedures, and federal and state regulations.
  • Responsible for handling personal account transactions, such as deposits, ACH transactions, transfers, withdrawals, and debit cards.
  • Performed changes to customers’ profiles such as names, addresses, telephone numbers, beneficiaries, and account maintenance in ways of issuing or reordering debit cards, canceling debit cards due to disputes/fraudulent claims, orders of personal checks, and official/cashier’s checks.
  • Educated clients on account services and resolved client inquiries regarding statement information and account balances.

Contract Processor

Ally Bank
04.2011 - 03.2020
  • Worked collaboratively with dealers, sales, and underwriting teams to resolve inquiries regarding auto contract cancellation requests.
  • Processed cancellation and re-establishment of auto contracts.
  • Processed debit and credit transactions from dealers.
  • Timely reviewed and audited new and existing loans/contracts to comply with pricing, policy guidelines, and state-specific requirements.
  • Responded to incoming e-mails regarding general contract cancellation policies and procedures, program information, customer, credit, or dealer-specific questions.
  • Ensured auto contracts complied with pricing/policy guidelines, state-specific requirements, and research exceptions.
  • Compiled and developed research findings and audit results utilizing Excel spreadsheets and/or databases and reported to the management team.
  • Determined the root cause of any identified errors, including system and discounting errors.
  • Ability to work in a high-volume environment in which achieving cycle time and accuracy are required.


Loss Mitigation Specialist

Ally Bank
05.2008 - 04.2011
  • Maintained portfolio of accounts 30-60 days past due daily.
  • Reached out to borrowers to discuss current status and loan workout options.
  • Established, negotiated, maintained and confirmed payment schedules and researched discrepancies.
  • Obtained, verified and updated customer personal information.
  • Maintained strict confidentiality with customer account information.

Education

Bachelor of Science - Accounting, in Progress

Columbia College of Missouri
Columbia, MO

Associate of Arts - Business

Daytona State College
Daytona Beach, FL
05.2013

Skills

  • Microsoft Office (Word, Excel, PowerPoint, Outlook), Loan Origination System, Compass, EFT/FIS, Atlas, Payveris/Bill Pay, and other banking systems
  • Maintains current understanding of and complies with regulations including but not limited to Bank Secrecy Act, USA Patriot Act, Regulation D, Regulation CC, Regulation E, Consumer Reporting Act, Regulation X, ECOA
  • Multitasking and Prioritization
  • Verbal and Written Communication
  • Efficient and Detail-Oriented
  • Knowledgeable of loan financing options such as conventional, FHA, VA, USDA and refinancing

Certification

Notary Public, State of Florida

Licensed Mortgage Loan Originator NMLS# 1425342

Timeline

Electronic Payment Specialist

VyStar Credit Union
09.2021 - Current

Electronic Payment Specialist

Alluvion Staffing
03.2021 - 09.2021

Deposits Customer Care – Sr. Consultant

Ally Bank
03.2020 - 02.2021

Contract Processor

Ally Bank
04.2011 - 03.2020

Loss Mitigation Specialist

Ally Bank
05.2008 - 04.2011

Bachelor of Science - Accounting, in Progress

Columbia College of Missouri

Associate of Arts - Business

Daytona State College

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