MELISSA SNOVER
Discover Financial Services
Middletown,DE
26
years of professional experience
Results-oriented Financial Services Professional specializing in fraud investigation, data coordination, and process analysis. Expertise in ensuring regulatory compliance, identifying financial risks, and resolving complex account discrepancies. Committed to enhancing workflow efficiency and maintaining data accuracy in fast-paced environments.
Work History
Fraud Specialist
1 Year 11 Months- Investigated suspicious activity by analyzing complex credit card transactions to identify fraud patterns and safeguard cardmember accounts.
- Resolved sensitive fraud-related inquiries, verified transaction legitimacy, and guided cardmembers through security protocols to enhance trust and security.
- Reviewed financial data to detect financial crimes and compiled comprehensive reports on investigative findings for stakeholders to inform decision-making.
- Audit & Regulatory Compliance: Maintain detailed, compliant records of all fraud investigations; present data to internal audit and federal oversight agencies during regulatory reviews.
Payment Processor
2 Years 8 Months- Payment Reconciliation: Processed and reconciled high-volume incoming payments via Western Union, MoneyGram, Pay Scout, VeriCheck, ACH, and bank wire transfers to ensure timely and accurate financial operations.
- Monetary Tracking: Monitored and reconciled daily monetary transactions to maintain zero-balance error tolerances across accounts, ensuring precise account management.
- Financial Accuracy: Prepared and delivered daily reconciliation reports to company accountant, identifying and correcting accounting discrepancies to maintain financial integrity before bank deposits.
Data Coordinator
3 Months- Acted as primary liaison between agency and client stakeholders, managing daily, weekly, and monthly invoice generation for client portfolios.
- Developed and maintained standard operating procedures (SOPs) while importing/updating database files and resolving reporting discrepancies with leadership.
- Oversaw client file transfers and ensured data integrity among agency, external vendors, and primary clients.
Account Manager - Collections
2 Years 4 Months- Account Resolution: Contacted consumers about past-due balances, negotiating and establishing tailored payment plans to improve account recovery.
- Managed delinquent consumer accounts, negotiating repayment arrangements and resolving balances.
- Reviewed account histories to determine appropriate collection strategies and next-step actions.
- Compliance & Record Maintenance: Ensured adherence to federal and state debt collection laws (FDCPA) while maintaining accurate, updated account records to support compliance.
- Communicated with customers professionally to secure commitments and maintain compliance.
Process Analyst
7 Years 5 Months- Partnered with management to correct processing errors, established control reports for monitoring recurring operational issues.
- Monitored customer impact metrics, audited outgoing correspondence to identify and resolve systemic operational flaws.
- Conducted quality reviews on credit analysts, verifying compliance with credit card application processing and regulatory guidelines.
Credit Correspondence Representative
2 Years 4 Months- Drafted and quality-checked written/electronic responses to cardmembers on credit line denials, application status, and formal complaints, ensuring clarity and compliance with company standards.
- Resolved complex customer inquiries, ensuring accurate account information and timely issue resolution.
- Maintained response-time standards per internal guidelines and compiled comprehensive volume reports for senior management, facilitating informed decision-making.
- Reviewed account activity for discrepancies, fraud indicators, and documentation gaps to protect customer relationships.
- Advised clients on deposit, payment, and service options while maintaining strong compliance with policies.
Customer Service Specialist
3 Years 1 Month- Inbound Customer Care: Managed high-volume inbound inquiries on credit line decisions, application status, and credit reporting, ensuring timely and accurate responses.
- Resolved complex customer inquiries across phone, chat, and email using established JPMorgan Chase service protocols.
- Account Servicing & Escalations: Reviewed customer credit reports and updated account records, resolving escalations efficiently to enhance customer satisfaction.
- Managed account servicing tasks, including updates, maintenance, and documentation with strict accuracy.
- Investigated and escalated customer issues to appropriate internal teams, ensuring timely follow-up.
Education
High School Diploma
Skills
Financial Operations: Fraud Investigation
Fraud Detection
Account Reconciliation
Fraud Reporting
Compliance & Risk: Regulatory Compliance
Fraud Risk Assessment
FDCPA Guidelines
Fraud Prevention
Fraud prevention
Anti-fraud systems
Cybersecurity awareness
Fraud Detection
Data analysis
Communication & Leadership: Client Relations
Fraud Case Resolution
Escalation Handling
Process Improvement
Timeline
Fraud Specialist
Discover Financial Services
11.2024 - CurrentRead More
Payment Processor
SIMM Associates, Inc.
03.2022 - 11.2024Read More
Data Coordinator
SIMM Associates, Inc.
12.2021 - 03.2022Read More
Account Manager - Collections
SIMM Associates, Inc.
08.2019 - 12.2021Read More
Process Analyst
JPMorgan Chase
04.2006 - 09.2013Read More
Credit Correspondence Representative
JPMorgan Chase
12.2003 - 04.2006Read More
Customer Service Specialist
JPMorgan Chase
11.2000 - 12.2003Read More
Elkton High School
High School Diploma
Read More