Mindy Carpenter
Kansas City
Summary
Experienced custody and middle office professional with expertise in account management, reconciliation, audit support, and regulatory compliance. Skilled in financial reporting, fee validation, and process optimization, with a strong attention to detail and a proven ability to support client and operational needs in fast-paced banking environments.
Overview
19
19
years of professional experience
1
1
year of post-secondary education
Work History
Custody Specialist
UMB Bank
Kansas City
12.2024 - Current
- Use various computer systems for account setup, fee setup and transaction processing.
- Setup Custody accounts by collecting and verifying required documentation, including Beneficial Ownership forms, AML records, W-9s and Certificates of Formation and Incorporation.
- Assist with market-related activities, tax documentation, and proxy voting.
- Oversee and process general account maintenance.
- Partner with Custody Administrators and internal teams to support client groups.
- Prepare and process daily Difference Tickets.
- Input and update month-end Market Values.
- Follow policies and procedures to mitigate risk.
- Provide reporting as requested by clients and internal stakeholders.
- Primarily point of contact for custody audit request.
- Setup and validated fee schedules for new accounts, to ensure billing accuracy and compliance.
Reconciliation Specialist
Trust Sourcing Solutions
Leawood
03.2024 - 06.2024
- Monitored daily cash activity, researching variances when necessary.
- Documented procedures for the reconciliation process, ensuring accuracy and consistency across business units.
- Maintained accounts payable and receivable ledgers, ensuring all invoices were recorded correctly.
- Reconciled multiple general ledger and demand deposit accounts (DDA), identifying and resolving and discrepancies.
- Performed daily reconciliation of Sweep Money Market accounts.
- Balanced Mutual Fund daily accrual reports.
- Responded to inquiries from internal and external clients through research and the use of case management.
- Cross-trained as a Fee Analyst.
Core Associate ll
State Steet
Kansas City
11.2022 - 09.2023
- Performed middle-office activities for a range of products, including domestic and international (including emerging markets) equity, FX, fixed income, and derivative products.
- Provided daily support for client investment accounts by processing daily subscriptions and redemptions.
- Reviewed aged failing trades and expedited their resolution.
- Interacted with clients and counterparties on material issues.
- Interacted with clients to evaluate services.
- Evaluated and prepared over draft reports.
- Responded to all client inquiries in a timely manner.
- Performed daily reconciliation of custody account activities, including monitoring cash balances and market values.
- Prepared daily failed trade reports.
- Processed new accounts, transfers, distributions, deposits, withdrawals, and other transactions according to established procedures.
- Daily escalation resolution.
- Mentored new employees.
Personal Finance
Ge Capital
Kansas City
06.2011 - 05.2014
- Conducted detailed credit analyses and risk assessments for money line of credit accounts.
- Ensured that all loan documentation was accurate, complete, and compliant with regulatory and company standards.
- Stayed updated on changes in lending regulations and ensured adherence to compliance requirements.
- Assisted clients with account management tasks such as loan payments, balance inquiries, and account updates.
- Conducted periodic reviews with clients to reassess their financial needs and adjust credit terms accordingly.
- Made informed decisions regarding loan terms, restructuring, and collection in collaboration with senior management.
Dispute Analyst
Ge Capital
Kansas City
03.2007 - 06.2011
- Conducted thorough investigations of credit card disputes filed by cardholders.
- Gathered and analyzed relevant transaction data, receipts, and supporting documentation.
- Communicated with merchants to obtain necessary information for dispute resolution.
- Managed a caseload of dispute claims, ensuring timely and accurate resolution
- Documented and tracked the status of disputes in companies FDR system.
- Provided clear and concise communication to cardholders regarding the status and outcome of their disputes.
- Analyzed evidence to make informed decisions regarding the validity of disputes.
- Recommend appropriate actions, including chargebacks, provisional credits, or denial of claims.
- Prepared detailed reports on dispute findings and outcomes.
- Generated reports on dispute status, disputed items, and resolutions.
Education
Associate of Arts - General Studies
Penn Valley Community College
Kansas City, MO 01.2005 - 05.2006
High School Diploma -
Hope High School
Skills
- Middle Office Operations
- Client Communication and Account Management
- Records and Process Management
- Financial Repotting
- Audit and Regulatory Compliance
- Fee and Billing Administration
- Risk Management and Reconciliation
- Trade Processing and Settlement
- Problem Solving
- Cash Management and Cash Reconciliation
- Client Onboarding and Account Setups
- Client Reporting
- Issue Resolution
- Audit Preparation and Support
Personal Information
Title: Middle Office Banking
Timeline
Custody Specialist
UMB Bank
12.2024 - Current
Reconciliation Specialist
Trust Sourcing Solutions
03.2024 - 06.2024
Core Associate ll
State Steet
11.2022 - 09.2023
Personal Finance
Ge Capital
06.2011 - 05.2014
Dispute Analyst
Ge Capital
03.2007 - 06.2011
Associate of Arts - General Studies
Penn Valley Community College
01.2005 - 05.2006
High School Diploma -
Hope High School