Mireya R Ramos
San Antonio,TX
Summary
I am a self-motivated and dependable professional who takes strong ownership of my work and consistently delivers high-quality results in fast-paced environments. I am a persistent and analytical problem-solver who explores every possible path to reach accurate conclusions. My empathetic nature and strong interpersonal skills allow me to approach investigations with both critical thinking and emotional intelligence. With a keen interest in criminal justice and criminology, I am naturally drawn to roles that involve identifying patterns, connecting details, and uncovering the full picture.
I am seeking an opportunity to expand skills and contribute to company success. I am eager to explore any paths that will help advance my career.
Overview
4
4
years of professional experience
Work History
Cross Channel New Account Screening
JP Morgan Chase
San Antonio, TX
03.2025 - Current
- Analyzed large amounts of data to find patterns of fraud and anomalies as well as conduct thorough investigations of suspicious accounts/transactions, discrepancies, irregularities and fraudulent activity.
- Delivered risk solutions across key fraud domains: onboarding (account opening), ATO (account take over), first-party fraud, scam mitigation, EVP and money mule detection.
- Implemented fraud prevention measures such as carefully verifying customer identification and following established security protocols to protect clients from unauthorized access to their accounts or personal information theft incidents.
- Contacting clients directly to notify of fraudulent/scam activity in addition to educating about potential scams, empowering them to take proactive measures in protecting their personal information from unauthorized access or use.
- Minimized losses due to fraud incidents by swiftly identifying patterns of suspicious behavior and taking appropriate action, such as freezing/restricting accounts.
- Enhanced fraud prevention protocols by staying current on industry trends and best practices.
Special Matter Expert (SME)-Fraud & Claims
JP Morgan Chase
San Antonio, TX
02.2024 - 03.2025
- Served as a subject matter expert on specialized fraud products, providing guidance and support to other team members when needed.
- Trained new Fraud Representatives on company policies, procedures, and software systems, improving overall team productivity.
- Displayed sound judgement, foresight and professionalism in dealing with program management challenges.
- Submitted weekly reports to team and management to facilitate direction and progress.
- Provided consultancy, coaching and mentorship.
- Guided team members through routine activities and challenging questions.
- Created learning guides with examples and screenshots of real scenarios to provide further understanding of role/products
- Broadened individuals' foundational knowledge and offered additional explanation of rules, processes and policies with proper contexts.
- Demonstrated strong organizational and time management skills while managing multiple projects.
- Skilled at working independently and collaboratively in a team environment.
Fraud Specialist I-Fraud Check
JP Morgan Chase
San Anonio, TX
01.2023 - 03.2025
- Identified fraudulent transactions by reviewing information across multiple systems and outside sources.
- Recommended actions based on institutional policies to resolve fraudulent activities and prevent recurrence.
- Backed up fraud team members with secondary reviews of records related to suspected fraudulent activities.
- Helped address business ID theft fraud by working with internal teams to trace and correct faults.
- Conducted in depth reviews on items deposited and normal account maintenance in order to reduce losses caused by wrongdoer and/or fraud.
- Supported findings by identifying red flags throughout my review of transactions/account activity and documenting accordingly.
- Helped resolve situations and prevent further abuse by recommending corrective and punitive actions.
Fraud Specialist I-Claims Phones
JP Morgan Chase
San Anonio, TX
08.2022 - 01.2023
- Initiated fraud and dispute cases on behalf of customers.
- Delivered fast and friendly service to handle questions and service complaints.
- Reviewed and monitored reports related to payments, new applications and re-issuance of cards.
- Developed strong relationships with clients, facilitating trust and open communication during the claims process.
- Documented, researched and resolved customer service issues.
- Analyzed trends in claims data to recommend enhancements in policy guidelines and customer communication strategies.
- Maintained compliance with industry regulations by adhering to established procedures and guidelines in claims handling.
- Minimized financial losses by identifying fraudulent claims through thorough analysis, probing and investigation.
Education
Criminal Justice
University of The Incarnate Word
San Antonio, TXSkills
- Goal-Driven
- Effective Communication
- Flexible and adaptable
- Onboarding support/training
- Computer skills
- Organizational skills
- Decision-Making
- Multitasking Abilities
- Critical thinking
- Problem-solving
- Fraud Prevention
- Investigation Documentation
- Loss Prevention
- Trend Analysis
AWARDS
January 2024-ACE Call Winner, August 2023-Connect Us 100% Top Box, January 2023-Employee of The Month, January 2023-ACE Call Winner, December 2022-100% in Decision Quality
Languages
English
Native or Bilingual
Spanish
Professional Working
Timeline
Cross Channel New Account Screening
JP Morgan Chase
03.2025 - Current
Special Matter Expert (SME)-Fraud & Claims
JP Morgan Chase
02.2024 - 03.2025
Fraud Specialist I-Fraud Check
JP Morgan Chase
01.2023 - 03.2025
Fraud Specialist I-Claims Phones
JP Morgan Chase
08.2022 - 01.2023
Criminal Justice
University of The Incarnate Word