Osmel Sanjudo Garcia
Seffner,FL
Overview
8
8
years of professional experience
Work History
Sr. Vehicle Lending Funder
Bank of America
Tampa, FL
01.2024 - Current
- Review and verify all loan application documentation submitted by applicants to ensure accuracy, completeness, and compliance with internal policies and external regulatory requirements.
- Communicate proactively with dealerships and relevant stakeholders to update and clarify any missing or inconsistent information.
- Collaborate with cross-functional teams to resolve discrepancies and ensure timely processing of loan applications.
- Execute the disbursement of funds upon final approval, adhering to all operational protocols and financial guidelines.
Home Equity Specialist 2
Bank of America
Tampa, FL
09.2022 - 01.2024
- Gather and verify all required documentation for loan processing, including employment verification, bank statements, income records, and other financial data.
- Systematically organize customer files to ensure quick and efficient access to information for the underwriter.
- Analyze and assess the authenticity and accuracy of customer information, identifying any discrepancies or red flags that may require further investigation.
- Collaborate closely with underwriters to ensure all conditions are satisfied, facilitating a smooth approval process in line with lending guidelines and compliance standards.
- Serve as a liaison with external parties such as title companies, county clerks, attorneys, and other relevant stakeholders to ensure all documentation is properly submitted and processed.
- Ensure all loans comply with internal policies and industry regulations before final approval.
Mortgage Home Services Specialist
Bank of America
Tampa, FL
05.2022 - 09.2022
- Provided customer service to clients by answering inquiries, resolving problems, and providing product information.
- Identified customer needs and provided appropriate solutions to meet their requirements.
- Collect and verify all required loan documentation, including employment verification, bank statements, income data, and other financial information to ensure completeness and accuracy.
- Organize and maintain detailed customer files to enable underwriters to quickly access and review necessary documents.
- Analyze and evaluate provided documentation to confirm authenticity and compliance, escalating any discrepancies or red flags for further review.
- Collaborate with underwriters to ensure all conditions for loan approval are met and that the process adheres to lending guidelines and industry regulations.
- Act as the primary point of contact with external parties such as title companies, county clerks, attorneys, and other personnel to coordinate documentation and resolve any issues.
- Ensure loan applications comply with both internal standards and regulatory requirements before submission for final approval.
Senior Fraud Analyst
Bank of America
Tampa, FL
03.2020 - 05.2022
- Specialize in fraud detection and prevention across multiple banking products, including credit cards, debit cards, checking accounts, savings accounts, and checks.
- Utilize various bank software systems, such as FLASH and Interact, to manage customer accounts, update personal information, and perform account maintenance, including online banking, digital wallets, deposit agreements, and account notations.
- Safeguard customer accounts by identifying and mitigating fraud risks, reporting identity theft incidents, and taking appropriate actions to secure compromised accounts.
- Protect the bank's assets and sensitive customer information by adhering to policies, procedures, and protocols for fraud prevention and resolution.
- File, review, update, and resolve claims related to fraud and disputes, ensuring proper documentation and adherence to risk management standards.
- Provide exceptional bilingual (English/Spanish) customer service, focusing on professionalism, customer experience, and maintaining high-quality interactions.
- Collaborate with internal teams to minimize risks while maintaining compliance with regulatory requirements and company policies.
Fraud Account Manager
Capital One
Tampa, FL
12.2018 - 03.2020
- Utilize advanced interactive client and fraud management tools to verify client identities during account reviews for suspected fraud and potential fraudulent activity, safeguarding both client information and bank assets.
- Conduct thorough document reviews to ensure authenticity and accuracy, enhancing the effectiveness of the verification process.
- Perform comprehensive investigations on customer accounts and claims, arriving at well-informed, holistic decisions to resolve fraud-related issues.
- Adhere strictly to policies, procedures, and protocols to guide clients efficiently through the verification process, maintaining compliance with regulatory standards.
- Deliver exceptional customer service at every stage of the verification and fraud resolution process, ensuring a positive customer experience while addressing sensitive issues.
Spanish Interpreter
CyraCom Language Solutions
Tampa, FL
05.2017 - 12.2018
- Provided real-time interpretation and translation of pre-recorded messages and live conversations between English and Spanish speakers for financial institutions, healthcare providers, government agencies, and other clients.
- Ensured accuracy and integrity in conveying the original message, content, context, and style across languages.
- Created both oral and written transcripts of documents translated from English to Spanish, maintaining high standards of linguistic and contextual accuracy.
Escalation Specialist
Computer Generated Solutions Inc.
Tampa, FL
06.2016 - 04.2017
- Handled fast-paced inbound and outbound calls in a third-party call center servicing Sprint Corporation clients, specializing in the resolution of tier 2 escalated client concerns after other internal channels were exhausted.
- Provided tailored resolution options to clients, ensuring alignment with company policies while addressing their unique issues.
- Managed client relationships, identifying opportunities to enhance customer satisfaction and deepen engagement through product and service education.
- Performed account updates, applied changes, and communicated product benefits to clients to improve their overall experience.
- Conducted quality assurance follow-ups to ensure customer satisfaction and resolution of concerns.
Education
Data Analyst - Data Analytics
Saint Petersburg College
Clearwater, FL01-2027
Translation And Interpretation Certification - Language Interpretation And Translation
American Translator Association
03-2017
Bachelor of Computer Science - Computer And Information Sciences
Computer Science University
Cuba07-2010
High School Diploma -
Vladimir Lenin High School.
Cuba01-2006
Skills
- Portfolio Management
- Emerging markets
- Financial Markets
- Asset Allocation
- Quantitative Analysis
- Data Management
- Technical Analysis
- Loan File Maintenance
- Financial History Analysis
- Customer Relations
- Communication Skills
- Interpersonal Communication
- Oral and Written Comprehension
- Analytical and Critical Thinking
- Regulatory Disclosure Preparation
- Loan Servicing
- Financial Analysis
- Collections Management
- Manage complaints
- Mortgage facilitation
- Loan Processing
- Income Evaluation
- Advanced knowledge of Microsoft Office Suite
- Computer Proficiency and Microsoft Office
- Data Modeling
- Migration strategies
- Communicating with clients
- Database Administration
- Title Examination
- Credit evaluation
- Processing procedures
- Appraisal review
- Client Retention Strategies
- Conflict Resolution
- Customer Relationship Management
- Excellent Communication
- Critical thinking abilities
- Fraud detection techniques
- Analytical mindset
- Risk assessment expertise
- Task Prioritization
- Fraud and anomaly analysis
- Banking regulations
- Active Listening
- Adaptability
- Problem-solving aptitude
Languages
Spanish
Native/ Bilingual
English
Full Professional
Italian
Limited
French
Limited
Timeline
Sr. Vehicle Lending Funder
Bank of America
01.2024 - Current
Home Equity Specialist 2
Bank of America
09.2022 - 01.2024
Mortgage Home Services Specialist
Bank of America
05.2022 - 09.2022
Senior Fraud Analyst
Bank of America
03.2020 - 05.2022
Fraud Account Manager
Capital One
12.2018 - 03.2020
Spanish Interpreter
CyraCom Language Solutions
05.2017 - 12.2018
Escalation Specialist
Computer Generated Solutions Inc.
06.2016 - 04.2017
Data Analyst - Data Analytics
Saint Petersburg College
Translation And Interpretation Certification - Language Interpretation And Translation
American Translator Association
Bachelor of Computer Science - Computer And Information Sciences
Computer Science University
High School Diploma -
Vladimir Lenin High School.
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