PATRICK BRADLEY
Jacksonville,FL
Summary
PROFESSIONAL EXPERIENCE & ADJUSTER DETAILS
Enthusiastic financial services professional with high integrity, strong work ethic, and varied communication skills. Effective at multitasking and working under pressure to accomplish overall objectives. Well versed in different approaches to customer service and sales, with 10 years of financial services experience with extensive client service. A diligent and meticulous Catastrophe Field Property Adjuster with one year and seven months committed to delivering outstanding customer service and facilitating equitable and prompt claims resolutions. With a keen eye for detail and a dedication to excellence, I bring extensive experience in investigating claims and accurately assessing compensation requirements. Proficient in utilizing estimating software and adept at analyzing evidence, including photographs and recordings, to ascertain the full extent of damage. Skilled in calculating depreciation factors and replacement costs. I am eager to apply my expertise to support the success, effectively managing property claims.
Proficiencies & Expertise
● TWIA-Residential field adjuster ● ECS-Auto Catastrophe ● State Farm Auto
● State Farm Estimatics ● State Farm Policy/Wind Hail ● ECS Fire Catastrophe ● Safety ●CA Fair Claims ● Anti-Money Laundering (AML) ● Customer Due Diligence (CDD) ● USA Patriot Act
● Dynamic Interpersonal Skills ● Rapid 10-key Data Entry ● Customer/Client Empathy ● Cash Management ● Account Retention ● Account Risk Mitigation
Overview
12
12
years of professional experience
Work History
Customer Solutions
ALLY FINANCIAL
05.2020 - Current
- Processing payments made by credit cards and checks, researching customer disputes and resolving their complaints by making necessary adjustments, phone calls, and requesting correspondence that documents special payment arrangements
- Accomplishments: Work closely with clients to understand their reason for delinquency and current financial situation to gain commitments for past due payments
- Document all accounts accurately, clearly, and concisely noting the reason for hardship and potential repossession loss, as well as adhere to all state and federal laws in the handling of accounts
- Respond to customer inquiries via telephone, Shaw workflows, and/or e-mails within an established time frame
- Strong ability to identify potential loss situations and make appropriate recommendations to mitigate loss, with an aptness to escalate unique collections cases to management.
Catastrophe Field Property
Sedgwick
08.2023 - 03.2024
- Accomplishments: Analyzed policy terms, reviewed supporting documentation, and collaborated with external experts, such as engineers or medical professionals, as needed
- Identified insurance coverage limitations with thorough examinations of claims documentation and related records
- Evaluated original investigation reports and documents to resolve secondary concerns requiring supplement review
- Used Xactimate, XactiContents, XactAnalysis to compile estimates for personal property and structure damage
- SF claim handling Property Field and desk
- Negotiated settlements with policyholders, attorneys, and other parties involved, ensuring fair and cost-effective outcomes
- Conducting inspections, evaluating policies and endorsements for coverage, preparing estimates in the Xactimate program, and settling claims on site with customers.
Catastrophe Field Property Assistant
Eberl Claims Service
03.2023 - 08.2023
- Accomplishments: Prepared detailed claim reports, including findings, recommendations, and settlement calculations
- Assisted with transportation for the adjuster by traveling up 70% to dwelling locations to ensure proper time management and handling as the adjuster worked on other claims to and from the war room area
- Conducted thorough interviews with insured individuals, witnesses, and other relevant parties to gather necessary information
- Scoped and photographed properties for defects and damage
- Reviewed and analyzed suspicious and potentially fraudulent insurance claims.
Teller I
WELLS FARGO
11.2017 - 10.2019
- Processes customer transactions face-to-face for a variety of routine to more complex financial transactions including but not limited to check cashing, withdrawals, and deposits
- Accomplishments: Provides a high level of customer service, welcoming and acknowledging all customers, anticipating and addressing service needs, and thanking customers with genuine appreciation
- Educates and engages customers in conversations regarding their current and future financial needs and consulting customers about bank products and services
- Balances currency, coins, and checks at the end of shifts, and calculates daily transactions
- Cashes checks and paid out monies after verifying signatures are correct, written and numerical amounts agree, documents are legal, and accounts have sufficient funds
- Identifies sales opportunities and makes appropriate referrals
- Answer telephone inquiries on banking products including checking, savings, loans and line of credit.
Customer Service Specialist - Credit Sales
CITIBANK
09.2012 - 11.2017
- Responsible for various processes relating to the customer service and credit sales areas of CitiBank, its subsidiaries, and affiliates
- Provided telecommunication service to members, including opening accounts, performing account transactions, providing information on products and services, resolving account problems, providing ancillary services and recommending appropriate products and services
- Accomplishments: Used problem-solving, listening, understanding and responding techniques to address a customers' immediate needs and when appropriate, linked needs to a solution where there is an opportunity to expand or retain a relationship
- Promoted CitiBank services and cross sold credit/bank products through referrals
- Answered incoming phone calls and correspondence, provided general information and directed specific questions to the appropriate departments
- Was expected to reach and maintain a minimum of 75% success in sales goal referrals and quality assurance monitoring.
Fraud Ops Specialist III
CITIBANK
06.2017 - 10.2017
- Researched and analyzed high risk transactions across all payment channels to identify possible cases of fraud
- Interacted with internal and external customers and supervisors to recommend and perform appropriate actions required to mitigate losses and to provide a positive customer experience
- Documented and evaluated results of actions to support fraud trending and reporting and ensured that best practices were followed
- Accomplishments: Maintained and updated case management system for tracking of fraud cases and relevant information
- Responsible for guiding members through the process of filing transactional disputes and other fraud related inquiries
- Determined and executed actions upon next steps as a result of the initial alert review such as placing appropriate holds where needed, maintaining files and documenting investigative activities on all fraud alerts
- Served as entry point for identifying larger fraudulent schemes, working as necessary with other units within the Fraud department to quickly identify fraud tactics and take actions to prevent potential losses.
Operations Support Specialist II
CITIBANK
01.2014 - 06.2017
- Assisted with customer related issues for all aspects of online banking and provided support to Customer Line staff through the call center and to Branch staff through the Help Desk
- Accomplishments: Responsible for answering and directing incoming customer and homeowner calls, assisting with technical support regarding the online payment website and researching payments
- Maintained a basic knowledge of all CitiBank products, services, procedures, policies and appropriate regulatory issues relating to daily job functions including but not limited to: Bank Secrecy Act; Privacy; Fair Lending; Regulation E; deposit, transaction and loan accounts
- Processed online banking requests, including online banking applications, verification of deposits, secure messaging, custom cards, fax and mailed correspondence
- Continually met customer service level expectations by offering excellent service to both external and internal customer requests.
Education
B.S in Financial Services -
FLORIDA STATE COLLEGE
Jacksonville, FL08.2024
Skills
- Proficiency in Xactimate and other relevant estimating software
- Strong critical thinking and technical skills for accurate damage assessment
- Excellent communication and interpersonal skills
- Ability to travel nationwide and handle claims remotely
- Detail-oriented with focus on delivering high-quality work
- Valid driver's license with willingness to travel
- 20-Years Customer Service
Timeline
Catastrophe Field Property
Sedgwick
08.2023 - 03.2024
Catastrophe Field Property Assistant
Eberl Claims Service
03.2023 - 08.2023
Customer Solutions
ALLY FINANCIAL
05.2020 - Current
Teller I
WELLS FARGO
11.2017 - 10.2019
Fraud Ops Specialist III
CITIBANK
06.2017 - 10.2017
Operations Support Specialist II
CITIBANK
01.2014 - 06.2017
Customer Service Specialist - Credit Sales
CITIBANK
09.2012 - 11.2017
B.S in Financial Services -
FLORIDA STATE COLLEGE
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