Summary
Overview
Work History
Education
Skills
Languages
Timeline
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RAFAEL VIVEROS

North Ogden

Summary

Highly accomplished banking professional with 15+ years of experience in various areas of banking and loans. Proven success in advancing career through skills in problem-solving, credit analysis, fraud prevention and exceptional communication. Seeking full-time employment with a company that values employee development and provides opportunities for growth.

Overview

8
8
years of professional experience

Work History

Fraud Prevention Specialist

SoFi
12.2024 - Current
  • Maintained detailed records of all investigations conducted, providing valuable data for trend analysis and future case management efforts.
  • Managed complex cases involving identity theft, wire fraud, and other forms of financial crime, resulting in successful resolution for affected customers.
  • Conducted thorough investigations of suspected fraud cases, leading to the recovery of lost funds.
  • Supported colleagues in navigating difficult situations involving potential fraud by providing timely advice based on professional expertise and experience.

Mortgage Loan Officer

Zions Bank
01.2023 - 08.2024
  • Responsible for soliciting and bringing in mortgage business for the bank through previous contacts, relationships and referrals form real estate agents, builders, developers and branches
  • Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
  • Originate residential home loans, responsible to communicate with the customer throughout the process and work with processors through closing and ensure timelines are met for on time closings.
  • Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.

Client Relationship Consultant

US Bank
01.2022 - 02.2023
  • Evaluated client needs and expectations, establishing clear goals for each consulting engagement.
  • Liaised with customers, management, and sales team to better understand customer needs and recommend appropriate solutions.
  • Managed client relationships through regular check-ins and updates on project progress.
  • Developed innovative strategies for clients, resulting in increased revenue and business growth.

Sr Mortgage Loan Originator

America First Credit Union
01.2017 - 01.2022
  • Managed a large mortgage pipeline, including various loan programs
  • Built and maintained relationships and communicated clearly and efficiently with customers and partners
  • Expertise in mortgage programs, including Conventional, FHA, VA, and UHC
  • Assisted clients in selecting appropriate mortgage products based on their financial goals and qualifications.
  • Developed strong relationships with key stakeholders, including realtors, appraisers, and title companies to facilitate successful loan closings.

Education

Some college -

Weber State University
Ogden, UT
01.2006

Skills

  • Fluent in Spanish (speaking, reading and writing)
  • Analytical mindset
  • Relationship building
  • Attention to detail
  • Cybersecurity awareness
  • Fraud prevention strategies
  • Critical thinking
  • Conflict resolution
  • Regulatory compliance
  • Ethical conduct standards
  • Fraud detection techniques
  • Communication skills

Languages

Spanish
Native or Bilingual

Timeline

Fraud Prevention Specialist

SoFi
12.2024 - Current

Mortgage Loan Officer

Zions Bank
01.2023 - 08.2024

Client Relationship Consultant

US Bank
01.2022 - 02.2023

Sr Mortgage Loan Originator

America First Credit Union
01.2017 - 01.2022

Some college -

Weber State University

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RAFAEL VIVEROS