Rebecca J Harper
Clearwater
Summary
Results-driven professional with extensive experience in account management, negotiation, and conflict resolution within the collections sector. Proven ability to implement targeted communication strategies that significantly enhance debtor engagement and optimize recovery efforts. Strong track record of reducing delinquency rates and improving overall collections efficiency, complemented by a deep understanding of auto financing processes, including funding, leasing, and risk management. Expertise in managing and resolving past-due accounts has consistently led to successful outcomes in collections initiatives.
Overview
29
29
years of professional experience
1
1
Certification
Work History
Senior Collection Specialist III- CST-Central Skip
Chase Auto Finance
07.2022 - Current
- Initiate contact with clients that are delinquent on auto loans
- Counsel clients with past due accounts to assess financial stability and determine next steps
- Develop payment plan based on client’s individual needs; monitor and follow up each case
- Manage $2M case load with rolling average of 68 cases per day while maintaining company standards of production
- Provide excellent customer service while still meeting business needs of collections of accounts.
- ·Skip tracing which involves in depth research and investigation to locate customers, family members and location of vehicle. This includes a great deal of implementing various search tools and strong analytical skills.
- ·Negotiating payments in a creative fashion in effort to maintain current status of vehicle and to avoid repossession of the client vehicle. This includes effective negotiation of potential payment plans.
- Maintained compliance with state and federal regulations during all collections activities, ensuring ethical business practices.
- Cultivated a professional demeanor when dealing with difficult customers, displaying empathy while remaining assertive in achieving desired outcomes.
- Developed customized reports for management, tracking key performance indicators related to collections efforts and results obtained.
Therapist
Camelot Community Care
08.2016 - 07.2022
- Provides therapeutic techniques as delineated in the treatment plan with assigned children and families and provides counseling, intervention, and support to create a therapeutic environment in the home or in an outpatient setting by performing the following duties.
- Creates all treatment plans utilizing analyzation to determine what behaviors, trauma, or therapeutic needs as well as review treatment plans by analyzing client progress.
- Some case management work including following up with Case managers in regard to client needs or directly providing needs of client.
- Strong communication skills required in effort to advocate for client needs and services.
- Advocates for client needs during MDT staffing.
- Built strong rapport with clients, fostering trust and open communication for effective therapy sessions.
- Maintained detailed case notes and documentation, ensuring effective tracking of progress and continuity of care across providers.
- Provided crisis intervention services, stabilizing clients in distress and connecting them with necessary resources.
- Tracked progress according to goals for interventions.
- Guided clients in development of skills and cognitive behavioral therapy techniques.
Outpatient Therapist
Chrysalis Health
03.2016 - 08.2016
- Responsible for performing a wide variety of therapeutic activities as directed by the Program Director and the Clinical Director. As an Outpatient Therapist, was responsible for providing mental health and substance abuse counseling to children, adolescents, adults and/or families. Some of the services performed include, individual, family and group therapy, therapeutic behavioral onsite services, psychosocial assessments, Collaborated with the multidisciplinary treatment team to formulate the individualized treatment plan, to review the treatment plan, and assist in coordinating discharge planning. Provided individual and family services in the community, schools, and homes.
- Essential Functions:
- Provide mental health and substance abuse services according to discipline standards and in accordance to policies and procedures.
- Completed required clinical paperwork within specified timeframe.
- Knowledge of the Medicaid manual and all updated revisions.
- Maintained ongoing chart audits to ensure compliance and quality assurance of services provided.
- Knowledge of DSM-IV.
- Proficient in utilizing community resources as supportive services and discharge planning.
- Served as a liaison for the client, family, referral source and other social service agencies.
Counselor II
PACE Center for Girls, Inc.
01.2012 - 01.2016
- Provide mental health counseling to adolescent females ages 12-18 in a dropout prevention school setting. Focus on trauma informed care in a holistic approach. Worked in partnership with clients and their families to find a common approach to problem solving, crisis counseling, and intervention. Participated in intake screening to assess the needs of new clients and their families by conducting psychosocial assessments. Established a treatment plan which would be achievable for clients within their set timeframe and goals developed in conjunction with client’s needs. Assisted in career development and exploration. Conducted psycho educational groups on various topics. Case management including referrals to outside agencies when needed. Participated in multi-disciplinary treatment team in effort to evaluate clients overall success and needs. Responsible for CPS reporting and follow up. Evaluated clients risk of suicide by administering suicide risk assessment (SIQ). Maintained timely confidential case notes in client services software system. Prepared clients for transition to second school by ensuring appropriate coping strategies were in place as well as ensuring that referrals to outside counseling agencies were made as needed. Conducted follow-up with client and their family to determine effectiveness of transition into new school setting.
- Primary theoretical approach is an integrated CBT approach with focus on adapting techniques to meet individual client needs.
- Common presenting concerns: self-esteem; history of abuse; family substance abuse; family criminal involvement; foster care; self-mutilation; eating disorders; Oppositional Defiance; ADHD; domestic violence; anger management/aggressive behaviors; grief/loss; depression; anxiety; and worked with clients with various mental health diagnosis and dual diagnosis.
- English Teacher
- Provided instruction to girls grades 6-12 in English/Language Arts in a structured educational environment.
- Provided academic advising to include assisting students in understanding how they are progressing through their educational plan and create goals to assist in being successful in the academic environment.
- Created lesson plans to accommodate various learning styles and abilities based on individual student needs.
Collection Specialist III
JP Morgan Chase/Auto Finance
06.2008 - 08.2012
- Initiate contact with clients that are delinquent on auto loans
- Counsel clients with bad debt to assess financial stability and determine next steps
- Develop case management plan based on client’s individual needs; monitor and follow up each case
- Manage $1M case load with rolling average of 100 cases per day while maintaining company standards of production
- Provide excellent customer service while still meeting business needs of collections of accounts.
- Skip tracing which involves in depth research and investigation to locate customers, family members and location of vehicle. This includes a great deal of implementing various search tools and strong analytical skills.
- Negotiating payments in a creative fashion in effort to maintain current status of vehicle and to avoid repossession of the client vehicle. This includes effective negotiation of potential settlements or payment plans.
Medical Collections/Billing
HCA Shared Services
01.2008 - 01.2008
- Managed approximately 50 cases per month
- Coordinated with insurance carriers regarding patient services rendered
- Conducted assessment and follow up of all case files
Office Manager
SED
01.2006 - 01.2008
- Managed clients and coordinated scheduling for music production studio
- Wrote, submitted, and presented proposals to new clients
- Hired, trained, and oversaw office staff
- Developed business finance proposal, successfully gaining funding for equipment and operating expenses of new business
Lead Collection Counselor
JP Morgan Chase/Credit Card Services
01.1997 - 01.2005
- Managed staff of 12 employees in customer service environment
- Monitored employees and provided monthly coaching and counseling sessions to address development needs
- Developed successful training strategies for new employees; implemented training strategies for existing employees needing additional skills to meet performance measurements
- Developed and monitored action plans for training, corrective action, and career development
Education
Master of Science - Mental Health Counseling
Walden University
Minneapolis, Minnesota06.2013
Bachelor of Science - Psychology
Walden University
Minneapolis, Minnesota01.2010
MBA - MBA
Southern New Hampshire University
Hooksett, NH06-2026
Skills
- Debt collections strategy
- Partnership-focused mindset
- Effective communication skills
- Location verification proficiency
- Risk analysis
- Analytical problem-solving
- Strong task management
- Clear interpersonal communication
- Verbal and written communication
- Flexible problem-solving
Affiliations
- Member of American Counseling Association
- Member American Mental Health Counseling Association
- Member Chi Sigma Iota
Certification
Registered Intern Mental Health Counselor.
Professional Presentations And Training
- Creating a safe environment for LGBTQ for youth and families, Florida Juvenile Justice Association 2015 Adolescent conference, 2015-01-01
- Teaching the Bi-polar student, staff training at PACE, 2015-01-01
- DBT overview training, PACE staff training, 2015-01-01
Timeline
Senior Collection Specialist III- CST-Central Skip
Chase Auto Finance
07.2022 - Current
Therapist
Camelot Community Care
08.2016 - 07.2022
Outpatient Therapist
Chrysalis Health
03.2016 - 08.2016
Counselor II
PACE Center for Girls, Inc.
01.2012 - 01.2016
Collection Specialist III
JP Morgan Chase/Auto Finance
06.2008 - 08.2012
Medical Collections/Billing
HCA Shared Services
01.2008 - 01.2008
Office Manager
SED
01.2006 - 01.2008
Lead Collection Counselor
JP Morgan Chase/Credit Card Services
01.1997 - 01.2005
Bachelor of Science - Psychology
Walden University
Master of Science - Mental Health Counseling
Walden University
MBA - MBA
Southern New Hampshire University
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