Rebecca M. Deredita
Charlotte,NC
Summary
I am a dedicated professional with 18 years of experience in the Banking Industry. I am hardworking and my goal is to expand my knowledge so that I can grow professionally and individually.
Overview
19
19
years of professional experience
Work History
Centralized Operations Associate
BBT (Now Truist)
01.2018 - Current
- Research and clear rejected tickets posted to the Unidentified Deposit GL account and the Cash Items GL account through CFO PEGA in a timely manner
- Monitor, research, and clear entries posted to the Unidentified Deposit GL account and the Cash Item GL account by other branches/departments in a timely manner in order to avoid a loss to the bank
- Research and process charge backs to client's accounts for returned cashed checks through CFO PEGA, paying keen attention to recognize suspicious patterns and fraudulent activities then escalating the cases to the Check Fraud Detection team if necessary
- Process Returned Deposited Items through CFO PEGA, completing UFO's and escalating cases to the Fraud Department if necessary
- Researching Federal Reclamations, collecting funds from the responsible party or charging off if unable to collect funds
- Sending out Notifications of Outstanding Proof Corrections to branches and other departments
- This also required me to work with other teammates who needed guidance to process the corrections
- Answer telephone calls from teammates and clients professionally, providing feedback and solutions to problems
- Process Returned Official Checks and escheating them if unable to contact client
Financial Crimes Analyst 2
BBT (Now Truist)
01.2018 - Current
- Act as the Subject Matter Expert (SME) within the ACH Team
- Train newly hired teammates and those requiring cross training on the ACH process
- Manage ACH production for the department, this includes: Distributing the daily workload to teammates, reviewing ACH Fraud and Non-Fraud claims processed in CFC PEGA by teammates for accuracy
- Approving Regulation E Exceptions placed on claims, reviewing ACH Fraud and Non-Fraud claims that have already been assigned to a teammate's workbasket to ensure it is within Regulation E compliance
- Researching transactions filed incorrectly under the ACH que to determine if an error occurred and directing the claim to the correct channel for a resolution or resolving the claim if no error was located
- Processing high dollar ACH Fraud and Non-Fraud transactions, this includes, ensuring the claim was filed accurately, reviewing the client's account to determine transaction patterns, completing UFO's, contacting the client or branch for additional information if necessary and escalating claims if needed
- Research and process Online Transfer Service (OTS) transactions filed in CFC PEGA and initiating returns through the Fiserv database
- Review reports received from Fiserv for failed transactions initiated by Truist clients to other Financial Institutions and reimbursing our clients
- Research and correct outages to the FED GL account and Cash Items GL account caused by claims that were processed incorrectly by teammates
- Provide additional support to my Manager and Team Leads when necessary
Enterprise Fraud Management Team Lead 1 (Digital Team)
BBT (Now Truist)
01.2018 - Current
- Manage production for the Digital Team (ACH, Zelle, SBA, SBW, OTS & OLB.)
- Distribute the workload daily to teammates and reviewing claims that have already been assigned to ensure that they are within REG E compliance
- Review and approving Regulation E exceptions placed on claims
- Review Reg-E Compliance reports monthly to ensure Truist is within compliance deadlines
- Research and correct outages to internal GL accounts
- Review Arbitration cases sent by other financial institutions for Zelle Disputes
- Provide coaching to teammates when opportunities have been identified
- Approve transactions for teammates that are outside of their daily limits
- Provide training to newly hired teammates
- Provide support to my Manager in other areas necessary
Financial Relationship Specialist
Regions Bank
01.2017 - 06.2018
- Process deposits and withdrawals, accept mortgage and loan payments, process Western Union Transactions and cash advances
- Manage and balance the cash vault
- Buy and sell foreign currency, make referrals for bank products and service
- Meet quarterly sales goals, make outbound calls to clients to educate them on ways to make their banking easier
- Provide exceptional customer service to clients and perform other duties assigned by the manager
Currency Supply Clerk
Republic Bank Guyana Ltd
07.2006 - 08.2016
- Process deposits received in night depository bags and canisters
Teller
Republic Bank Guyana Ltd
07.2006 - 08.2016
- Process deposits and withdrawals, cash checks, reactivate inactive accounts, process Money Gram transactions, buy and sell the three major foreign currencies (USD, CAD & Euros) and cross sell bank products
Fast Deposit Clerk
Republic Bank Guyana Ltd
07.2006 - 08.2016
- Accept and process check deposits so that customers can have access to their funds as soon as possible
Customer Service Representative
Republic Bank Guyana Ltd
07.2006 - 08.2016
- Open and close consumer and commercial deposit accounts, issue debit cards, establish term deposits, reactivate inactive accounts, and cross sell products and services
Senior Currency Supply Clerk
Republic Bank Guyana Ltd
07.2006 - 08.2016
- Supervise and train new employees to process night depository bags and cannisters
- My role was to teach the new hires how to handle cash and learn about bank etiquette
- Eventually I would recommend the new hires to be promoted to Tellers and be moved into face-to-face client service
ATM Custodian
Republic Bank Guyana Ltd
07.2006 - 08.2016
- Count and add cash to the ATM'S (9 in total) located off and on the banks' premises
- Balance and reconcile each ATM at least twice weekly
- Perform maintenance on the machines, reconcile various internal General Ledgers and periodically supervise the Currency Supply Clerks and Senior Tellers
Education
High School -
President’s College
Skills
- Communication (Written and oral)
- Time management
- Problem Solving
- Work well under stress
- Team player
- Leadership
- Ability to prioritize and manage multiple tasks
Timeline
Centralized Operations Associate
BBT (Now Truist)
01.2018 - Current
Financial Crimes Analyst 2
BBT (Now Truist)
01.2018 - Current
Enterprise Fraud Management Team Lead 1 (Digital Team)
BBT (Now Truist)
01.2018 - Current
Financial Relationship Specialist
Regions Bank
01.2017 - 06.2018
Currency Supply Clerk
Republic Bank Guyana Ltd
07.2006 - 08.2016
Teller
Republic Bank Guyana Ltd
07.2006 - 08.2016
Fast Deposit Clerk
Republic Bank Guyana Ltd
07.2006 - 08.2016
Customer Service Representative
Republic Bank Guyana Ltd
07.2006 - 08.2016
Senior Currency Supply Clerk
Republic Bank Guyana Ltd
07.2006 - 08.2016
ATM Custodian
Republic Bank Guyana Ltd
07.2006 - 08.2016
High School -
President’s College