Ricarda Rosales

Oversaw maintenance of accurate records for collection activities to enhance tracking and analysis of performance metrics.

• Managed reconciliation of debtor accounts by verifying payments against outstanding balances and resolving discrepancies.
• Facilitated interdepartmental collaboration to ensure effective communication regarding delinquent accounts and payment processing.
• Elevated customer satisfaction through empathetic support, addressing individual financial situations and delivering customized solutions.
• Monitored and enforced compliance during collection activities by maintaining up-to-date knowledge of industry regulations.
• Maintained high volume of calls and met demands of busy and productive group. Averaging about 200 calls inbound and outbound

• Conducted comprehensive investigations utilizing skip tracing techniques and advanced databases to locate individuals.
• Optimized case management processes to exceed performance targets and prioritize high-stakes investigations.
• Evaluated data trends to improve precision in identifying elusive subjects and assets.
• Developed comprehensive training materials for junior investigators to enhance knowledge sharing and streamline investigation processes.
• Oversaw compliance with legal regulations during investigations, upholding the highest ethical standards.
• Exceeded performance targets by meticulously managing cases and prioritizing high-stakes investigations.
• Worked accounts 150 to 200 days past due.

• Provided outstanding customer service to enhance guest satisfaction and encourage repeat visits.
• Facilitated training and mentorship of new staff on restaurant procedures to elevate team knowledge and service quality.
• Oversaw inventory management and collaborated with suppliers to guarantee uninterrupted stock availability.
• Directed daily operations to ensure compliance with health and safety regulations.
• Cultivated rapport with guests through warm greetings and attentive service.
• Executed comprehensive cleaning tasks, including sweeping, mopping, dishwashing, and trash removal.

• Reviewed, investigated, and resolved fraud and dispute claims associated with electronic funds transfers.
• Serves as subject matter expert for Regulation E compliance including timely resolution, and client communication requirements.
• Managed the day-to-day activities of the EFT fraud and disputes team while delivering service excellence to meet SLAs for internal partners and customers.
• Managed claims aging and status processes to ensure timely resolutions.
• Ensure that cases are worked timely and report to leadership any violations and emerging risks associated with delays or case volume increases.
• Assisted with hiring diverse professionals and built a high-performing team through mentoring and coaching.
• Supported team members by providing assistance across multiple locations.
• Proactively understand risk and implement and/or test procedural controls to ensure compliance with government regulations and bank policies.

• Evaluated employee performance using key performance indicators, delivering constructive feedback that supported professional development during annual reviews.
• Coordinated seasonal resets for impactful visual merchandising displays that maximized sales potential during peak periods.
• Collaborated with cross-functional teams to create targeted marketing campaigns that enhanced foot traffic and contributed to revenue growth.
• Coordinated seasonal resets for visual merchandising displays that optimized sales potential during peak shopping periods.

• Generated new business by conducting thorough financial needs assessments and offering tailored products to clients.
• Facilitated account setup and closure, loan applications, and service enrollment to streamline customer onboarding.
• Improved customer satisfaction by providing personalized banking solutions and exceptional service.
• Utilized strong interpersonal communication skills during client interactions, resulting in increased trust and fostering long-lasting relationships.
• Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
• Leveraged in-depth knowledge of financial products to promote offerings and enhance customer engagement.
• Managed deposits, withdrawals and wire transfers to process smooth banking transactions for clients.
• Enhanced customer satisfaction through tailored banking solutions and consistently high-quality service.

• Balanced cash drawer daily, resolving discrepancies to ensure accurate cash flow data.
• Disbursed cash and checks accurately while maintaining security of cash drawers.
• Processed customer transactions promptly, minimizing wait times.
• Assisted customers with account inquiries, resolving issues promptly and professionally.
• Served as primary point of contact for customers, providing assistance with account maintenance and transactions.
• Acted as primary point of contact for customers, assisting with account maintenance and transactions to enhance customer experience.
• Collaborated with team members to achieve branch goals, fostering communication and shared responsibilities.
• Monitored and reported suspicious activity in line with bank security policies.