Ronald Meringer

Estate Claims & Account Resolution: Research and verify legal documents (wills, trust agreements, court orders, etc.) to identify rightful beneficiaries and facilitate the disbursement of funds from deceased clients’ accounts.

• Regulatory Compliance: Ensure all actions meet state and federal regulations as well as Bank of America’s internal policies. Utilize internal knowledge bases (e.g., Solutions Center) to confirm procedures align with compliance standards.

• Independent Decision Making: Exercise “Freedom to Act” authority to make independent decisions on complex cases on the bank’s behalf. Provide clear justifications and documentation for decisions, balancing risk management with customer fairness.

• Client Communication: Deliver compassionate and professional customer service when communicating with bereaved customers and estate representatives. Clearly explain requirements and decisions, maintaining the bank’s reputation for integrity and care.

• Delinquency Management: Managed a portfolio of delinquent credit card accounts by contacting customers to negotiate repayment plans, arrange settlements, and recover past-due balances.

• Frontline & Late-Stage Collections: Handled both early-stage (frontline) collection calls and late-stage (backline) escalations, demonstrating versatility in addressing a wide range of delinquency situations and customer concerns.

• Performance & Compliance: Met or exceeded monthly collection targets consistently while adhering to all quality standards and regulatory requirements (e.g., Fair Debt Collection Practices Act). Maintained a high call quality score through diligent compliance and effective negotiation.

• Mentorship & Training: Selected to participate in the department’s Mentor Program to train and support new hires in the Credit Assistance team. Assisted colleagues with developing effective collection techniques and understanding compliance procedures.

• Data Analysis & Reporting: Utilized SQL-based databases and reporting tools to track account status and payment histories. Analyzed collection data to identify trends and improve collection strategies, contributing to more informed decision-making within the team.

• Business Management: Founded and managed an independent trucking operation in partnership with CRST, overseeing all aspects of the business including logistics coordination, client relations, and administrative duties.

• Operations & Logistics: Scheduled and dispatched freight deliveries, ensuring loads were delivered on time and in accordance with client requirements. Maintained a 100% on-time delivery record for key contracts, resulting in positive client feedback and repeat business.

• Team Leadership: Hired, trained, and supervised new drivers. Provided guidance on safety protocols, vehicle maintenance, and route planning, which improved driver performance and adherence to Department of Transportation regulations.

• Strategic Planning: Handled load booking and negotiated contracts with customers. Managed budgeting and expense tracking for the fleet, demonstrating strong organizational skills and the ability to balance operational efficiency with profitability.