ROXANNA RIVAS
MIDLAND,TX
Summary
Results-driven professional with extensive experience at Community National Bank, specializing in risk management and analytical thinking. Bilingual capabilities enhance customer service and data analysis, driving operational efficiency. Proven adaptability and strong organizational skills facilitate team success through strategic delegation and attention to detail.
Overview
10
10
years of professional experience
1
1
Certification
Work History
ACH REPRESENTATIVE
Community National Bank
07.2019 - 12.2024
- Process over 600 commercial origination ACH files through Q2 Central.
- Monitor and verify that all originated files are received and processed in a timely manner
- Reconciled ACH end-of-summary report to Web Director report.
- Constantly auditing ACH batches throughout the day.
- Review the General Ledger TIB Report, and make proper entries to the correspondence GL’s account.
- Verify and balance daily work processed on Fiserv and Fedline on the web reports.
- Process any unauthorized ACH transactions, and promptly re-credit customers.
- Process reversal transactions for customers in a timely manner.
- Utilize tact and experience-based knowledge to resolve customer complaints, explain specific policies and procedures, and solve problems.
- Process affidavits and ACH stop-pay forms to resolve disputes.
- Audit information daily to ensure the prior day's information was entered correctly and properly interfaces with the system.
- Monitor various ACH risk management (file limits) daily.
- Responsible for maintaining several spreadsheets for required documentation.
- AAP trained (Accredited ACH Professional): General payments, including wires, debit cards, checks, and third-party processors.
- Understanding compliance, system, fraud, and operational risks.
- Familiar with BSA, OFAC, Regulation CC, ECCHO Rules, and CIP.
- Understand SEC codes and time frames to ensure compliance, and timely action.
- Work with the Bank Treasury Department, Loan and Booking Department, Operations Department, and Business Customer Representatives to assist with loan processing payments, override maximum limits, and assist ACH originators.
- Provided training on ACH processes and regulations to new staff members.
- Identified opportunities for improvement within existing operations.
- Conducted periodic audits of existing processes and procedures for accuracy and efficiency.
- Responded promptly to customer inquiries regarding their ACH transactions.
- Performed ACH origination functions, including batch creation, balancing, and submission to the Federal Reserve Bank.
- Posted journal entries in accounting software.
Supervisor
First Convenience Bank
05.2015 - 05.2019
- Set up business development meetings weekly with partnership members to fulfill their employees' banking needs.
- Build strong relationships with other businesses, attend orientation, and cross-sell our banking products offering savings, checking, CDs, and direct deposit accounts.
- Accountable for the branch's achievement of monthly new account production.
- Sell and prepare cashier’s checks, bank-to-bank wires, savings bonds, travelers' checks, and certificates of deposit.
- Assisted customers with car, personal, and real estate loan applications, making sure customers understood the documents.
- Processed wire forms to transfer electronic payments.
- Performed audits and was responsible for finding cash, deposits, and check outages.
- Processed and placed orders from the Federal Reserve Bank.
- Trained employees and led them to upper management positions.
- Maintained positive working relationship with fellow staff and management.
- Fostered a positive and motivating work environment, leading to an increase in team morale.
- Trained new employees on company policies and procedures.
- Evaluated employee performance through periodic reviews and documented results accordingly.
- Led weekly team meetings to discuss progress, address issues, and plan future actions.
- Managed scheduling for staff, ensuring adequate coverage during peak times and projects.
- Counted currency, coins and checks received to prepare for deposit or shipment to branch banks or Federal Reserve Bank.
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Balanced daily cash deposits and vault inventory with zero error rate.
- Identified transaction errors when debits and credits did not balance.
- Helped customers open and close accounts, apply for loans and make sound financial decisions.
- Met or exceeded sales goals by promoting bank products and services in customer interactions.
- Coordinated and participated in group presentations on financial services to attract new clients.
Staff Support Specialist
My Community Credit Union
08.2018 - 09.2018
- Assisted tellers with overrides and approvals for checks over $10,000.00.
- Processed customers' loan payments, cash, and check deposits.
- Handled large volumes of monetary transactions exceeding one hundred thousand dollars daily.
- Responsible for auditing the cash vault.
- Ensured that employees followed established safety protocols at all times.
- Developed and maintained strong relationships with customers by providing excellent customer service.
- Verified amounts and integrity of every check or funds transfer.
Fraud analyst
Community National Bank
- Expertise in utilizing specialized fraud detection software and tools to monitor over 300 commercial and non-commercial transactions in real time and flag suspicious activity.
- Proficient in analyzing large datasets to identify anomalies, patterns, and trends indicative of fraudulent activity, using statistical analysis and data mining techniques.
- Analyzed potential checks, remote check deposit fraud, debit card transactions, and checking irregularities, including returned deposited items, wire transfers, and ACH activity.
- Review for kiting trends, new account fraud prevention activity, commercial, and consumer loan fraud detection.
- Prepared fraud case investigations, which support Suspicious Incident Reporting, Elder Abuse Reporting, and theft, to local law enforcement and the Internet Crime Complaint Center (IC3).
- Investigating complex fraud cases, including gathering supporting documentation, and coordinating to process garnishments or subpoenas.
- Prepared and analyzed internal and external fraud loss data, reporting to monitor risk management activities associated with significant losses.
- Review electronic mobile deposits.
- Assist customers in reducing potential fraud by freezing funds, restricting access to online banking, closing accounts, and issuing new debit cards or new account information.
- Monitor funds transfer applications, including Zelle and bill payments, for all users.
- Unlock and reset passwords, or set up dual-control verification authentication for online banking services.
- Prepared affidavit documents in the intent of recovering funds from another financial institution or disputes.
- Performed detailed analysis of financial transactions to identify suspicious activity.
- Responded quickly to customer inquiries about possible fraudulent activity on their accounts.
Education
AAP -
Accredited ACH Professional trained
Midland, Texas10.2024
Associate of Business Administration -
Kaplan College
El Paso, texas07.2014
High School Diploma -
EL PASO ACADEMY
El Paso, Texas08.2013
Skills
- Analytic thinking
- Bilingual
- Adaptability
- Customer service
- Data analysis
- Organized
- Accounting
- Risk Management
- Delegation
- Texas notary
- Deadline oriented
- Clerical support
Accomplishments
- 01/01/24, With my organize and fast problem solving skills I was able to process an ACH transfer reversal transaction in the amount of 2 million dollars preventing a potential loss for a client.
- 01/01/21, With my banking and fraud analyst knowledge I helped the bank save over five hundred thousand dollars due to my attention to details skills.
- 01/01/16, As a supervisor, I was responsible for balancing over a one-million-dollar commercial Vault daily. Mentoring and promoting employees to a higher level.
Languages
Spanish
Professional
Certification
- Mentor certified
- ACH Accredited Professional
References
References available upon request.
Timeline
ACH REPRESENTATIVE
Community National Bank
07.2019 - 12.2024
Staff Support Specialist
My Community Credit Union
08.2018 - 09.2018
Supervisor
First Convenience Bank
05.2015 - 05.2019
Fraud analyst
Community National Bank
- Mentor certified
- ACH Accredited Professional
AAP -
Accredited ACH Professional trained
Associate of Business Administration -
Kaplan College
High School Diploma -
EL PASO ACADEMY
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