Summary
Overview
Work History
Education
Skills
LANGUAGES
Accomplishments
Certification
Interests
Timeline
Generic

Roxanna Rivas

Midland,USA

Summary

Dynamic Account Manager and banking professional with extensive experience in operations management, process optimization, and customer service. Excelling in client portfolio growth and risk management. Expertise in fraud detection and compliance practices, fostering strong client relationships through effective conflict resolution.Known for fostering collaborative team environments and driving results through effective leadership.

Overview

2026
2026
years of professional experience
1
1
Certification

Work History

Account Manager

Security Business Capital
02.2025 - Current
  • Manage, maintain, and grow a moderate to complex client portfolio.
  • Conduct Client First Funding meetings, and ensure a positive onboarding experience for all new clients.
  • Review and validate incoming invoice schedules and supporting documentation to ensure receivable eligibility prior to funding.
  • Work with the client's debtors to collect payment for purchased receivables through Factorsoft in JHA Cadence software.
  • Conduct timely verifications to ensure asset quality, and proper documentation is maintained.
  • Send notices of assignment to new debtors, and confirm notices with existing debtors.
  • Complete client reviews (90-day and/or annual) as required.

ACH Representative

Community National Bank
06.2019 - 12.2024
  • Efficiently processed commercial and non-commercial ACH origination file transfers, ensuring accuracy and compliance through Q2 software.
  • Managed general ledger reports and entries, ensuring financial accuracy, and reconciled the ACH end-of-summary report to the Web Director report.
  • Verified and balanced daily work-in-process web reports through Fiserv and Fedline software.
  • Processed any unauthorized and reversal ACH transactions, and promptly recredited customers in a timely manner.
  • Utilize tact and experience-based knowledge to resolve customer complaints, explain specific policies and procedures, and solve problems.
  • Processed affidavits and ACH stop-pay forms to resolve disputes.
  • Audit information daily to ensure the prior day's information was entered correctly, properly interfaces with the system, and monitors various ACH files for 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.
  • Performed ACH origination functions, including batch creation, balancing, and submission to the Federal Reserve Bank.

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.
  • Review electronic mobile deposits.
  • Assisted 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.
  • Responded quickly to customer inquiries about possible fraudulent activity on their accounts.

Supervisor Personal Banker

First Convenience Bank
04.2015 - 04.2019
  • Set up business development meetings, building strong relationships weekly with partnership members to fulfill their employees' banking needs.
  • Accountable for the branch's achievement of monthly new account production.
  • Assisted customers with auto and personal loan applications, making sure that customers understood the documents.
  • Processed wire transfers in a timely manner.
  • Performed audits, and was responsible for finding cash, deposits, and check outages.
  • Balanced daily cash deposits and vaults identified transaction errors when debits and credits did not balance.
  • Placed cash orders from the Federal Reserve Bank.
  • Trained employees on company policies and procedures.
  • Maintained a positive working relationship with fellow staff and management.
  • 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.
  • Promoted high customer satisfaction by resolving problems with knowledgeable, friendly service.
  • Met or exceeded sales goals by promoting bank products and services in customer interactions.

Education

Associates of Business Administration -

Brightwood College
04.2015

Skills

  • Attention to detail
  • Staff Training & Coaching
  • Fraud detection
  • Client inquiries management
  • Customer service
  • Knowledge of Compliance Practices
  • Banking Software Proficiency
  • Organized
  • Risk Management
  • Account management

LANGUAGES

Spanish: Native/bilingual
English: Native/bilingual

Accomplishments

  • 01/01/24 With fast problem-solving skills, I processed an ACH transfer reversal transaction, preventing a potential loss for a client in a timely manner.
  • 01/01/21 As a Fraud Analyst, I developed attention to detail, fast thinking skills and implemented fraud prevention strategies and procedures. Helping Community National Bank save hundreds of dollars.
  • 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.

Certification

  • Texas Notary
  • ACH Accredited Professional (AAP)

Interests

  • Volunteering with youth sports programs
  • I enjoy helping others and giving back to the community
  • Youth mentor, providing guidance and support to empower the next generation of leaders

Timeline

Account Manager

Security Business Capital
02.2025 - Current

ACH Representative

Community National Bank
06.2019 - 12.2024

Supervisor Personal Banker

First Convenience Bank
04.2015 - 04.2019

Fraud Analyst

Community National Bank

Associates of Business Administration -

Brightwood College

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Roxanna Rivas