Ruben Ramirez
San Antonio
Summary
Dynamic Escrow Officer with extensive experience at Security Service Title Company, excelling in escrow processing and regulatory compliance. Proven track record in closing coordination and conflict resolution, ensuring accurate title document review and timely disbursement. Recognized for exceptional attention to detail and effective customer communication, driving successful real estate transactions.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Escrow Officer
Security Service Title Company
San Antonio
01.2022 - Current
- Completed all tasks related to intake, processing, closing, and funding of new title orders.
- Applied extensive knowledge of state and federal regulations governing Title Operations.
- Analyzed escrow processes to determine necessary steps for conducting closings per real estate contracts.
- Collaborated with title department to resolve complex title issues including legal descriptions and easements.
- Reviewed title commitments for accuracy, ensuring all requirements were met prior to closing.
- Coordinated document preparation with relevant parties to facilitate efficient closings.
- Conducted closings in office or with external vendors, liaising with customers, realtors, lenders, and attorneys.
- Verified all documents for accuracy, preparing files for timely disbursement.
Escrow Assistant
Security Service Title Company
San Antonio
08.2020 - 12.2021
- Supported Escrow Officer by managing tasks for real estate transaction closures.
- Provided title commitments and documentation while ensuring accuracy and completeness.
- Facilitated proactive communication with parties for timely receipt of title commitment items.
- Coordinated collection of necessary closing documents, including tax certificates and deeds.
- Reviewed signed closing documents for discrepancies, notifying relevant parties promptly.
- Organized and delivered documentation to all parties efficiently for funding purposes.
Member Relationship Officer
Security Service Federal Credit Union
San Antonio
07.2019 - 08.2020
- Qualified members for credit union membership by opening checking, savings, IRA, and CD accounts.
- Advised members on Security Service Federal Credit Union products to meet financial needs.
- Executed various teller transactions, including deposits, withdrawals, payments, and transfers.
- Authorized and approved transactions through overrides and check-hold decisions.
- Balanced branch operations by performing opening and closing procedures and identifying outages.
- Performed loan inquiries to assess eligibility for member loans.
- Processed auto loans, credit cards, and personal loans in compliance with company policies.
- Supported sales initiatives by achieving established sales goals and enhancing member experiences.
Financial Crimes Specialist
Wells Fargo
San Antonio
04.2019 - 07.2019
- Responded to inbound customer inquiries while achieving established quality standards.
- Utilized multiple online systems with technical proficiency to enhance service delivery.
- Conducted thorough questionnaires, documenting and researching information to assist with fraud and merchant disputes.
- Communicated directly with merchants to resolve customer disputes efficiently.
- Maintained knowledge of Regulation E to ensure compliance in handling customer disputes.
Cap 1 Team Member
Wal-Mart Supercenter
Helotes
06.2018 - 04.2019
- Maintained area of responsibility according to company policies by managing claims and returns.
- Organized and zoned merchandise, reducing shrink and damages while ensuring a safe environment.
- Optimized merchandising presentation by stocking, rotating, and cleaning product displays.
- Removed damaged or outdated goods while securing fragile and high-shrink items.
- Delivered exceptional customer service by identifying needs and assisting with purchasing decisions.
- Resolved customer issues while promoting products and maintaining a safe shopping atmosphere.
- Received and stocked merchandise, adhering to safety and operating procedures throughout facility.
- Streamlined backroom organization by sorting, staging, and delivering merchandise efficiently.
Member Relationship Specialist
Security Service Federal Credit Union
San Antonio
05.2015 - 12.2017
- Qualified members for credit union membership by opening checking, savings, IRA, and CD accounts.
- Advised members on Security Service Federal Credit Union products to align with financial needs.
- Executed various teller transactions, including deposits, withdrawals, payments, and transfers.
- Authorized and approved transactions through overrides, check holds, and check-cashing decisions.
- Balanced branch operations by performing opening and closing procedures to identify outages.
- Conducted loan inquiries to determine member eligibility for auto loans, credit cards, and personal loans.
- Processed loans in accordance with company policy to facilitate timely closures.
- Supported sales initiatives by consistently meeting established sales goals.
Compliance Analyst
JP Morgan Chase & Co. - Randstad Staffing
San Antonio
07.2014 - 11.2014
- Enforced global financial crimes compliance, supporting anti-money laundering and sanctions initiatives.
- Conducted enterprise-wide searches for known or suspected money launderers and terrorists.
- Examined internal and external communications to identify issues and direct investigations.
- Reviewed periodic account holder screenings and real-time online transaction reviews for suspect matches.
- Identified and triaged referrals of suspicious customer activities for further investigation.
Auto Adjuster
USAA
San Antonio
03.2014 - 06.2014
- Investigated and evaluated low to moderately complex auto claims to confirm coverage and determine legal liability.
- Negotiated equitable settlements in compliance with state regulatory requirements.
- Recognized life events, assessed member needs, and provided tailored solutions.
- Processed auto and casualty claims through various internal channels, including phone, email, and fax.
- Applied expertise in Property and Casualty insurance products and USAA claim handling procedures.
- Managed $2 million in claims while handling call volumes of 60-80 customers daily.
- Utilized tools and technology to enhance efficiency and support workload management.
Assistant Manager
Wal-Mart Supercenter
Helotes
08.2013 - 03.2014
- Supervised and developed 80 hourly associates by hiring, training, mentoring, and evaluating performance.
- Executed open door policy by addressing associate concerns and providing effective resolutions.
- Analyzed reports to implement asset protection and safety controls while maintaining quality assurance standards.
- Oversaw safety and operational reviews, developing action plans to address deficiencies.
- Drove financial performance by achieving sales and profit goals through effective merchandising strategies.
- Enforced customer service standards, resulting in a 10% reduction in complaints resolved within 24 hours.
- Provided direction on executing company programs and strategic initiatives to enhance operational effectiveness.
- Ensured diversity awareness among associates through recognition and mentorship initiatives.
Education
Bachelor of Arts - Criminal Justice
The University of Texas at San Antonio
San Antonio, TX08.2013
Associate of Science -
Northwest Vista College
San Antonio, TX12.2009
Skills
- Escrow processing
- Title examination
- Regulatory compliance
- Document preparation
- Closing coordination
- Customer communication
- Conflict resolution
- Attention to detail
- Time management
- Problem solving
- Title document review
- Closing process coordination
- Notary public certification
- Loan document review
- Title clearance
- Financial acumen
Certification
Escrow Officer License, Texas 1/19/2022 -6/30/2026
Notary Public, Texas, 08/09/2023, 08/09/2027
References
References available upon request.
Timeline
Escrow Officer
Security Service Title Company
01.2022 - Current
Escrow Assistant
Security Service Title Company
08.2020 - 12.2021
Member Relationship Officer
Security Service Federal Credit Union
07.2019 - 08.2020
Financial Crimes Specialist
Wells Fargo
04.2019 - 07.2019
Cap 1 Team Member
Wal-Mart Supercenter
06.2018 - 04.2019
Member Relationship Specialist
Security Service Federal Credit Union
05.2015 - 12.2017
Compliance Analyst
JP Morgan Chase & Co. - Randstad Staffing
07.2014 - 11.2014
Auto Adjuster
USAA
03.2014 - 06.2014
Assistant Manager
Wal-Mart Supercenter
08.2013 - 03.2014
Bachelor of Arts - Criminal Justice
The University of Texas at San Antonio
Associate of Science -
Northwest Vista College