Summary
Overview
Work History
Education
Skills
Timeline
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Ryan Hepburn

Fort Lauderdale,FL

Summary

Highly skilled financial professional with over 11 years of experience in Loan Origination, Fintech Operations, and Deposit Operations. Demonstrated ability to drive operational efficiency, enhance customer satisfaction, and ensure regulatory compliance across various financial sectors. Strong background in managing complex transactions, troubleshooting systems issues, and optimizing workflows. Excellent communicator and problem solving with a focus on delivering results in fast-paced environments.

Overview

12
12
years of professional experience

Work History

Deposit Operations Specialist

American National Bank, US Bank
Oakland Park, Florida
08.2024 - Current
  • Assist with the day-to-day operations of the bank, including processing deposits, withdrawals, and transfers for personal and business accounts.
  • Respond to customers' inquiries related to their accounts, resolving issues related to transaction processing, account discrepancies, and service inquiries.
  • Process stop payments, wire transfers, and other financial transactions, ensuring the proper documentation and authorizations are in place.
  • Processed and reconciled daily financial transactions by posting entries to the general ledger, ensuring accuracy and compliance with accounting standards.
  • Monitor and validate customer transactions, ensuring they comply with banking policies and federal regulations, such as BSA (Bank Secrecy Act) and AML (Anti-Money Laundering).
  • Provided operational support to the branch staff, ensuring seamless transaction processing, troubleshooting system issues, and maintaining accurate records.

Fintech Operation Specialist

International Payout Systems INC
Fort Lauderdale, FL
02.2017 - 08.2024
  • Led the end-to-end client onboarding process, ensuring seamless integration of new customers into the platform, from documentation to account setup.
  • Managed operational workflows related to payment processing, fund transfers, and account management, optimizing efficiency and reducing processing times by 20%.
  • Work with the Customer Support Team to resolve escalated payment-related issues, providing operational expertise where needed.
  • Analyzed financial data and generated reports to provide insights on operational performance, identifying trends, and suggesting improvements to leadership.
  • Generated and issued electronic invoices to clients for payment collection, ensuring timely and accurate billing.
  • Ensured compliance with financial regulations (e.g., KYC, AML) by reviewing transactions, conducting audits, and maintaining accurate documentation.
  • Coordinated cross-functional teams (e.g., finance, compliance, IT) to streamline processes, reduce costs, and improve service delivery for clients.

Loan Officer

Access Financial LLC
Fort Lauderdale, FL
11.2012 - 02.2017
  • Converse with applicants to obtain information for loan applications and answer questions about processes.
  • Reviewed credit histories from applicants and determined feasibility of granting requested loans.
  • Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
  • Οperate in compliance with laws and regulations and adhere to lending compliance guidelines.
  • Contact debtor to inform them of delinquency and arrange debt repayment, payments plans, or negotiate settlements.
  • Process payments (ACH, Credit/Debit Cards, Western Union, and Cash payments and accurately apply payments to customers accounts accounts based on company procedures.

Education

Associate of Science - Paralegal Studies

Broward College
Fort Lauderdale, FL
08.2020

Business Specialist Certification - Business Administration

Broward College
Fort Lauderdale, FL
08.2020

High School Diploma -

Eagle Charter Academy
Lauderdale Lakes, FL
06.2010

Skills

Loan Origination and Underwriting

Deposit Operations and Transaction Processing

Online Banking and Digital Product Support

Risk Management and Fraud Prevention

Financial Data Analysis and Reporting

Accounting Principles

Reconciliation skills

Regulatory Compliance

Customer Relationship Management (CRM)

Operational Efficiency and Process Improvement

Microsoft Office Suite (Excel, Word, PowerPoint)

Banking Software and Platforms

Problem solving

Attention to Detail

Project Management

Time management

Communication

Timeline

Deposit Operations Specialist

American National Bank, US Bank
08.2024 - Current

Fintech Operation Specialist

International Payout Systems INC
02.2017 - 08.2024

Loan Officer

Access Financial LLC
11.2012 - 02.2017

Associate of Science - Paralegal Studies

Broward College

Business Specialist Certification - Business Administration

Broward College

High School Diploma -

Eagle Charter Academy

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Ryan Hepburn