Summer M. Smith
Summary
Fraud investigations professional with over 10 years in banking and financial services. Expertise in analyzing complex fraud schemes, identity theft, and payment fraud, driving improvements in fraud detection and compliance through effective investigative methodologies and cross-functional collaboration.
Overview
17
17
years of professional experience
Work History
Senior Fraud Investigator
STELLANTIS FINANCIAL SERVICES / FIRST INVESTORS
03.2025 - Current
- Conduct complex investigations involving auto loan fraud, identity theft, synthetic identity fraud, and loan origination fraud.
- Analyze application data, customer records, documentation, and transactional activity to identify suspicious patterns and fraudulent activity.
- Apply investigative methodologies and rules of evidence to determine fraud indicators and support case resolution.
- Acted as subject matter expert for fraud prevention strategies and risk mitigation initiatives, guiding team efforts.
- Maintained detailed investigative records and documentation to ensure compliance with regulatory and company requirements.
- Developed and improved tracking, reporting, and monitoring processes, enhancing fraud detection capabilities.
Fraud Investigator
GOLDMAN SACHS
09.2018 - 08.2024
- Conducted investigations involving identity theft, account takeover, elder financial exploitation, fraud rings, first-party fraud, and synthetic identity fraud.
- Investigated fraud alerts involving ACH, wire transfers, checks, debit cards, credit cards, online banking, and deposit accounts.
- Reviewed suspicious activity to assess SAR filing requirements, collaborating with compliance teams for timely escalation.
- Gathered and analyzed evidence from multiple systems to support fraud investigations and risk mitigation decisions.
- Partnered with financial institutions, merchants, law enforcement, and internal departments to effectively resolve fraud cases.
- Facilitated onboarding and training of new investigators, mentoring them for successful integration into the team.
Recovery Analyst
HYUNDAI CAPITAL AMERICA
09.2015 - 09.2018
- Served as departmental subject matter expert in skip tracing, asset recovery, and delinquency investigations, ensuring adherence to best practices.
- Managed accounts related to fraud, bankruptcy, impounds, litigation, and third-party collections to facilitate effective resolution.
- Partnered with legal counsel to develop policies and procedures supporting regulatory compliance.
- Collaborated with dealerships, repossession vendors, attorneys, and customers to resolve account issues, enhancing stakeholder communication.
Repossession Skip Tracer
ALLY FINANCIAL
08.2014 - 08.2015
- Conducted investigations utilizing public records, databases, and proprietary tools to locate collateral assets.
- Managed customer communications for delinquent accounts, facilitating payment arrangements and improving recovery rates.
- Assisted management in developing training materials and collection procedures to enhance operational effectiveness.
Loss Mitigation Specialist
CITIBANK
03.2009 - 04.2014
- Guided borrowers through loan modifications, repayment plans, forbearance agreements, and tailored loss mitigation solutions to enhance borrower retention.
- Evaluated mortgage documentation and analyzed financial information to inform underwriting and risk assessments, ensuring compliance and accuracy.
- Developed training materials and mentored new employees on servicing procedures and customer account management, fostering a knowledgeable team environment.
Education
Business Administration -
Cedar Valley College
Lancaster, TXBusiness Management Certification - Culinary Arts
Louisiana Culinary Institute
Baton Rouge, LAHigh School Diploma -
Wilmer-Hutchins High School
Wilmer, TXSkills
- Fraud Investigations
- Financial Crimes Analysis
- Suspicious Activity Reviews
- SAR Identification & Escalation
- Identity Theft Investigations
- Account Takeover Fraud
- First-Party Fraud
- ACH & Wire Fraud
- Debit/Credit Card Fraud
- Auto Loan Fraud
- Risk Assessment
- AML/KYC Compliance
- Evidence Collection
- Case Management
- Regulatory Compliance
- Process Improvement
- Fraud Prevention
- Customer Protection
- Training & Mentorship
- Cross-Functional Collaboration
- Fraud Monitoring Systems
- Case Management Systems
- Microsoft Excel
- Microsoft Office Suite
- Transaction Monitoring
- Risk Assessment Tools
- Banking Platforms
- Collections Systems
- Documentation Management
- Investigative Research Databases
Timeline
Senior Fraud Investigator
STELLANTIS FINANCIAL SERVICES / FIRST INVESTORS
03.2025 - Current
Fraud Investigator
GOLDMAN SACHS
09.2018 - 08.2024
Recovery Analyst
HYUNDAI CAPITAL AMERICA
09.2015 - 09.2018
Repossession Skip Tracer
ALLY FINANCIAL
08.2014 - 08.2015
Loss Mitigation Specialist
CITIBANK
03.2009 - 04.2014
Business Administration -
Cedar Valley College
Business Management Certification - Culinary Arts
Louisiana Culinary Institute
High School Diploma -
Wilmer-Hutchins High School