Svetlana Calmis
Lexington,SC
Summary
Experienced Payment Operations Professional with a 99.9% accuracy rate in high-volume financial environments. Currently specializing in Lockbox Processing & Research at TD Bank, with expertise in data validation (FileNet, Fidelity, Oracle) and resolving complex billing discrepancies. A proven leader who has managed teams of 15+, focused on operational excellence and team mentorship. My background as a small business owner and former University Lecturer (Economics) uniquely combines technical financial proficiency with a strategic, results-driven work ethic.
Overview
27
27
years of professional experience
1
1
Certification
Work History
Payment and Deposit Operations Representative
TD Bank
Lexington, SC
07.2021 - Current
- Responsible for researching complex transactions and inquiries, ensuring timely resolution in collaboration with corporate customers, internal leads, and supervisory staff.
- Consistently met and exceeded daily production targets for high-volume Lockbox receivables, maintaining a 99.9% accuracy rate while ensuring all service level standards (SLA) were achieved for commercial bank clients.
- Researching billing errors and discrepancies to initiate corrective action, and solving them, ensuring deadlines are met on a daily basis.
- Maintain daily deadlines while providing support to branches, department employees, and internal teams.
- Train junior employees, update staff on new procedures, and contribute to process improvements.
- Review reports for quality control, escalate issues as needed, and serve as a backup to the Payment Operations Team Lead.
- Manage customer statements, overdue payments, and compliance with payment schedules, utilizing Titan, ImageRPS, FileNet, Fidelity, and Oracle.
- Investigate billing discrepancies, process payments, and maintain accurate financial records in adherence to regulations.
- Operating the remittance processing system- OPEX Falcon and Eagle.
- Utilized a deep understanding of the Bank’s Risk Management Framework to identify potential processing gaps and recommended continuous improvement updates to standard operating procedures (SOPs) to enhance operational efficiency.
- Processing check payments and updating accounts to reflect new balance.
Data Research Analyst
TD Bank
United States
03.2025 - 12.2025
- Seasonal Remote Job
- Researched and validated customer account files for FDIC compliance, ensuring all required signatures and documentation were present.
- Reviewed high-volume digital records using Fidelity, FileNet, and Excel.
- Analyzed 30–40 contracts per hour with consistent accuracy and quality standards.
- Performed data cleanup, audit preparation, and documentation verification.
- Identified missing or incorrect records and updated systems for regulatory compliance.
- Supported compliance audits and data integrity initiatives.
Substitute
Lexington County School District One
Columbia, SC
04.2016 - 05.2021
- Delivered pre-planned lessons and facilitated classroom activities across various subjects, ensuring continuity of instruction in the absence of the regular teacher.
- Provided individualized support and mentorship to students with special needs, fostering academic, social, and emotional development.
- Maintained compliance with school policies and procedures while promoting a safe learning atmosphere.
- Managed classrooms of 25+ students, maintaining 100% adherence to curriculum schedules
Billing Specialist Customer Service Representative
Gas Natural Fenosa
Chișinău, Moldova
12.2002 - 08.2015
- Served as an assistant for the head of Call Center, managing a team of 15+ people and coordinating with various departments.
- Supervised floor operations across night, morning, and mid shifts, ensuring smooth daily operations.
- Used statistical analysis and problem solving in order to meet the needs of clients.
- Created and managed electronic filing systems, recording information, and documentation
- Used computational analysis for quality control of billing
- Analyzed the database for accuracy, performed root cause analysis and corrections for errors
- Effectively resolved customers’ complaints regarding billing, accounts information, and credits
- On time calculated and issued invoices for electricity
- Accurately processed deposits, withdrawals, payments, and other financial transactions while maintaining cash drawer balancing.
- Used customer service skills daily in order to assure all clients were satisfied
- Kept records of collections and disbursements, and ensured accounts are balanced
- Created, maintained, and entered information into databases Completed forms in accordance with company procedures
- Answered phone calls and gave information to callers, received messages, or transferred calls to appropriate individuals
- Collected and deposited money into accounts, disbursed funds from cash accounts to pay bills or invoices, kept records of collections and disbursements, and ensured accounts are balanced
- Set up and managed paper or electronic filing systems, recorded information, up dated paperwork, maintained documents, such as attendance records, correspondence, or other material
- Followed company's policies and procedures to detect fraudulent activities and adhere to security protocols.
Transportation Logistics Specialist
Magirus Indcom, LLC
Chișinău, Moldova
12.2002 - 04.2008
- Self-Employed
- Analyzed transportation routes and schedules to reduce costs and improve delivery times.
- Conducted cost analyses to determine the most economical methods of transportation.
- Negotiated contracts with carriers and suppliers to secure favorable terms.
- Coordinated the movement of goods, including scheduling and route planning.
- Managed transportation-related documentation, such as bills of lading, shipping invoices, and customs forms.
- Analyzed key performance indicators (KPIs) to identify areas for improvement.
- Utilized logistics software and tools for tracking shipments, analyzing data, and managing operations.
- Prepared reports on transportation efficiency, cost savings, and operational performance.
- Leaded initiatives to improve operational workflows and reduce errors.
- Collaborated on international shipping logistics, including customs clearance and compliance.
Economics Teacher
College of Transportation
Chișinău, Moldova
09.1998 - 10.2002
- Taught senior college level courses: “Economic Efficiency” and “Accounting”
- Provided guidance and strategic direction to team members by developing personalized pathways toward master’s degree programs and professional growth.
- Educated future engineers in how to increase all performance indicators using computational analysis
- Taught students how to increase efficiency and lower cost, in order to optimize profits
- 100 percent graduation rate of students
- Prepared curriculum objectives, learning activities, and other materials for courses of study
- Organized course work based on students’ educational levels
Education
Certificate of Technical Studies - Accounting And PayRoll
Midlands Technical College
West Columbia, SC01-2020
Certificate of Technical Studies - Database Analysis
Midlands Technical College
West Columbia, SC01-2019
Master of Science - Engineering And Management in Transportation
Universitatea Tehnică A Moldovei
Chișinău, Moldova06-1999
Skills
- Data & Quality Control: Data Cleanup & Validation, Quality Control, Digital Records Management, FileNet, FIAS, SSA
- Banking & Remittance: Lockbox & Remittance Processing, Cash Handling, Account Reconciliation, Fraud Prevention
- Leadership: Supervisory Skills, Team Building, Cross-functional Coordination, Decision-Making
- Financial Analysis: Cash Flow Management, Cost Reduction, Budget Estimating, Reporting & Business Math
- Strategy & Problem Solving: Discrepancy Resolution, Analytical Thinking, Strategic Planning, Regulatory Compliance
- Digital Literacy: Microsoft Office (Word, Access), Google Drive, Computer Literacy
- Core Soft Skills: Active Listening, Time Management, Multitasking, Organizational Effectiveness
Certification
- Supply Chain Management Basics: Cutting Costs and Optimizing Delivery, Skillsoft -Credential ID 157356958
- Basic Budgeting for Non-financial Professionals, Skillsoft, Credential ID 157197546
Languages
English
Native or Bilingual
Spanish
Limited Working
Russian
Native or Bilingual
Romanian
Native or Bilingual
Ukrainian
Limited Working
Timeline
Data Research Analyst
TD Bank
03.2025 - 12.2025
Payment and Deposit Operations Representative
TD Bank
07.2021 - Current
Substitute
Lexington County School District One
04.2016 - 05.2021
Billing Specialist Customer Service Representative
Gas Natural Fenosa
12.2002 - 08.2015
Transportation Logistics Specialist
Magirus Indcom, LLC
12.2002 - 04.2008
Economics Teacher
College of Transportation
09.1998 - 10.2002
Certificate of Technical Studies - Accounting And PayRoll
Midlands Technical College
Certificate of Technical Studies - Database Analysis
Midlands Technical College
Master of Science - Engineering And Management in Transportation
Universitatea Tehnică A Moldovei