Ta-Ronce Murray
Phoenix,AZ
Overview
16
16
years of professional experience
Work History
Claims Specialist - Water Reconcillation Unit
State Farm
Tempe, AZ
10.2022 - Current
- Review invoices and mitigation estimates for accuracy and compliance with industry standards (e.g., Xactimate pricing).
- Verify that all charges align with the scope of work performed and insurance policy coverage.
- Identify discrepancies between contractors' submitted invoices and approved estimates.
- Work with contractors, insurance adjusters, and clients to resolve billing disputes.
Ensure all corrections are documented and approved before processing payments. - Maintain accurate records of reconciled cases, including communications and adjustments.
- Ensure compliance with insurance company requirements, industry best practices, and local regulations.
- Act as a liaison between mitigation contractors, insurance companies, and policyholders.
- Communicate effectively to ensure the timely resolution of issues.
- Prepare reports summarizing reconciliation results, trends, and potential areas for improvement.
- Provide feedback to mitigation teams to minimize recurring errors in billing or documentation.
- Develop and refine reconciliation processes to improve accuracy and efficiency.
- Stay updated on industry standards, billing practices, and technology advancements.
Senior Loan Servicing Spec.- Fraud Investigations
Wells Fargo Commercial Auto
Phoenix, AZ
08.2016 - 11.2022
- Conduct in-depth investigations into suspected fraudulent loan activities, including reviewing account activity, loan documents, and supporting evidence.
- Analyze complex fraud patterns, identify root causes, and recommend process improvements to mitigate future risks.
- Collaborate with law enforcement agencies and legal teams to report fraudulent cases, and assist in prosecution efforts.
- Oversee daily loan servicing operations, with a focus on fraud risk management.
- Monitor and resolve escalated cases involving suspected fraud in loan origination, repayment, and modification processes.
- Ensure all servicing activities adhere to company policies, industry standards, and regulatory requirements.
- Maintain compliance with federal and state regulations, including Anti-Money Laundering (AML), Bank Secrecy Act (BSA), and Fair Lending practices.
- Develop and implement fraud prevention strategies, tools, and training programs.
- Assist in audits and provide necessary documentation to support regulatory and internal reviews.
- Serve as a subject matter expert (SME) for fraud detection and loan servicing issues, providing guidance to junior staff.
- Collaborate with cross-functional teams, including underwriting, collections, compliance, and IT, to strengthen fraud prevention measures.
- Mentor and train staff on fraud trends, tools, and investigation techniques.
Senior Financial Crimes Specialist
Wells Fargo
Tempe, AZ
09.2008 - 08.2016
- Monitor credit card transactions and alerts for suspicious activity, such as unauthorized charges, account takeovers, and synthetic identity fraud.
- Conduct detailed investigations into reported or detected fraud cases, gathering and analyzing evidence to identify root causes.
- Utilize fraud detection tools and systems, such as FICO Falcon, or similar platforms, to enhance fraud identification and prevention efforts.
- Collaborate with internal teams (e.g., IT, compliance, and operations), and external stakeholders (e.g., card networks and law enforcement) to address fraud incidents.
- Develop and implement fraud prevention strategies, including rule adjustments, system enhancements, and employee training programs.
- Analyze fraud trends, patterns, and emerging risks in the credit card industry to proactively address vulnerabilities.
- Provide recommendations to improve fraud detection systems and processes, ensuring the organization stays ahead of evolving threats.
- Ensure adherence to relevant regulations, such as the Electronic Funds Transfer Act (Regulation E), Fair Credit Billing Act, and Payment Card Industry Data Security Standards (PCI DSS).
- Maintain thorough documentation of investigations and actions taken to support internal audits and regulatory reviews.
Support the development and maintenance of fraud policies and procedures to ensure alignment with industry standards and legal requirements. - Act as a point of escalation for complex fraud cases, providing clear guidance to internal teams and affected customers.
- Communicate fraud prevention measures to clients, and educate them on safeguarding their credit card accounts.
- Work closely with customer service teams to resolve fraud-related complaints and inquiries efficiently.
- Partner with cross-functional teams to enhance fraud detection and prevention capabilities.
• Mentor and guide junior fraud specialists, providing training, and sharing best practices. - Stay current on industry trends, regulatory updates, and emerging fraud threats to inform the organization’s fraud prevention strategy.
Education
Bachelor of Science - Interdisciplinary Studies
Liberty University
Lynchburg, VA05-2026
Associate of Applied Science - Information Technology
Maricopa Community Colleges, Rio Salado Community College
Tempe, AZ05-2020
Timeline
Claims Specialist - Water Reconcillation Unit
State Farm
10.2022 - Current
Senior Loan Servicing Spec.- Fraud Investigations
Wells Fargo Commercial Auto
08.2016 - 11.2022
Senior Financial Crimes Specialist
Wells Fargo
09.2008 - 08.2016
Bachelor of Science - Interdisciplinary Studies
Liberty University
Associate of Applied Science - Information Technology
Maricopa Community Colleges, Rio Salado Community College
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