Talia Starks
Maricopa,AZ
Summary
Skilled in debt management, collections, and financial analysis, ensuring optimal recovery rates and client satisfaction. Possess a methodical approach to problem-solving and a strong work ethic, consistently delivering accurate results in a timely manner while maintaining order and efficiency.
Overview
10
10
years of professional experience
Work History
Debt Specialist III
TD Bank
Phoenix, Arizona
2026.03 - Current
- Provided support to customers by answering their questions regarding billing statements and payment options.
- Monitored performance metrics related to collections goals, delinquency rates, average time frames for resolution.
- Conducted negotiations with customers in order to obtain payments on delinquent accounts.
Negotiated payment plans with debtors to ensure timely payments. - Conducted outbound phone calls on delinquent accounts to establish payment arrangements with customers.
- Brought accounts to current status by reducing delinquency and defaults.
- Read disclosures aloud to customers during interactions to ensure understanding.
Fraud Analyst
Bank of America
Chandler, Arizona
2024.04 - 2025.04
- Managed inbound calls, ensuring accurate handling of complex transactions from clients, branch offices, banking centers, and internal associates.
- Research and resolution of fraudulent activity, service support, and delivering practical, innovative solutions to clients while focusing on retention and re-establishing client confidence.
- Updated fraud and billing disputes for clients' bank accounts, enhancing resolution processes.
- Handled diverse claim types, including credit card, debit card, ATM, check fraud, ACH, and online wire transfers for wealth banking products.
Collection Assistant Specialist
Bank of America
Phoenix, AZ
2020.01 - 2024.04
- Outreach to delinquent or high-risk customers to secure payment and determine reason for delinquency on active or inactive loan, deposit and/or credit card accounts.
- Negotiation of repayment plans on outstanding debt that benefit both the client and lender.
Work with customer in a positive and professional manner to establish full balance repayment plan. - Demonstrate empathy for the client's situation using ethical behavior that is consistent with the bank's code of conduct.
- Read disclosures accurately during customer interactions.
- Meet key performance indicators as outlined by management, achieve capture rate and complaint documentation standards each month.
CA Loan Counselor LL
Computershare SLS
Tempe, Arizona
2019.04 - 2020.12
- Engaged in discussions with customers to resolve delinquency issues.
- Ask appropriate fact-finding questions negotiation skills to identify payment problem and offer solutions.
- Make outbound and receive inbound calls to past due customers and document accounts.Adhere to all company policies and procedures.
- Make outbound and receive inbound calls to past due customers and document accounts.
Adhere to all company policies and procedures.
Recurring Delivery Specialist
Apria Healthcare
Chandler, Arizona
2017.06 - 2019.03
- Provides information on equipment supplies and services, schedule deliveries as patient and referral are received for oxygen.
- Resolves patient and customer complaints by identifying problems and coordinating appropriate corrective action.
Clinical Service Representative
CVS Caremark
Tempe, Arizona
2017.02 - 2017.06
- Obtain verbal authorizations and request detailed clinical information from prescribers.
- Approve coverage determination requests based on defined criteria within the scope of approved protocols or decision trees.
- Effectively manage work volume by handling inbound calls/fax requests utilizing appropriate courteous and professional behavior based upon established standards.
- Processed prior authorization requests and documented case notes accurately.
- Maintained HIPAA compliance while handling confidential member health information.
Education
High School Diploma -
Victor Valley Adult School
Victorville, CA2004-01
Skills
- Debt recovery
- Delinquency resolution
- Payment arrangements
- Disclosure compliance
- Collections analysis
- Customer service
Timeline
Debt Specialist III
TD Bank
2026.03 - Current
Fraud Analyst
Bank of America
2024.04 - 2025.04
Collection Assistant Specialist
Bank of America
2020.01 - 2024.04
CA Loan Counselor LL
Computershare SLS
2019.04 - 2020.12
Recurring Delivery Specialist
Apria Healthcare
2017.06 - 2019.03
Clinical Service Representative
CVS Caremark
2017.02 - 2017.06
High School Diploma -
Victor Valley Adult School