Yamil Soto
North Bergen
Summary
Fraud Agent with 5+ years of banking experience specializing in fraud investigations, transaction analysis, and regulatory compliance. Skilled in analyzing complex account activity, identifying suspicious patterns, and mitigating financial risk. Delivers accurate investigative results while maintaining compliance with security and regulatory standards.
Overview
7
7
years of professional experience
Work History
Fraud Agent II
TD Bank
Mount Laurel
09.2022 - Current
- Conduct comprehensive investigations of high-risk fraud alerts by analyzing transaction patterns, account activity, and customer behavior.
- Identify fraud risk indicators to detect suspicious activity and mitigate potential financial losses.
- Manage and resolve 100+ fraud alerts daily while consistently meeting productivity, accuracy, and service-level standards.
- Maintain 100% quality assessment scores while ensuring compliance with regulatory requirements and internal policies.
- Apply established investigation procedures to support fraud prevention efforts and reduce operational risk.
- Communicate professionally with customers regarding suspected fraudulent activity while maintaining confidentiality.
Customer Service Representative
TD Bank
West New York
10.2021 - 09.2022
- Surpassed quarterly sales and service goals through effective customer engagement strategies.
- Managed customer inquiries and account resolutions, ensuring consistent delivery of high-quality service experiences.
- Assisted customers with account servicing needs while adhering to banking policies and risk controls.
- Reviewed customer activity and escalated identified risks or suspicious concerns promptly.
- Maintained customer confidentiality in compliance with privacy and regulatory requirements.
- Supported branch compliance by following operational risk procedures and internal controls.
Bank Teller
TD Bank
West New York
06.2019 - 10.2021
- Processed high-volume financial transactions with 100% accuracy while ensuring compliance with banking procedures and operational controls.
- Identified and prevented potential fraud through transaction review, verification, and counterfeit detection.
- Followed dual-control procedures and security protocols to safeguard customer assets and mitigate operational risk.
- Demonstrated comprehensive knowledge of banking products and regulatory expectations to support customer inquiries and account needs.
- Exceeded performance goals by consistently achieving over 200% of quarterly sales targets.
- Achieved quarterly WOW! Star recognition in FY21 Q1, Q2, and Q3 for outstanding customer service.
Education
Bachelor of Science - International Business
Saint Peter’s University
Jersey City, NJ01-2020
Skills
- Financial Crime & Compliance: Fraud Investigations, Fraud Detection & Prevention, Transaction Monitoring, Risk Assessment, Regulatory Compliance
- Systems & Technology: FRAMC, Falcon, Ovation, Titan Web Client, Compass, Fidelity, CMSe, Relationship Manager, TransUnion TLO, Partnercare, ThreatMetrix, Microsoft Office Suite
- Professional Skills: Analytical Thinking, Attention to Detail, Investigation & Research, Customer Communication
- Languages: English, Spanish
Timeline
Fraud Agent II
TD Bank
09.2022 - Current
Customer Service Representative
TD Bank
10.2021 - 09.2022
Bank Teller
TD Bank
06.2019 - 10.2021
Bachelor of Science - International Business
Saint Peter’s University