LORENA GUZMAN
Innisfil,On
Summary
To secure a challenging position with a growth-oriented organization where my skills, experience and knowledge will be utilized to its full potential
Overview
18
18
years of professional experience
Work History
Fraud Analyst
Core Resource Services- BMO Financial Services
01.2022 - Current
- Train and mentor junior fraud analysts on fraud detection techniques and strategies.
- Performed risk assessments to determine level of fraud risk and prioritize investigations.
- Maintained up-to-date knowledge of regulations related to fraud prevention, ensuring compliance with relevant laws and guidelines.
- Improved overall efficiency in fraud analysis by streamlining processes and optimizing tools used for data analysis.
- Developed customized reports for senior management, highlighting key trends and insights on fraud-related issues.
- Contacted customers directly to notify of fraudulent activity and minimize impacts.
- Evaluated customer data to identify and prevent fraudulent activities.
- Coached and trained staff on fraud prevention techniques to increase awareness and reduce risk.
- Analyzed financial statements to identify discrepancies, irregularities and fraudulent activity.
Credit Recovery Specialist
Gatestone & Co Inc
01.2018 - 01.2020
- Contacted customers and provided several options in resolving debt, educated them in the benefits of re-establishing their credit
- Contacted customers to negotiate payment of outstanding accounts for external bank clients
- Discussing account with responsible parties and providing financial information regarding payment responsibilities and assisting consumers in arranging payment.
Mortgage agent
Centum LM Group
01.2017 - 01.2018
- Acted as an intermediary between the lender and the borrower who required a mortgage loan
- Evaluated pay stubs, credit history, tax information and bank statements
- Explained the legal aspects of the loan to the borrower as well as the payment terms and clauses
- Handled complicated refinance transactions for people with credit issues and explained the benefits of financing
- Provided clients with private financing, as well as institutional financing.
Credit Recovery Specialist
Anderson Sinclair LLP
01.2015 - 01.2017
- Contacted customers and provided several options in resolving debt, and educated them in the benefits of re-establishing their credit
- Contacted customers to negotiate payment of outstanding accounts for external bank clients
- Prepared files for legal action
- Reviewed accounts, looked into assets, and confirmed employment for ways of garnishment.
Credit Recovery Specialist
Metropolitan Credit Adjusters LTD
01.2013 - 01.2015
- Contacting consumers and communicating the need for immediate payment
- Discussing account with responsible parties and providing financial information regarding payment responsibilities and assisting consumers in arranging payment
- Investigated consumer location and contact information using collection tools and resources
- Reviewing accounts for legal requirements
- Trained new employees.
Credit Recovery Specialist
Contact Resource Services
01.2006 - 01.2013
- Contacted debtors by telephone regarding collection and recovery of outstanding accounts
- Performed skip tracing to contact the debtor
- Negotiated re-payment with debtors by form of payment in full, settlements and / or payment arrangements
- Followed up on promise to pay and payment commitment accounts to ensure a positive resolution and client satisfaction
- Met monthly collection goals as assigned by management.
Education
Remic Real estate and mortgage Institute of Canada Inc
Marca College Hairdressing and Esthetics
01.2021
Notre Dame Secondary School
01.2001
Skills
- Excellent leadership skills and the ability to handle situations of a complex and sensitive nature
- Very punctual, self-motivated, with good interpersonal skills
- Strong time management, organization and problem solving skills
- Excellent analytical and research skills while leveraging multiple sources
- Exceptional written and verbal communication skills
- Detail orientated, great initiative and possess strong conflict resolution skills
- Ability to work in a fast paced environment and to handle confrontational situations
- Strong computer skills in Microsoft Office, Quantrax, Techcom, Aspen
Languages
Spanish
Native or Bilingual
Timeline
Fraud Analyst
Core Resource Services- BMO Financial Services
01.2022 - Current
Credit Recovery Specialist
Gatestone & Co Inc
01.2018 - 01.2020
Mortgage agent
Centum LM Group
01.2017 - 01.2018
Credit Recovery Specialist
Anderson Sinclair LLP
01.2015 - 01.2017
Credit Recovery Specialist
Metropolitan Credit Adjusters LTD
01.2013 - 01.2015
Credit Recovery Specialist
Contact Resource Services
01.2006 - 01.2013
Remic Real estate and mortgage Institute of Canada Inc
Marca College Hairdressing and Esthetics
Notre Dame Secondary School
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