ALBERT NOGARE, JR.

**** ***** ****** **

Mail to: P.O. Box 338

Snoqualmie, Washington 98065

Home Phone: 425-***-****

Cell Phone: 206-***-****

E-mail: acqmn6@r.postjobfree.com

SUMMARY

** ***** *f collection and recovery skills including pre legal, and one year of seasonal government service; 14 years of banking experience in various roles; 4 years credit reporting and investigations. Well-organized, self-motivated, excellent customer and client services skills. Accurate research and document preparation, Able to handle and maintain confidential and sensitive information, Professional manner in routine and pressure situations, Work cooperatively with personnel at all levels. Enjoy working independently or contributing to the performance of a team. Enjoy learning and taking on new responsibilities. BSA, AML, SAR reporting experience and copyright license compliance investigations and recovery.

EXPERIENCE

PicScout Inc. Seattle WA

Contractor Copyright License Compliance Specialist

Credit Analyst / Collections Specialist 2014-2015

Responsible for performing a broad range of functions related to the protection of PicScout's customers against unauthorized use. Responsibilities include operating PicScout's settlement platforms, automating demand notices, working closely with legal partners, revenue reporting, calculating fees and billings of unauthorized use transactions. Responsibilities may also include researching customer and image license databases, along with other online resources to qualify and thus pursue reported cases of unauthorized use. Involves cross-department interaction between sales, operations, finance, technology and other external teams, requires the ability to communicate confidently to external individuals (company executives and their attorneys) about details of U.K. and International copyright laws.

Physio- Control, Redmond WA

Contractor Consumer Financial Credit & Collections 2014

Business-to-Business commercial collections 60+ days past due delinquent invoice / billings, service contracts and medical equipment, Skip Trace, research, investigate customer service and negotiate repayment plans. Approve orders for shipment based on credit review. Collection of past-due accounts receivable. Conduct research into customer accounts. Recommend solutions to resolve customer account issues, balancing the needs of collections with good customer service. Reconcile customer accounts, Interpret credit reports; analyze customer payment history to determine risk. Work in a team environment as well as individual. Perform other related duties as assigned. Microsoft 2007, QAD and Get paid

PACCAR Financial, Bellevue, WA 2009- 2013

Collector II

Develop and maintain relationships with existing truck fleets and owner-operators.

Prepare, develop and administer business to business collection plans on delinquent loans and leases. Collection of insurance and documents to support portfolio, Research and develop extensions and rewrites, Prepare when necessary repossession and bankruptcy packages, Maintain end of month delinquency at 0.35%, Utilize internal and external software programs and electronic resources to enhance portfolio management. Inbound / outbound call center customer service.

KEYBANK NATIONAL ASSOCIATION, Seattle WA 2005- 2009

Relationship Associate III Community Development Lending

Work closely with Economic Development and Real Estate Relationship Managers and their clients.

Research, prepare, develop, order, proof read, and close documents for Renewal, Extensions and New Loans. Perform daily overdraft investigations Compliance and due diligence on new accounts, customers, loans and lines of credit. BSA, AML, OFAC, SAR experience

Maintain delinquency less than 1% for 3+ years on $175 million dollar commercial portfolio.

KCB CE Desktop Line of Business Champion for both Northwest and Rocky Mountain Regions developing and delivering new technology and system improvements.

CCR / Corporate Continuity and Recovery 2006 Northwest and Rocky Mountain Regions.

Disaster Contingency planning, western half of United States,

INTERNAL REVENUE SERVICE, Seattle WA 2004-2005

Contact Service Representative

Inbound Call center doing customer service and research for taxpayers. Negotiate and set up repayment plans for outstanding Federal taxes.

WASHINGTON MUTUAL, Seattle, WA 2002-2004

Loan Default Specialist

Inbound and Outbound Collections Specialist in a high-volume call center, Research and resolve customer service inquiries. Negotiate and set up repayment plans. Prepare Pre Legal documentation for suit, repossession and foreclosure.

Participated in Quick Value project 2003; Employee of the Month 2003.

BANK OF AMERICA, Seattle, WA 2000-2002

Loan Recovery Specialist

Inbound and Outbound Collections Specialist in a high-volume call center dealing with branch generated products. Research and resolve customer service inquiries. Negotiate and set up repayment plans Prepare Pre Legal documentation for suit, repossession and foreclosure.

Employee of the Month August 2000.

KEYBANK NATIONAL ASSOCIATION, Seattle and Auburn, WA 1994-2000

Loan Servicing Specialist, National Permanent Commercial Real Estate Portfolio (1997-1999)

Portfolio Monitoring, compliance, due diligence of national permanent real estate portfolio, Assignment of Mortgages, Property inspections, Collection of past due Loans and financial documents,

Loan Recovery Specialist, Northwest Regional Collections and Recovery (1994-1997& 2000)

Inbound and Outbound Collections Specialist in a high-volume call center dealing with branch generated products. Research and resolve customer service inquiries. Negotiate and set up repayment plans Prepare Pre Legal documentation for suit, repossession and foreclosure.

Developed training Manual for secured and unsecured lines of credit products

Other Relevant Experience

IMFAX INC., Bellevue, WA Quality Control and Mortgage Credit Reporting

Developed and searched legal databases via accessing State of Washington's SCOMAS and US Bankruptcy systems.

WASHINGTON CREDIT INC., Redmond, WA Collections Account Representative

Inbound / outbound call center specializing in the collections of various credit products and utilities.

FINANCIAL COLLECTION ACENGIES, Seattle, WA Account Representative

Inbound / outbound call center specializing in collections of child support and state taxes

AMERICAN CREDITORS BUREAU Burlingame, CA Collections Account Representative

Inbound and Outbound collections of various account types.

FREELANCE SERVICES, South San Francisco, CA Independent Field Representative

Prepared documents for legal desk Such as Writs, Garnishments, and liens, Served as custodian of records for Chevron USA. Prepared and served orders of appearance for various courts in Northern California. Developed Skip tracing Library for ACB of San Francisco

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EDUCATION

Bachelor of Science California State University, Sacramento, CA

School of Business and Public Administration, Recreation and Park Administration Environmental Interpretation

Associate of Arts Skyline Junior College, San Bruno, CA Geology

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