Elizabeth Bernard-Polk

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

Home: 214-***-****

Dallas, TX 75227

Cell: 214-***-****

Career Objective

To assume a professional position that is both challenging and rewarding that will enable me to expand my present skills with opportunities for future advancements.

Background Summary

Experienced in training and development within various departments. Demonstrates skills in organizing, coordination, and motivating groups. Excellent communication and problem solving skills. Solid records of achievements in course designs, implementations and evaluations. Proficient in Excel, MS Word, and PowerPoint.

Professional Experience

Bank of America – Ft. Worth, TX 2014 to Current

Sr. Fraud Analyst Back Office – Commercial Fraud

●Handles supervisor phone calls and correspondence regarding potential fraudulent accounts.

●Take appropriate action based on transaction characteristics and account changes with indicators of extremely complex issues related to fraud types.

●Perform back office functions related to research and resolution of fraudulent activity and service support.

●Responsible for coaching and assisting junior associates with moderately complex research and analysis of account activity to assess levels of risk and fraud type.

●Teaches others how to take appropriate corrective action through customer contact to verify legitimate usage.

●Decisions accounts under exception conditions and acts as supervisor on an interim basis as needed.

●Provides testing of new procedures and systems.

●Knowledgeable and understand all Fraud Types such as Identity Theft and Transaction Fraud. Complex decisions are made based on judgment and research, extensive job experience, and following established procedures and guidelines while utilizing multiple systems and tools.

Bank of America - Dallas, TX 2011 to 2014

Process Control Representative

●Evaluated the submissions quality and completeness of the document after the loan is assigned to a server.

●Updated fee information.

●Resolved loan issues with appropriate personnel.

●Initiated clues report as needed.

● Recommitted the loans for accuracy as needed.

● Prepared the 3-day package and mail to homeowner.

Bank of America - Dallas, TX 2009 to 2011

Pricing Coordinator

●Prepared and post daily rate sheets, loan registrations, applications, and loans for underwriting.

●Served as a point of contact to respond to phone inquiries regarding pricing, product, program inquiries and status calls.

●Provided support for the regions, branches and senior management in the areas of pricing strategies and policy.

●Handled the daily monitoring of Product Price Models.

●Reviewed the Adhoc reports for the division.

●Modified the price model as needed.

●Be aware of and comply with Bank of America’s policies & regulations concerning pricing, products, and programs.

Bank of America - Dallas, TX 2005 to 2009

Wiring Clerk

●Transferred funds to Brokers, monitored funds transferred, and completed/reconciled mortgage loan finance entries.

●Processed daily funding of wires/checks to Brokers.

●Created and maintained spreadsheets of funds wired on a daily basis.

●Balanced loans funded and loans finance entries on a daily basis.

●Provided an hour turn-time between the time the fax request for a wire was received and the time the wire was sent out. Wires that are returned based on errors caused by the Accounting Department should be less than 3% per month.

●Researched and resolved all issues from the Reconciliation Report within 48 hours and cleared all “full balance” items within 72 hours.

●Resolved all escalating items from the monthly Escalation Report and cleared escalated items prior to second escalation.

Bank of America – Richardson, TX 2002 to 2005

Lockbox Extraction Specialist

●Processed accounts according to the customer specifications.

●Assembled check copies to customer remittance detail per instructions.

●Compared batch listing to assemble detail and compared assembled batched summary to verify completeness.

●Mailed packages according to customer specification.

Bank of America – Dallas, TX 2001 to 2002

Senior Loan Closer / Closing Coordinator

●Prioritized workload to maintain 24 to 48 hour turn-time for preparation for closing files.

●Closed files to closing agents 48 hours prior to schedule closing.

●Assigned closing files to the loan closer to ensure turn-time requirements are met.

●Scheduled all loans closing from the Doc Order Request Form.

●Monitored and tracked closing schedule via Assess Database.

●Reviewed closing documents prior to funding including documents prepared by a broker in a table funded transaction and HUD I as prepared by settlement agents.

●Served as a liaison between national post-closing and various title companies regarding follow-up and collection of inaccurate or missing documents.

●Trained and coached loan closer personnel.

Bank of America – Dallas, TX 1995 to 2001

Auditor

●Audited files to ensure all compliance procedures are maintained.

●Generated daily reports to reflect completed files and updated file information on the computer system.

●Implemented procedure to ensure files are completed accurately and to maintain data integrity.

●Corresponded with other departments to maintain an up-dated status on each file.

●Consistently met monthly quotas for files audited.

●Managed and follow-up on all suspense items.

●Researched, located, and applied reported missing mortgage payments.

●Collected and coordinated information regarding missing and misapplied payments via mail and telephone.

●Corresponded with outside mortgage companies and other departments to resolve payment issues, verify payment histories, and remove late charges in error.

●Documented all activities required to correct misapplication of payments and correct credit reports.

●Administered developmental training courses for new and existing personnel.

Education

East Field Community College – Mesquite, TX

May 1994

Social Work

Associate Degree

Prairie View A&M University – Prairie, TX

May 1986

Social Work

Bachelor’s Degree

References

References are available upon request.

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