Financial Services
Resume:
Joseph Micheal Cupo
Jacksonville, FL 32244
******.*.****@*****.***
Summary: Risk Analyst with thirteen years of experience in financial services. Proficient team player and self-driven within individual projects. Proven success achieved in performance expectations. Problem solving accomplished through effective decision making skills. Researching and staying up to date on financial products and services enabling me to articulate benefits and solutions to clients daily. College graduate with Associate Degree in Liberal Arts and Sciences from Florida State College at Jacksonville, Graduated with Honors August 2001.
Experience: Personal Banker, VyStar Credit Union, Jacksonville FL
September 2015 – November 2016
oIndependently interview members to identify opportunities to foster and expand their relationship.
oOpen new savings, checking, money market accounts, individual retirement accounts, and certificates of deposits.
oProcess loan applications for automobiles, credit cards and personal loans.
oResolve some member problems independently while escalating more complex problems or situations to a higher authority for appropriate resolution.
oProvide notary service to members.
oAct as branch receptionist as assigned.
oCounsel members and recommend solutions based on their needs and objectives.
Credit Analyst, Landstar System, Inc., Jacksonville FL
May 2015 – September 2015
oAnalyze Dunn and Bradstreet Reports, business periodicals, professional journals, and technical procedures/government regulations.
oRespond to inquiries or complaints from customers, regulatory agencies or members of the business community, TransCredit and other credit agencies
oInterpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
oDefine problems, collect data, establish facts and draw valid conclusions.
oSolve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists.
oAccurately care for our customer master database within iSeries 400 system while issuing new credit and credit extension.
Fraud Investigator, Citibank, Jacksonville FL
February 2014 – May 2015
oAnalyzing information from field investigators, law enforcement agents, and groups within the bank such as Policy and Security to stop new fraud trends and protect affected clients.
oDocumenting fraud trends within databases to support new rings, while creating detailed spreadsheets for investigators to aid in arrests.
oCompiling all financials, loss and save amounts each quarter to present our group’s performance at business reviews.
oResolving complex situations in fraud by applying independent thinking and organizational skills to achieve sound results.
oTrouble shooting new platforms and tools before implementing them to our group to ensure all issues resolved beforehand and no issues present for future productivity.
oMentoring existing and new colleagues on daily productivity and processes while providing overall support whenever needed.
oDelivering special projects and adhering to daily deadlines to satisfy the needs of both the bank and of law enforcement.
Fraud Analyst, Citibank, Jacksonville FL
January 2007 - February 2014
oCaring for High Valued VIP clients while providing immediate resolutions to any issues or concerns.
oExamining activity on clients’ accounts to determine if risks are present.
oIdentifying and protecting clients at risk by utilizing all available resources to locate victims of identity theft and transaction fraud.
o Proactively educating clients on ways to protect their identities and safeguard their accounts from future risk.
oJudging to suspend open credit lines to prevent further loss if risk is identified.
oReassigning accounts that have already been identified as compromised.
oExamining credit applications when verifying new clients to prevent identity theft.
oDelivering queue work in a timely manner to meet bank goals.
oMentoring new hires to foster a smooth transition to the floor.
oServing on our help line to assist peers with questions, as well as handling escalated calls with clients.
oParticipating on a process improvement team to keep our existing procedures current.
oCollaborating with our training department to improve the new hire curriculum, as well as developing procedures for our newly acquired Canadian Portfolio and supporting overnight testing for new software.
oFacilitating the cross training of one stop service for agents from various departments with no prior experience.
Sales Associate, Belk Department Stores, Jacksonville FL
August 2006 – January 2007
oPromoting sales throughout store departments.
oPerforming inventory analysis.
oOrganizing sales and visuals.
oExecuting store reports.
oAttending to clients’ needs throughout all store areas.
Store Associate, Publix Super Markets, Jacksonville FL
December 2005 – July 2006
oMaintaining store volume.
oSupporting deliveries
oCataloging inventory.
oGenerating department orders.
oDesigning visuals.
Temporary Agent, Accountemps, Jacksonville FL
October 2005 – December 2005
oJoined Accountemps, a temporary staffing agency, to locate full-time employment. However, job opportunities were not readily available during the months of October 2005 – December 2005.
Substitute Teacher, Kelly Educational Staffing, Jacksonville FL
August 2005 – October 2005
oInstructing a curriculum based on teachers’ lesson plans.
oSupervising students in a classroom environment from K-12, adhering to Duval County Public Schools’ Policies and Procedures.
Collector/Credit Analyst, Citibank, Jacksonville FL
November 2001 – July 2005
oIdentifying clients with a high risk for future delinquency within a portfolio.
oAnalyzing income to debt ratio by reviewing credit bureau information.
oNegotiating payment plans and settlements with clients.
oProcessing new applications for credit.
oTraining new hires on systems and compliance practices.
oAssisting the Operations and Technology Department with resolving system issues.
Education: Associates in Arts Graduated With Honors August 2001
Florida State College at Jacksonville – FL
Additional Skills:
oProficient in MS Excel, Outlook, Word, PowerPoint and Edge
oCommissioned Notary Public in the State of Florida
o45WPM Typist 97% accuracy
o 143KPM Data Entry 96% accuracy
References: Sherri Walker Previous Supervisor 904-***-****
Kelly Jenkins Previous Supervisor 904-***-****
Crystalynne Gonzalez Previous Colleague 904-***-****
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