ROXANNE E LDRIDGE

● 414-***-**** ● ad2uww@r.postjobfree.com

Professional Summary

Driven business professional effective at maximizing customer service opportunities, while exceeding group and/or individual performance goals. Organized Loan Servicer who effectively identifies and resolves complex financial issues, Thrives in fast-paced and ever-changing business environments. Seeking a role of increased responsibility and authority.

SKILL HIGHLIGHTS

●Financial analysis

●Analytical

●Google Docs

●Organized

●Attention to Detail

●Leadership skills

●Time Management

●Critical Thinking

●Complex Problem Solving

Microsoft Office Suite Proficiency

PROFESSIONAL EXPERIENCE

Fraud Detection Specialist January 2023 - Present

Goldman Sachs Richardson, TX

●Responsible for reviewing fraud alerts and determining the actions required to protect the bank's assets, while communicating with customers, merchants, financial institutions, and other personnel.

●Assists in identifying and developing process enhancements to maximize efficiency of fraud detection activities and running and reviewing risk reports, conducting research to validate monetary and non-monetary transactions.

●Determines actions required based on established procedures to protect the Bank’s assets; works with the supervisor on handling more complex cases.

●Makes sound subjective decisions to escalate risky accounts, places and removes restrictions on accounts and secures compromised accounts deemed to have fraudulent activity.

●Reviews established detection system-generated alerts to identify fraudulent activity related to transactions, compromised accounts, and account openings.

Post-Closing Loan Analyst January 2022- July 2022

HomeLight Settlement, LLC Coppell, TX

●Audited and reviewed final closing loan packages ensuring trailing documents were complete, accurate and compliant with state and lender requirements.

●Analyzed and remediated defects identified in the final closing package according to documented procedures, utilizing internal and external resources.

●Managed multiple reports and large volumes of data for appropriate tracking of trailing documents.

●Completed a visual quality control check and sent original recordable documents to the appropriate county either through electronic or manual methods and followed-up to ensure recording has occurred.

●Sent complete executed closing loan packages and certified copies of Security Instruments and other recordable documents to Lender.

●Mailed the original/recorded Security Instruments and other miscellaneous documents along with the Final Owners/Loan Policy to the appropriate parties.

Funder / Loan Analyst July 2021-December 2021

Equity Settlement Services Dallas, TX

●Ensured the completion of the Closing/Funding process of refinance loans in accordance with company policy, regulatory compliance, and investor guidelines.

●Printed checks along with documentation to send to proper parties.

●Completed incoming and outgoing wires per the ledger, closing instructions, and final signed Closing Disclosure.

●Ensured file was balanced and completed disbursements per lender Closing instructions/Closing Disclosure.

PPP Loan Maintenance Analyst / Associate August 2020-March 2021

Digital Intelligence Systems, LLC (DISYS) /Capital One Plano, TX (Remote)

●Assisted with Loan Servicing requests from internal customers via Google Sheets.

●Approved or declined customers request to make any changes and or updates concerning their loan or line of credit.

●Loan/Line of Credit Changes: Blocked or closed accounts and lines of credit if the account is at least 30 days’ delinquent.

●Customer Information Changes: Updated business addresses, telephone numbers and email addresses.

●Monetary Transaction Fee Waivers: Annual, Late and Interest fees.

●Documentation Requests: Billing statements, interest statements, Automatic Payment Services (APS), Overdraft Protection (ODP).

Escrow Disbursement Coordinator/Assistant March 2020-September 2020

AppleOne/First American Title Dallas, TX

●Prepared wires for transfer and issued net proceed checks to borrowers, lien holders and creditors as required.

●Issued closing documents and letters to appropriate parties.

●Prepared daily deposit slips and deposited incoming borrower closing funds.

●Reconciled incoming and outgoing wires.

●Deposited incoming funds from the lender.

●Handled the complete disbursement and follow up of all escrow transactions.

●Performed a wide range of administrative duties to gather information and assist in the escrow process.

●Ensured file was properly balanced and reconciled any differences with Escrow Officer.

Loss Draft Communications Claims Analyst June 2019 – February 2020

Dimont & Associates Dallas, TX

●Reviewed and examined claim information provided, completed follow-up calls to resolve issues and processed claim checks following standard policies and procedures.

●Requested information and documentation from outside sources, responded to a variety of questions regarding requests, inquiries, and filed complaints in a timely and professional manner.

●Maintained effective internal and external working relationships in order to meet client requirements and service level agreements while working closely with clients, investors, agents, and service providers.

●Handled other duties such as reviewing documents, uploading documents in the system, reviewing claims to be closed and various projects as requested based on business needs.

Fraud Analyst II November 2018 - June 2019

Adecco / Bank of America Ft. Worth, TX

●Evaluated and analyzed customer accounts for the prevention and detection of possible fraud.

●Completed inbound credit card calls and took appropriate action based on transaction characteristics of greater complexity and any customer situations that may require differentiated treatment or specialized resolution.

●Responsible for more involved research and analysis of account activity to assess the level of risk, fraud type and made decisions which directly impacted the customer experience and risk to client.

Mortgage QC Auditor May 2014 - May 2018

LeaderOne Financial Corporation Frisco, TX (Remote)

●Reviewed Conventional, FHA, USDA and VA loans for accuracy prior to closing.

●Met all production and performance goals while performing all assigned duties.

●Prepared a checklist of the findings revealed during the quality control audit.

EDUCATION AND TRAINING

High School Diploma

Harold S. Vincent High School - Milwaukee, Wisconsin

Certificate – MCITP / HITP / MCSE with Security Certificate

New Horizons Computer Learning Center - Dallas, Texas

January 2015

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