Experience

Auto Trakk LLC Williamsport, PA

Compliance Specialist 06/2017 - 12/2023

Develop and implement compliance policies and procedures to ensure compliance with applicable laws and regulations from the federal level and across 13 states

Conducted comprehensive legal research and analysis to ensure compliance with regulatory frameworks, resulting in a 20% decrease in legal disputes and mitigation of potential financial liabilities Ensure that all 75+ staff of the company receive quarterly compliance training to update on latest procedures Participated in strategic monthly meetings to ensure all company policies are in place resulting in a 70% increase in workplace satisfaction

Educated and trained new hires on industry-specific regulatory protocols, ensuring 100% compliance and minimizing onboarding time within a team of 75+ employees

Underwriter II 06/2015 - 06/2017

Analyze loan applications and supporting documentation to determine creditworthiness of applicants Review and verify accuracy of borrower’s income, assets, and liabilities Evaluate credit history and assess risk of loan default Calculate debt-to-income ratios and compare to established standards Make decisions regarding loan approval, denial, or counteroffer Collections Manager 10/2012 - 06/2015

Collections Manager of sub-prime Consumer Auto Lease. Consistency of call monitoring for the collections Team to ensure company policies and procedures are adhered to as well as the FDCPA guidelines.

Coach and Develop Collections Team to meet Company objectives. In depth collections for all phases of delinquency from 1 day late to charge off, including recovery collections and approving accounts for small claims and civil lawsuits. Work effectively with the Executive Team and attend Board meetings to discuss monthly reports, lending updates and collections performance.

Collections of charged off accounts on a monthly basis to increase recoveries and to reduce net charge offs. Process payment extensions, modifications of consumer leas, along with the investigations / resolution of disputed account transactions.

Supervised debt collectors assigned to the department; utilizes all tools and resources available in achieving goals and objectives.

Cornerstone Insurance Associates, Inc. South Williamsport, PA Financial Planning and Life Sales Representative 09/2010 - 09/2013 Communicated regularly with potential clients to offer insurance coverage based on their financial status, requirements, and needs

Generated new leads from field activity and referrals Comprehensive Financial Group Williamsport, PA

Investment Advisor 01/2008 - 11/2011

Assess customer goals by conducting financial opportunity sessions with new or existing clients Advise clients regarding advantages and disadvantages of different financial products and determine which financial products are suitable for client needs and financial circumstances Address clients needs by providing meaningful information, insights and suggestions Bankers Life and Casualty Company Montoursville, PA Insurance Agent 03/2007 - 09/2007

Grew and controlled personal book of business and tracked daily with Microsoft software Surpassed goals for new agents of $6,000.00 in new business in 3 weeks Met office goals for new business production 4 of the first 6 months Chrysler Financial Corporation Horsham, PA

Christopher McPherson

570-***-**** ad3mwn@r.postjobfree.com Williamsport, PA Collections/Skip Tracer 06/2001 - 04/2004

Provide first party collections in support of our financial services, in which I handled total projected portfolios ranging from

$270,000 to $1,100,000

Completed the orderly collection of past due retail and lease receivables to minimum loss of 15% or less for the quarterly and annual goals in 2002 through 2004

Through strong customer service focus, advise customers on available payment alternatives, provide problem resolution, and negotiate payment plans

Skills

Microsoft word, Microsoft excel, Customer service, Communication skills, Risk Assessment, Documentation review Education

Albright College Reading, PA

Liberal Arts Program - History 01/1997