Niti Sharma Milpitas, California ***** Phone 248-***-**** Email ada4f0@r.postjobfree.com

EXPERIENCE SUMMARY Strong knowledge of various testing methodologies 7 years Bug Reporting Internationalization/Localization Data Annotation/ Curation on several AI/ML projects Scribe for scrum and stand up meetings for weekly/ monthly sprints Agile Project management expert and thorough knowledge of various project phases Localization, and Internationalization requirements for various domains and platforms Expert on working on various bug tracking systems (filing, tracking, verifying, and closing bug reports) Expert working knowledge of various Operating systems and platforms 15 years Effective Organizational skills with outstanding analytical capabilities & negotiation skills towards attaining institutional goals & objectives Strategic planning and strong hands on experience with goal driven projects 13 years Managing focus groups and sessions 10 years Working knowledge of HTML, SQL and various testing and QA models 5 years High efficiency in communication and written skills of English and Hindi 15 years Financial Portfolio Management 14 years Process Improvement and Implementation 12 years Cross Auditing 10 years Training new employees 11 years Compliance 14 Years Exceptional Statistical achievements through-out career history in enhancing service levels, process improvements and managing profitable relationships.

EDUCATION Bachelor of Arts 1998 Punjab University India - Majors in Public Administration and Geography

AWARDS Georgia’s Own Credit Union-Most effective card services management award 2013 HSBC Associate of the Quarter 1st Quarter 2005 HSBC Plaque for achieving performance for 1st, 2nd, 3rd and, 4th Quarter 2004 HSBC 6 Sigma Project Award, Six Sigma 101 Certified training July 2004 GTE Wireless Outstanding Performance Certificate May 2000 Alltel Communications Outstanding Performance Certificate 2000 Alltel Communications Exceeding functional benchmarks for October 2000, November 2000, January 2001 Alltel Communications Quality Excellence Certificate 2000 Alltel Communications Quality Customer Service 11/2000 Alltel Communications Perfect Attendance Certificate September to December 2000, June 2001 and July 2001 Fireman's Fund Insurance Company - Subsidiary Allianz Group of Insurance - Peer Recognition Award 1999

WORK HISTORY

Data Analyst / Linguistic Tester / Data Curation (Localization -Internationalization) Welocalize, March 2018 - Present (On-site Client contract with Fortune 100 company) Cupertino, CA

Primary responsibility is to focus on AI/ML projects while being centric to the international aspects of localization and internationalization Data Annotation/Curation Interaction with international testing team and engineers to help reproduce issues and test features, namely test data, test sets and training data, existing data correctional reviews, - for several languages. Providing support across multi-domain projects with linguistic skills and analysis Working closely with the language engineering team for diverse projects Native language skills & cultural awareness of the target locale Collaborating with engineering teams to best localize content, analyze data for voice recognition for localization and do bug fixes Creating test data, test cases, and training data for region specific vocabulary database. Bug Reporting JSON Tableau Internationalization/Localization Transliteration TO and FROM targeted language Content Review Creating/modifying/reviewing test cases, test data, training data for multiple domains Creating training notes, examples and documents for different domains/platforms Working on contingent and fast paced environment and achieving goals & objectives Scribe weekly and monthly scrum meetings and sprints. Proven track record with the ability to review specifications, follow written test cases Optimize web content with, analytics, & social intelligence. Perform complex functional testing for multiple platforms Identify, analyze and report bugs in order to assist product launch Check UI’ s for functional issues. Engaged in tasks of exploratory testing of UI's both mobile and web-based platforms to check functional and non-functional requirements. Flexibility to respond and react to changing priorities quickly and efficiently Highly organized with attention to detail and a commitment to quality Being able to track, analyze, and report issues Good oral and written communication

Redemption & Judgement Coordinator / Collections

MTC Federal Credit Union (Michelin Tire Corporation FCU) - Greenville, SC 2016 - 2017

Manage the recovery, remarketing, and liquidation of collateral securing diverse loan platforms Recommendations focused on mitigating risks and minimizing loss exposure Receive and review repossession updates, condition reports, and oversee transportation logistics of repossessed inventory, obtain proper title paperwork for transferring ownership of collateral. Use valuation publications to determine collateral Perform adjustments in core systems to collateral value for charge-off and prepare charge off and reclassification paperwork and submit for processing once approved by Management Mitigate losses for all credit union accounts using different collection tools and practices for Auto Loans, Secured & unsecured debts, Equity lines, credit & debit card accounts. Refer accounts to management as needed for loss mitigation options such as loan modifications, debt counseling and debt consolidation options Process GAP Claims, credit life, disability and unemployment claims & cancellations of the subject policies as needed on a variety of accounts Maintain an understanding of legal process for non-self-help repossessions in peaceful self-help states, i.e. replevins, detinues, etc, or in States requiring specific legal process prior to repossession and understanding of insurance claims process, warranty/service contract cancellation process, or other add-on product redemption processes Proceed with pre and post judgments process and other legal ramifications on required accounts Understand and comply with credit union policies and applicable laws, regulations, and the bank's BSA/AML Program, as applicable Formulate and communicate new ideas and suggestions that will improve profitability and efficiency for the company’s overall operation. Serve as a system tester for collections as needed on Beta versions and participate in focus group sessions for new ideas and implementation.

Member Solutions Specialist (Auto Loans, Card Service) Georgia's Own Credit Union- Atlanta, Georgia 2011–2013

Maximize collection and/or recovery of Credit Union assets from delinquent accounts, via financial analysis, credit report review, cross referencing in house resources, and information on member profile Initiate Member correspondence regarding delinquent accounts and develop loss prevention strategies for each account review ed. Was the one call resolution team for distressed accounts and loans via the credit union. Played a key role for the team by effectively negotiating appropriate arrangements for payment after in depth review and determination for resolution(s) available Make recommendations to repossess collateral Analyze post repossession process towards redemption of collateral and/or recovery options, while analyzing future risks and offer best practice remedies keeping in mind the interest of the institution & member alike. Proactively developed loan collection plans by contacting members with high risk accounts, delinquencies, assistance with coordination of repossession activities. Generated solutions towards financial relief and reducing losses while offering options such as loan modification, debt consolidation plan, repayment plan, re age delinquency under compliance guidelines & other state jurisdiction(s) Balance the branch by running teller/ branch totals and reviewing ledger activities

Payment Solutions Representative Michigan First Credit Union - Southfield, Michigan 2009- -2011

Identify delinquent borrower accounts and follow established methods/procedures for immediate results. Maximize collection and/or recovery of Credit Union assets from delinquent accounts, via financial analysis, credit report review, cross referencing in house resources, and information on member profile Initiate Member correspondence regarding delinquent accounts and develop loss prevention strategies for each account review ed. Was the one call resolution team for distressed accounts and loans via the credit union Played a key role for the team by effectively negotiating appropriate arrangements for payment after in depth review and determination for resolution(s) available Make recommendations to repossess collateral response to delinquent situations with collection activity. Effective resolution on a variety of accounts using rapport building client communication skills (engaging in insightful conversation, identifying needs) and offering the appropriate tools and services to resolve accounts Evaluation and investigation of fraud cases (example: straw purchases on auto loans) and possible legal action and collection for delinquent accounts, recovering collateral and uncollected checks. Audit delinquent accounts considered to be non- collectable. Was able to ensure maximum efforts had been taken before assigning bad debt status to account Coordination with personnel of service and system providers, credit card companies, credit bureaus, insurance companies, collateral protection agencies, and registry offices to ensure that the credit union's risk in lending is reduced to a certainty Represent the credit union in court concerning legal processes connected with collection, bankruptcy, and other creditor/debtor situations; attend hearings concerning bankruptcy and present testimony on behalf of the credit union. Initiate legal recourse recommendations such as w age/bank garnishment, foreclosure, deed in lieu, tax lien, and property lien for non-performing delinquencies Conduct evaluations of collateral security and arranged for the disposition of same. Recommended charge- off on non-performing accounts Highly effective in training and mentoring of new team members joining the department

Loss Mitigation Specialist Flagstar Bank - Troy, Michigan 2009 to 2009

Negotiate mortgage terms for home-owners which prevented foreclosure through loan modification, short sale negotiation, short refinance negotiation, deed in lieu of foreclosure, or partial claim loan or other loan work out, while evaluating options and stabilizing the risk of loss. Worked on various investor portfolios such as FHA, FNMA, FHLMC, GNMA and Flagstars own account Effectively worked with the Freddie Mac team under the ‘Making Home Affordable Program Loan Modification Options Review H.A.M.P. program and guidelines, read appraisals and analyze mortgagor’s financial situation, credit report, income and expense statements, income documents and other documents relative to the file in question. Was able to provide the solution most beneficial to the bank and the borrower

Pre Judgment Collections Representative Stillman Law Firm - West Bloomfield, Michigan 2007 to 2009

Worked in pre judgment handling collection duties for retail & insurance files Work with pay offs and settlements on state tax lien files, payoffs on garnishment accounts (both bank & wage garnishment), provide guidance and ramifications on files assigned to the law firm offering debt resolution remedies & avoid further legal recourse. Act as a liaison for the several offices and teams involved while effectively communicating written, verbal and electronic correspondence in regards to accounts worked. Example: Advising about account status regarding garnishment release or if/when the judgment gets/got satisfied Using skip tracing and missing information tracking strategies and tools to resolve in house delinquency profiles Support to various departments in the team and as well as cross training to new employees.

Recovery Management Service (RMS) Representative HSBC Bank North America - Tampa Florida & Southfield, Michigan 2002- - 2006 Worked on Charged Off Balance recoveries utilizing remedies in compliance to FDCPA and various state law s to assist customers Analyzed prospective payment plans based on the credit bureau reports and information available on hand Reviewed files for possible litigation Offering quality debt resolution by collaborating with other departments (Insurance, Bankruptcy, Debt Management, Customer Service, Sales and branch locations nationwide).

Financial Services Associate Verizon Wireless formerly Alltel/GTE Wireless - Tampa, Florida 2000–2002

Review accounts for fraud activity, and follow with required action Manage, evaluate and thorough analysis of high risk or deposit based account portfolios Offer payment arrangements, negotiate settlements on accounts bound for an outside collections agency thus reducing charge off Payment processing for remittances received via online payments, electronic checks and third party agent store payments. Set up accounts for automated payments, review and manage ledger for the auto draft payment receivable portfolio Train team members, manage offline tasks on charge off account overviews and closing expired bill cycles, updating collection status on files Make and receive dialer and non -dialer calls. This involved resolution of customer service inquiries on the following: billing, existing services, features and promotions available, questions and concerns regarding local/regional/national coverage, billing analysis, new plans/features, resolve billing disputes

TRAINING Six Sigma Trained 2005 BSA/AML Training - MTC Federal Credit Union 2016-17 Identity Theft Training- MTC Federal Credit Union 2016-17 Soldier and Sailor Act Training & Disclosures- MTC Federal Credit Union 2016-17 BSA/AML Training - Georgia’s Own Credit Union 2011-12 Flagstar Bank/ PNC Bank Mortgage Banking 101 training 2009 Flagstar Bank/ PNC Bank Focus on BSA/AML for Lending May 2009 Flagstar Bank / PNC Bank Loss Mitigation Utilities & Tools May 2009 HSBC Consumer Lending Diploma July 2002

GTE Wireless/ Alltel Communications Financial Services Representative Training 2000