Customer service, underwriting, risk management
Resume:
Chia-Chen Vanessa Wei
Matthews, NC 28105
adze98@r.postjobfree.com
SUMMARY
● I am a goal-oriented and result-driven person, and always strive for 4 E’s to achieve profit maximization with risk mitigation for B2B, B2C, C2B, and C2C. 1. Operational “E”fficiencies
2. “E”ffective collaboration
3. “E”ffective communication
4. Cost “E”ffective
● Over 13 years of experience in the financial service industry and 3 years of experience in providing consultation for small businesses (B2B and B2C).
● Areas of Expertise: Marketing, Retail Banking, Risk Assessments, Risk & Regulatory Compliance, Risk Mitigation, Financial Crime Analysis, Underwriting for Home Equity loans, and Subject Matter Expert for bankers.
● Solid track record of success in underwriting, relationship building, and collaboration with International and domestic business partners and/or clients. SKILLS
CRV, SVP, TRIMS (Third Party Risk Information Management System), SAP, SQL, Coast to Coast, LexisNexis, Hogan, Microsoft Office, Quicken, Quickbooks, Microsoft Money, Criss, Kris, SMS, CLAS, Account Analysis System, CAIRO, Mobius, DOTS, Emerald, SOLD, CRM, ACH services system, ASI6, PROS (Prevention Recovery Operations System), VDPS, VROL (Visa Resolve Online), CK (Check Card Disputes XP), DAT, FDR, HOGAN, Etran, MARS, and OIB.
EXPERIENCE
Wells Fargo Bank, N.A., Charlotte, NC - Associate Personal Banker (SAFE) APRIL 2022 - PRESENT
● Participate in delivery of exceptional customer experience by building relationships through proactive outreach as well as proposing appropriate products, services, and digital solutions to help customers succeed financially
● Assist customers with basic requests related to opening new accounts, completing service requests, and submitting credit applications
● Receive direction from managers and exercise judgment within defined policies and procedures
● Develop understanding of bank products and services to connect to customers' needs
P.I.V Consulting LLC, Charlotte, NC - Founder
DECEMBER 2018 - MARCH 2022
● Set up initial meetings with the clients to understand projections/goals/needs and the nature of the business in order to conduct initial SWOT analysis.
● Provided expertise to attract new clients and retained existing ones through marketing strategies, advertising, promotions, and various social media platforms
● Partnering with CPA for the clients’ Profit and Loss statements, Balance sheets, and Quarterly and Annual Tax returns.
● Performed periodic review by risk assessment and SWOT analysis and provided feedback to ensure 4E's were obtained for profit maximization with risk mitigation:
operational Efficiency
Effective collaboration
Effective communication
cost Effecticiency
● Assisted clients exploring opportunities/markets (B2B and B2C) with the periodic review of risk assessment and SWOT analysis (=“Win-Win”) Wells Fargo Bank, N.A., Charlotte, NC - Operational Risk Consultant OCTOBER 2017 - DECEMBER 2018
● Responsible for reviewing, approving, and monitoring the third party suppliers utilized by Corporate Properties Group (CPG) within Corporate Properties Group Third Party Risk Management (CPG TPRM) guidelines.
● Compiled daily and weekly contract reports from Contract Life Cycle Management and purchase order reports from SAP.
● Communicated with third parties about bugs, viruses, and vulnerabilities.
● Managed ad hoc projects that came up due to new CPG deliverables or Enterprise deliverables.
● Tracked DLP compromised Data events and managed the FATCA/annual certifications process.
Wells Fargo Bank, N.A., Charlotte, NC - Consumer Loan Underwriter (SAFE) SEPTEMBER 2012 - OCTOBER 2017
● Responsible for reviewing, analyzing, approving, and underwriting individual consumer requests and products within company and industry guidelines.
● Functions included reviewing financial statements, tax returns, credit reports, titles, appraisals, and applicable ratios.
● Evaluated and ensured overall loan transactions are accurate, complete, and compliant.
● Implemented fraud detection and prevention techniques.
● Contacted customers and partners to gather information to make appropriate decisions and explain rationale behind credit decisions.
● Provided work direction and/or training to team members and performance feedback to management.
Wells Fargo Bank, N.A., Charlotte, NC - - Financial Crimes Specialist NOVEMBER 2009 - SEPTEMBER 2012
● Reviewed customer transactions/documentation to detect potential fraud situations and took appropriate action.
● Researched and analyzed moderately complex activities using multiple online systems and research techniques.
● Created and maintained fraudulent activity logs/records/databases, reconciled and summarized fraud losses, interpreted data, identified trends, and produced reports for management.
● Contacted customers and/or vendors to verify legitimate transactions/documentation and to notify of problem resolution.
● Resolved issues in a timely, accurate, and efficient manner in adherence with existing procedures and risk guidelines.
Wells Fargo Bank, N.A., Charlotte, NC - Banker Support Analyst APRIL 2008 - NOVEMBER 2009
● Provided exceptional customer support for internal customers (RM, RS, Small Business Banker, Community Banker, etc.).
● Responsible for managing errors and considering risk which can result in significant financial impact to the customer and/or bank.
● Received and completed maintenance, research and/or service requests on commercial depository accounts (account analysis inquiries, balance transfers, stop payments, etc.), and Treasury Services (ACH, Controlled Disbursement, Lockbox, ZBA, Wachovia Connection, etc.).
● Identified complex problems, received related information to evaluate options and implemented solutions with limited supervision.
● Actively promoted and exhibited effective time management for self and others.
Wells Fargo Bank, N.A., Charlotte, NC - Online Access Personal Service Representative
NOVEMBER 2005 - APRIL 2008
● Technical support for both personal and commercial clients, as it regards online banking and online billpay including resetting password and browser setting (clearing caches and enabling JavaScript) for Firefox, Internet Explorer, and Safari.
● Supported third-party software/services which include One Stop, Checkfree Billpay System, Personal Finance Manager Software (Quicken, Quickbooks, and Microsoft Money), and Metavante Billpay System.
● Completed maintenance on accounts requested by customers, and assisted customers with electronic billpay issues.
● Responded to telephone inquiries from customers, branches, and general offices within Wachovia.
● Cross-trained for Retail and Business Departments. EDUCATION
The University of North Carolina at Charlotte - Bachelor of Science in Business Administration, with concentration in International business and Marketing.
AFFILIATION
The International Society of Female Professional
VOLUNTEERING
Community Kitchen Program - Charlotte, NC
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