Customer Service

Stephen S. Hughs

**** ****** *****, ****** ***, TX 75068 • 214-***-**** • ***********@*****.***

Career Objective:

Looking for the perfect opportunity with a company to show off my expertise with the various skill sets I currently have.

Summary of Skills:

Comprehensive knowledge of various types of fraud

Familiarity with the most up to date laws and regulations applicable for financial services

Ability to conduct comprehensive audits and assess spending nature of customers

Self-sufficient, team player and independent worker

Outstanding communication, interpersonal, and coordination skills

Remarkable computer and research skills

Work Experience:

21 years of experience as a Lead Senior Corporate Fraud Investigator

6 years of experience as a Mortgage Loan Closer Supervisor/Manager

6 years of experience as a Mortgage Loan Closer

Jenn L Closing Consultants - Remote

April 2015- Present

Mortgage Loan Closer Manager

Manage a team of 25-40 Closer/Funder Associates while managing and maintaining my own pipeline.

Conduct quality reviews to ensure Closing Disclosures and Post Closing Disclosures are being drafted, sent and funded within TRID/HUD guidelines via Encompass

Manage and train associates on proper customer service along with Title/Broker interactions and practices.

Manage appropriate customer service regulations

Coordinate all the steps of the loan closing process, detail oriented while work with the title companies to provide accurate financial numbers for the borrowers to close on their homes

Verify closing documents including issuance of funds, closing instructions to ensure the marketability of loans and coordinated all aspects of the closing process and ensured that all terms are being met for the closing

Work closely with the processor and underwriter to provide them with accurate final numbers from the title companies to complete the bottom line.

Finalize mortgage loans needed to purchase real estate.

Provide excellent customer service to internal as well as external customers.

Review of loan documents and data to ensure accuracy with lock parameters; validate loan is ready to draw closing documents.

Review of title, hazard, taxes and all pertinent compliance documents.

Prepare, draw, balance, and disclose all initial and corresponding Closing Disclosures within the timeframe expected per TRID as well as company guidelines.

Lead Senior Corporate Fraud Investigator

Neiman Marcus-Dallas, TX

October 2000 - Present

Collaborate with our Human Resources and investigate to identify internal as well as external theft

Coordinate with the local, state, and federal authorities to identify suspects

Request the merchandiser to submit a footage of the CCTV to identify the users of credit card and/or an individual’s identity

Review the CCTV footage, take help of law enforcement agencies, and perform the necessary background

Prepare necessary legal documentation for restitution of losses from the convict

Establish and implement better ways to heightened security of credit cards to mitigate future loss

Blocked credit cards immediately after communication with our customers regarding theft and/or loss

Interview suspects and witnesses to prepare background for filing a suit

Alert our customers or the family on how cards and their identity may be at risk and/or misused by offenders

Education:

High School Diploma-May 1997

Southwest High School-Fort Worth, TX

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