Operations Specialist & Loan Operations Expert

Lisa Lucey

Operations Specialist-Radius Bank Wakefield, MA 01880 *********@*******.*** 781-***-****

Authorized to work in the US for any employer

Work Experience

Deposit Operations Specialist

BankProv – Amesbury, MA

May 2021 to April 2026

Process domestic and international wires, end of day settlement, process foreign currency wires through wire system, ACH night backup, verify reports and documents are set up and uploaded to identify when needed, different projects that arise in department, process check/ACH exceptions, Mobile deposits on Ensenta.

Operations Specialist

Radius Bank - Boston, MA

December 2017 to May 2021

Process check exceptions, atm exceptions, outgoing/incoming wire transfers, return deposited items, end of day settlement scanning processed checks for loan payments. Process loan payments to installment loans

Ops Admin Specialist

Konica Minolta

March 2017 to November 2017

Enter, track, and schedule delivery for all orders processed within the assigned Branch(es) Ensure that all order and contract paperwork is in compliance with Company policies and procedures

Set-up and maintain all master data records for customers processed within assigned branch(es)

Review and pre-edit orders to be submitted to the National Account Customer Care Center

Set-up maintenance contracts for assigned customers and execute all related billing functions

(including specialized invoice generation, backup meter collection, invoice corrections, etc.) Review and monitor lease fundings and follow-up as needed to ensure Konica Minolta is paid as quickly as possible

Maintain customer access to MyKMBS.com as required

Respond to customer inquires

Assist Branch personnel with Administrative issues

Perform general office support functions as required

Loan Analyst, Commercial Loan Department

Citizens Bank

April 2008 to October 2016

Analyze and process the most complex Commercial Loan transactions (payments and advances) in compliance with credit policy.

Perform required research of loan activity for possible credit or debit errors

Communicate directly via e-mail, phone or written correspondence with all parties involved - lendingassistants, relationship managers, customers and other banks.

Verify and process wire advances.

Assist in training colleagues on multiple platforms when needed.

Fraud Analyst, Electronic Banking Operations

Citizens Bank

February 2006 to April 2008

Monitored fraud detection system (PRISM) which analyzed scores of ATM and debit card transactions for possible fraudulent activity.

Follow up on specific customer ATM/Debit Card account for possible fraudulent activity. Determined if there was a risk of fraud and took appropriate account action, including direct customer contact in advance to confirm appropriate card usage or fraudulent activity.

Provided customer service by being available for internal and external customers across the system;handled questions from colleagues at branches and banking customers in a professional matter.

CSG Applications Specialist II, Electronic Banking Operations

Citizens Bank

January 2005 to February 2006

QA application testing support for ATM authorization and Card management - tested the customer ATM/ Debit Cards prior to being sent to them.

Developed and executed test plans and scripts -- developed patterns of how an ATM/Debit Cardcould work with different banking systems.

Acted as Team Leader analyzing business requirements and design documents.

Clerk, Electronic Banking Operations

Citizens Bank

June 2002 to January 2005

Processed all adjustments for foreign customers on CAS/AWS system; this entailed research and processing adjustments to correct banking errors on customers' ATM/Debit Cards.

Followed up with other banks regarding adjustments and processed return deposited items fromforeign banks - these were foreign deposits that were incorrect.

Processed large ATM claims ($10K+) and provided customer service support to branches.

Loss Avoidance Specialist, Loss Avoidance Department

Citizens Bank

October 1998 to May 2002

*Note: US Trust merges with Citizens Bank in 2000.

Reviewed and verified large deposits for funds availability; contacted bank of withdrawal to verifyfunds were available for deposit.

Examined kiting reports - examined customer accounts to validate that fraud is not taking place.

Sent customer notifications of overdrawn accounts utilizing MS Word/Mailmerge.

Reported branch charge off to the Federal Reserve Bank.

Advised branches of potential loss situations and fielded questions from branch personnel.

Senior Clerk, Account Processing Department

USTrust

June 1996 to September 1998

Corresponded with the Federal Reserve Bank of Boston with research results.

Returned deposited items and forwarded NSF (non sufficient funds) overdraft to Federal Reserve Researched items that were not posted to any specific customer accounts to determine proper account money should have been posted to.

Managed multiple incoming reports that included return deposited items, insufficient funds, andposting reject items.

Updated customer account information (name, address, account status) on microfilm and microfiche.

CIF Clerk, Accounts Processing Department

USTrust

June 1987 to May 1996

Maintained customer files updating name, address, joint account status daily. Followed up on new accounts by verifying information in the system is correct.

Filing Clerk, Accounts Processing Department

USTrust

June 1986 to May 1987

Verified customer signatures on incoming checks, filed checks awaiting statement mailings, prepared statements for mailing with processed checks; and maintained customer information records.

Education

High School Diploma

Cambridge Rindge & Latin School - Cambridge, MA 1987

Additional Information

Highly skilled, dedicated, organized and detail-oriented Loan Analyst with extensive experience in the coordination, planning, and support of daily analytical functions.

Effectively managing all essential tasks with minimal supervision.

An independent and self-motivated professional with excellent research, communication andinterpersonal skills; able to grow positive relationships with clients and colleagues at all organizational levels

Adept at developing and maintaining detailed administrative and procedural processes that reduceredundancy, improve accuracy and efficiency, and achieve organizational objectives.

Highly focused and results-oriented in supporting complex, deadline-driven operations; able toidentify goals and priorities and resolve issues in initial stages

Proficient in Microsoft Office System, Microsoft Windows® operating Systems; scanning technology;type approximately 50 wpm.

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