Fraud Specialist

Ricardo Altamirano E-mail: *******@*******.***

**** ******** ****** ****: 831-***-****

Salinas, CA 93906 Cellular: 831-***-****

Summary of Qualifications

Problem Solver- Dependable- Innovative thinker for innovative solutions-

Works well independently or in teams

Bilingual representative with acquired experience in the banking and

customer service field, both face to face and via telephone, who has

managed to leverage strong interpersonal skills, flexibility and

teamwork, in order to achieve business objectives. Recognized for

meeting: Quota attainment, Work quality, Spanish Certification, Year End

results.

• Excellent communication skills, telephone and face to face based

• Computer literate in Microsoft Office, Excel, PowerPoint, and Outlook

• Spanish Certified

Professional Experience

October 2010-November 2011 Language Line Monterey, CA

Bilingual Interpreter

Serve as an Interpreter for Progressive Auto Insurance Co.

Over the Phone translation of accidents, recorded statements

Knowledge of Insurance company terminology and practices

July 2008- September 2009 HSBC Salinas, CA

Fraud Specialist - Prevention

Performed analysis of possible takeover, internet, phone, change of address fraudulent changes on credit card accounts

Analyzed any related accounts for a possible trend of fraudulent activity to set up a case which would be sent over to the Investigations team for prosecution

Advised call center managers of any new fraudulent techniques in social engineering used by fraudsters

Revised over sees transactions to set up new code to stop further fraudulent activity outside of the USA

During last 6 month performance review:

*Investigated suspicious activity on Accounts / Applications with a Save

total of over $1,000,000 dollars

*Reviewed account s for Card Unit team for possible credit profile

creation of suspicious accounts

*Constantly met or exceeded UPH (Calls per hour time scale)

*Assisted on conference calls with Upper management to implement new

strategies to prevent latest fraud trends

* Held Web based training for new Prevention development team in Tulsa, OK

July 2007-July 2008 HSBC Salinas, Ca

Associate Fraud Specialist

Certified to perform BDU (Billing and Dispute) Fee Reversals and

Finance Charge reversals

Certified In Spanish Workshop (Bilingual)

2 complimentary calls

Feb 2008- Excellence in Performance Award

May 2008- Assisted Top Performers luncheon with Card Services CEO

May 2008- Received one complimentary call

July 2008- Promoted to Prevention Department

Aug 2005 – Aug 2006 First National Bank Salinas, CA

Customer Service Representative/Teller

Processed All interbank transactions such as: Deposits and withdrawals,

Certificate of Deposit deposits and withdrawals, Cashier checks, Place

stop payments on checks, Recommend bank products and services, Bonds.

June 2003- May 2005 Importadora y Comercializadora Vazquez Cd. Juarez,

Mexico

Store Manager/Administrative Assistant

Invoice customers on a daily basis, daily cash deposits, reconcile sales

slips with cash deposits for review by accountant, Maintain physical

inventory in store and warehouse, Interview potential candidates for

various store positions, Process sales transactions using a cash register.

Education

Aug 2005- Spring 2007 Monterey Peninsula College Monterey, CA

AA degree in University Studies with an Emphasis in Business Administration

Relevant Courses: Financial Accounting, Managerial Accounting,

Introduction to Business, Business Law. GPA 3.5

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