MARIA CRUZ
Hyattsville,MD
Summary
Experienced Financial professional with exceptional organizational and customer service skills with a strong background in banking and administrative tasks. Professional achiever who possesses unique analytical and excellent problem-solving skills required to adhere to regulatory guidelines and assist the organization to achieve it's mission.
Overview
17
17
years of professional experience
Work History
Tax Examiner
District Of Columbia Government
01.2023 - Current
- Ensured compliance with regulatory requirements by performing regular audits and staying up-to-date on industry standards.
- Assisted employers in understanding complex tax regulations by providing clear explanations and guidance.
- Provided detailed documentation on audit findings, facilitating swift corrective action when necessary.
- Communicated with employers to obtain necessary information for audits.
- Developed strong relationships with employers, building trust and ensuring a high level of satisfaction during the audit process.
Senior Fraud Consultant Specialist
IDB Global Federal Credit Union
01.2020 - 12.2022
- Process ATM and debit card claims from lost, stolen or fraud activity.
- Ensure members receive provisional credit while disputes are processed and resolved within 10 business days for domestic and 20 days for international transactions.
- Review chargeback and arbitration documents pertaining to fraud cases.
- Act as the liaison with card processor's vendor regarding dispute resolution and chargebacks.
- Responsible for maintaining, reviewing and updating policies and procedures according to new rules and regulations for both internal and external.
- Handle fraud cases related to check, wire, account takeover, Zelle, card or ACH fraud.
- Review Verafin alerts to uncover possible fraudulent activity.
- Minimize debit card losses to under $60k annually.
- Review and approve suspicious wires.
- Balance and reconcile debit card dispute General Ledger.
- Assist Fraud Manager with marketing debit card campaigns.
- Collaborate with team members to discuss fraud trends and brainstorm methods to combat different types of card fraud.
- Gather evidence, which includes recorded and written statements, financial documentation and audio materials for examination.
- Provide a resolution to member inquiries and internal questions as quickly as possible.
Client Solution Specialist
PNC Wealth Management
06.2018 - 12.2019
- Provide sales, service and execution support for new and ongoing client relationships.
- Gathered required documentation. Prepared, reviewed and verified documentation and relevant information for accuracy. Performed common processing and ensured compliance with standard regulations and processes. May administer complex implementation plans and related client interactions.
- Analyzed investment styles, markets, and characteristics.
- Collaborated with service lines defining wealth targets and goals for individual clients.
Branch Financial Sales Consultant
PNC Bank
08.2012 - 06.2018
- Successfully identified the financial needs of customers and recommended PNC products and services to help them achieve their financial goals.
- Utilized my product and procedural knowledge to willingness and consultatively guide customer issues towards quick resolution.
- Continued education on current banking products through trainings and certification programs.
- Successfully opened new banking products including but not limited to checking, savings, CDs, personal loans, credit cards, and Home Equity loans.
- Exceeded quarterly sale goals, which led to regional recognition for top sales.
- Referred Investment and Mortgage products to sales partners within the branch.
- Executed wire transfers, stop payments and account transfers.
Teller Supervisor
PNC Bank
06.2010 - 08.2012
- Utilized my strong leadership skills to help keep the tellers motivated to identify sales opportunities sales partners within the branch.
- Trained tellers to master knowledge of check negotiability, and deciphering fraudulent checks.
- Prepared weekly schedule for branch staff.
- Rapidly and efficiently prepared branch shipment.
- Processed quarterly branch cash audit.
- Performed customer transactions for money orders, cashiers checks, deposits and withdrawals.
Full Time Teller
PNC Bank
06.2007 - 06.2010
- Provided high-level customer service through friendly approach, strong professionalism and timely assistance with customer transactions.
- Processed exchange and foreign currency.
- Promoted products or services to each customer to consistently achieve sales targets.
Education
High School Diploma -
Cardozo Senior High School
Washington, DC06.2007
Timeline
Tax Examiner
District Of Columbia Government
01.2023 - Current
Senior Fraud Consultant Specialist
IDB Global Federal Credit Union
01.2020 - 12.2022
Client Solution Specialist
PNC Wealth Management
06.2018 - 12.2019
Branch Financial Sales Consultant
PNC Bank
08.2012 - 06.2018
Teller Supervisor
PNC Bank
06.2010 - 08.2012
Full Time Teller
PNC Bank
06.2007 - 06.2010
High School Diploma -
Cardozo Senior High School
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