Summary

BACKGROUND SUMMARY

Independent Contractor (Investigations Specialist) at FDIC / clearance Contractor ID No: C11514

Results oriented, highly responsible and organized Loan Consultant with over 21 years of solid experience in the areas of Servicing, Collections, Recovery, Computing, Technical Services and Risk Management with leading financial institutions.

Developing valuation and risk models for complex financial instruments utilizing established data warehousing, Performance Measurement Research done by following Key Performance Metrics behavior, Contingency Analysis certification by PCI Group, Bottom Line Management Leadership Module, and Six Sigma (DMAIIC) Methodology: Define opportunity, Measure performance, Analyze process, Improve efficiency, Implement and Control.

I have been responsible for mapping complex business processes and supporting systems as part of a cross-functional or department team; performing detailed analysis to define variances and root causes; conducting feasibility and cost/benefit analysis of proposed solutions; communicating plan to improve performance; developing change management plan; implementing and measuring effectiveness of solution; successfully improving process performance as a result of solution.

Also Managed multiple types of portfolios with over $1Billion in Assets, Seasoned in all cycles of delinquency, foreclosure of mortgages, deficiency judgments, Repossession HUD, FHA, VA Versed in Marshall Eviction procedures. I have Proficient PC skills (Excel, Word and Access. Working knowledge of: Melita, Mosaic, Davox and CT-Vision Auto Dialers.

Work History

Work History
Jun 2008 - Present

Manager / anthony1640@hotmail.com

Doral Financial Corporation

Collection Manager:

Responsible for tactical management and the day-to-day collections operation. Ensured compliance with all rules and regulations governing collections and responsible for evaluating, developing and implementing collection techniques that will generate higher productivity and revenues while continually investigating and introducing process improvement measures. 

Direct and develop the Middle manager level operational staff. Measure performance and monitor budgets, revenue and margins to successfully meet established targets for the business. Review collector and unit goals to support the monthly competitive strategies.

Develop  Individualized Career Plans to encourage maximum performance in key areas while managing the expense. Provide Reports progress and deficiencies to keep next level of management informed of any significant changes. 

I examine existing business and clients to develop programs, strategies and contests which motivate staff and maximize revenue and returns. Ensure the accurate, timely and organized collection of accounts. Adhere to and enforce FDCPA regulations, other federal/state/local laws & regulations and compliance to corporate policies. Monitor job performance and development through the use of weekly performance audits of random account reps. 

Ensure contract compliance for assigned clients. Evaluate and recommend improvements in collection methods and techniques. Perform “second voicing” of accounts - Monitor collection results and track departmental progress. Problem-solve with management and employees regarding human resource issues and provide accurate policy interpretation, resolution and documentation.

Oct 2006 - Jul 2008

MANAGER

Sallie Mae Financial

Collection Manager: Supervise a staff of 120 account reps to ensure the accurate, timely and organized collection of accounts. Adhere to and enforce FDCPA regulations, other federal/state/local laws & regulations and compliance to corporate policies. Monitor job performance and development through the use of weekly performance audits of random account reps. Ensure contract compliance for assigned clients. Evaluate and recommend improvements in collection methods and techniques. Perform “second voicing” of accounts

- Monitor collection results and track departmental progress. Problem-solve with management and employees regarding human resource issues and provide accurate policy interpretation, resolution and documentation.

 Keep manager informed of activities and problems; make recommendations and participate in process improvement initiatives. Maintain strict confidentiality for company, customer and employee information.

1998 - 2006

MANAGER

EMPIRE DIRECT

Vice President: Managed Inbound and Outbound Credit Cards and Personal Loan Collection Unit with a portfolio of approximately $1B and over 120 employees in a production line environment. Also represented as appointed Corp. Officer handling cases in Small Claims Court as well as filing Counter Claims.Empire MC. Accomplishment

• Created and implemented program to automate the Outside Collections Unit daily tracking of Productivity and Delinquency Net Flow, Roll Backs from 1 day Delinquency to Write-Offs as well as tracking the Field Adjuster productivity. Created and implemented a Recovery Unit, through RMS (Recovery Management System).  Assigned Outsource Collection Agencies to recover non-asset and legal outsource for assets to be attached.

1981 - 2006

Manager

citigroup

Citigroup Accomplishment;

• Build infrastructure in back end unit, while effectively managing non-performers. I utilized the BICA. Concept which stands for (Behavior, Impact, Consequence, Alternative-Behavior.)

• This concept in conjunction with identifying the SWOT. Strengths, Weakness, Opportunities and Threats, have helped in building my Coll., Team-leads and managing non-performers in the backend unit. KPMS and Productivity have been established and rolled out to all Collectors and PCO Units.

• Full year combined CBNA NCL was $38.2MM or $9.7MM better than plan. Full year CBNA collection expense finished at $3,547M or $107M better than plan. Year end 30+ delinquency results: Heloc. Finished 45% or 38 bp. better than plan. Cking plus finished 2.56% or flat to plan. Installment finished 2.67% or 17 bp better than plan.

Jan 2002 - Jan 2003

Asistance Vice President

JPMorgan Chase

Assistant Vice President:

Manage Outbound Credit Card Collection Call Center Unit of 70 employees curing accounts in a manual and Auto Dialer (Mosaics) environment. Performed Budget Management, Efficiency Analysis, Failure Analysis, Institutional Compliance, Loan Applicant Interviewing, Production Optimization Modeling, Production Supervision, Regulatory Compliance (OCC.).

JP Morgan Chase Accomplishment

·Obtained Triple Crown 1st place in one to write-off, 1st Place in two to write-off and 1st place in Net Flow Roll rate to Charge-Off against 4 other regions.

Education

Education
1977 - 1980

Bachelor

Universidad del Sacrado Corazón

Skills

Skills

Six Sigma

Direct and develop the Middle manager level operational staff. Measure performance and monitor budgets, revenue and margins to successfully meet established targets for the business. Review collector and unit goals to support the monthly competitive strategies.   Develop Individualized Career Plans to encourage maximum performance in key areas while managing the expense. Provide Reports progress and deficiencies to keep next level of management informed of any significant changes.    I examine existing business and clients to develop programs, strategies and contests which motivate staff and maximize revenue and returns. Ensure the accurate, timely and organized collection of accounts. Adhere to and enforce FDCPA regulations, other federal/state/local laws & regulations and compliance to corporate policies. Monitor job performance and development through the use of weekly performance audits of random account reps.  Ensure contract compliance for assigned clients. Evaluate and recommend improvements in collection methods and techniques. Perform “second voicing” of accounts - Monitor collection results and track departmental progress. Problem-solve with management and employees regarding human resource issues and provide accurate policy interpretation, resolution and documentation.