Fanny Cabrera
Claymont,DE
Summary
Skilled bilingual employee with 15 + years of professional experience: Adept at working in fast-paced environments demanding strong organizational, leadership and interpersonal skills. Committed to providing exceptional customer experiences and driven by complex challenges.
Overview
28
28
years of professional experience
1
1
Certification
Work History
Collection & Recovery
DLL Financial Services
01.2024 - 12.2024
- Process and record incoming payments accurately and promptly
- Perform account reconciliations to ensure all transactions are accounted for
- Communicate with clients regarding outstanding invoices and negotiate payment
- Maintain organized records of all financial transactions and documentation related to account receivable
- Collaborate with other departments to ensure accurate financial reporting and compliance with governmental accounting standards
Collections Specialist
PHILLIPS & COHEN ASSOCIATES
01.2020 - 12.2023
- Collected on third party and business to business collections
- Outstanding accounts included Credit Card, Auto Loan, and Business Account debts that were 30 days to 180 days delinquent
- Arranged payment plans for businesses and consumers to pay off debt
- Successfully recovered on average 50% to 70% of the accounts that were between $2k and $100k in outstanding debt
Loan Modification Specialist
SALLIE MAE
03.2018 - 04.2020
- Performed changes to the terms of an existing loan because of a Br/Cos inability to repay the loan; make calls daily to both Borrower and Co-Signer
- Evaluated customers hardship level using cash flow
- Skilled in probing deeper with second and third-level questions to resolve account delinquencies
- Tactfully handled objections and identified solutions to retain customer satisfaction and loyalty
- Entrusted with the authority to approve modifications for amounts up to 50K
Account Manager
CMC
01.2018 - 12.2018
- Performed a variety of task to effectively manage 123 accounts monthly; make calls daily to accounts with past due balance and follow-up with letters
- Resolved complex customer issues while negotiating immediate or extended payments arrangements
- Prevented impending loss and increase profitability through negotiations and financial assistance programs
- Proficient in Sallie Mae Business Applications, including CMC Flex Station, FDR and other SLM Servicing Tools
- Utilized internal database to record activities, provide accurate account status to customers
- Interpreted, analyzed, and examined credit bureau reports, financial and legal documentation
Fraud Analyst
BARCLAYCARD US
06.2009 - 12.2017
- Audited fraud claims for validity and explore potential recovery opportunities to minimize net losses
- Reviewed 50 fraud cases and fraud types
- Coordinated with law enforcement when needed
- Process chargebacks on Visa and MasterCard charges within compliance guidelines
- Liaison for fraud department regarding billing disputes; referrals from disputes department; also review for validity and final billing resolution
- Subject Matter Expert for high dollar transactional fraud account/Ensure all SARs are filed in a timely manner
- Resolved complex issues with little or no supervision and can work independently or with a team
- Anti-bribery making sure no one is taking money/gifts for favors when it comes to files or transaction
Account Manager II
01.2009 - 12.2014
- Received inbound and outbound phone calls from customers
- Negotiated equitable resolution of delinquent credit card accounts
- Resolved complaints; trouble-shoot accounts for agents unable to overcome objections
- Champion award winner for 2nd quarter 2012 and 2nd quarter 2013
- Champion awards from both peers and customers
Care Manager & Medical Technician
SUNRISE ASSISTED LIVING
06.2006 - 06.2007
- Performed daily audits to ensure adherence to HIPAA laws
- Maintained patient charts and internal filing system
- Provided customer service
- Ensured that patient receive the best standard of care and support
- Always provided dignity and privacy to patients, worked within unpredictable circumstances
Preschool Teacher
BRANDYWINE CHILD CARE
01.2005 - 12.2006
- Developed and implemented daily lesson plans, administered testing, tracked and analyzed student performance
- Created engaging environment conducive to learning and relationship building; provided progress updates to parents & staff
Administrative Assistant / Bookkeeper
TREASURACE, INC
01.2001 - 12.2004
- Managed schedule for CEO & VP
- Provided staff and customer support
- Responsible for data management, drafting and editing of correspondence
- Maintained filing system and Payroll processing
- Increased office efficiency by streamlining accounting protocol
TOKIO MARINE AND FIRE INSURANCE CO., LTD
01.1997 - 12.2001
- Developed and proofread personal and commercial policies
- Coordinated document shipping schedule; Maintained Inventory
- Edited policies for Word Serv and Accurate typing Service
Education
Diploma -
CAYUGA COMMUNITY COLLEGE
Auburn, NYHigh School -
GEORGE WASHINGTON HIGH SCHOOL
New York, NYSkills
- Bilingual-Spanish
- PowerPoint
- Microsoft Office
- Credit Analysis
- Skip Tracing
- Proofreading
- Multi-lines Phones
- Banking
- Lexis Nexis
- Microsoft Excel
- CCD/TSYS
- Financial services
- Bank Secrecy Act
- Microsoft Powerpoint
- CPT coding
- Medical terminology
- Medical coding
- Medical collection
- Time management
- Data entry
- QuickBooks
Certification
Certified Professional Coder, AHIMA
Timeline
Collection & Recovery
DLL Financial Services
01.2024 - 12.2024
Collections Specialist
PHILLIPS & COHEN ASSOCIATES
01.2020 - 12.2023
Loan Modification Specialist
SALLIE MAE
03.2018 - 04.2020
Account Manager
CMC
01.2018 - 12.2018
Fraud Analyst
BARCLAYCARD US
06.2009 - 12.2017
Account Manager II
01.2009 - 12.2014
Care Manager & Medical Technician
SUNRISE ASSISTED LIVING
06.2006 - 06.2007
Preschool Teacher
BRANDYWINE CHILD CARE
01.2005 - 12.2006
Administrative Assistant / Bookkeeper
TREASURACE, INC
01.2001 - 12.2004
TOKIO MARINE AND FIRE INSURANCE CO., LTD
01.1997 - 12.2001
Diploma -
CAYUGA COMMUNITY COLLEGE
High School -
GEORGE WASHINGTON HIGH SCHOOL
Similar Profiles
Chandan KumarChandan Kumar
Area Collection Manager Farm Loan at John Deere Financial India Pvt Ltd.Area Collection Manager Farm Loan at John Deere Financial India Pvt Ltd.
Andrew GraysonAndrew Grayson
Asset Sales Operations Specialist at DLL Financial SolutionsAsset Sales Operations Specialist at DLL Financial Solutions
Rachel ZabelRachel Zabel
Customer Service Representative at DLL Financial SolutionsCustomer Service Representative at DLL Financial Solutions
ADIYUH DAVISADIYUH DAVIS
Patient Service Associate (Fulltime Float) at Penn Medicine Chester County HospitalPatient Service Associate (Fulltime Float) at Penn Medicine Chester County Hospital
Teirra SmithTeirra Smith
Individual Tax Advisory Specialist at Internal Revenue Service, IRSIndividual Tax Advisory Specialist at Internal Revenue Service, IRS