Experience

TD Merchant Solutions

• Canada
• Banking
• 1 - 100 Employee

• Merchant Solution Office (Chargeback Officer)

  • Aug 2019 - Present

  At TD Merchant Solutions, I evaluated and assessed chargebacks to keep accuracy, completeness, and timelines that aided in controlling non-credit losses. During this tenure, I supervised all activities to confirm adherence to defined processing procedures and practices in reference to chargebacks. As a Chargeback Officer, I satisfied customers by providing exceptional services through meeting daily processing levels. Utilizing my relationships building skills, I built productive relationships with other financial institutions and TD Canada Trust branches and TD Merchant Services. Additionally, I contacted merchants to follow up on chargebacks due to disputed transactions assigned.Some of my key contributions are as follow:☛Successfully maintained 100% accuracy and productivity by completing all assigned tasks within timelines.☛Rendered exceptional performance by adeptly debiting 80 to 100 merchants’ accounts as per cardholder disputes and timely sent merchants’ manual letters.☛Represented 20 to 25 disputed cases on regular basis with valid proof of docs after receiving from the merchant.☛Expertly handled and processed average 10 to 15 MFocus (Electronic tickets) daily regarding merchants’ queries.☛Conducted detailed analysis to determine and overcome suspicious activity, reducing potential risk to the bank.☛Built an effective communication network with internal and external customer to assure provision of timely support and excellent services.



Bank of Montreal (BMO), Investor Line

• Servicing Analyst

  • May 2019 - Jul 2019

  As a Servicing Analyst, I delivered active support in merging client profiles to updated system using single sign on method. During this period, I examined client profile using excel data report and validated data against existing system.Some of my key contributions are as follow:☛Accomplished daily assigned works within specified timelines and delivered 100% productivity.☛Met and exceeded targets given by the team Manager by merging 80 to 100 multiples accounts on daily basis.



TD Canada Trust

• Credit Assistant, Money out Customer Service

  • Sep 2018 - Apr 2019

  At TD Canada Trust, I contributed efforts in a team of underwriters and credit assistants delivering credit adjudication services to the Mortgage Sales Force. As a Credit Assistant, I analyzed mortgage documentation, including real estate appraisals, proof of income, and down payment for compliance as per policy.Some of my key contributions are as follow:☛Recognized as a top performer within the team for managing and finalizing multiple mortgage files within a day. Demonstrated 100% accuracy and professionalism while dealing with customers.☛Built and strengthened professional relationships with TDCT Mortgage Sales Force reps for timely follow-up of documentation required to complete mortgage files.☛Worked on 15 to 20 mortgage deals and asked for more documents, which aided in surpassing 125% of manager assigned goal.☛Adhered to bank procedures and processes while performing administrative tasks and took initiatives for efficient resolution of processing issues.



TD Canada Trust

• Operations Officer III, Regulatory Fulfilment Team

  • Sep 2017 - Jun 2018

  During this employment period, I leveragedkey skills and knowledge while processing and validating 65 to 80 OCT (Operation Compliance Tools) cases daily. As an Operations Officer III, I prepared and remediated deficiency letters to the customers as well as expertly handled customer escalations from the FATCA help desk. I utilized excellent communication skills while interacting with customers and partners on calls.Some of my key contributions are as follow:☛Strengthened relationships with private banking partners to render support in identifying customers tax residency via Foreign Account Tax Compliance Act (FATCA) and Common Reporting Standard (CRS) process.☛Exceeded daily validation targets by 150% on average and sustained 100% quality results monthly.



New Loans & PCF, CIBC

• Mortgage Processing Officer

  • Jan 2015 - Aug 2017

  As a Mortgage Processing Officer, I posted approx. 35 to 40 payout checks daily, reconciled checks with issued payout statement and clients Letter of Direction (LOD), and closed client accounts. During this period, I contacted clients to obtain permissions to process electronic fund transfer (EFT) payments, performed balance verification requests, and refunded excess funds to client accounts in cases of overpayment. Additionally, I validated legal and mortgage documents to confirm all provided information fulfills requirements.Some of my key contributions are as follow:☛Delivered training to new employees and offered expert advice to existing employees on complex cases.☛Demonstrated efficiency and accuracy while processing approx. 30 to 35 mortgage payout statements daily.☛Ensured statements completeness and accuracy prior to faxing/mailing information to solicitors and various financial institution clients.