Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Arisbeth Espinoza

Phoenix

Summary

Bilingual (Spanish) I am an energetic, self motivated ambitious person who has developed a mature responsible approach to any task that I undertake. Committed with a strong work ethic, Seeking a growing organization where many of my skills can be a strong impact to a successful team.

Overview

8
8
years of professional experience

Work History

Collections Agent

Convergent
01.2023 - 05.2024
  • Identifying debts: Monitor accounts payable to identify debts and accounts with delinquent payments
  • Contacting debtors: Locate and contact debtors to discuss overdue payments, payment plans, and the cause of the debt
  • Negotiating payments: Negotiate payment plans with debtors to encourage timely repayment
  • Documenting debts: Maintain records of debts, payments, and actions taken on accounts
  • Communicating with customers: Handle customer questions, complaints, and inquiries
  • Collaborating with others: Work with the sales and customer service departments to resolve disputes
  • Reporting: Report on collection activity and accounts receivable status to management
  • Adhering to policies: Ensure adherence to relevant laws and policies, and keep the company's collection policies updated
  • Negotiated with account holders to devise repayment plans and minimize collections receivables.

Buisness Banker

Wells Fargo
03.2020 - 07.2022
  • Enhanced customer retention through building strong relationships and addressing concerns promptly.
  • Proactively identified potential risks within client portfolios, implementing strategic measures to minimize losses.
  • Streamlined internal processes to improve efficiency, allowing more time for client interactions and relationship building.
  • Facilitated communication between clients and bank personnel, resolving issues quickly while maintaining client trust.
  • Developed customized lending solutions to meet the unique needs of small businesses and entrepreneurs.
  • Support small businesses and seek ways to improve moderately complex inquiries or issues from customers regarding financial products or conflicts within their business account .
  • Perform routine tasks such as answering back to back calls , inquiries, resolving problems, and providing a best in class customer experience while adhering to work guidelines, policies, and regulations
  • Regularly receive direction from management, escalate questions and refer more difficult issues to staff* Perform research to resolvemoderately complex customer issues including communicating with other departments for issue resolution
  • Interact with experienced representatives on difficult issues
  • establishing, retaining, and deepening customer relationships by performing efficient and accurate banking transactions; such as processing business credit card /loan payments and closing accounts in support of Bank goals and objectives.
  • properly file claim through system for customers depending on the reason. Asking corresponding questions to correctly file and process through claim .Update customers on status of claims remove incorrect claims .

Teller

Wells Fargo
04.2018 - 03.2020
  • Contributed to a positive work environment by demonstrating professionalism, courteousness, and a strong work ethic.
  • Improved customer satisfaction by providing efficient and accurate transaction processing.
  • Referred customers to other banking departments for specialized services.
  • Monitored and verified suspicious activity on customer accounts.
  • engagement by processing teller transactions, sharing digital solutions, and making appropriate introductions to bankers
  • Complete operational activities while minimizing risks under established policies
  • Perform routine transactional, operational, and customer support tasks efficiently through knowledge of bank procedures and products, as well as partners across the organization
  • Receive direction from managers and exercises judgment within defined policies and procedures
  • Escalate questions and issues to more experienced roles
  • Interact with customers and individuals to demonstrate care, build relationships, and complete requested transactions
  • Identify information and services to meet customers financial needs

Fire Watcher

Palo Verde Nuclear Generating Station
05.2016 - 02.2018
  • Facilitated smooth operations during hot work activities by providing continuous surveillance of the area throughout the process.
  • Coordinated with site supervisors to address any identified hazards or concerns quickly and efficiently.
  • Examined fire extinguishing and fire protection equipment to verify functionality and reported repairs and replacements needed.
  • Performed visual inspection of work area and evacuated operations and summoned authorities if hazardous conditions detected.
  • Reduced fire risks by promptly reporting incidents and unsafe conditions to the appropriate personnel.
  • Helped maintain compliance with OSHA regulations regarding fire safety measures onsite.
  • Conducted regular inspections of work sites, identifying and addressing potential fire risks proactively.
  • Enhanced safety by diligently monitoring assigned areas for potential fire hazards and violations.
  • Prevented fire-related incidents by consistently adhering to established protocols and guidelines.
  • Played an active role in maintaining site security by monitoring access points and verifying visitor credentials as needed during shifts as Fire Watcher.
  • Patrolled plant areas and noted and investigated unsafe conditions and practices to eliminate fire hazards.

Education

High School Diploma -

Youngker
Buckeye, AZ
05.2016

Skills

  • Payment arrangement
  • Skip tracing
  • Collections processing
  • Account management
  • Debt negotiation
  • Delinquent account management
  • Debt management
  • Billing procedures
  • Financial reporting
  • Billing and collections best practices
  • Goal orientation
  • Outbound calling
  • Collections
  • Goals and performance
  • Relationship building
  • Credit and collections
  • Decision-making
  • Finance
  • Call center experience
  • Sales experience
  • Risk management
  • Proficiency in software
  • Payment acceptance
  • Issue investigation
  • Environmental monitoring
  • Active listening
  • Legal compliance
  • Payment plan coordination
  • Short sales/note sales
  • Billing practices
  • Call center background
  • Following conversation scripts
  • Billing problem resolution
  • Collection agency relations
  • Attention to detail
  • Payment processing
  • Clear communication
  • Updating customer accounts
  • Strong work ethic
  • Exceptional customer service
  • Professionalism and courtesy
  • Excellent time management skills
  • Approachable
  • Positive
  • Cash handling and management
  • Friendly
  • Transaction processing accuracy
  • Cash counting
  • Cash drawer balancing
  • Patience and empathy
  • Stress tolerance
  • Compliance, banking laws, and regulations
  • Banking
  • Customer relationship building
  • Fraud detection
  • Rapid data entry skills
  • Sales expertise
  • Spanish speaking
  • Customer service
  • Product promotion
  • Customer education
  • Money transfers
  • Risk management policies
  • Customer relationship management
  • Foreign exchange
  • Bank sales
  • Teller experience
  • Educating clients
  • Regulatory compliance
  • Sales proficiency
  • Account servicing
  • Documentation skills

Languages

Spanish
Native or Bilingual

Timeline

Collections Agent

Convergent
01.2023 - 05.2024

Buisness Banker

Wells Fargo
03.2020 - 07.2022

Teller

Wells Fargo
04.2018 - 03.2020

Fire Watcher

Palo Verde Nuclear Generating Station
05.2016 - 02.2018

High School Diploma -

Youngker

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Arisbeth Espinoza