Perry Cunningham
Surprise
Summary
Experienced collections professional with a strong track record in managing accounts and achieving high recovery rates. Collaborative and skilled in negotiation and conflict resolution, always aiming for measurable results. Thrives in fast-paced and evolving environments, consistently showcasing reliability and commitment to meeting organizational goals.
Overview
27
27
years of professional experience
Work History
Collections Manager 1 - Auto Portfolio
JPMorgan Chase Bank N.A.
09.2022 - 08.2024
- Oversaw Fraud, Credit Bureau Disputes, Dealer Repurchase, Unperfected Title, Violent and High Balance Operations
- Worked with Global Security, Risk, Legal, Credit Bureau Operations, Loss Mitigation Collections and any relevant cross line of business partners to identify trends to reduce fraud losses, indemnify confirmed fraud victims, identify fraud rings and implement process improvements
- Designated SME to transition to a new asset management Alfa software platform
- Trained with Alfa Team on new software capabilities
- Learned high level workflow capabilities and building or adjusting workflows
- Worked with project IT, Alfa and other partners on Fraud requirements for Phase 1 launch
- Oversaw and managed the Central Model Office Team during testing and provided real time feedback from end user perspective and made systemic or aesthetic corrections for end user efficiency
- Launched Phase 1 integration transitioning Fraud accounts to new software platform
- Trained Staff on new platform
- Created and published Alfa specific procedures
- Managed procedures and updated as necessary
- Updated staff regularly on essential procedure changes to ensure compliance
- Worked with compliance partners
- Completed year end performance reviews and held merit discussions
- Enhanced score card and ensure timely delivery to agents
- Held performance discussions for low performers to ensure compliance and alignment
- Delivered QA and QC citings and provided training or updates when necessary to ensure compliance
- Managed time and score cards
- Held regular weekly staff meetings to cover agenda or open items
- Ensured all regulatory, compliance and collections standards were met
- Distributed and updated Control Reports (worked with Analytic and Data partners to prioritize deliverables based on risk factors)
Team Lead for Auto Recovery Specialty Operations Department
JPMorgan Chase Bank N.A.
05.2013 - 09.2022
- Approved repossessions for Fraud, Violent Act's, Impound, Verbal Stop/Cease & Desist, Seizure, Probate, SCRA and Replevin accounts
- Managed year long strategic repossession project (May 2017 to May 2018)
- Exceeded revenue by 4 million dollars
- Approved Gap Waivers on completed Total Loss settlements
- Researched or provided solutions or direction on highly sensitive accounts with significant complexity
- Responsible for feedback coaching for representatives
- Identified or escalated trends to senior managers to possible gaps or recommendations for process improvement
- Participated in biannual Risk and Control Self Assessments (RCSA)
- Examined escalated Surplus or Escheated research
- Distributed and updated Control Reports (worked with Analytic and Data partners to prioritize deliverables based on risk factors)
- Central business contact for PII and possible data breach and KYC
- Reviewed exception approvals on Total Loss settlements not within recommended thresholds
- Completed research to move accounts to standard operations
- Approved confirmed frauds to indemnify victims of Identity Theft or Elder Abuse
- Completed account reviews and provided coachings
- Lead specialized assignments from senior managers
Data Project Supervisor
JPMorgan Chase Bank N.A.
05.2012 - 05.2013
- Managed Team on data and customer demographic information
- Researched 15,000 accounts
- Trained staff to research accounts and when necessary send Government Forms and process the returned documents for validation
- Managed in-bound and outbound calls to customers to assist them with the forms or provide instructions
- Worked with cross line partners on establishing a centralized permanent team to manage the future inbound volume
Sr Collector IV Fraud Investigator
JPMorgan Chase Bank N.A.
01.2010 - 05.2012
- Performed fraud investigations
- Reviewed and/or request supporting documentation when necessary for claim evaluation
- Confirmed or Declined claim based on supporting or insufficient evidence
- Requested Credit Bureau indemnification with Credit Bureau partners
- Adhered to regulatory and compliance standards
- Reviewed Police or Law Enforcement Reports
- Worked with Local, State or Federal Law Enforcement agencies when required
- Performed Collections/Loss Mitt
- Secured Impounded or Seized collateral
- Worked with Legal Partners if needed on formal forfeiture proceedings
- Investigated customer fraud cases- payment stacking, credit abuses or bust outs, title washing or sign and release scams
- Monitored suspicious accounts or activity
- Filed AML referrals with internal business partners
- Monitored OFAC identified accounts by internal business partners
- Submitted or remove credit disputes or suppressions based on fraud investigations
- Worked with Global Security, Risk, Credit, Legal Partners based on data analysis to improve fraud prevention techniques
Team Lead
JPMorgan Chase Bank N.A.
01.2004 - 01.2009
- Full balance charge off collections
- 2 reps assigned monthly for coaching/mentoring
- Performed and deliver monthly quality reviews
- Assisted managers on day to day operations
Sr Collector III Auto Portfolio
JPMorgan Chase Bank N.A.
11.2002 - 01.2004
- Full balance charge off collections
- Lump Sum settlement negotiations
- Skip Trace experience - Lexis - Innovis - Fast Data
- High Performance, Sustained Excellence, Elite Voice recipient
Corporate Collector American Express
OSI Solutions Inc.
09.1997 - 11.2002
- Large Market, Small Business and Military Portfolio's
- Completed required 100% One Time FDCPA Exam to work corp portfolio
- Front Line and 2nd Tier Collections
- Maintained FDCPA Compliance and Certifications
Education
High School Diploma -
Christian Life High School
Rockford, IL06-1996
Skills
- Highly Adaptive
- Reliable
- Focused
- Organized
- Self Starter
- Conflict resolution
- Project planning
- Risk assessment capabilities
- Payment processing
- Customer focus
- Credit analysis
- Records research
- Past due balance management
- Coaching and mentoring
- Skip tracing
- Anti-money laundering
- Quality control
- Fraud prevention
- Operations management
- Production monitoring
Licensure Training Awards
- FDCPA Trained
- Introduction to Management (Non Credited Harvard On-line training)
- Champion of Chase
Timeline
Collections Manager 1 - Auto Portfolio
JPMorgan Chase Bank N.A.
09.2022 - 08.2024
Team Lead for Auto Recovery Specialty Operations Department
JPMorgan Chase Bank N.A.
05.2013 - 09.2022
Data Project Supervisor
JPMorgan Chase Bank N.A.
05.2012 - 05.2013
Sr Collector IV Fraud Investigator
JPMorgan Chase Bank N.A.
01.2010 - 05.2012
Team Lead
JPMorgan Chase Bank N.A.
01.2004 - 01.2009
Sr Collector III Auto Portfolio
JPMorgan Chase Bank N.A.
11.2002 - 01.2004
Corporate Collector American Express
OSI Solutions Inc.
09.1997 - 11.2002
High School Diploma -
Christian Life High School
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