Richard Patton
Chandler
Summary
Experienced insurance professional with extensive expertise in claims management, specializing in the efficient assessment, processing, and resolution of claims. Demonstrated proficiency in investigation, analysis, and negotiation ensures fair outcomes while adhering to policy compliance. A strong advocate for team collaboration and adaptability, consistently delivering results through effective communication and innovative problem-solving strategies. Committed to reliability and flexibility, adept at meeting evolving demands while upholding the highest standards of quality in all endeavors.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Independent Auto Claims Adjuster
Allcat Claims Service
Chandler, AZ
11.2025 - Current
- Collaborated with policyholders and repair shops to facilitate timely claim resolutions.
- Evaluated auto claims to determine liability and assess damages.
- Collaborated with claimant insurance adjusters to finalize claim settlements efficiently.
- Reviewed complex claim files, ensuring compliance with regulatory standards and company policies.
- Provided exceptional customer service during stressful situations, empathizing with clients'' needs while maintaining professionalism.
- Conducted thorough investigations, gathering evidence and statements from involved parties.
Claims Specialist
State Farm
Tempe, AZ
08.2022 - 11.2025
- Investigated, evaluated, and resolved property and auto claims within designated authority while ensuring accuracy and regulatory compliance.
- Conducted detailed coverage, liability, and damage assessments using Copart, CCC, Xactimate, XACT Contents, EagleView, and additional investigative tools.
- Navigate task-driven queues to maintain productivity in a fast-paced environment while meeting quality and performance standards.
- Analyzed complex claims to ensure compliance with policy guidelines and legal standards.
- Facilitated communication between clients, agents, and adjusters to resolve claims efficiently.
Operations Specialist
US Bank (KForce Staffing)
Tempe, AZ
09.2022 - 07.2023
- Performed quality control reviews of KYC files created by Onboarding team to determine if the review and research were conducted in accordance with the quality standards and timeframes set by established procedures, bank policy and regulatory requirements.
- Represented the Business/Operations side of the project and coordinated with Project Manager’s and project leads from constituent departments, acted as liaison between offices, corporate departments, and system groups.
- Provided support for business group as required Provide support for business group as required.
- Reviewed financial documents, completed specific account maintenance requested by branch managers and submitted by the account holder.
Credit Underwriter
Upgrade Inc.
Phoenix, AZ
01.2022 - 09.2022
- Processed high-volume personal loan applications while maintaining accuracy and fraud-prevention standards.
- Evaluated financial documents, calculated income, and flagged suspicious applications for investigation.
- Delivered excellent customer service and met or exceeded production, quality, and cycle-time goals.
Direct Loan Processor
Loan Depot
Chandler, AZ
02.2020 - 01.2021
- Managed pipeline of 30–60 mortgage loans from application to closing.
- Prepared and delivered Loan Estimates and Closing Disclosures in accordance with federal regulatory standards.
- Communicated with Sales, Title, Escrow, and Funding to ensure smooth loan progression.
- Reviewed credit, income, and title documentation for completeness and accuracy.
Mortgage Insurance Claims Associate
Computershare
Tempe, AZ
08.2018 - 02.2020
- Processed investor and MI claims for Specialized Loan Servicing, ensuring reimbursement accuracy and compliance.
- Conducted forensic reviews of defaulted loans to validate claimable expenses and maximize recovery.
- Handled post-sale servicing tasks in accordance with HUD, VA, USDA, and investor guidelines.
Fraud Prevention Analyst
Macy’s, Inc.
Tempe, AZ
01.2017 - 08.2018
- Investigated suspicious customer transactions including identity theft and account takeover.
- Collected and analyzed transaction data to identify trends and reduce fraud exposure.
- Collaborated with internal departments to improve fraud-mitigation processes and enhance operational efficiency.
Closing Coverage Specialist/Funder
JP Morgan Chase
Phoenix, AZ
02.2015 - 01.2017
- Prepared legal packages for loan closings in a high-volume environment, while ensuring bank compliance and state requirements are satisfied; prepared and edited all final closing documents for accuracy.
- Coordinated closing times and appointments with clients and all parties involved in a transaction.
- Reviewed and approved HUD1 statements with correct fees, charges, and critical documents while complying with TILA and RESPA, and TRID.
Loan Processor
Cognizant
Phoenix, AZ
02.2014 - 02.2015
- Gathered and validated loan-modification documents including income, assets, and title.
- Ensured completeness of all underwriting documents prior to submission.
- Supported mortgage refinance workflows and maintained compliance with FNMA, FHLMC, and FHA standards.
Customer Assistance Specialist/Sr. HL CD Loan Processor
JP Morgan Chase
Phoenix, AZ
04.2012 - 02.2014
- Provided inbound and outbound customer service to borrowers, third parties and title agents.
- Prepared and moved mortgage refinance loans forward to facilitate closing.
- Reviewed loan-related documents, including title insurance, flood and tax certificates and surveys to ensure completeness and accuracy prior to submitting these documents to Underwriting.
- Reviewed and verified borrowers' income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal.
- Introduced new processes to improve efficiencies, reduce operational risk, and increase customer satisfaction.
Loan Processor
USAA Federal Savings Bank
Phoenix, AZ
05.2011 - 03.2012
- Managed borrower communications and documentation collection for both purchase and refinance loans.
- Verified financial documents, reviewed title and appraisal reports, and supported underwriting decisions.
- Approved loans within individual authority limits.
Loss Mitigation Solicitor II
JP Morgan Chase
Phoenix, AZ
04.2009 - 12.2010
- Managed loan modification, short-sale, and repayment plans for distressed borrowers.
- Performed detailed financial evaluations to determine appropriate workout options.
- Oversaw delinquency processes, collections, and quality assurance of customer contact records.
Education
B.A. - Business Administration
University of Phoenix
Phoenix, AZ01.2020
Skills
- Claims Investigation & Evaluation
- Coverage & Liability Analysis
- Xactimate, ECS, XACT Contents, Eagle View, Seek Now
- Excellent people skills
- Critical thinking
- Organizational Skills & Time Management
- Fraud Detection & Risk Mitigation
- Data Analysis & Quality Review
- CCC intelligent solutions & Copart
- Strong investigative & Analytical Skills
- Communication, Negotiation, & Document Accuracy
- Integrity and honesty
- Damage assessment
Certification
- NIPR Licensed P&C Adjuster - License Number 3002902811
Timeline
Independent Auto Claims Adjuster
Allcat Claims Service
11.2025 - Current
Operations Specialist
US Bank (KForce Staffing)
09.2022 - 07.2023
Claims Specialist
State Farm
08.2022 - 11.2025
Credit Underwriter
Upgrade Inc.
01.2022 - 09.2022
Direct Loan Processor
Loan Depot
02.2020 - 01.2021
Mortgage Insurance Claims Associate
Computershare
08.2018 - 02.2020
Fraud Prevention Analyst
Macy’s, Inc.
01.2017 - 08.2018
Closing Coverage Specialist/Funder
JP Morgan Chase
02.2015 - 01.2017
Loan Processor
Cognizant
02.2014 - 02.2015
Customer Assistance Specialist/Sr. HL CD Loan Processor
JP Morgan Chase
04.2012 - 02.2014
Loan Processor
USAA Federal Savings Bank
05.2011 - 03.2012
Loss Mitigation Solicitor II
JP Morgan Chase
04.2009 - 12.2010
B.A. - Business Administration
University of Phoenix