Title: Overdrawn Accounts Specialist
Location: Pensacola, FL (HYBRID)
Duration: 6 months, with potential extensions
Compensation: $15.00/hour – $16.00/hour
Work Requirements: US Citizen, GC Holders or Authorized to Work in the U.S.

Overdrawn Accounts Specialist
To collect on specialized collection accounts, such as overdrawn share savings/checking accounts, trust accounts and association accounts. Provide member detailed account information, resolve member account discrepancies and mitigate potential losses to our client.
 
Job Responsibilities:

• To provide support for Collections operations, which may include Mortgage Default, Consumer Loan Collections, and Credit Card Collections
• Analyze, research and resolve problems and discrepancies related to member accounts/loan
• Collect on Specialized Collection items such as Overdrawn share savings/checking accounts, trust accounts and association accounts
• Obtain detailed financial information from overdrawn members and analyze information gathered to determine optimal solutions for resolution of the overdrawn balance
• Collect on Overdrawn Accounts in a reduced time frame per our client's policies
• Communicate with members and coordinate equitable repayment options and resolution of overdrawn accounts
• Document member interaction and plan of action to recover overdrawn balances
• Provide counseling to members regarding budgeting and financial planning to mitigate financial hardships
• Perform Manager Share Transfers up to authorized limits
• Waive fees on accounts up to the authorized limits
• Recommend alternative options to resolve overdrawn balances
• Recognize potentially fraudulent cases, forward to risk management specialist as appropriate
• Stay informed of fraud/scam patterns to mitigate potential losses and protect member accounts
• Recognize potential Visa debit card chargeback claims and forward to Risk Management Specialist
• Stay informed of Visa Check Card dispute/fraud claim process
• Stay informed of checking/savings account fraud claim process
• Recognize red flags or suspicious activity on member's accounts; Refer to Risk Management for review
• Maintain working knowledge of and ensure compliance with applicable federal, state and industry laws, regulations and guidelines
• Perform other duties as assigned

 
Job Qualifications:

• Ability to work independently and in a team environment
• Working knowledge of credit and collections related federal and state fair lending/consumer protection laws & regulations
• Basic knowledge of estate, association and trust accounts
• Advanced knowledge of savings/checking accounts products and services
• Advanced knowledge of Optional Overdraft Protection Service (OOPS)
• Working knowledge of bankruptcy, settlements, default reporting, loss mitigation and charge off
• Basic word processing and spreadsheet software skills
• Effective organizational, planning and time management skills
• Effective skill exercising initiative and using good judgement to make sound decisions
• Effective verbal and written communication skills
• Advanced negotiation skills

Notes:

• Overtime is not approved for this role.
• Location: Hybrid in Pensacola, FL

Our benefits package includes: 

• Comprehensive medical benefits
• Competitive pay
• 401(k) retirement plan
• …and much more!

 
About INSPYR Solutions
Technology is our focus and quality is our commitment. As a national expert in delivering flexible technology and talent solutions, we strategically align industry and technical expertise with our clients’ business objectives and cultural needs. Our solutions are tailored to each client and include a wide variety of professional services, project, and talent solutions. By always striving for excellence and focusing on the human aspect of our business, we work seamlessly with our talent and clients to match the right solutions to the right opportunities. Learn more about us at inspyrsolutions.com.
 
INSPYR Solutions provides Equal Employment Opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability, or genetics. In addition to federal law requirements, INSPYR Solutions complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities.

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