Richard Gonzalez has over 15 years of experience in banking and financial services including roles as a senior fraud analyst at Bank of America, a financial advisor support specialist at Bank of America/Merrill Lynch Wealth Management, an e-commerce support representative at Tropical Financial Credit Union, an indirect lending coordinator and quality assurance/audit specialist also at Tropical Financial Credit Union, and an ATM assistant coordinator. He has extensive experience analyzing transactions for fraud, providing client service and support, conducting audits and quality assurance reviews, and supervising employees. Gonzalez has an Associate's degree in Computer Science from ITT Technical Institute and is proficient in various software programs, operating systems, and security utilities.

1. Richard Gonzalez
8335 Freedom Crossing Trail #2608, Jacksonville, Florida 32256
Phone: 904-859-9689 e-mail: rltchie@comcast.net
OBJECTIVE
Committed to providing quality services while maximizing my
resourcefulness with a high degree of ethical standards.
EXPERIENCE
2012-Present Bank of America
Sr. Fraud Analyst
Review and analyze ATM/online banking/ACH/Wire transactions to
determine if fraud exist.
Coordinate and assist on proposed decisions and actions to be taken as a
result of a fraud investigation.
Prepare and document review findings in a concise, understandable manner.
Keep and maintain findings in departmental database for data mining and
identification of trends and patterns.
Execute and perform client service which includes client calls, transaction
processing, inquiry response/ research, account maintenance and
analyzing customer questions, requests and problems.
Stay current with emerging fraud schemes and make recommendations for
detection and prevention processes in order to reduce risk.
Knowledgeable of the laws applicable to money laundering, including the
Bank Secrecy Act, the USA PATRIOT act, US Treasury AML guidelines,
OFAC requirements, and Suspicious Activity Reporting requirements.
2010-2012 Bank of America/Merrill Lynch Wealth Management
Financial Advisor Support Team Specialist
Assist and Support Banking Advisors with Banking requests.
Conductaccount maintenance on client accounts as requested per Client and
Financial Advisors.
Provide excellent customer service via support systems such as email, phone
and fax.
2006-2010 Tropical Financial Credit Union
e-Commerce Support Representative
Conduct department training sessions. on how to use our ssytems.
Extensive troubleshooting, problem resolution, and addressing member
concerns for technical issues.
Assist in maintaining internal sample databases needed for support testing,
as well as retrieve and administer client datanecessary fortroubleshooting
escalated issues.
Provide excellent customer service via support systems such as email, phone
and fax.
Process internal reports regarding electronic administration reviewed by
management.
2003–2006 Tropical Financial Credit Union
Indirect Lending Coordinator

2. 2
 Process internal new loan requirements such as opening accounts.
 Audit all paperwork for eligibility and qualifications for loan
disbursement.
 Provide weekly and monthly reports to Department Manager.
 Track recorded Mortgage and Title Policies for Loan Quality department.
2001–2003 Tropical Financial Credit Union
Quality Assurance/Audit Specialist
 Verify and examine closed consumer loans for compliance.
 Track recorded Mortgage and Title policies and file accordingly.
 Report monthly error ratios to Department Manager.
1996–2001 Tropical Financial Credit Union
ATM Assistant Coordinator
 Coordinate daily functions for the department.
 Supervise, motivate, and evaluate 15 employees.
 Provide monthly reports to Department Manager
EDUCATION
2003–2005 ITT Technical Institute Miami, Florida
Associates in Computer Science
 Windows NT/CE/98/2000/2003/XP/Vista/7 , Linux
 Cisco routers/Voip
 Microsoft Office Suite (Word, Excel, PowerPoint, Access, Outlook)
 Frontpage/Dreamweaver
 Norton/McAfee/Symantec Virus Protection Utilities
 HTML and XML
 Sharepoint