Luz Moss

Bilingual (English/Spanish) Collections and Account Management professional with over 10 years of experience in financial services, credit unions, and third-party agencies. Proven record managing high-volume call center operations, skip tracing, and negotiating delinquent accounts. Adept with auto-dialer systems, collections software, and compliance with FDCPA and industry regulations. Excels in fast-paced remote environments and cross-functional collaboration with legal teams and attorneys.

Remote Bilingual Collections Specialist at TRANSWORLD SYSTEMS INC. (2023-10 – 2025-01)

• Managed inbound/outbound calls via auto-dialer on past-due accounts.
• Secured payments through customer service and debt resolution tactics.
• Maintained compliance with FDCPA and internal call quality metrics.
• Collaborated with legal teams on escalated accounts.

Account Manager III, Bilingual at AQUA FINANCE & CONEXUS CREDIT UNION (2007-08 – 2023-04)

• Handled delinquent accounts, skip traced using TLO and databases.
• Ensured full regulatory compliance under FDCPA and UDAAP guidelines.
• Prepared and reviewed reports on collections activity and bankruptcy statuses.
• Communicated with customers to resolve disputes and arrange settlements.

Collections Agent at UNITED RECOVERY SYSTEMS (2013-06 – 2013-10)

• Conducted outbound and inbound calls via predictive dialer system.
• Negotiated repayment terms for past-due credit accounts.
• Maintained updated contact and credit information for reporting.
• Exceeded monthly collection goals using consultative call techniques.

El Paso Community Collegue