Sezamina Karedia

Financial services professional with 3+ years of experience across fraud prevention and collections. Experienced in investigating suspicious activity, mitigating financial risk, managing delinquent accounts, and negotiating payment solutions while meeting quality and performance targets.

Store Assistant - 79 Express - Taylor, TX

(2026-01)

• Support daily store operations, including POS transactions, cash handling, fuel sales, and customer service.
• Process financial transactions accurately and assist with register reconciliation.
• Monitor transactions and store activity while following security and loss-prevention procedures.
• Tracked inventory discrepancies in tobacco and lottery products and reported findings to the shift manager.
• Verified age identification for restricted purchases and declined transactions that did not meet legal requirements.

Digital Fraud Officer - Royal Bank of Canada (RBC) - Canada

(2023-04 - 2024-10)

• Investigated suspicious activity involving online banking, credit cards, account takeovers, identity theft, unauthorized transactions, and various fraud and scam typologies.
• Reviewed client account activity and transaction information to identify suspicious patterns, assess fraud risk, and determine appropriate preventative action.
• Managed a high volume of inbound fraud cases and calls, making timely risk-based decisions to secure compromised accounts and prevent or minimize financial loss.
• Conducted detailed fraud investigations while maintaining accurate case documentation and adhering to established fraud policies and procedures.
• Consistently met productivity, quality, accuracy, and Average Handling Time (AHT) targets in a fast-paced fraud operations environment.
• Identified emerging fraud and scam trends and educated clients on phishing, identity theft, account security, and fraud-prevention practices.
• Applied appropriate account restrictions, security measures, and escalations based on investigation findings and assessed risk.
• Collaborated with internal fraud, risk, and banking teams to resolve complex cases and protect client accounts.

Inbound Resolution Officer - Royal Bank of Canada (RBC) - Canada

(2022-12 - 2023-04)

• Negotiated payment arrangements on late-stage collection accounts via inbound calls.
• Evaluated delinquent accounts and prepared documentation for write-offs, repossessions, and liens.
• Resolved escalated collection cases while ensuring full compliance with financial regulations.
• Documented collection activities and payment commitments with precision in client accounts.
• Assessed risk levels on flagged accounts and initiated temporary holds to prevent further financial loss.

Collections Agent - Royal Bank of Canada (RBC) - Canada

(2021-04 - 2022-12)

• Managed delinquent accounts across mortgages, loans, credit cards, vehicle loans, and personal deposit accounts.
• Reviewed account and financial information to assess customer circumstances, risk, and appropriate recovery actions.
• Negotiated payment arrangements and settlements while balancing client needs with financial risk.
• Recommended escalation, legal action, repossession, or write-off when appropriate and maintained accurate account documentation.

Inside Sales Representative - Nordia - Toronto, Canada

(2020-10 - 2021-04)

• Managed high-volume inbound customer calls and identified individual customer needs.
• Recommended appropriate products and services using effective questioning and needs analysis.
• Worked toward established sales, customer service, and performance targets.
• Closed upsell and cross-sell opportunities by analyzing account activity and product fit during service calls.

Debt Collection Officer - Bell Canada & Capital One - Total Credit Recovery - Toronto, Canada

(2019-11 - 2020-10)

• Managed delinquent customer accounts and established appropriate repayment arrangements.
• Investigated account concerns and disputes while maintaining professional customer communication.
• Maintained detailed and accurate documentation of account activity, conversations, and payment commitments.
• Followed established collection policies and procedures while consistently working toward performance objectives.

Bachelor of Commerce - University of Mumbai (2014 - 2017)