Dividend -Skip Tracing Specialist

Fifth Third Bank; Cincinnati (OH); On-site; USD 42,000 - 60,000; Full time

Job summary

Fifth Third Bank in Cincinnati seeks a dedicated Dividend -Skip Tracing Specialist to contact delinquent customers using skip tracing tools and reduce losses across priority accounts.

The role requires 3–4 years in collections or customer service, strong communication, and the ability to work independently within a banking environment. You will coordinate with legal, compliance, and servicing teams and document all interactions for risk management.

Qualifications

• 3–4 years of collections and customer service experience required.
• Strong written and verbal communication skills.
• Proficiency in Microsoft Office; Salesforce experience preferred.

Responsibilities

• Communicates with late-stage delinquent customers via outbound calls/emails/texts to resolve delinquency and reduce losses.
• Handles inbound customer calls/emails/texts related to delinquency, hardship, complaints, or loan issues.
• Communicates with third-party servicers for account changes or required adjustments.
• Discusses escalated issues with customers via phone or email to resolve complaints.
• Performs skip tracing activities to locate and contact delinquent customers.
• Documents all customer interactions with clear notes and records.

Skills

Customer service

Collections

Communication

Microsoft Office

Bilingual Spanish

Education

High School diploma or equivalent

Tools

Salesforce

Job description

Make banking a Fifth Third better® We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank.

Make banking a Fifth Third better® We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank. This will be a dedicated skip tracing role, where collections calls and activities will still be a part of the role, but extensive skip tracing will be required daily on priority accounts and will leverage approved skip tracing tools to generate customer contact. We are looking for someone who has 1-2 years of dedicated Collections Skip Tracing experience or similar function (example: fraud investigations)

General Function

The LSR-III Skip Tracing Specialists work hand-in-hand across multiple departments including legal, compliance, operations, customer support and servicing. Providing the highest quality customer service while working with our customers to identify and remedy any issues that may arise.

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues and ensuring that actions and behaviors drive a positive customer experience. Operating within the bank’s risk appetite, you will achieve results while consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

Essential Duties & Responsibilities

• Communicates with late-stage delinquent customers via outbound collection calls/emails/texts to resolve delinquency and reduce losses; recommends appropriate payment programs where applicable to assist customers experiencing a financial hardship
• Promptly handles inbound customer calls/emails/texts directly or transferred from third-party sub-servicer related to delinquency, hardship, complaints, system shut-off, or loan assumptions
• Communicates as necessary to third-party servicer account changes or required adjustments
• Confers with existing customers by telephone and/or email in an attempt to resolve escalated complaint issues not related to product/contractor performance
• Performs skip tracing activities as needed to locate and contact delinquent customers
• Document all customer interactions/account activities with concise and detailed account notes
• Adhere to all Dividend policies and procedures, including State and Federal collection regulations
• Other projects and duties as assigned

SUPERVISORY RESPONSIBILITIES:

None

Minimum Knowledge & Skills Required

• High School diploma or equivalent
• 3-4 years of Collections and Customer Service Experience
• Strong organizational skills and attention to detail
• Excellent written and verbal communication skills
• High-level proficiency in Microsoft Suite
• Ability to multitask, prioritize projects, and report to several managers
• A high level of enthusiasm, collegial attitude, and a willingness to perform a wide range of tasks
• Ability to work independently as well as collaboratively
• Desire to work in an entrepreneurial but highly professional culture
• Experience with Salesforce preferred
• Bilingual- Spanish preferred

Dividend -Skip Tracing Specialist

At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.

The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and/or individual performance.

Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being. You can learn more about those programs on our 53.com Careers page at: https://www.53.com/content/fifth-third/en/careers/benefits.html or by consulting with your talent acquisition partner.

LOCATION

Cincinnati, Ohio 45227

Attention search firms and staffing agencies: do not submit unsolicited resumes for this posting. Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third. Any unsolicited resumes – no matter how they are submitted – will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.