Experience

The Effort Trust Company

• Canada
• Banking
• 100 - 200 Employee

• Financial Service Representative

  • Jul 2022 - Present

  Hamilton, Ontario, Canada Responsible for preparing, processing and administering all investment products such as: Savings, Chequing and Business Accounts, GICs, RSPs, and RRIFs which include renewals, principal and interest payments, savings, and investment statements. Responsible for processing Deposit Agent commissions, processing estate transactions and processing re-registrations. Understand and apply bank policies and procedures as they relate to Anti-Money Laundering (AML) and Anti-Terrorist… Show more Responsible for preparing, processing and administering all investment products such as: Savings, Chequing and Business Accounts, GICs, RSPs, and RRIFs which include renewals, principal and interest payments, savings, and investment statements. Responsible for processing Deposit Agent commissions, processing estate transactions and processing re-registrations. Understand and apply bank policies and procedures as they relate to Anti-Money Laundering (AML) and Anti-Terrorist Financing (ATF) to ensure documentation requirements are being adhered to. Responsible for maintaining relationships with the Deposit Agents and processing all transactions ensuring due diligence procedures are being followed. Responsible for duties relating to bank account clearing on a daily basis. Show less



TD

• Canada
• Banking
• 700 & Above Employee

• Personal Banking Associate

  • Jun 2019 - May 2022

  Hamilton, Ontario, Canada •Focused on advising clients with step-by-step process of helping them rebuild and re- establish their credit history through the credit financial instruments. Effectively engage and communicate with clients by demonstrating strong product knowledge and by translating complex financial terms to better their day to day banking •Increased customer financial confidence by providing personalized financial advice, answering customer questions, and addressing their… Show more •Focused on advising clients with step-by-step process of helping them rebuild and re- establish their credit history through the credit financial instruments. Effectively engage and communicate with clients by demonstrating strong product knowledge and by translating complex financial terms to better their day to day banking •Increased customer financial confidence by providing personalized financial advice, answering customer questions, and addressing their concerns •Worked closely with existing and prospective customers to provide financial reviews, discuss portfolio updates and suggest additional personalized solutions based on their financial goals •Knowledgeable about evolving regulations and industry codes of conduct as well as participate in process improvement opportunities to protect the interests of the organization •Strive to achieve and improve service level agreements and productivity targets •Ensure documents are prepared consistent with relevant regulations and in a way properly reflecting business intention •Wide knowledge in the Estate process. I guided the executor with all the process until the end •Participated fully as a team member, help build a positive and diverse work environment, willingly assist and mentor others in the completion of work activities, and address communication issues efficiently

• Customer Experience Associate

  • Aug 2017 - Jun 2019

  Hamilton, Ontario • Processing financial transactions such a deposit, withdrawals, cashing cheques, bill payment, cheque draft and transfers in an accurate and efficient manner. • Assisted with customer problems and handled appropriately, escalating issues when is necessary • Ensured continuous delivery of legendary customer service • Engaged customers in conversation to understand and meet their current and future financial needs • Contributed to the timely and accurate completion of branch… Show more • Processing financial transactions such a deposit, withdrawals, cashing cheques, bill payment, cheque draft and transfers in an accurate and efficient manner. • Assisted with customer problems and handled appropriately, escalating issues when is necessary • Ensured continuous delivery of legendary customer service • Engaged customers in conversation to understand and meet their current and future financial needs • Contributed to the timely and accurate completion of branch administration work • Achieved an excellent daily balancing record of zero shortages • Helped account holders access technology to enhance banking convenience via multiple self service channel • Exceed sales goal at 115% and 102% two consecutive quarters • 2 nd place in the branch for number of referrals during second quarter 2018



Mercantil Banco

• Venezuela
• Banking
• 700 & Above Employee

• Branch Manager

  • Apr 2005 - Mar 2014

  Venezuela • Provided personal financial counseling, assisted with lending services ensuring the accuracy and timely processing the goals under policies, practices and procedures of the financial institution • Analyzed financial statements to determine creditworthiness of prospective and existing clients. • Recognized new business opportunities as well as driven and maintained a portfolio of clients • Managed and monitored an assigned commercial real estate loan portfolio of $ 20MM, including… Show more • Provided personal financial counseling, assisted with lending services ensuring the accuracy and timely processing the goals under policies, practices and procedures of the financial institution • Analyzed financial statements to determine creditworthiness of prospective and existing clients. • Recognized new business opportunities as well as driven and maintained a portfolio of clients • Managed and monitored an assigned commercial real estate loan portfolio of $ 20MM, including annual reviews, periodic site visits, resolving payment, and making recommendations on requests for loan modifications, renewals and extensions, based on credit and financial factors. • Develop a network of small business clients that repeatedly did business with the bank • Evaluated and recommend commercial loans up to $ 1.000.000 and personal loans up to $ 500.000 • Coordinated and handled a customer services representative team who exceeded cross sell by 30% over three semestres consecutively • Scheduled meetings every month with the staff of the branch to evaluate goals and take action to improve selling strategies. Show less



Banco Exterior

• Venezuela
• Banking
• 700 & Above Employee

• Financial Advisor

  • Feb 1999 - Mar 2005

  Venezuela • Processed customer trasactions using computerized methods, accurately recorded financial trasactions, and generated receipts. • Balanced currencies and checks, as well as calculated end of shift transactions daily • Helped new and existing customers open personal accounts , resolved issues related to online banking services as well as refer customers to other departments to promote related products and expand customer relationships • Increased my credit portfolio of new customers by… Show more • Processed customer trasactions using computerized methods, accurately recorded financial trasactions, and generated receipts. • Balanced currencies and checks, as well as calculated end of shift transactions daily • Helped new and existing customers open personal accounts , resolved issues related to online banking services as well as refer customers to other departments to promote related products and expand customer relationships • Increased my credit portfolio of new customers by approximately 40% • Negotiated interest rates of loans as well as term and charges of approximately 25 clients monthly by using effective business techniques • Analyzed financial statements of commercial customers and evaluated risk capacity; sold appropriate credit products which exceeded customer expectations with speed and professionalism • Developed reports and other analytical tools in Word and Excel Show less