Rosa Ruiz
Philadelphia
Summary
Financial professional with 17 years of experience, adept in financial product knowledge and client relationship management. Excelled in boosting sales and customer satisfaction, evidenced by leading sales techniques and mentoring teams. Exceptional interpersonal skills in exceeding banking operational goals. Specializing in prioritizing and executing tasks in fast-paced environments. Experienced in reviewing suspicious activities and uncovering frequent fraud. Detail-oriented in reviewing data and identifying impactful trends to the company. Assessed daily credit card batches as a teller. Tech-savvy in use of accounting and financial institution software.
Overview
17
17
years of professional experience
Work History
Assistant Branch Manager
Citizens Bank
05.2022 - Current
- Supported the Branch Manager with daily tasks, ensuring smooth branch functioning and effective communication amongst team members.
- Trained and developed new team members in alignment with branch service standards and objectives.
- Monitored daily branch activities, quickly identifying areas requiring improvement or corrective action to maintain operational excellence.
- Oversaw successful completion of internal audits with minimal findings, demonstrating strong adherence to bank policies and regulations.
- Responded to customer concerns, working with manager to significantly raise customer satisfaction ratings.
- Reviewed credit applications for risk factors and credit worthiness.
- Managed risk effectively through strict adherence to compliance guidelines, minimizing financial losses due to fraud or errors in transactions.
- Collaborated with other departments within the bank to resolve complex issues efficiently, ensuring seamless service delivery to customers.
- Improved teller accuracy by implementing standardized cash handling procedures and conducting regular audits on cash drawers.
Personal Banker
Citizens Bank
02.2020 - 05.2022
- Assist customers with new services or closing accounts and complete loan applications.
- Promote financial services by offering excellent product knowledge.
- Work closely with management to strategize sales techniques to increase branch production and customer service.
- Conduct detailed financial reviews for business clients to sell appropriate products to fit clients needs.
- Approach prospective clients listed on salesforce leads by calling to schedule checkup appointments.
- Always follow policy and procedure and keep up with operational updates to ensure audit readiness within all colleagues.
Senior Bank Teller
Citizens Bank
06.2015 - 02.2020
- Identified potential needs through observation, questioning and listening and provided customers with appropriate literature on banking products and services they may benefit from.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- ATM custodian- Performed weekly settlement for 3 ATMs and ordered cash to replenish canisters.
- Main vault cash custodian- Counted, verified and handled bank deposits and armored car transactions.
- Mentored newly hired team members.
- Maintained friendly and professional customer and colleague interactions.
- Always made sure all tellers were following policy and procedure and kept up to date with operational updates.
Sales and Service Specialist
Bank Of America
10.2007 - 05.2011
- Greeted and listened to customer needs and desires to identify and recommend optimal products.
- Offered each customer top-notch, personal service to boost sales and customer satisfaction.
- Used product knowledge, sales abilities and customer relations skills to drive substantial sales increases.
- Served as backup Teller when needed.
Education
Business Administration
Penn State University
Abington, PASkills
- Teller auditing: Daily Balancing, Finding and correcting teller differences
- Bank Auditing: implementing and following branch policies and procedures ( my branch passed every Bi-yearly surprise audit)
- ATM weekly Settlement: Balancing individual atm receipts and correcting differences such as overages and shortages
- Financial product knowledge
- Loan application expertise
- Client relationship management
- Cash Handling
- Sales expertise
- Banking operations knowledge
- Bilingual- English and Spanish
- PA Notary Public: experienced mainly in notarizing certified loan documents
References
Upon Request
Timeline
Assistant Branch Manager
Citizens Bank
05.2022 - Current
Personal Banker
Citizens Bank
02.2020 - 05.2022
Senior Bank Teller
Citizens Bank
06.2015 - 02.2020
Sales and Service Specialist
Bank Of America
10.2007 - 05.2011
Business Administration
Penn State University
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