Julie Ricks
Bowling Green,MO
Summary
- Knowledgeable on Citi's approach to managing risk, and have memorized how it relates to my role and responsibilities.
- Dedicated to Identifying the risks that arise in every situation.
- Ensure controls are operating in compliance with prescribed policies and procedures, including the Code of Conduct, as well as applicable laws, rules and regulations and take action in remediating them when they are not.
- Own the accuracy of the data I am responsible for and comply with applicable data governance standards.
- Promptly escalate issues regarding, but not limited to, people, processes and products and resolve in a timely fashion.
- Hands-on, client-oriented banking professional able to implement creative investment strategies.
- Dedicated to continuous improvement of modeling and statistical analysis.
- Results-oriented investment banking professional adept at managing competing priorities to accomplish challenging goals.
- Knowledgeable about compliance issues and legal concerns.
- Able to bring in new business and maximize success rates.
- Diligent banking professional with unsurpassed attention to detail and superior ethics.
- Focused on balancing customer needs with bank security requirements and sales targets.
- Knowledgeable about regulatory requirements and protection protocols.
Overview
21
21
years of professional experience
Work History
Assistant Vice President Digital Channel Sr Analys
Citibank
O'Fallon, MO
02.2013 - Current
- Conducted regular staff meetings to discuss progress on projects and initiatives.
- Identified areas for improvement within the organization and developed strategies for addressing them.
- Collaborated with upper management to create long-term business plans.
- Developed and implemented annual operating plans for the division.
- Monitored departmental performance metrics to ensure objectives were met or exceeded.
- Provided guidance, support and direction to subordinates in order to achieve organizational goals.
- Created and maintained a positive working environment through effective leadership practices.
- Ensured compliance with established policies, procedures and regulations.
- Coordinated activities between departments to maximize efficiency of resources.
- Resolved conflicts between staff members while maintaining professional relationships.
- Analyzed financial statements to determine potential risks and opportunities for growth.
- Facilitated communication between internal stakeholders regarding project updates and changes.
- Performed research into new technologies that could benefit the company's operations.
- Prepared reports outlining progress on projects, budgets, staffing needs.
- Worked closely with other executive team members on strategic planning initiatives.
- Served as a liaison between the organization and external partners and vendors.
- Evaluated existing processes for effectiveness and recommended improvements when necessary.
- Managed vendor contracts ensuring all terms were fulfilled in a timely manner.
- Assisted in developing training materials for employees across various departments.
- Maintained up-to-date records of personnel files including performance reviews, disciplinary actions.
- Supported senior leadership by reviewing and prioritizing strategic initiatives.
- Networked within communities to identify and capitalize on business opportunities.
- Mitigated business risks through frequent threat assessments and proactive action plans.
- Delegated tasks to comprehensively manage administrative projects and align with established objectives.
- Spearheaded office renovation and expansion and oversaw time and budget requirements.
- Worked with regulatory representatives to complete accurate filings and maintain compliance.
- Planned and coordinated risk mitigation strategies to protect company assets.
- Generated reports and financial sheets necessary for annual budget development and goal setting.
- Collaborated with senior management to ensure adherence to credit union policies and functions.
- Documented meeting minutes and created detailed records of project updates.
- Compiled operational and risk reports detailing financial metrics to help management make proactive decisions.
- Recruited and retained new members through image rebranding and targeted marketing campaigns.
- Liaised with leadership teams to drive initiatives and contributed to weekly policy change meetings.
- Managed executive team travel arrangements and oversaw meeting logistics.
- Executed swift and timely resolution and follow-up.
- Drafted responses to incoming correspondence on behalf of senior leadership.
- Developed online portal and spearheaded implementation of new communication-centered technology.
- Raised capital by building partnerships with investors and maintaining strong stockholder relationships.
- Evaluated budget plans and current costs to project trends and recommend updates.
- Supported all board members in administrative management, planning and policy assistance.
- Reduced facility management expenditures by revamping budget and communications initiatives.
- Reviewed applications against established parameters to determine approval, rejection or modification requirements.
- Collaborated with board of directors to address update and implementation of new governance policy.
- Streamlined process for recording meeting minutes and implemented paperless reporting.
- Led startup and creation of operational procedures and workflow planning.
- Cultivated and maintained industry relationships and customer partnerships to capitalize on opportunities and maximize business success.
- Monitored business trend forecasts and adjusted budgets and operational plans to maximize growth and opportunities.
- Communicated with industry partners to build valuable relationships and achieve operational targets.
- Delivered speeches and attended industry conferences to promote company image and engage with buyers.
- Devised effective business strategies to capitalize on emerging market trends.
- Orchestrated successful team and customer events to drive engagement, satisfaction and loyalty.
- Created program to promote new managers from within, leading to cohesive leadership structure.
- Revitalized business plans and realigned company objectives to increase overall profits.
- Organized and oversaw capital improvement projects to maintain business viability.
- Implemented company's distribution and import initiatives, administering contracts and engaging partners to significantly maximize profit margins.
- Expanded company sales and service reach beyond traditional continental boundaries, beginning transformation from regional to global organization.
- Emphasized and required people-centered leadership to promote employee value and respect.
- Determined appropriate budgets and administered expenditures.
- Implemented robust policies and organizational structures to underpin successful expansion and drive continuous growth.
- Balanced organizational and employee needs when developing fair and equitable human resources policies.
- Controlled business direction changes and provided support during restructurings.
- Led complete review of operational costs and potentially wasteful practices, resulting in minimal cost increases as company headcount and business volume skyrocketed.
- Hired new managers to drive sustainable business growth.
- Spearheaded rollout of new marketing plan, enabling organization to successfully and profitably adapt to changing market conditions.
- Drove business development by pursuing partnerships, funding and revenue streams.
- Guided transition of growing company from privately-held to publicly-traded with expert help from specialized consultants before and during process.
- Built global staff consensus to support potentially unpopular decisions on unit closures and changes in market direction away from long-time outdated niches.
- Used excellent verbal skills to engage customers in conversation and effectively determine needs and requirements.
- Completed thorough opening, closing and shift change functions to maintain operational standards each day.
- Prepared staff work schedules and assigned team members to specific duties.
- Delegated work to staff, setting priorities and goals.
- Provided leadership, insight and mentoring to newly hired employees to supply knowledge of various company programs.
- Monitored inventory levels and placed new orders for merchandise to keep supply well-stocked.
- Used strong issue resolution and communication skills to cultivate and strengthen lasting client relationships.
- Formed and sustained strategic relationships with clients.
- Reviewed financial statements and sales or activity reports to measure productivity or goal achievement.
- Implemented successful business strategies to increase revenue and target new markets.
- Appraised inventory levels on frequent basis, ordering new merchandise to keep quantities well-stocked.
- Created effective business plans to focus strategic decisions on long-term objectives.
Bank Manager
People's Bank & Trust
Troy, MO
08.2003 - 02.2013
- Developed and implemented strategies to increase customer satisfaction ratings.
- Conducted quarterly performance reviews for branch employees.
- Created and maintained a positive work environment within the branch.
- Analyzed financial data to identify trends and opportunities for improvement.
- Prepared monthly reports on branch operations and submitted to corporate office.
- Provided guidance and training to team members in order to ensure proper procedures were followed consistently.
- Performed daily audits of cash drawers, deposits, withdrawals, transfers.
- Reviewed customer complaints and took appropriate action as needed.
- Evaluated new products for suitability within the bank's offerings.
- Coordinated with other branches to ensure smooth operation across all locations.
- Resolved customer inquiries quickly and efficiently while maintaining excellent service standards.
- Assisted customers with account openings, closings, transfers, payments.
- Maintained strict confidentiality of customer information at all times.
- Ensured compliance with banking laws and regulations through periodic review of internal policies.
- Identified areas of operational weakness or potential fraud risks in the bank's systems.
- Conducted regular meetings with staff members to discuss progress towards goals.
- Developed marketing plans for new products and services offered by the bank.
- Participated in community events related to banking services provided by the bank.
- Investigated suspicious transactions that could be linked to money laundering activities.
- Provided first-rate customer service by identifying and addressing customer concerns and inquiries.
- Created sales action plans to consistently meet employee retention, profit, customer experience and lending goals.
- Directed team members in authorizing loans and opening checking and savings accounts.
- Developed and implemented sales and marketing strategies to align with annual sales initiatives.
- Explained benefits of various investment options to help customers fulfill personal investment goals.
- Processed and approved international and domestic wire transfers, cashed checks and posted deposits and withdrawals.
- Examined markets to inform customers on profitable purchases and financial opportunities.
- Conducted weekly consultative sales meetings with prospects and clients to drive deposit growth.
- Delivered associate performance evaluations to determine merit increases and bonus amounts.
- Analyzed products and policies and recommended changes to maximize profitability.
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
- Maintained regular performance appraisals for subordinates through verbal, written and on-going review programs.
- Created and updated financial reports on frequent basis to present information to leadership teams.
- Analyzed actual financial results to budget, preparing variance reporting to functional groups.
- Managed relationships with tax authorities, bankers and auditors.
- Coordinated approval or rejection of lines of credit or commercial, real estate or personal loans.
- Created financial management mechanisms to minimize financial risk to business.
- Checked payroll, vendor payments and other accounting disbursements for accuracy and compliance.
- Coordinated preparation of external audit materials and external financial reporting.
- Recommended new financial and accounting software packages. replacing various non-integrated offerings.
- Prepared internal and regulatory financial reports, balance sheets and income statements.
- Consolidated business data into actionable metrics to simplify and highlight areas of concern and opportunity.
- Built financial models to allocate resources, forecast cash and investment needs and make capital budgeting decisions.
- Analyzed competitors and market trends to facilitate business growth.
- Invested funds and recommended appropriate dividend issuances based on historical dividend patterns and expected cash flows.
- Developed or analyzed information to assess current or future financial status of firms.
- Developed invoicing systems and internal controls to boost billing efficiencies.
- Communicated with stockholders or other investors to provide information or raise capital.
- Conducted reviews and evaluations for cost-reduction opportunities.
- Used hedging to mitigate financial risks related to interest rates on company's borrowings.
Education
Winfield High School
Winfield, MO05-2023
Skills
- Remote Office Availability
- Flexible and Adaptable
- Organization
- Multitasking
- Customer Service
- Data Management
- Maintenance & Repair
- Team Management
- Problem-Solving
- Quality Assurance
- Task Prioritization
- Analytical and Critical Thinking
- Planning
- Conflict Resolution
Timeline
Assistant Vice President Digital Channel Sr Analys
Citibank
02.2013 - Current
Bank Manager
People's Bank & Trust
08.2003 - 02.2013
Winfield High School