CHRISTI SMITH
Hampton,VA
Summary
A skilled and dedicated professional with over 15 years of experience in the financial industry with an expertise in leadership. Experienced in international finance working in Germany for six years and England for four.
Excellence in balancing ledgers to include recovering lost money due to erroneous entries and computer complications. In doing so significant losses have been avoided during my career. I have held a supervisory position for over six years and am capable of overseeing all aspects of staff supervision including development. Regularly fulfilled managerial role at both Community Bank branches I had the honor to work at without incident. I possess excellent customer service skills; it is my personality to ensure customers receive outstanding service and the products that best suit their needs. In ten years of combined employment at the Community Bank branches, I received an abundance of positive customer comment cards. Upon my departure I was given great letters of recommendation.
Most recently transferring to the credit union side of finance I've had the pleasure of working in both the front and back office. I have become an expert in shared branching, giving members from all over the United States the ability to remain in access to their money at a different location in a different state. I worked for the only credit union in Bay County that offers this service.
Overview
14
14
years of professional experience
Work History
Financial Services Representative II
Innovations Federal Credit Union
Panama City, FL
09.2015 - 03.2019
- Opened, closed, and updated both personal accounts and business accounts. Ensured members were efficient in properly reconciling any discrepancies on monthly statements.
- Prepared official checks, money orders, and certified checks.
- Received checks and cash for deposits, verifying amounts and checking accuracy of deposits from night drop, drive thru, atm, and bulk deposits.
- Prepared official checks, money orders, and certified checks. Managed supply orders for such items.
- Secured funds with careful attention to Credit Union policies and branch limits. Managed efficient deposits, plan contributions, and supply purchases for checks or new cards. Vault and atm custodian.
- Ensured all transactions were documented and recorded properly in quickbooks to uphold recordkeeping requirements. Documented, researched, and resolved customer service issues.
- Corrected problems with teller operations by proactively examining activities, results and applying retraining as necessary.
- Balanced currency, coins, and checks from cash drawer, and vault daily. Performed monthly bulk counts, quarterly piece counts on cash dispensers, ATM's and surprise counts in accordance to compliance. Ran end of day reports to balance against general ledger account.
- Responded promptly to members, vendors, and accounting to quickly resolve issues, cultivating strong, long-term relationships. Delivered exceptional service with friendly approach to retain and acquire members.
- Answered numerous inbound calls, member inquiries, account transfers, telephonic wires, billing questions, payments, and service requests. Researched and resolved member issues on personal savings, checking, and lines of credit accounts.
- Identified fraud based transactions, completed and filed EFT claims. Provided members with provisional credits/debits. Captured, block and reissued instant issue debit cards. Proactively coached members on future fraud behavior and transaction markers to be aware of.
- Contributed to inventory accuracy with regular counts and records audits.
- Identified issues and implemented prompt and successful solutions to eliminate backlog and maximize workflows.
- Reconciled general ledger accounts and reported issues to management.
- Investigated discrepancies and provided resolutions as required.
- Checked figures, postings, and documents for correct entry, mathematical accuracy, and offsets...
- Resolved accounting discrepancies with critical thinking and thorough research.
Membership Services Representative
Central Credit Union of Florida
Panama City, FL
09.2014 - 09.2015
- Strong knowledge of the philosophy of credit unions, bylaws and procedures to comply with the requirements of
- BSA
- Excellence in navigating the Symtar system with complete training in shared branching or Co-op
- Handling all monetary transactions to include members in our lobby, telephonic requests, drive thru, by mail, and night deposit with balancing being of most importance
- Selling of financial papers that are offered to our members
- Cross selling credit union products and services, while projecting a professional and positive image of the credit union
- Working knowledge of member services, shadowing the opening of accounts, reordering, activating and repining of debit cards
Teller I/Chief Teller
D.O.D. Community Bank
Kaiserslautern
08.2007 - 12.2013
- Supervise Tellers including technical, disciplinary and associate development by defining clear goals and objectives
- Running all daily reports for end of day balancing and ensuring work is prepared and accurate to be delivered to items processing
- Full knowledge of end of day balancing and an expert at finding outages for fellow tellers
- Train tellers that have been selected by my manager for open positions
- Making sure they have adequate understanding of all policies and procedures to assist in protecting the assets of the company
- Ensures adherence to all security measures as well as performing quarterly surprise cash counts on all tellers, vault and ATMs in a manner that does not show trending
- Executes and supervises all dual control functions
- Maintains all needed currency and financial paper to include Dollars, Euros, Swiss Francs, Swedish Krona,
- Norwegian Krona, and British Pounds
- Basic knowledge of customer service side to include ordering debit cards, standing payment orders, stops and holds, 5/3rd system and customer queries about accounts products and services
- Maintain and monitor accurate and complete records, log, and files and assumes record retention responsibility
- Fulfils supervisory position by replacing banking center manager on a regular weekly basis and for vacations.
Teller III/Teller I
D.O.D Community Bank
Fairford, United Kingdom
05.2004 - 01.2007
- Downloading exchange rates, and changing signs in lobby according
- Making sure there are ample supplies needed for customer transactions for the day, and ensuring the lobby is clean and inviting
- Completing tasks requested through email, with proper correspondence, and completing the time and attendance for the day
- Maintaining all needed currency and financial paper to include Dollars, British Pounds, Swiss Francs, Swedish
- Krona, Norwegian Krona, and Euros
- When ordering money taking into consideration the branches daily limit all while maintaining enough funds for customer needs, organizational accounts and funding 2 ATMs
- Updating all changes to monies and financial instruments in the inventory
- Daily balancing of cash drawer, petty cash, vault and ATMs without incident
- Alarm checks and call outs according to the guidelines given by the companies policy and procedures
- Training of all new tellers to include basic teller skills and cross selling
- Full knowledge of end of day balancing procedures
- Running daily reports for end of day balancing and ensuring work is prepared and filed properly for work to be delivered to items processing
- Basic knowledge of customer service side to include ordering debit cards, standing payment orders, stops and holds, 5/3rd system and customer queries about accounts products and services.
Education
GED -
Maine High School
Augusta, MELovejoy High School
Hampton, GASkills
- Financial & Operations Management
- Philosophy of Credit Unions
- Customer Service both written and verbal
- Quality Assurance, Attention to Detail, Process Improvement
- Data, Typing and 10-Key Entry
- Auditing and Compliance
- Shared branching
- International Finance/Currency Exchange
- Transaction Error Identification, Discrepancy Resolution
- Multitasking Abilities, Prioritizing and Planning Time Management
Timeline
Financial Services Representative II
Innovations Federal Credit Union
09.2015 - 03.2019
Membership Services Representative
Central Credit Union of Florida
09.2014 - 09.2015
Teller I/Chief Teller
D.O.D. Community Bank
08.2007 - 12.2013
Teller III/Teller I
D.O.D Community Bank
05.2004 - 01.2007
GED -
Maine High School
Lovejoy High School