Adina Toma
Myrtle Beach,SC
Summary
Goal Oriented Leader with over 11 years in Retail Banking/Customer Service environment. Proven experience in leading a team by influencing and strategically planning behaviors that leads to goal achievement. Able to identify strength and opportunities and provide coaching for a better solution. Focus on being operationally sound and act as a franchise owner to increase customer base. Financial Crime Risk Investigator II that has proven a fast grow in the AMLI and solid knowledge and adaptable to new procedures and ongoing changes and Policies that has proven to a fast learner and shown a great contributor in the AMLI projects such as One Touch and a solid understanding in conducting reviews and SARs in a short time frame.
Overview
13
13
years of professional experience
Work History
Financial Crimes Risk Investigator II
One Touch
08.2025 - Current
- As a contributing member of the One Touch Pilot, I have conducted end to end investigations, helped create the Job Aids and procedures for the program, whilst conducting various complex case related to potential money laundering, terrorist financing and other illicit financial crimes.
- Currently leading by example in my team and training new investigators, ensuring regulatory compliance and mentoring colleagues.
- Understanding guidelines and with easy flexibility to changes and shifting to new projects. Working independently and with a high ability in guiding others or finding resolutions within area of expertise.
- Strong knowledge of criminal investigative techniques, financial and criminal trends.
- Ability to work collaboratively with internal and external partners.
- Solid understanding of Bank policy and procedures for own area and constantly keeping informed for own functional area and emerging trends
- Part of the One Touch Pilot for establishing Job Aids and Procedures and conducting cases under Time Studies, providing valuable feedback on the new process, following project protocols
- Making judgment call on whether an investigation should take place under the One Touch Pilot case analysis.
- Maintaining a culture of risk management and control, supported by effective processes in alignment with risk appetite.
- Reviewing all incoming incidents and filters investigations for financial crime or non-criminal nature and forwards on to the appropriate area
- Assessing and containing immediate risk (monetary and brand image) based on incoming information.
- Supporting the team by continuously enhancing knowledge/expertise in own area and participates in knowledge transfer within the team and business unit.
- Contributing to the success of the team by willingly assisting others in the completion and performance of work activities.
Financial Crimes Risk Investigator II
TD Bank
06.2024 - 08.2025
- Executed investigations of moderate to complex cases, making informed judgment calls on demarketing and account freezing actions.
- Assessed and mitigated risks associated with high-risk activities to ensure operational safety.
- Conducted comprehensive reviews of suspicious activities to identify and implement necessary follow-up actions.
- Compiled comprehensive findings and generated detailed reports.
Assistant Store Manager
TD Bank
Murrells Inlet, SC
10.2023 - 06.2024
- Leading by example while also coaching, mentoring, and guiding team members how to better assist customers based on their needs / conversations while focusing on customer experience.
- Focusing on day-to-day operations like Cash handling, Control of negotiating items, Fraud prevention, managing controllable expenses, making sure the store is in compliance, and within the guidelines, while also promoting Employee safety
- Managing N.A.M.E.S/ CIP process on a Daily Base and responsible for any AML daily/weekly activities that include gathering Customer information and understanding of their transactions pattern or history
- Ensuring that the Team is constantly trained and up to date to perform in all areas of Retail, Audit, Legal, Risk, Compliance, and others and to BUMP Up as needed.
- Assisting Branch personnel as well as coaching whenever necessary with any transactional issues / CTRs and UTRs whether alerted by the automated system or where deemed necessary in order to limit any risk exposure for TD Bank monetary or reputational.
- Working closely with the Store leadership to achieve and surpass both Store goals as well as individual ones.
- Making qualified referrals to appropriate partners
- Ensuring all team members are properly trained and in compliance before helping Customers.
- Conducting skill builders, leading and coaching for team members to model the bank's legendary behaviors with every interaction.
- Reaching out to customers and prospects to deepen existing relationships or bringing in new Customers, while making sure each customer receives a Legendary and personalized interaction.
- Serving as Small business advocate for the Store along with the Store manager through actively engagement in the local community and cultivating Center of Influence (COI) relationships
- Assuming Store Manager responsibilities when warranted
- Responsible for making sound decisions and timely problem resolutions.
- Providing people management leadership by being actively involved in Recruiting, interviewing, training, coaching, and evaluating employees in according with HR guidelines.
- Contributed to various projects in the Region (ex: LEI Leader for the SC region, ASM Leader for the VA region).
Store Supervisor
TD Bank
Murrells Inlet, SC
10.2020 - 10.2023
Assistant Store Manager
TD Bank
Falls Church, VA
01.2019 - 10.2020
- Leading by example while also coaching, mentoring, and guiding team members how to better assist customers based on their needs / conversations while focusing on customer experience.
- Focusing on day-to-day operations like Cash handling, Control of negotiating items, Fraud prevention, managing controllable expenses, making sure the store is in compliance, and within the guidelines, while also promoting Employee safety
- Managing N.A.M.E.S/ CIP process on a Daily Base and responsible for any AML daily/weekly activities that include gathering Customer information and understanding of their transactions pattern or history
- Ensuring that the Team is constantly trained and up to date to perform in all areas of Retail, Audit, Legal, Risk, Compliance, and others and to BUMP Up as needed.
- Assisting Branch personnel as well as coaching whenever necessary with any transactional issues / CTRs and UTRs whether alerted by the automated system or where deemed necessary in order to limit any risk exposure for TD Bank monetary or reputational.
- Working closely with the Store leadership to achieve and surpass both Store goals as well as individual ones.
- Making qualified referrals to appropriate partners
- Ensuring all team members are properly trained and in compliance before helping Customers.
- Conducting skill builders, leading and coaching for team members to model the bank's legendary behaviors with every interaction.
- Reaching out to customers and prospects to deepen existing relationships or bringing in new Customers, while making sure each customer receives a Legendary and personalized interaction.
- Serving as Small business advocate for the Store along with the Store manager through actively engagement in the local community and cultivating Center of Influence (COI) relationships
- Assuming Store Manager responsibilities when warranted
- Responsible for making sound decisions and timely problem resolutions.
- Providing people management leadership by being actively involved in Recruiting, interviewing, training, coaching, and evaluating employees in according with HR guidelines.
- Contributed to various projects in the Region (ex: LEI Leader for the SC region, ASM Leader for the VA region).
CSR II
TD Bank
Alexandria, VA
06.2017 - 01.2019
- Met with customers and prospects to better understand and assist with their financial needs. Recommended the customer the appropriate services and solutions.
- Maintained a strong product and sales knowledge.
- Focused on going above and beyond improve Customer Experience by leading, coaching and making sure each customer receives an individualized service and interaction
- Ability to solve problems independently.
- Providing exceptional Customer Service
- Ability to multitask.
- Able to meet and exceed the sales goals
CSR I
TD Bank
Alexandria, VA
06.2016 - 06.2017
- Maintained and exceeded sales goals.
- Met with customers and prospects and developed and made sure of a well understanding of their financial needs
- Assessed customers information and suggested the appropriate products and solutions
- Maintained strong product and sales knowledge while making sure customer core service values are met
- Performed a large variety of tasks, varying in complexity and scope
- Contributed to various projects to meet and exceed the goals of the team as a whole
- Cross- sold products and assisted customer while providing a Legendary service to the customer
Operations Manager
SC Jewelers
Myrtle Beach, SC
07.2012 - 06.2016
- Placed orders with several companies
- Maintained and exceeded sales goals daily
- Trained employees on the company policy, procedures, and sales techniques
Education
Master of Arts - American Cultural Studies
Alexandru I. Cuza University
Iasi, Romania06.2009
Bachelor of Arts - English, French
Alexandru I. Cuza University
Iasi, Romania06.2007
Skills
- Demonstrated rapid learning capabilities and exercised assertive decision-making skills
- Exhibited strong self-management skills, emphasizing organizational accountability and reliability
- Exhibited strong work ethic and exceptional interpersonal skills to cultivate and maintain productive working relationships
- Provided exceptional customer service in English, Romanian, French, and intermediate Spanish
- Exhibited meticulous attention to detail and accuracy by spearheading critical thinking and proactive problem-solving initiatives
- Cultivated a positive atmosphere to enhance collaborative team dynamics
Timeline
Financial Crimes Risk Investigator II
One Touch
08.2025 - Current
Financial Crimes Risk Investigator II
TD Bank
06.2024 - 08.2025
Assistant Store Manager
TD Bank
10.2023 - 06.2024
Store Supervisor
TD Bank
10.2020 - 10.2023
Assistant Store Manager
TD Bank
01.2019 - 10.2020
CSR II
TD Bank
06.2017 - 01.2019
CSR I
TD Bank
06.2016 - 06.2017
Operations Manager
SC Jewelers
07.2012 - 06.2016
Master of Arts - American Cultural Studies
Alexandru I. Cuza University
Bachelor of Arts - English, French
Alexandru I. Cuza University