ALDO A. CARDOZO
Hallandale Beach,FL
Summary
Accomplished banking professional with expertise in driving loan portfolio growth and enhancing client retention through consultative sales. Demonstrates a strong commitment to ethical practices and regulatory compliance while providing tailored financial solutions. Proven ability to build lasting relationships with business owners and deliver exceptional service.
Overview
1
1
Certification
18
18
years of professional experience
Work History
Producer Remote/ Insurance Agent
Blue Cross Blue Shield/ Florida Blue (ACA)
Jacksonville, FL
01.2026 - Current
- Consultative Sales & Enrollment: Conducted comprehensive health insurance needs assessments for individuals, families, and Medicare-eligible beneficiaries to recommend optimal Florida Blue plans (ACA/Under-65, Medicare Advantage, Supplements, and Ancillary products).
- Lead Management: Managed high-volume pipeline of inbound inquiries and self-generated leads, utilizing CRM tools to track member interactions and streamlined follow-ups and enrollment statuses.
- Member Advocacy & Retention: Resolved complex member inquiries regarding benefits, provider networks, and claims, enhancing customer satisfaction and driving policy retention.
- Compliance & Policy Regulation: Maintained 100% compliance with CMS (Centers for Medicare & Medicaid Services) guidelines, HIPAA regulations, and Florida Department of Financial Services insurance laws during all plan presentations and enrollments.
- Community Engagement: Engaged in retail center events, health fairs, and community outreach programs, fostering local brand awareness and educating the public on Florida Blue health plans.
Producer/ Insurance Agent
Vitality Guard Insurance (Medicare)
Fort Lauderdale, FL
01.2026 - Current
- Specialized in Medicare NOAdvantage, Supplement, and PDP products while ensuring compliance with CMS guidelines.
- Prioritized beneficiary needs over commission to foster trust and ethical sales practices.
- Dedicated to transparent communication and safeguarding vulnerable seniors from deceptive practices.
Senior Associate Banker
Wells Fargo Bank, N.A.
Miami Beach, FL
01.2023 - 12.2025
- Manage and grow a portfolio of consumer and small business relationships through proactive outreach and needs-based discovery
- Deliver business banking solutions including deposits, credit products, estate considerations, and treasury services.
- Increased loan approvals through thorough financial analysis.
- Conduct outbound prospecting to convert leads into long-term banking relationships.
- Increased the customer base through a targeted relationship approach.
- Assess client risk exposure and recommend strategies to protect cash flow and liquidity
- Maintain high client satisfaction through responsive communication and consistent follow-through
- Mentored bankers/branch staff, focusing on performance management, coaching, and talent development to achieve business objectives.
- Resolved conflicts and employee issues efficiently, contributing to a positive workplace culture.
- Handled Customer complaints and complex issues, finding appropriate solutions efficiently to boost customer retention and satisfaction.
- Partner with wealth, lending, and specialty teams to provide comprehensive financial strategies.
Underwriting Home Specialist
Private National Mortgage Acceptance Corporation /Pennymac
Plano, TX
08.2020 - 12.2022
- Evaluated loan-to-value and debt-to-income ratios to assess risk and support underwriting decisions
- Analyzed mortgage applications, ensuring thorough review of credit, income, assets, and title documentation for informed decision-making
- Ensured compliance with underwriting standards and regulatory requirements
- Facilitated seamless loan closings by coordinating communication among lenders, brokers, buyers, and sellers
Senior Small Business Banker
Wells Fargo Bank, N.A.
Dallas, TX
06.2015 - 01.2020
- Manage and grow a portfolio of consumer and small business relationships through proactive outreach and needs-based discovery
- Grew small business portfolio by acquiring 276 new customers.
- Expanded customer base through targeted relationship-building strategies.
- Deliver business banking solutions including deposits, credit products, estate considerations, and treasury services.
- Increased loan approvals through thorough financial analysis.
- Partner with wealth, lending, and specialty teams to provide comprehensive financial strategies.
- Conduct outbound prospecting to convert leads into long-term banking relationships.
- Assess client risk exposure and recommend strategies to protect cash flow and liquidity
- Maintain high client satisfaction through responsive communication and consistent follow-through
General Manager
Aarons Sales & Lease
Haltom City, TX
09.2014 - 04.2015
- Drove store performance to exceed planned growth and profit targets that exceeded 16% for the first time in 3 years
- Led store operations, budgeting, forecasting, and profitability management
- Monitored financial performance and implemented corrective actions to drive profitability.
- Achieved revenue growth by closing lease agreements and strengthening customer relationships through community events.
- Managed all renewal activities personally to ensure long-term customer retention and asset security
- Consolidated payroll and accounting systems, enhancing efficiency and reporting accuracy.
- Implemented company guidelines to deliver superior customer service, ensuring high satisfaction levels.
- Recruited, hired, and developed a top-performing team of 16 to 36 team members focused on customer satisfaction and operational excellence.
- Motivated team members to reach their full potential in a high-energy, results-driven environment.
- Trained and developed employees in leadership, operations, and financial accountability
- Managed quality control calls on new lease agreements within one business day of delivery.
Customer Account Manager
Aarons Sales & Lease
Denton, TX
02.2013 - 09.2014
- Built and maintained customer relationships through customized payment solutions
- Guided customers in achieving successful product ownership through relationship building.
- Addressed and resolved customer concerns promptly to ensure 100% satisfaction with leased products.
- Increased repeat business by identifying opportunities to improve customer outcomes
- Consistently met or exceeded company standards for monthly renewal (payment and customer retention) goals
- Conducted phone and in-home visits to assist customers with non-paid lease agreements, achieving a 95% success rate in providing solutions.
- Supported leadership with complex customer and accounting resolutions
- Prepared detailed financial and account performance reports
Front Desk Manager
Holiday Inn & Suites
Beaufort, SC
02.2009 - 09.2013
- Resolved 50+ complex guest complaints per month with a 95% satisfaction rate, effectively turning negative experiences into positive reviews.
- Supervised 7 front desk clerks, delivering coaching and performance evaluations that lowered staff turnover
- Coordinated team of 7 front desk clerks, offering coaching and performance evaluations that led to lower staff turnover
- Constructed efficient work schedules for 24/7 coverage, minimizing overtime
- Assisted leadership in resolving complex customer and accounting challenges
Education
High School Diploma -
Colegio Nueva Enseñanza
Ibagué, ColombiaPortuguese Language Program (Level 5) -
Aula de Portuguesa do Azevedo
São Paulo, BrazilSkills
- Regulatory Compliance (Operational and Financial Acumen)
- Insurance Sales
- Small Business & Commercial Banking
- Credit & Risk Analysis
- Revenue Optimization
- Portfolio Growth
- Relationship Management
- Conflict Resolution and Mediation
- Talent Coaching and Performance Improvement
- Red Carpet Customer Service (VIP)
- Multilingual Communication
- Emotional Intelligence (EQ) and Psychological Safety
Certification
Florida Department of Financial Services: 0215- LIFE, HEALTH & VARIABLE CONTRACTS INSURANCE AGENT (licensed in 23 states), National AHIP Certification 2026-2027, Federally- Facilitated Marketplace (FFM) Certified 2026-2027, Nationwide Multistate Licensing System & Registry (NMLS)
LANGUAGES
English, Spanish- Expert in Spanish financial and accounting terminology, Portuguese- Fluent in Portuguese financial nomenclature
Timeline
Producer Remote/ Insurance Agent
Blue Cross Blue Shield/ Florida Blue (ACA)
01.2026 - Current
Producer/ Insurance Agent
Vitality Guard Insurance (Medicare)
01.2026 - Current
Senior Associate Banker
Wells Fargo Bank, N.A.
01.2023 - 12.2025
Underwriting Home Specialist
Private National Mortgage Acceptance Corporation /Pennymac
08.2020 - 12.2022
Senior Small Business Banker
Wells Fargo Bank, N.A.
06.2015 - 01.2020
General Manager
Aarons Sales & Lease
09.2014 - 04.2015
Customer Account Manager
Aarons Sales & Lease
02.2013 - 09.2014
Front Desk Manager
Holiday Inn & Suites
02.2009 - 09.2013
High School Diploma -
Colegio Nueva Enseñanza
Portuguese Language Program (Level 5) -
Aula de Portuguesa do Azevedo