ALMA ESPINOZA
Miami
Summary
Wealth management professional with over 20 years of experience in private banking, specializing in relationship management and regulatory compliance. Demonstrates success in enhancing client engagement and driving branch profitability through tailored financial solutions. Bilingual in English and Spanish, consistently building strong client relationships and delivering exceptional service.
Overview
22
22
years of professional experience
Work History
International Private Banking Officer
Popular Bank
Miami
12.2022 - Current
- Analyzed customer financial needs to recommend and cross-sell tailored banking products and services, enhancing client relationships.
- Develop and strengthen client relationships to increase sales and retention.
- Explained banking products and services to clients, fostering informed decision-making and engagement.
- Processed customer transactions with precision in private banking environment, ensuring client satisfaction.
- Resolve customer concerns promptly to ensure a positive client experience.
- Maintain compliance with regulatory requirements during daily banking operations.
- Manage customer records using financial software to ensure data Integrity and security.
- Support branch growth, profitability, and visibility within the community and industry.
Personal Banker
Citibank, N.A.
Deerfield Beach
11.2020 - 07.2021
- Facilitated account openings and addressed service inquiries to enhance customer experience.
- Identified opportunities to deepen customer relationships through financial solutions.
- Assisted clients with account openings and service inquiries.
- Recognized and pursued opportunities to strengthen customer relationships with tailored financial solutions.
Relationship Banker/AVP
JPMorgan Chase
Plantation
06.2018 - 08.2020
- Cultivated client relationships through regular communication and tailored service, enhancing client satisfaction and loyalty.
- Facilitated account openings, transactions, and loan applications, streamlining client onboarding experience.
- Assisted clients with account openings, transactions, and loan applications.
- Provided exceptional customer service while achieving sales and performance targets, contributing to branch success.
Licensed Personal Banker
JPMorgan Chase
Miami
08.2011 - 06.2018
- Educated customers on financial products and services to enhance understanding and support informed decision-making.
- Educated customers on available financial products and services.
- Identified sales opportunities through needs-based financial conversations to align solutions with customer needs.
- Maintained compliance with banking regulations and internal policies.
Personal Banker
JPMorgan Chase
Rochester
09.2008 - 08.2011
- Facilitated account openings and addressed service inquiries to enhance client satisfaction.
- Assisted clients with account openings and service inquiries.
- Educated customers on digital banking tools and online services.
- Recommended products and services aligned with customer needs to drive engagement.
Bank Teller / Executive Secretary
Ocean Bank
Miami
09.2004 - 09.2008
- Processed customer transactions accurately and efficiently.
- Managed cash drawers and balanced daily transactions to ensure accuracy and compliance.
- Assisted customers with account inquiries and service requests.
- Provided comprehensive administrative support to Senior Account Executives, enhancing workflow and efficiency.
- Coordinated calendars, meetings, and client communications, streamlining documentation processes.
- Prepared client correspondence, reports, presentations, and banking documents.
- Maintained confidential client files and records.
- Supported account maintenance, loan documentation, and business development activities.
Education
Business Administration
Miami Dade College
Miami, FLSkills
- Private Banking
- Wealth Management
- Portfolio Management
- Compliance Management
- Risk Management
- Financial Software
- Digital Banking
- Transaction Processing
- Cross-selling
- Relationship Management
- Digital banking solutions
- Account Management
- Financial Performance Analysis
- Sales Proficiency
- Business Development
- Branch profitability
- Client acquisition
- Wealth advisory
Languages
English & Spanish-Fluent
Timeline
International Private Banking Officer
Popular Bank
12.2022 - Current
Personal Banker
Citibank, N.A.
11.2020 - 07.2021
Relationship Banker/AVP
JPMorgan Chase
06.2018 - 08.2020
Licensed Personal Banker
JPMorgan Chase
08.2011 - 06.2018
Personal Banker
JPMorgan Chase
09.2008 - 08.2011
Bank Teller / Executive Secretary
Ocean Bank
09.2004 - 09.2008
Business Administration
Miami Dade College