Job Search Status
Open to workDesired start date: 2 weeks notice
Work Type
Full TimeLocation Preference
HybridRemoteOn-SiteOpen to relocation: Yes
Open To Work
Annabelle Muzquiz
Lytle
Work Preference
Summary
Results-driven operations professional with experience in regulatory compliance, policy governance, and procedural oversight within the banking environment. Demonstrated success in conducting audits, implementing training programs, and strengthening team collaboration to ensure regulatory adherence. Adept at documentation review, issue resolution, and risk identification to support sound banking operations.
Overview
30
30
years of professional experience
Work History
Assistant Controller
Benton City Water Supply
Lytle
05.2025 - Current
- Oversee general ledger accuracy and account reconciliations
- Monitor spending vs. budget throughout the year
- Oversee billing/accounting systems
- Help shape department procedures and policies
- Ensure adherence to purchasing and financial policies
Payroll Coordinator
Benton City Water Supply
Lytle
05.2025 - Current
- Verified employee timecards, schedules, and hours worked for accuracy.
- Entered payroll data into ADP payroll system to ensure timely processing.
- Processed biweekly payroll cycles while maintaining compliance with regulations.
- Ensured accurate pay rates, overtime calculations, and bonus distributions.
- Maintained comprehensive payroll files for all employees.
- Updated direct deposit information and deductions regularly.
- Processed new hire and termination entries in the payroll system efficiently.
- Prepared detailed payroll reports for HR, finance, and management review.
Clerk I
Benton City Water Supply
Lytle
05.2025 - Current
- Assist customers in person, by phone, or email
- Answer questions about accounts, billing, service rates, late fees, or usage
- Set up new utility accounts
- Process payments by cash, check or card
- Explain bills and help resolve discrepancies
- Verify automated meter data
- Update customer records
- Manage service requests such as starting, stopping, or transferring services
- Help coordinate meter technicians or field service teams
- Data entry into utility software systems
- File documents and maintain records
Payroll Assistant
Lytle State Bank
Lytle
01.2021 - 03.2025
- Identified and resolved discrepancies in hours worked and payroll issues.
- Reviewed financial entries, correcting errors and inconsistencies in documents and reports.
- Prepared end-of-period reports while reconciling payroll discrepancies.
- Managed confidential personnel files containing sensitive employee information.
- Organized payroll information through data entry, error correction, and calculations.
- Handled employee payroll inquiries promptly and professionally.
- Tracked employee vacation, personal, and sick leave usage effectively.
- Calculated employee leave time by comparing available hours against recorded hours.
Operations Manager/Cashier Supervisor
Lytle State Bank
Lytle
01.2019 - 03.2025
- Conducted regular audits on assets within cash vault to ensure compliance.
- Managed cash transport operations, coordinating with external currency couriers.
- Supervised tellers to verify adherence to federal and local regulations.
- Enforced strict access rights and maintained entry and exit logs for security measures.
- Reviewed vault operation policies, recommending improvements as necessary.
- Cross-trained staff on vault procedures to ensure consistent service delivery.
- Prepared and securely shipped excess coins and currency to correspondent banks.
- Maintained accurate coin and currency levels in vault and verified sums received from correspondents.
Compliance Officer
Lytle State Bank
Lytle
01.2008 - 03.2025
- Enforced regulatory policies and procedures organization-wide to ensure compliance across departments.
- Conducted reviews to maintain adherence to federal and local regulations.
- Facilitated training programs and personnel background checks to promote regulatory compliance.
- Monitored regulatory developments, communicating potential risks and opportunities to stakeholders.
- Identified control gaps and recommended corrective actions as necessary.
- Executed compliance audits to assess company policies, procedures, and controls.
- Issued warnings to violators, detailing penalties and remediation steps required.
- Maintained compliance documentation and policies to support audit processes.
Real Estate/Closer
Lytle State Bank
Lytle
01.2011 - 12.2018
- Reviewed and organized earnest money contracts for clarity and compliance.
- Coordinated communications among buyers, real estate agents, title companies, and appraisers.
- Tracked critical deadlines for inspections and closing dates to facilitate smooth transactions.
- Ordered and monitored third-party services to ensure timely completion of tasks.
- Ensured compliance with federal, state, and lender regulations throughout the process.
- Prepared closing files by verifying completeness and accuracy of all documents pre-funding.
- Maintained organized transaction records for compliance audits and legal retention.
- Verified wire transfers, title commitments, and payoff amounts to ensure precision.
Education
High School Diploma -
Devine High School
Devine, TX05-1993
Some College (No Degree) - Banking And Finance
Center For Financial Training (CFT)
Farmington, CTFinancial Education -
Texas Bankers Association
Austin, TXFinancial Education -
Independent Bankers Association of Texas
Austin, TXFinancial Education -
American Bankers Association
Washington DCSkills
- Conflict resolution skills
- Strong attention to detail
- Effective communication skills
- Problem solving
- Decision-making abilities
- Strong customer service skills
- Excellent written and verbal communication skills
- Bilingual
- Effective communication skills
- Strong organizational skills
- Strong attention to detail
- Analytical skills
- Supervisory skills
- Organizational skills
- Pipeline management skills
- Professionalism and business etiquette
- Multitasking abilities
- Self-motivation and time management
- Team leadership abilities
Languages
- English
- Spanish
Activities
American Cancer Society Supporter
Certifications
- Financial Services Operations Diploma, 07/01/08
- Supervisor Certificate, 01/01/10
- Advanced Financial Services Certificate, 02/01/16
- General Financial Services Certificate, 10/01/16
- Introduction to Financial Services Certificate, 10/01/16
- Introduction to Lending Certificate, 10/01/16
- Introduction to Accounting Certificate, 03/01/20
Languages
English
Native/ Bilingual
Spanish
Professional
Systems & Platforms
- Wolters Kluwer ComplianceOne - Deposit & Lending
- PPDocs Loan Origination & Documentation
- Loan Origination Systems (LOS)
- Microsoft Excel (tracking, reconciliation)
- Microsoft Word
- Microsoft Outlook
Operations & Compliance Skills
- Regulatory Compliance (Consumer Lending & Deposits)
- Knowledge of mortgage lending regulatory guidelines
- Fair Lending (ECOA / HMDA awareness)
- TILA/RESPA disclosure awareness
- TRID (LE & CD)/Closing Disclosure Oversight
- UDAAP knowledge
- Internal Controls & Quality Assurance
- Regulatory Examination Support
- Loan Documentation & Disclosure Review
- Consumer Loan Processing
- Account Opening & Maintenance
- Exception Tracking & Resolution
- Audit & Exam Coordination
- Report Preperation
- Data Validation & Reporting
- Process Improvement
- Policy & Procedure Development
- Internal Policy Implementation
- Compliance Training Development
- Staff Training & Knowledge Sharing
- Cross-Functional Collaboration
- Change Management Support
- Collections
- Bank Reconciliation
- Month-end Closing Processes
- Operational Controls & Recordkeeping
Timeline
Assistant Controller
Benton City Water Supply
05.2025 - Current
Payroll Coordinator
Benton City Water Supply
05.2025 - Current
Clerk I
Benton City Water Supply
05.2025 - Current
Payroll Assistant
Lytle State Bank
01.2021 - 03.2025
Operations Manager/Cashier Supervisor
Lytle State Bank
01.2019 - 03.2025
Real Estate/Closer
Lytle State Bank
01.2011 - 12.2018
Compliance Officer
Lytle State Bank
01.2008 - 03.2025
High School Diploma -
Devine High School
Some College (No Degree) - Banking And Finance
Center For Financial Training (CFT)
Financial Education -
Texas Bankers Association
Financial Education -
Independent Bankers Association of Texas
Financial Education -
American Bankers Association