Carine Rugema
Deland,FL
Summary
Client-focused financial services professional with over 10 years of experience supporting banking operations, resolving client inquiries, and managing financial transactions with precision. Expertise in handling high-volume inbound requests, identifying client needs, and delivering timely, effective solutions. A strong sense of ownership, empathy, and meticulous attention to detail enhance the ability to assist clients with account maintenance, issue resolution, and financial inquiries. Background in banking and financial documentation underscores a commitment to elevating the client experience while contributing to overall team success.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Family Caregiver
01.2015 - 01.2026
- Managed sensitive financial responsibilities, including budgeting, expense tracking, and recordkeeping with a high level of accuracy and confidentiality
- Navigated complex, time-sensitive situations requiring problem-solving, adaptability, and strong organizational skills
- Demonstrated empathy, patience, and clear communication while supporting daily needs and coordinating care
Client Advocate
The Advocator Group
Longwood, FL
01.2014 - 01.2015
- Assisted clients with disability claims through detailed review of financial and legal documentation
- Managed a caseload while ensuring timely follow-up and resolution of client issues
- Communicated with external agencies to verify information and resolve discrepancies
Branch Financial Sales Consultant
PNC Bank
Longwood, FL
01.2013 - 01.2014
- Supported clients with account services, applications, and financial inquiries in a fast-paced environment
- Processed transactions including wire transfers and account updates with precision
- Identified and resolved account discrepancies, ensuring a positive client experience
- Reviewed financial information to support lending and account decisions while maintaining compliance standards
Relationship Manager
KeyBank
ME
01.2010 - 01.2012
- Built and maintained strong client relationships by addressing account needs and financial concerns
- Assisted with account maintenance, transactions, and service requests
- Resolved discrepancies and ensured accuracy across financial records
- Collaborated with internal teams to support client solutions and service improvements
Teller
Bank of America
ME
01.2006 - 01.2010
- Delivered high-quality client service while processing a high volume of financial transactions
- Assisted clients with account questions, service requests, and issue resolution
- Maintained strict adherence to compliance, security, and accuracy standards
- Balanced cash drawers and identified discrepancies efficiently
Education
Bachelor's Degree - Social Work
University of Southern Maine
Associate Degree - Criminal Justice
McIntosh College
Skills
- Client Service & Support
- Account Maintenance
- Problem Resolution
- Inbound Call Handling
- Financial Transactions
- Documentation Review
- Attention to Detail
- Compliance & Accuracy
- Workflow Management
- Cross-Functional Collaboration
- Microsoft Excel & Office
Certification
- Fannie Mae HomeView Homeownership Education Certificate
- Freddie Mac CreditSmart Financial Capability Certificate
Timeline
Family Caregiver
01.2015 - 01.2026
Client Advocate
The Advocator Group
01.2014 - 01.2015
Branch Financial Sales Consultant
PNC Bank
01.2013 - 01.2014
Relationship Manager
KeyBank
01.2010 - 01.2012
Teller
Bank of America
01.2006 - 01.2010
Associate Degree - Criminal Justice
McIntosh College
Bachelor's Degree - Social Work
University of Southern Maine