Carol Ann Mills
Rosenberg
Summary
Accomplished cash management professional with a strong focus on business development and customer relationship building. Skilled in assessing client needs, delivering tailored solutions, and ensuring successful product implementation. Extensive experience in coordinating cross-departmental efforts to enhance client experiences and drive growth.
Overview
27
27
years of professional experience
Work History
Treasury Management Sales Manager
Southside Bank
04.2022 - 10.2025
- Developed and marketed cash management products that increased deposit acquisition for community bank prospects and clients.
- Work with Lenders to assess the products needed for new clients that are brought into the bank via loan production.
- Follow up on business development leads provided by branches and meet with these clients to discuss their Cash Management needs.
- Conducted annual reviews of client portfolios to ensure alignment of products with cash flow needs.
- Prepared presentations and pricing to effectively communicate product value to clients.
- Organize and submit documentation to implementation team.
- Train clients on products once implementation is complete.
Treasury Management Portfolio Manager
CIT Bank formerly Mutual of Omaha Bank
Houston
03.2018 - 07.2021
- Provide support for Treasury Management Officer covering Commercial, Commercial Real Estate and Middle Market portfolios in the Texas market.
- Managed ongoing portfolio development to enhance client engagement and satisfaction.
- Delivered Cash Management Sales support for branches by engaging small business clients to assess their needs with revenue between $1 million and $5 million.
- Coordinated product implementation for clients, ensuring timely delivery and successful integration.
- Provided detailed support in client calls, organized, and submitted documentation for account opening and domestic implementations.
- Preparation of proposals, pricing proformas and presentations, assisting with annual client reviews.
- Engaged with business development leads from branch to enhance client relationships.
- Monitored client inquiries and resolved product issues to maintain high service standards.
- Houston, Texas
Global PCM Sales Associate
HSBC US NA
Houston
04.2014 - 03.2018
- Provided support for Senior Payments and Cash Management Officers covering Large Corporate, Middle Market and Inbound International portfolios in a global financial institution.
- Supported client calls, organized data entry for complex domestic and international implementations, and prepared proposals, proformas, presentations, and RFPs.
- Directed client requests for research and product issues, ensuring timely tracking to completion.
- Houston, Texas
Senior Customer Support Specialist (ACH)
Capital One Bank
Houston
04.2010 - 12.2013
- Executed ACH operations, securing overage approval from Relationship Managers for exposure limit suspensions, ensuring compliance with risk management protocols.
- Managed ACH risk renewal process, improving oversight and timely updates to risk assessments.
- Prepared and monitored spreadsheets for ACH credit risk metrics, tracking excessive debit returns and exposure overages to support informed decision-making across business segments.
- Compiled spreadsheets to gather metrics for management reporting.
- Houston, Texas
Senior Cash Management Sales Officer
Washington Mutual
Houston
01.2006 - 01.2009
- Managed and expanded portfolio totaling $150 million in deposits, focusing on commercial real estate, title, and property management in Texas.
- Increased sales of cash management products, leading to significant deposit growth.
- Houston, Texas
Cash Management Sales Officer
Washington Mutual
Houston
08.2003 - 01.2006
- Engaged clients to enhance portfolio, cultivated new business from referrals, drafted RFP responses for municipalities and school districts, and provided cash management product expertise to Relationship Managers.
- Coordinated communication between departments to enhance collaboration.
Cash Management Sales Assistant
Washington Mutual
Houston
07.2000 - 08.2003
- Managed sales administration processes, maintaining cash management client database, preparing proposals, and ensuring positive client experience during implementation.
- Liaised with financial center networks in Texas, Florida, and Georgia, addressing cash management product inquiries, screening leads, and assisting with account analysis proformas.
- Supported Regional Sales Manager and sales team with comprehensive sales assistance.
- Houston, Texas
Cash Management Sales Assistant
Compass Bank
Houston
04.1999 - 07.2000
- Coordinated administrative support for three Cash Management Sales Officers and their analyst, preparing agreements and presentations to facilitate client engagement.
- Responded to client inquiries regarding account and cash management products, enhancing client understanding and satisfaction.
- Houston, Texas
Education
High School Diploma -
Westbury High School
Houston, TXSkills
- Cash management
- Risk assessment
- Product implementation
- Treasury solutions
- Customer relationship management
- Business development
- Problem solving
- Effective communication
- Team collaboration
- Sales strategy
References
- Kay Thomas Brown, Treasury Management District Manager, Bank OZK, 713 269 0702
- Grant Williams, Regional Treasury Mgmt Manager, Southside Bank, 210 215 5927
- Sherry Mikaloff, TM Sales Officer, Amegy Bank, 713 515 5570
Timeline
Treasury Management Sales Manager
Southside Bank
04.2022 - 10.2025
Treasury Management Portfolio Manager
CIT Bank formerly Mutual of Omaha Bank
03.2018 - 07.2021
Global PCM Sales Associate
HSBC US NA
04.2014 - 03.2018
Senior Customer Support Specialist (ACH)
Capital One Bank
04.2010 - 12.2013
Senior Cash Management Sales Officer
Washington Mutual
01.2006 - 01.2009
Cash Management Sales Officer
Washington Mutual
08.2003 - 01.2006
Cash Management Sales Assistant
Washington Mutual
07.2000 - 08.2003
Cash Management Sales Assistant
Compass Bank
04.1999 - 07.2000
High School Diploma -
Westbury High School