Denise Molinares

• Prepares department reporting and assists in KRI processes.
• Performs basic and enhanced due diligence screenings on exceptions and onboarding requests for other Lines of Business.
• Assist the Line of Business Compliance Director during regulatory examinations and internal/external audits for the front lines.
• Assist with the quality control of Know Your Customer on new onboarded and existing clients as needed.
• Conducts regular compliance assessments to identify red flags.
• Provides support/manage any projects or issues that need to be handled to maintain effective department processes.
• Provides subject matter expertise to all Lines of Business on specific compliance requirements and regulations.
• Maintain current knowledge of federal and state laws and regulations.
• Assist in testing of updates and enhancements to front lines systems, processes and products.

• Developed and maintained internal management month end reporting including dashboards on Qlik and SalesForce for the Line of Business.
• Actual to forecasting business metrics – monthly, quarterly and annually.
• Individually and strategically led projects on behalf of the executive of the Business and Personal Banking Division.
• Worked alongside sales team to manage RM portfolios to enhance customer relationship grouping.
• Centralization and organizing of existing ongoing department projects.
• Recommended business process changes to result in better processes.
• Managed Regulatory Compliance for compensation purposes for the Business and Personal Banking Division.
• Managed quarterly and annual incentive compensation for the Business and Personal Banking Division.

• ·Was responsible for completing KYCs, updating client records on databases and/or any additional items based on specific RFI requests.
• Reviewed files, records and other documents to obtain business information and key data to complete requests.
• Was responsible for collecting, reviewing, responding and analyzing documentation to ensure compliance with bank’s policies and procedures.
• Served as an internal and external relationship contact on KYC related matters.
• Was responsible for performing ongoing customer due diligence, including maintenance and updating of KYC records and information for existing clients.
• Acted as a Liaison between Relationship Manager and BSA Department, working closely with RMs to complete RFIs within policy timeframes.

Prioritized all day-to-day activities by preparing and administering schedules and vacations for floating tellers. Accelerated customer satisfaction by consulting clients regarding specified banking services.

• Provide administrative support to the EVP and director team, managing their calendars, scheduling meetings, and coordinating travel arrangements.
• Answer and direct phone calls and emails.
• Prepare reports, presentations, and other materials as needed for meetings and presentations.
• Submit and reconcile expense reports.
• Produce and distribute correspondence memos, letters, faxes, and forms.

• Provided account services to customers by receiving deposits and loan payments; cashing checks; issuing savings withdrawals; recording night and mail deposits; selling cashier’s checks, traveler’s checks
• Reconciled cash drawer by providing cash transactions; counting and packaging currency and coins.
• Vault Teller - in charge of the bank’s currency at the end of every day and processing incoming and outgoing detailed money shipments
• Assisted with account maintenance; ordered debit cards, change of addresses, etc.

• Provided account services to customers by receiving deposits and loan payments; cashing checks; issuing savings withdrawals; recording night and mail deposits; selling cashier’s checks, traveler’s checks
• Maintaining and reconciling branch reports on a daily and monthly basis to ensure that branch accounts and functions are being handled according to policy. Answering questions in person or by telephone.
• Cross-trained head teller, in charge of pulling branch’s daily reports and supervising multiple tellers to ensure correct balancing and performance.
• Reconciled cash drawer by providing cash transactions; counting and packaging currency and coins.
• Cross-trained Vault Teller, in charge of the bank’s currency at the end of everyday and processing incoming and outgoing detailed money shipment.