Edward Hutcherson
East Hanover
Summary
Finance graduate with hands-on experience in cash management, financial controls, and high-value transaction oversight within large financial institutions. Demonstrates ability to independently manage daily branch operations, serve as officer-in-charge responsibilities, and support leadership decision-making. Strong academic foundation in budgeting, financial analysis, forecasting, and liquidity concepts. Seeking entry-level Treasury Analyst, Budget Analyst, or Financial Analyst roles.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Personal Banker
Citizens Bank
Morristown
01.2025 - Current
- Serve as primary operational lead and officer-in-charge for the branch for extended periods, overseeing daily workflows, transaction approvals, and staff coordination
- Independently manage majority of branch operations even when branch management is present, acting as point-of-contact for escalations and complex operational matters
- Authorize and review high-dollar cash and wire transactions, ensuring adherence to internal controls, limits, and risk policies
- Support liquidity readiness through vault oversight, cash ordering coordination, and cash exception monitoring
- Ensure accurate completion and maintenance of consumer and business account documentation in alignment with audit and regulatory standards
- Assist in onboarding and training new staff on transaction accuracy, compliance requirements, and operational best practices
Universal Banker
Citi Bank
Brooklyn
03.2022 - 12.2024
- Processed domestic and international wire transfers involving large-dollar amounts while ensuring required authorizations and compliance checks
- Maintained ATM and vault cash operations with a zero-error reconciliation record supporting continuous customer access
- Resolved account discrepancies and maintained accurate records supporting data integrity and reporting
- Assisted clients with structured deposit products (CDs) by ensuring accurate documentation and adherence to policy requirements
- Provided needs-based financial guidance contributing to strong customer retention
Education
Bachelor of Science - Finance, Small Business Entrepreneurship
University of Maryland Global Campus
12-2025
Skills
- Cash Management & Liquidity Awareness
- Budgeting & Financial Controls
- Operational Risk & Variance Analysis
- Financial Documentation & Audit Readiness
- Wire & Payment Controls (Dual Control Authorization)
- Regulatory Compliance (AML / KYC)
- Financial Modeling & Forecasting (Academic)
- Microsoft Excel (Financial Tracking & Analysis)
- Financial analysis
Projects
- Apple Inc. Financial Statement Analysis - evaluated profitability, liquidity, cash flows, and growth trends using 10-K filings.
- E-Commerce Startup Financial Model - built a five-year income statement and cash flow forecast; performed break-even and sensitivity analysis.
- Mobile Detailing Business Budgeting Plan - developed operating budget, pricing strategy, and cost controls for a mobile detailing business concept.
- Investment Portfolio Performance Tracker - compared active, passive, and random portfolios; analyzed risk-adjusted returns.
Certification
New Jersey Notary License
Accomplishments
Deans List 2024-2025
Timeline
Personal Banker
Citizens Bank
01.2025 - Current
Universal Banker
Citi Bank
03.2022 - 12.2024
Bachelor of Science - Finance, Small Business Entrepreneurship
University of Maryland Global Campus