FARHANA NUSRAT
Port Saint Lucie
Summary
Friendly employee knowledgeable banking regulations and regulatory compliance. Offers great communication, collaboration, and organizational skills.
Resourceful Personal Banker recognized for high productivity levels and efficient task completion. Possess specialized skills in customer relationship management, financial advising, and risk assessment. Excel at communication, problem-solving, and adaptability, ensuring seamless banking experiences for clients.
Skilled Personal Banker with effective background in financial services industry. Noted for strong client service skills, ability to assess customer needs and tailor banking solutions accordingly. Demonstrates prowess in cross-selling banking products and services, establishing long term client relationships, and contributing to business growth. Committed to maintaining up-to-date knowledge on banking products, trends, and regulations.
Overview
19
19
years of professional experience
Work History
Personal Banker II
Fifth Third Bank
Jupiter
09.2024 - Current
Personal Banker
Wells Fargo
West Palm Beach
05.2023 - 08.2024
- Improved customer satisfaction by providing personalized banking solutions and exceptional service.
- Generated new business by conducting thorough financial needs assessments and offering tailored products to clients.
- Enhanced client retention with proactive follow-ups and timely resolution of account issues.
- Streamlined daily operations, ensuring accurate transaction processing and efficient customer service delivery.
Personal Banker II
Fifth Third Bank
06.2022 - 12.2022
- Improved customer satisfaction by providing personalized banking solutions and exceptional service.
- Generated new business by conducting thorough financial needs assessments and offering tailored products to clients.
- Enhanced client retention with proactive follow-ups and timely resolution of account issues.
- Streamlined daily operations, ensuring accurate transaction processing and efficient customer service delivery.
- Boosted sales of bank products through effective cross-selling and up-selling techniques.
- Maintained compliance with bank policies and regulations while executing various financial transactions for customers.
- Delivered comprehensive financial advice, strengthening client relationships and promoting long-term loyalty.
- Assisted in the development of marketing strategies to increase awareness of bank products and services within the local community.
- Contributed to a positive work environment, fostering teamwork among colleagues to enhance productivity levels.
- Provided ongoing mentorship to junior bankers, building their skills in sales techniques and customer relations management.
- Conducted regular audits of cash handling procedures, minimizing risk exposure for the branch.
- Supported managers in implementing operational improvements that increased efficiency across the branch network.
- Spearheaded efforts to drive process enhancements that led to improved teller accuracy rates over time.
- Optimized portfolio growth by identifying potential investment opportunities for high-net-worth clients based on market trends analysis.
- Exceeded individual performance metrics consistently while maintaining exceptional levels of client satisfaction ratings throughout tenure as Personal Banker.
UNIVERSAL BANKER
SUNTRUST Now TRUIST BANK
01.2021 - 05.2022
- Receives checks and cash for deposit, verifies amount, and examines checks for endorsements
- Cashes checks and pays out money after verification of signatures and customer balances
- Enters customers' transactions into computer to record transactions, and issues computer generated receipts
- Places holds on accounts as appropriate
- Balances currency, coin, and checks in cash drawer at end of shift and compares totaled amounts with data displayed on computer screen
- Explains, promotes, refers, or sells Bank products or services such as accounts, loans, traveler's checks, money orders, and cashier's checks in the branch or via telemarketing
- Meets or exceeds assigned goals
- Performs outbound calls and set appointments for Producing Market Leader and/or Small Business Specialist in accordance with market initiatives and/or branch goals
- Contributes to meeting branch sales goals
- Cross-trains on the products and operational processes associated with the Platform and assists clients with related activities
- Opens and processes all types of accounts, products, and/or services for customers after consulting with them on their specific needs
- Assists customers whenever possible
- Refers customer to appropriate business line as needed to ensure customer needs are met
- Achieves individual referral goals for cross selling of all credit, non-credit and fee income goals
- Maintains knowledge of current products, policies, procedures and regulations as it relates to position
- Adheres to all current policies, procedures and regulations as it relates to position
- Processes transactions from automated teller machine and night depository
- Responds professionally to customer inquiries or problems
- Assists customers with safe deposit box transactions
- Fills in for Operations Specialist when absent
- May order daily supply of cash, and counts incoming cash
- Under dual control, balances cash in automated teller machines and night depository.
LEAD ASSOCIATE OPERATION( LAO)
CHASE BANK
01.2017 - 01.2021
- Works with the branch manager to set the tone of the branch environment to provide an exceptional customer experience, and a dynamic and engaging culture
- Process and assist customers with transactions
- Introduce customers to your branch team who will build relationships and assist with specialized financial needs
- Make customers' lives easier by sharing and setting up self-service options to access their accounts 24 hours a day/7 days a week
- Support the Branch Manager with all aspects of branch operations, including loss control, compliance and audit standards Coaching to meet branch and individual sales goals.
CUSTOMER SERVICE
NORDSTROM
01.2016 - 01.2018
- Responsible for supervising customer service agents and other staff
- Trains, coaches, and mentors employees on how to deliver the best customer service possible
- Investigate customer's problems and find solutions
- Communicate with customers via phone, email, or letter
- Issue refunds to customers
- Analyze data and statistic
- Compile and print reports on overall customer satisfaction
- Isolate and identify areas of improvement
- Supervise customer service managerial staff.
Manager MT
DKNY
West Palm Beach
01.2015 - 01.2016
- Maintains staff by recruiting, selecting, orienting, and training employees
- Maintaining a safe, secure, and legal work environment, developing personal growth opportunities
- Accomplishes staff results by communicating job expectations, planning, monitoring, and appraising job results, coaching, counseling, and disciplining employees
- Establishes strategic goals by gathering pertinent business, financial, service, and operations information, identifying and evaluating trends and options
- Accomplishes financial objectives by forecasting requirements; preparing an annual budget; scheduling expenditures; analyzing variances; initiating corrective actions
- Maintains quality service by enforcing quality and customer service standards, analyzing and resolving quality and customer service problems, identifying trends, recommending system improvements
- Maintains professional and technical knowledge by attending educational workshops
- Contributes to team effort by accomplishing related results as needed.
FINE JEWELRY SPECIALIST
SAKS FIFTH AVENUE OFF 5TH
01.2014 - 01.2015
- The Selling Specialist is responsible for providing exceptional customer service, driving individual Sales per Hour and contributing to the achievement of the department goals
- The Selling Specialist is the subject matter expert in their assigned department and will communicate product needs, train associates on product knowledge, champion event execution and clientele through appointments and up-selling.
FINE JEWELRY SALES ASSOCIATE
MACY'S
01.2010 - 01.2013
- As a Macy's sales associates, I was primarily assist customers
- My Key responsibilities include greeting store patrons, providing product knowledge, directing customers to fitting rooms, and completing transactions on the cash register
- Primary job duties on the cash register include processing payments, applying coupons and promotional codes, issuing receipts, and bagging items upon the conclusion of transactions.
SALES ASSOCIATE
KAY JEWELERS
01.2007 - 01.2009
- As a Sales Associates, I was responsible for engaging customers in conversation to understand their needs and objections, presenting merchandise and detailed information on features and benefits
- Offering extended service plans and financing options
- Working with the entire sales team to provide a superior experience to all of our valued customers and meeting individual and team sales goals.
CUSTOMER SERVICE REPRESENTATIVE
DILLARD'S
01.2006 - 01.2007
- Responsible for maintaining excellent customer relations, sales associates generate sales, organize merchandise, and provide an overall friendly environment for both customers and employees.
Education
Bachelor of Science -
Western Governors University
Salt Lake City, UT05-2029
HIGH SCHOOL DIPLOMA W/HEALTH-CARE CONCENTRATION -
01.2013
Profile Skills
- Proven Sales skills, by demonstrated success in consistently meeting sales/production goals
- Staff Coaching in Sales techniques and achievement of retail sales goals both on the individual level and branch level.
- Experienced in processing account transactions, loan applications, new accounts
- Problem solving ability within established policies and procedures, with the understanding and compliance of all state and federal regulations and laws.
- Experienced in ensuring compliance with all governing regulations, especially Bank Secrecy Act requirements including: Currency Transaction Reports and monitoring and reporting as appropriate any suspected suspicious activity. Also, knowledge of Office of Foreign Asset Control (OFAC) requirements.
- Bank Secrecy Act knowledge as it may relate to the lending functions.
- Recognize cues for sales opportunities and identify unexpressed need.
- Accept and perform new job responsibilities as needed.
- Accept change when required in performance of job responsibilities.
- Ability to learn and utilize new technologies.
- Good Oral and written communication skills in handling both employee and member relations.
- Make effective referrals to other specialists when appropriate
- Excellent communication skills, both written and verbal.
- Fluent in 4 languages: English, Bengali, Urdu, and Hindi.
Referrals
References Available Upon Request
Desirable Pc Skills
- Proficiency with Microsoft Word, Excel, Outlook
- General computer familiarity
- Working knowledge of banking-software.
- Proficiency a plus.
Timeline
Personal Banker II
Fifth Third Bank
09.2024 - Current
Personal Banker
Wells Fargo
05.2023 - 08.2024
Personal Banker II
Fifth Third Bank
06.2022 - 12.2022
UNIVERSAL BANKER
SUNTRUST Now TRUIST BANK
01.2021 - 05.2022
LEAD ASSOCIATE OPERATION( LAO)
CHASE BANK
01.2017 - 01.2021
CUSTOMER SERVICE
NORDSTROM
01.2016 - 01.2018
Manager MT
DKNY
01.2015 - 01.2016
FINE JEWELRY SPECIALIST
SAKS FIFTH AVENUE OFF 5TH
01.2014 - 01.2015
FINE JEWELRY SALES ASSOCIATE
MACY'S
01.2010 - 01.2013
SALES ASSOCIATE
KAY JEWELERS
01.2007 - 01.2009
CUSTOMER SERVICE REPRESENTATIVE
DILLARD'S
01.2006 - 01.2007
Bachelor of Science -
Western Governors University