Gail Gonzalez
Union
Summary
Results-driven retail banking branch leader with 20+ years of experience driving deposit and loan growth (consumer + SMB), delivering audit-ready regulatory compliance, strengthening customer experience scores, preventing loss and fraud exposure, and building community portfolio expansion through targeted COI partnerships.
Overview
19
19
years of professional experience
Work History
Branch Assistant Manager
TD Bank
02.2015 - Current
- Lead, coach, and develop 8-10+ branch banking professionals.
- Daily oversight: new accounts, KYC, staffing, reporting, fraud/loss trends, onboarding, and compliance.
- Sustain and elevate regional Customer Experience (CX) scores through observation-based coaching.
- Assist with deposits and SMB lending production leveraging COI outreach and internal cross-LOB referrals.
- Maintain account opening accuracy, KYC integrity, and compliance discipline contributing to 108% YTD audit pace.
Branch Manager
Investors Bank
02.2007 - 09.2012
- Directed 12+ sales and client-service associates in a referral-driven sales culture.
- Scaled deposits 92% in 5 years ($40M → $77M) and exceeded annual sales goals by 50%+ YoY.
- Managed budget approvals, loss mitigation, P&L discipline, and expense governance.
- Expanded branch brand trust through community leadership and COI partnerships.
Assistant Branch Manager
Investors Savings Bank
08.2006 - 02.2007
- Provided full branch oversight in the absence of regional leadership.
- Ran internal pre-audit cadences ensuring documentation and compliance precision.
- Monitored and supported staff CX and referral execution.
Education
Associate of Business Administration -
Union County College
Cranford, NJSkills
- Branch Sales Strategy
- Deposit & Loan Growth
- COI Partnerships
- CX Coaching & Retention
- KYC/Documentation Integrity
- Fraud & Loss Prevention
- Audit Readiness
- Staffing & Team Development
- Salesforce and Encore Platforms
- Retail & Branch Banking Systems
- Deposit & Lending Platforms
- Compliance & Risk Reporting Tools
- Microsoft Office Suite
- Customer Insight Dashboards
Accomplishments
- Grew branch deposit portfolio 92% in 5 years ($40M → $77M) at Investors Bank.
- Consistently exceeded annual branch sales goals by 50%+ year-over-year.
- Delivered zero critical audit findings across branch leadership tenure.
- Operating at 108% YTD audit and compliance scorecard pace.
- Expanded consumer and SMB deposit + lending portfolios through segmented COI partnerships.
- Reduced new-hire ramp-to-competency time by 25-40% via structured onboarding and coaching ownership.
Timeline
Branch Assistant Manager
TD Bank
02.2015 - Current
Branch Manager
Investors Bank
02.2007 - 09.2012
Assistant Branch Manager
Investors Savings Bank
08.2006 - 02.2007
Associate of Business Administration -
Union County College