Ibtisam Tahir

Assisted separated 401(k) participants with understanding retirement plan distribution options including rollovers, IRAs, and plan retention strategies. Supported clients in grasping financial and tax implications of rollover decisions for effective retirement planning. Guided participants through available options to retain assets and recommended solutions aligned with their goals. Conducted outbound and scheduled consultations with recently separated employees. Fostered client relationships through clear communication, financial education, and problem resolution. Helped prevent asset outflows by promoting firm IRA and retirement solutions as preferred options. Maintained compliance with regulatory and fiduciary standards in retirement planning discussions. Collaborated with internal teams to process rollovers, account transitions, and client service requests efficiently.

Achieved successful outcomes by conducting outbound financial advisory appointments with 401(k) participants to review retirement plans and investment strategies. Discovered outside assets through effective consultative conversations and financial discovery processes. Drove asset consolidation and new business growth by presenting the firm’s wealth management and advisory services. Established trust with clients through personalized financial planning discussions and retirement strategy recommendations. Converted qualified participants into advisory clients by demonstrating the value of firm-managed solutions. Maintained compliance with financial regulations and company policies during all client interactions. Exceeded performance goals related to asset gathering, client engagement, and service adoption.

• Managed a book of business with more than $100M+ of deposit and investment assets, regularly called clients to uncover investing and financial planning needs.
• Sent client referrals and organized virtual meetings with their dedicated Wealth Advisor for financial planning conversations.
• Developed and maintained strong relationships with clients to maximize satisfaction.
• Helped clients make informed decisions about financial future.
• Presented financial plans and investment recommendations to clients by collaborating with Wealth Advisor.
• Monitored and updated financial plans to comply with client goals.

• This role carries many of the same responsibilities as the CRA position, however, in this role, I assisted almost exclusively, Fidelity’s Premium account clients
• Worked with clients who have $250,000.00 or more in investable assets with the firm
• Excellent customer service skills are of the utmost importance on every interaction with a Premium client as clients expect it due the trust they have placed in Fidelity to manage their large assets
• As a HNW associate, the most crucial role is to service Premium clients with their Fidelity managed accounts
• These are accounts that clients have given Fidelity control over investment decisions
• I worked closely with clients and their Financial Consultants, Investment Consultants, and Portfolio Specialists to assist them with funding, withdrawing, and general money movement activities
• Recognized with the Q4 2018 “Excellence In Action” award for “Owning The Outcome” for volunteering to mentor new hires on our team, for taking the initiative of facilitating teaming meetings when our supervisor could not attend, and for offering assistance to my teammates with IT issues when the IT department was experiencing extended unavailability.

• Responsible for providing service on retail investment accounts such as IRA and Individual Brokerage accounts
• These services include providing trading services for stocks, mutual funds, and ETF’s among other investments, in the form of placing trades for clients over the phone or educating clients on how to place their own trades on Fidelity.com
• Other job duties included providing account balances, educating clients on impact of certain transactions, such as possible tax or penalty consequences of IRA withdrawals, explaining gains and losses, wash sales, etc
• Discussed corporate actions, helped with online access, coded accounts to trade penny stocks or in the extended market hours, and other responsibilities of this nature were part of my duties.

• Worked in the Retirement and Benefits Contact Center with the responsibility of effectively communicating with Merrill Lynch 401k participants in over 1200 retirement plans
• Daily activities included assisting 401k plan participants with financial transactions and inquiries, including; stock and mutual fund trades, 401k loans, withdrawals, and options exercises
• Other job responsibilities were to accurately educate participants on 401k rules and regulations such as 402(g) limits, plan sponsor restrictions and rules, hardships, as well as when/how 401k funds are accessible and subsequent taxation and/or penalties
• After obtaining Series 7 & 63 licenses, was cross trained to also handle company-sponsored Equity plans, which includes assisting participants on exercising stock options, answering questions regarding cash balances in the participant’s brokerage account and selling stock from the brokerage account
• Very fast-paced environment, often juggling taking inbound calls while finding opportunities to make outbound calls to follow up with participants after doing research for specific questions that were not readily available
• Averaging anywhere between 70-100+ calls per day
• Identifying “asset retention” opportunities where possible in an effort to retain participant assets with the business as opposed to withdrawal or rollover to another institution by educating participants on products and services offered by Merrill Lynch, such as IRA’s or brokerage accounts

• Responsible for obtaining lead information from potential clients calling in regards to ADT services
• Primarily dealt with customers who have purchased a home with ADT security equipment preexisting and persuading new homeowner to activate service and begin a monitoring contract
• Customer service environment with emphasis on sales
• Also responsible for speaking with previous clients who had terminated services with ADT in the past and inquiring about restarting service
• Promoted to full sales position after three months of employment and eventually given responsibility of responding to all categories of sales inquiries including; new acquisitions, reactivations, upgrades, add-ons, billing, and some technical support
• Maintained knowledge of all ADT pricing and promotions as well as constant changes including internal company policies and changes that affected customers’ services
• Also carried manager’s phone 2-3 times per week when manager calls were backed up, new sales classes came onto the floor, or when other sales representatives had questions for a manager.

• Responsible for developing and maintaining excellent relations with new and existing customers resulting in an increased levels of customer retention
• Maintain excellent knowledge of Citigroup’s portfolio of products and services in order to understand customers’ needs
• Responsible for responding to incoming requests for cancellation of services and persuading the customers to remain with Citi
• Proactively speak with customers who are identified as at risk of cancellation and ensure that every opportunity to retain these customers is investigated
• Communicating with clients in a manner that builds rapport and ensures loyalty to the business.