JILEEN ARENAS
Jersey City,NJ
Summary
Dedicated and results-oriented financial professional with 10-year background in consumer and business financing, customer service, and bank standards. Committed to meeting strict deadlines and adapting to new situations and challenges to best enhance the organizational brand. Dependable candidate successful at managing multiple priorities with a positive attitude.
Overview
7
7
years of professional experience
Work History
Integrated Payments Underwriting Specialist
BLAZE
06.2022 - Current
- Assist merchants with accurately completing applications for integrated payment products (CATM, ACH, Pin Debit) for retail and delivery cannabis businesses
- Review documentation required such as licenses, permits, business formation documentation, and other compliance documents necessary to operate in cannabis industry
- Determine and document merchant agreement conditions and communicate requirements and decisions to cannabis merchants in timely manner
- Identify and resolve application discrepancies for accuracy and compliance with relevant regulations in cannabis industry
- Assess and advise on payments product utilization with customer outreach and support .
- Built strong relationships with partners, brokers and clients for constructive communications.
- Scrutinized underwriting performance to identify weaknesses in process and successfully increased approval rate by 80%.
- Develop and implement underwriting policies and procedures to create improved sales cycle.
- Ensure relevant data pertaining to all sales deals is accurate as Hubspot Administrator and create automations to increase speed of sales/underwriting process.
- Maintain current understanding of market conditions, compliance standards and best practices in cannabis industry.
Underwriting Bank Verification Manager
Pearl Capital
03.2019 - 06.2022
- Gather all financial records from clients through multiple servers and databases such as Decision Logic, Screenshare Software, and traditional online banking platforms.
- Review financial documents for authenticity and formulate data in Microsoft Excel to serve as analysis reports for underwriter.
- Identify potential risks resulting from client's bank account activity, underwriting investigations or due diligence reports.
- Verify proper repayment terms, contact info, and bank account details for applications before they are funded by cross-checking information in SalesForce.
- Interview, hire, and train personnel to improve department efficiency and maintain high conversion rate for potential clients.
- Listen attentively to client feedback and work with IT department team to introduce new services for improvement of verification process.
Teller Services Manager
TD Bank
01.2019 - 03.2019
- Managed overall daily store operations by reviewing reliability of new personal and business account openings (NAMES).
- Demonstrated dedication to continuously improving sales abilities by pacing over 100% towards individual sales goal and exceeding expectations each quarter.
- Supervised, coached and mentored teller and platform staff in absence of Store Manager or Assistant Store Manager.
- Assisted in minimizing potential losses by researching each item before approval (up to $250,000) and using sound judgment to prevent fraud.
- Ensured that all security and audit procedures were followed to minimize potential risk and remain in compliance.
- Assisted in managing Cash Recap, Cash Master reporting and cash limits in accordance with teller operation standards.
- Monitored team performance, adhered to service level agreements (SLAs) and provided detailed job training.
Store Supervisor
TD Bank
11.2017 - 01.2019
- Supervised teller and platform teams in absence of Sales and Service Manager and Teller Service Manager.
- Lead operational standards of Store, including but not limited to cash handling, control of negotiable items, preventing fraud, and managing controllable expenses.
- Coached team members to focus on customer experience by having needs-based conversations and offering financial solutions to meet Customers' needs.
- Submitted variety of loan applications (personal / Home Equity/ Commercial) to loan underwriters for verification and recommendation.
- Approved financial transactions, up to $100,000, using sound judgment to minimize risk and potential losses from fraud.
- Ensured team members fully completed required training prior to servicing Customers.
- Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
Customer Service Representative
TD Bank
10.2016 - 11.2017
- Conducted needs-based conversations and offered financial solutions to meet Customers' needs
- Originated loan applications (personal/Home Equity), prepared documents and conducted loan closings
- Consistently executed appropriate behaviors to deliver Legendary Customer experience in Store
- Made quality referrals to appropriate partners such as TD Ameritrade
- Responsible for meeting individual performance metrics and successfully paced over 100% each quarter
- Responsible for making sound decisions and timely problem resolution
- Proactively reached out to Customers to deepen relationships through needs-based conversations and generate loyal clientele
- Demonstrated proficiencies in settlement of ATM, negotiable items, and other bank related equipment
- Opened and serviced variety of different accounts
Skills
- Microsoft Excel/Office
- SalesForce / Hubspot CRM
- Fraud Detection
- Underwriting Experience
- Data Entry Expertise
- Bank Deposit Analysis
- File and Data Management
- Invoice verification
- Team Leadership
- Sales Expertise
- Multitasking abilities
- Time Management Skills
- Application verification
Timeline
Integrated Payments Underwriting Specialist
BLAZE
06.2022 - Current
Underwriting Bank Verification Manager
Pearl Capital
03.2019 - 06.2022
Teller Services Manager
TD Bank
01.2019 - 03.2019
Store Supervisor
TD Bank
11.2017 - 01.2019
Customer Service Representative
TD Bank
10.2016 - 11.2017
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