Jose Luis Goncalves

• Develop the international banking (mostly LATAM) of Grove Bank & Trust, which for 97 years only handled domestic banking.

• Developing international portfolio by more than $18M in the fisrt year.

• Opening more than 70 accounts in the first year.

• Improving existing portfolio clients by cross-selling products(Mortgages, Construction loans, portfolio ivestments) and expanding commitment by 15%.

• Business agreement with COI's to serve and develop banking relationships with clients in Chile, Argentina, Uruguay, Colombia, Peru, etc.)

• Build relationships with clients and families to establish long term relationships.

• Minimize potential risks by performing thorough due diligence on each client. This analysis includes a contact via video call (Zoom, Google meet, etc.) whose recording is placed in the KYC or client profile, for BSA purposes and any other area involved in the business process.

• BSA requests, answering KYC, ECS and RFI's on a quarterly basis.

• Close relationship with Compliance Department to ensure all policies and

procedures are being followed on a quarterly basis.

• Developing Latam portfolio by more than $18M in new funds yearly.

• Capturing new banking relationships by opening more than 300 accounts

yearly.

• Improving existing portfolio clients by cross-selling products and

expanding commitment by 20% a year.

• BSA requests, answering KYC, ECS and RFI's on a quarterly basis.

• Close relationship with Compliance Department to ensure all policies and

procedures are being followed on a quarterly basis.

• Supported Account Officer in developing Latam portfolio.

• Cross-sold Bank's products within existing portfolio over 800 clients.

• Promoted business for Bank by maintaining good customer relations and

boosted sales by 20%.

• Support for BSA account activity reports (ECS, RFI's, KYC's etc.).

• Supported Account Officer during business travels to ensure portfolio is

serviced for weekly periods

• Capturing new banking relationships by opening more than 500 accounts

yearly.

• Cross-sold Bank's products within existing portfolio over 1500 clients.

• Delivered prime customer service by accurately identifying customer

needs and evaluating, resolving and responding to customer inquiries

about products and services.

• Support for BSA account activity reports (ECS, RFI's, KYC's etc.

• Deposit growth.

• Deposit certificates placement.

• Interest rates negotiation.

• Business proposals for atm's, pos, and tax collection municipalities.

• Management large customer portfolio. (personal and companies).

• Financial products management.

• Operations through the Venezuelan exchange and financial system.

• Portfolio management in Banesco Usa, Banesco Panama and Pershing.

• Direct sales.

• Recruiment and search of new customers.

• Portfolio maintenance.

• Check the quality service of customer service.

• Analysis to customers business proposals.

• Management of trannsactions in the stock market: Bond issues, currency

exchange operations, multy currency securities placement.

• Variable and fixed market transactions.

• Recruiment and search of new customers*