Josefina Delacruz
New York,NY
Summary
Results-driven banking professional skilled in risk management and team leadership. Enhanced client relationships through tailored financial solutions and operational initiatives, achieving increased referral rates and customer satisfaction.
Overview
26
26
years of professional experience
1
1
Certification
Work History
Senior Banker
Bank of America
New York, NY
08.2023 - Current
- Designed and implemented personalized financial strategies to enhance client relationships and loyalty.
- Promoted operational excellence by implementing risk management initiatives within branch and enhancing operational stability.
- Mentored new Relationship bankers on best practices in customer service and compliance standards.
- Collaborated with resources and partners to support clients in reaching their financial aspirations.
- Educated clients on digital banking tools, increasing adoption rates and operational efficiency.
- Conducted regular training sessions on regulatory changes to ensure adherence across the team.
- Developed long-lasting relationships with clients, resulting in an expanded customer base and increased referrals.
- Leveraged networking events to build connections with potential clients, fostering brand awareness in target markets.
Concierge
Citibank, NA
New York, NY
05.2022 - 08.2023
- Facilitated customer transactions efficiently, providing exceptional service and resolving inquiries promptly.
- Managed daily banking operations, ensuring compliance with financial regulations and internal policies.
- Collaborated with team members to streamline processes, improving transaction accuracy and reducing wait times.
- Maintained strict compliance with all banking regulations, ensuring a secure and trustworthy environment for clients.
- Opened, closed, and updated accounts for customers.
- Educated customers on features and benefits of banking products and services.
FSA
TD Bank
New York, NY
11.2021 - 01.2022
- Delivered tailored financial solutions to meet diverse client needs.
- Assisted clients in understanding product features and benefits, enhancing customer satisfaction.
- Conducted thorough financial assessments, ensuring accuracy in recommendations provided to clients.
- Provided expert guidance on retirement planning, helping clients achieve their financial goals while mitigating potential risks.
- Conducted regular portfolio reviews with clients, ensuring investment strategies remained aligned with their evolving financial objectives and risk tolerance levels.
Agent
New York Life Insurance Co
New York, NY
11.2018 - 06.2021
- Developed tailored insurance solutions to meet client needs and financial objectives.
- Conducted comprehensive policy reviews to ensure compliance with regulatory standards.
- Collaborated with team members to implement effective marketing strategies for new products.
- Maintained accurate records of client communications, transactions, policies, and other relevant documentation for seamless operations within the agency.
- Enhanced client portfolio by identifying and securing new partnerships.
- Collected, arranged, and input information into database system.
Manager in Training
American Eagle Outfitters, Inc
New York, NY
11.2016 - 10.2017
- Led daily operations to enhance customer experience and drive store performance.
- Trained and developed team members to improve product knowledge and sales techniques.
- Implemented visual merchandising standards to optimize product presentation and attract customers.
- Analyzed sales data to identify trends and adjust inventory levels accordingly.
- Managed cash handling procedures to maintain financial accuracy and security in store operations.
- Used company reports to analyze sales, gross profit and inventory activities.
Store Manager
Starbuck Coffee
New York, NY
05.2000 - 06.2016
- Managed daily operations to optimize store performance and enhance customer satisfaction.
- Facilitated comprehensive training sessions that encouraged a culture of excellence and prioritized employee development.
- Implemented inventory management strategies, reducing waste and improving stock accuracy.
- Analyzed sales data to identify trends and adjust merchandising strategies accordingly.
- Resolved customer issues promptly, enhancing loyalty and positive brand perception.
- Managed inventory control, cash control, and store opening and closing procedures.
- Managed recruitment and executed annual evaluations, delivering feedback aimed at fostering professional growth and identifying potential opportunities.
Education
Business Administration And Management
Brooklyn College
Brooklyn, NYHigh School Diploma -
Samuel J Tilden H.S
New York06.1998
Skills
- Operational efficiency
- Customer relationship management
- Risk management policies
- Time management
- Multitasking
- Reliability
- Organizational skills
- Team leadership
- Effective communication
Accomplishments
Licensed Notary Public, Achieved corporate title of Officer, Volunteer Ambassador, Voted employee of the month, Life and health license for NY, Achieved Circle of Excellence over four quarters consecutively.
Certification
Notary License
Life and Health License in NY
NYC Health Department Certification
Timeline
Senior Banker
Bank of America
08.2023 - Current
Concierge
Citibank, NA
05.2022 - 08.2023
FSA
TD Bank
11.2021 - 01.2022
Agent
New York Life Insurance Co
11.2018 - 06.2021
Manager in Training
American Eagle Outfitters, Inc
11.2016 - 10.2017
Store Manager
Starbuck Coffee
05.2000 - 06.2016
Business Administration And Management
Brooklyn College
High School Diploma -
Samuel J Tilden H.S