Karen Concepcion
Laurel,MD
Summary
Adaptable professional with a quick-learning ability and a talent for adjusting to new environments. Skilled in rapidly acquiring new knowledge and applying it effectively. Driven by a passion for continuous learning and successfully navigating change.
Overview
9
9
years of professional experience
Work History
Senior Treasury Specialist
Sandy Spring Bank
Columbia, MD
03.2024 - Current
- Investigate discrepancies in bank account balances and reconcile them accordingly.
- Maintain general ledger and chart of accounts, perform complex accounting functions such as journal entry preparation, account analysis, balance sheet reconciliation and preparation of quarterly financial statements.
- Efficiently processed daily EFT, ACH, and Wire transactions including affidavits, ACH non-post, and incoming and outgoing transfers.
- Participate in projects to enhance the Treasury and EFT Services department efficiencies, products and services.
- Review daily ACH activity to ensure compliance with NACHA Operating Rules and Regulations.
- Perform ACH origination functions, including batch creation, balancing, and submission to the Federal Reserve Bank.
- Monitor customer accounts for suspicious activities regarding unauthorized access or attempts at fraud.
- Compile reports on all outgoing and incoming ACH transactions for management review.
- Delivered precise and prompt replies to client questions on account details.
- Answer inquiries and requests from internal units pertaining to treasury management.
- Monitored daily bank balance sheets to ensure all transactions are accurately recorded in internal systems.
- Utilized BST, FIS, eWire, and Optima for discrepancy resolution.
Trust Operations Specialist
Sandy Spring Bank
Olney, MD
09.2022 - 03.2024
- Managed bill-paying system, ensuring all bills were paid through the online system.
- Reviewed disbursement maps and invoices.
- Reconciled trading accounts, processed money market trades, reconcile money market balances, and accruals.
- Processed and post incoming ACH and checks
- Processed transactions including contributions, distributions and mutual fund trades as directed by Retirement Plan administrator.
- Assisted with printing and mailing of statements, send electronic files to vendors, move money for custodian income and fees.
- Reconciled various types of accounts.
- Reviewed fee calculation worksheets created in Excel.
- Responded to requests promptly and serve as a technical resource to Trust Operations Team.
- Processed incoming wire transfers and other cash movements into trust accounts.
- Reviewed trust documents to ensure accuracy and compliance with regulations.
- Assisted with special projects as requested by management team members.
Associate Banker
Wells Fargo
05.2017 - 08.2022
- Assisted consumer and business clients with deposits, withdrawals, and other financial needs
- Communicated effectively with clients to understand their needs and direct them to a relevant specialist
- Opened new accounts; offered credit cards and loan opportunities; recommend financial solutions based on client goals; processed reports in regards to account openings and closings, sales referrals, customer satisfaction, credit card applications and approvals
- Completed necessary file maintenance for customer requests to change beneficiaries, add power of attorney, name changes, and account type changes
- Developed relationships with other banking partners to be able to refer clients and improve their customer service experience with detailed recommendations and in-depth knowledge of partner services
- Presented options to clients to make banking convenient and easy; shared and set up 24/7 online account access and other self-service options; identify and respond to problems with dissatisfied clients; resolved clients issues or refer to supervisor when necessary; developed targeted investments strategies
- Met regularly with supervisor and management team to review sales goals; design plan to meet and exceed goals on a monthly basis
- Developed tailored solutions to meet individual banking needs
- Developed customized solutions of deposit, lending and other products for small business customers
- Prospected for new business through networking, community outreach and customer referral generation
- Upheld stringent bank standards for loans, money handling and legal considerations
- Performed loan servicing functions to check compliance with applicable terms and conditions
- Assisted customers with setting up or closing accounts, completing loan applications and signing up for new services
- Evaluated client financial positions and identified most appropriate banking products
- Provided advice on different bank products and financial options
- Managed escalated phone calls by applying conflict resolutions skills and extensive knowledge of bank policies, products and services
- Balanced teller drawers and ATM cash.
Teller
Wells Fargo
08.2015 - 05.2017
- Processed customers' deposits, withdrawals, and payments in a timely professional manner at a high-volume branch
- Balanced ATM and cash drawers
- Assisted in ordering, receiving, verifying, and distributing cash
- Connected customers with bankers when needed
- Ensured customer satisfaction with patience, open-mindedness, and a positive attitude
- Identified sales opportunities and referred customers to branch partners in financial services
- Counted, verified and handled bank deposits and armored car transactions.
Education
Eleanor Roosevelt High School
Greenbelt, MD06-2011
Skills
- Cash Management
- Accounts Administration
- Accounts Payable and Receivable
- Mutual Fund
- Account and Ledger Reconciliations
- Data Inputting
- Regulatory Compliance
- Issue Resolution
- Corporate Finance
- Risk Management
Timeline
Senior Treasury Specialist
Sandy Spring Bank
03.2024 - Current
Trust Operations Specialist
Sandy Spring Bank
09.2022 - 03.2024
Associate Banker
Wells Fargo
05.2017 - 08.2022
Teller
Wells Fargo
08.2015 - 05.2017
Eleanor Roosevelt High School
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