Karina R. Villanueva

Assumes responsibility for the efficient, effective, and accurate performance of teller functions by representing the Credit Union in a courteous and professional manner. Receives share deposits and loan payments. Disburses cash or check withdrawals. Processes cash advances, travelers' checks, cashiers' checks, money orders, and wire transfers. Verifies transactions. Monitors deposit amounts and examines documents for endorsement and negotiability. Detects and resolves discrepancies promptly. Balances daily transactions and verifies cash totals. Investigates and resolves out-of-balance conditions. Assures that appropriate records are maintained, and required reports are prepared. Answers questions and solves problems for members by listening to their problems, collecting data, securing answers, and reporting results to the inquiring party. Resolves member bookkeeping and checking account problems. Take stop-payment orders. Orders checks for members' accounts. Completes appropriate forms for members' needs. Acts as a liaison between members and various organizations and departments. Keeps the supervisor informed of area activities, any significant problems, or concerns. Maintains member account information on the computer system and ensures the privacy of member account information. Performs file maintenance and account changes as needed. Performs other duties as assigned, including but not limited to drive-up service and night drop functions as assigned. Ensures that the work area is clean, secure, and well maintained. Performs related clerical duties, and attends meetings as required.

Conducted comprehensive client reviews to identify needs and recommend appropriate solutions. Developed detailed wealth management strategies to meet clients' long-term objectives.

Provided complex financial services to high-net-worth individuals and families. Analyzed client portfolios for risk tolerance, liquidity requirements, tax implications, and investment goals. Prepared presentations on current market trends for potential new clients. Reviewed legal documents such as wills, trusts, and estate plans for accuracy and compliance with regulations. Advised clients on portfolio diversification techniques through a range of products including stocks, bonds, mutual funds, ETFs, options, futures contracts.

Performs inventory control duties involving the use of manual records and automated systems Fuel Manager Defense and Enterprise Business Systems for the Bulk Fuel Terminal. Receives, reviews, reconciles, and submits fuel supply transactions, issues, receipts, transfers, re-issue, secondary sales, etc. Researches and resolves discrepancies and responds to customer, vendor or DLA inquiries. Performs research to determine reasons for patterns of transaction errors or failures. Assists in resolving problems regarding update of automated records. Investigates irregularities or deficiencies in inventory variances and analyzes data for trends and patterns, Documents results of analysis and reports findings and recommendations. Monitors and investigates gains and losses of all DLA products. Computes estimated future requirements for fuel products by analyzing reports showing past consumption and current trends, to include seasonal fluctuations and operational requirements, to ensure operational requirements will be met. Submits monthly requisitions to DLA Energy. Assists higher graded personnel on special projects or on extremely complex or unusual situations concerning fuel shipments, receipts or loss/gain adjustments. Maintains manual and automated document files. Compiles information and prepares routine forms and reports.

Provides administrative support to the Family Advocacy Program, to include meeting preparation and administrative notification and documentation requirements. Conducts standardized record keeping and performs quality assurance in accordance with established accreditation standards for specific administrative requirements. Performs data entry for various program services database. Schedules the Family Advocacy Committee quarterly meetings and sends notification to FAC members, prepares agenda and meeting space, at the direction of FAR or Clinical Supervisor. Assists with maintaining and organizing records of FAP trainings, Counseling Desk Guidance, and FFSP Certification Standards, in accordance with Regional and local Standard Operating Procedures. Supports site outreach activities by maintaining resources and may accompany other FAP staff on outreach activities as appropriate. Supports FAP staff with awareness month activities, as directed. Serves as mandated reporter of suspected domestic violence, suspected child abuse/neglect and child sexual abuse cases.

Providing superior customer service while handling a high volume of calls, electronic chat conversations, and daily tasks .Individual is responsible for general handling of account and loan, credit card inquiries. Building relationships with members and small businesses. Demonstrating genuine interest in member calls. Providing IRAs and investment support, rates and RMD’s. Deescalating calls and problem solving. Present options to customers to improve their banking accessibility and convenience. Keep risk compliance and customer experience top of mind.

Assist clients with checking in their pets and deal with billing, payment plans. Refill medication and escort animals in and out of the clinic .In charge of all the billing for the whole facility such as gas/electricity, pharmaceuticals orders, equipment orders. In charge of all ordering of supplies, checks, direct deposit slips, special orders for doctors. Assist in doing blood work tests and also holding the animals. Knowledge of QuickBooks, Word, Excel, and POS systems.

Build lifelong relationships with customers, both consumer and small business. Demonstrate genuine interest in customers and asking questions to understand their priorities using permission and three-point value statements. Develop customer plans to help them meet their financial goals. Develop strong relationships with other Wells Fargo partners to generate referrals and increase business. Assist dissatisfied customers and handle customer complaints. Present options to customers to improve their banking accessibility and convenience. Keep risk compliance and customer experience top of mind. SAFE and Loan Originator registered. Wells at Work and Business Advocate, holds. Notary and Medallion Stamp Guarantee certificates.

Provide clients a full range of banking products and services. Analyze, research and resolve problems and discrepancies related to member accounts/loans. Assist members with submitting consumer loan, overdraft protection and credit card applications. Proper handling of cash and negotiables. Identify opportunities to cross service products and increase product penetration. Perform platform banking functions. Understand and comply with federal and other regulations relating to financial products and services. Assisted with Branch Office vault opening, closing and balancing procedures. Served as a Branch Office and ATM vault custodian. Perform other duties as assigned. GEM (Guiding and Engaging Members) Asia Pacific Champion Level One Authority.

Provide bank teller services to customers; refer customers to branch representatives for additional bank services. Record transactions by logging cashier's checks, traveler's checks, and other special services, preparing currency transaction reports. Cross-sell bank products by answering inquiries; informing customers of new services and product promotions; ascertaining customers' needs.