KARISHMA GWALANI
Toronto,Canada
Summary
IFIC-certified Personal Banker with a comprehensive background in banking, investments, and mortgage solutions. Experienced in assessing client needs, delivering tailored financial strategies, and driving business growth through cross-selling and referrals. Proven track record in managing client relationships, achieving and exceeding sales targets, and ensuring compliance with regulatory and organisational standards. Skilled at providing personalised advice on registered accounts, mortgages, and wealth management solutions while fostering strong customer engagement and satisfaction. Recognised for combining financial expertise with exceptional interpersonal skills to deliver results in fast-paced, client-focused environments.
Overview
4
4
years of professional experience
Work History
Personal Banker
TD Canada Trust
11.2025 - Current
- Delivered personalized financial solutions by assessing customer needs and recommending appropriate banking products, including chequing and savings accounts, credit cards, lines of credit, personal loans, registered accounts (RRSP, TFSA), and mortgages
- Built and maintained strong client relationships through proactive engagement, follow-ups, and financial reviews
- Achieved individual and branch sales targets by identifying cross-selling and upselling opportunities while maintaining a customer-first approach
- Conducted KYC, AML, and fraud-prevention checks to ensure regulatory compliance and risk mitigation
- Collaborated with branch team members to support daily operations and contribute to a positive, high-performance work environment
Universal Banker
CIBC
10.2024 - 02.2025
- Delivered tailored financial advice and solutions to retail clients, promoting CIBC’s full suite of banking products, including investment products
- Conducted needs-based financial assessments and provided recommendations aligned with client goals and risk profiles.
- Exceeded sales and high-net-worth clients referral targets through proactive client engagement, cross-selling, and relationship-building strategies.
- Utilized CRM tools and digital banking platforms to track client interactions, manage pipelines, and deliver a seamless client experience.
- Resolved customer inquiries and concerns with a high level of professionalism, ensuring high client satisfaction and loyalty.
Mobile Financial Sales Representative
CIBC
07.2023 - 09.2024
- Approached customers and engaged in conversation through use of effective interpersonal and people skills.
- Developed innovative methods to market, present, and sell services that resulted in recognition as a top company salesperson in several different sales periods.
- Identified opportunities for cross-selling additional products or services.
- Analyzed customer profiles to recommend appropriate credit cards based on individual financial situation.
- Demonstrated strong knowledge of banking laws
Rogers Technical Sales Representative
NTT
06.2022 - 07.2023
- Assisted customers with various types of technical issues via email, live chat and telephone.
- Assisted customer in understanding products, components and systems using technical demonstration.
- Created and implemented new troubleshooting processes, improving efficiency and customer satisfaction while reducing costs.
- Verified that all changes were properly documented prior to implementation in production environment.
Education
CIFC/IFIC
Canadian Investment Fund Course
09.2024
Graduate Certificate - Broadcasting Performance And Digital Media
Conestoga College
Kitchener, ON04.2022
Masters - Journalism and Mass Communication
MS University
India04.2019
Bachelor of Commerce - BCom
MS University
India04.2017
Skills
- IFIC certified
- Retail Banking & Credit Solutions
- Financial Needs Analysis
- Compliance & Regulatory Knowledge
- CRM Software
- Sales Development & Revenue Growth
- Communication & Interpersonal Skills
- Team Training & Leadership
- Relationship building
- Financial planning
Timeline
Personal Banker
TD Canada Trust
11.2025 - Current
Universal Banker
CIBC
10.2024 - 02.2025
Mobile Financial Sales Representative
CIBC
07.2023 - 09.2024
Rogers Technical Sales Representative
NTT
06.2022 - 07.2023
Graduate Certificate - Broadcasting Performance And Digital Media
Conestoga College
Masters - Journalism and Mass Communication
MS University
Bachelor of Commerce - BCom
MS University
CIFC/IFIC
Canadian Investment Fund Course