KRISTIN GUTIERREZ
Asheboro,NC
Summary
Banking professional with extensive experience in operational risk management and regulatory compliance. Proven track record in analyzing performance data to identify weaknesses and implement corrective measures. Committed to coaching teams on compliance and risk management, ensuring adherence to policies while optimizing operational processes in a competitive market.
Overview
1
1
Certification
21
21
years of professional experience
Work History
Branch Manager
JPMORGAN CHASE BANK
10.2025 - Current
- Oversee daily branch operations with a strong focus on regulatory compliance, internal controls, operational risk, and adherence to established policies and procedures.
- Monitored operational activity and performance reports to identify gaps, emerging risks, and opportunities for process improvement; developed and implemented targeted action plans.
- Evaluated branch processes and employee practices to identify control weaknesses and reinforced appropriate risk-management behaviors.
- Maintain compliance with regulatory requirements, internal policies, and operational procedures through ongoing monitoring and team accountability.
- Provide daily coaching and guidance to employees on operational expectations, policies, procedures, and risk-aware behaviors.
- Led branch operations in a regulated financial-services environment, balancing customer service with operational effectiveness and risk mitigation.
- Supported the launch and ongoing management of the first Chase branch in the area, establishing operational processes and controls within a new market.
Financial Center Manager
BANK OF AMERICA
04.2015 - 09.2025
- Oversaw financial center operations with responsibility for regulatory compliance, internal controls, operational risk, and adherence to company policies and procedures.
- Led teams in a highly regulated environment while maintaining accountability for operational controls, policy adherence, and customer protection.
- Reinforced compliance and risk-management expectations through employee coaching, performance evaluations, and operational briefings.
- Conducted monthly operational reviews to assess compliance, identify control gaps, and implement mitigation strategies for operational risks.
- Analyzed operational and performance reports to identify trends and gaps, developing targeted action plans and tracking their effectiveness.
- Performed routine inspections to identify process breakdowns, control weaknesses, and opportunities to strengthen operational effectiveness.
- Prepared teams for daily operations by communicating business priorities, operational requirements, and potential client or process risks.
Market Financial Center Manager
BANK OF AMERICA
02.2022 - 07.2023
Financial Center Assistant Manager
BANK OF AMERICA
09.2018 - 02.2022
Relationship Manager
BANK OF AMERICA
04.2015 - 09.2018
Retail Store Manager
SPRINT WIRELESS
08.2011 - 04.2015
- Managed store operations while maintaining company standards and customer-service requirements.
- Led daily store operations and ensured compliance with company policies.
- Supervised daily retail operations, coordinating staff scheduling, inventory management, and customer service.
- Conducted monthly inventory assessments to ensure accuracy and operational accountability.
- Built business relationships to enhance customer loyalty and support operational performance.
Retail Store Assistant Manager
SPRINT WIRELESS
12.2009 - 08.2011
Lead Retail Consultant
SPRINT WIRELESS
07.2006 - 12.2009
Retail Consultant
SPRINT WIRELESS
08.2005 - 07.2006
Education
Associate Degree -
Miami Dade College
01-2003
High School Diploma -
South Miami Senior High School
06-2001
Skills
- Regulatory Compliance
- Internal Controls
- Operational Risk Management
- Risk mitigation
- Control gaps
- Process Improvement
- Process monitoring
- Audit Readiness
- Policy and procedure Adherence
- Operational Inspections
- Root Cause Analysis
- Corrective Action Planning
- Data analysis
- Issue resolution
- Risk-based decisions
- Compliance coaching
Certification
- Notary Public
Timeline
Branch Manager
JPMORGAN CHASE BANK
10.2025 - Current
Market Financial Center Manager
BANK OF AMERICA
02.2022 - 07.2023
Financial Center Assistant Manager
BANK OF AMERICA
09.2018 - 02.2022
Financial Center Manager
BANK OF AMERICA
04.2015 - 09.2025
Relationship Manager
BANK OF AMERICA
04.2015 - 09.2018
Retail Store Manager
SPRINT WIRELESS
08.2011 - 04.2015
Retail Store Assistant Manager
SPRINT WIRELESS
12.2009 - 08.2011
Lead Retail Consultant
SPRINT WIRELESS
07.2006 - 12.2009
Retail Consultant
SPRINT WIRELESS
08.2005 - 07.2006
Associate Degree -
Miami Dade College
High School Diploma -
South Miami Senior High School