KRISTINA MARIE ALVAREZ
Houston,United States
Summary
Experienced banking operations professional with 7 years in branch banking and more than 20 years in customer service and sales. Strong background in cash handling, fraud prevention, and financial security, with proven success in ensuring compliance with custody controls, regulatory guidelines, and fraud detection protocols. Skilled at overseeing currency processing, cash inventory management, and risk assessments, while training staff and optimizing daily branch operations. Recognized for problem-solving, attention to detail, and a customer-focused approach in high-volume financial environments. Recently expanded into treasury management, gaining exposure to business banking services while continuing to deliver reliable client support and operational efficiency.
Overview
22
22
years of professional experience
1
1
Certification
Work History
Treasury Management Specialist
Bank of Houston
09.2025 - Current
- Serve as the primary point of contact for new and existing business clients during onboarding and implementation of treasury services (ACH, RDC, Positive Pay, wire transfers, online banking platforms).
- Coordinate and facilitate the collection of required documentation and agreements to ensure smooth service activation.
- Configure and set up treasury management services within bank systems with accuracy and efficiency.
- Provide comprehensive training to clients on treasury platforms and services.
- Troubleshoot and resolve implementation issues promptly, ensuring minimal disruption to client operations.
- Deliver ongoing, high-quality customer service by addressing inquiries, resolving issues, and guiding clients on product utilization.
- Act as liaison between clients and internal departments (operations, IT, lending) to ensure timely resolution of complex issues.
- Proactively identify opportunities to enhance client satisfaction and strengthen long-term relationships.
- Maintain thorough knowledge of treasury management products, services, and regulatory requirements.
Branch Operations Coordinator
Wells Fargo Bank, N.A.
03.2024 - 03.2025
- Conducted regular audits to ensure compliance with company policies and industry regulations.
- Increased referrals to Bankers from 14 to 25 referrals per month
- Enhanced customer satisfaction through effective communication and prompt resolution of issues.
- Assisted the branch manager with staff scheduling, ensuring adequate coverage during peak hours and upcoming holidays.
- Directed daily cash operations, ensuring compliance with custody controls, inventory tracking, and regulatory procedures.
- Processed routine to moderately complex transactions, operational, and customer support tasks efficiently through knowledge of bank procedures and products and partners across the organization.
- Motivated diverse team to achieve full potential and meet established business objectives.
- Resolved issues related to the daily operations of the teller line by providing strong customer service skills, listening, eliciting information, and comprehending customer issues.
- Performed detailed reviews and approvals of financial transactions to detect potential fraud, ensuring adherence to regulatory requirements.
- Supervised and trained staff in fraud detection, risk assessment, and loss prevention techniques.
Cashier- Part Time
Central Market HEB
10.2021 - 10.2024
- Greeted customers entering the store and responded promptly to customer needs.
- Worked flexible schedule and extra shifts to meet business needs.
- Assisted customers with inquiries and provided exceptional service, resulting in positive feedback from shoppers.
- Contributed to store success by maintaining high standards of cleanliness throughout the facility.
- Adapted quickly to new technologies implemented at POS systems, ensuring seamless transition periods for both staff and customers.
- Provided backup support for other departments when needed, showcasing versatility within the retail environment.
- Operated cash register for cash, check, and credit card transactions with excellent accuracy levels.
- Ensured compliance with company policies and procedures while processing transactions efficiently.
Bank Teller
Wells Fargo Bank, N.A.
10.2018 - 03.2024
- Filed UAR, SAR, and Elderly Financial Abuse reports to document and address fraudulent activity effectively.
- Assess customer needs and go the extra mile to build trust relationships, customer loyalty, and satisfaction.
- Accuracy in data entry to make sure correct deposits and withdrawals are processed on customer's accounts.
- Participated in ongoing professional development programs offered by the bank, staying up-to-date with industry trends and enhancing job performance.
- Identified sales opportunities and referred customers to branch partners in financial services.
- Managed high-volume currency transactions with manual and machine-driven approaches during peak hours while maintaining attention to detail, ensuring seamless customer experience and balanced drawer.
- Maintained in-depth knowledge of bank products and services, providing appropriate customer recommendations, and enhancing customer satisfaction rates by 90%.
- Performed risk assessments on routine bank transactions, identifying and addressing potential fraud, and ensuring compliance with regulatory requirements.
- Coached new tellers on fraud prevention techniques, reducing risk and increasing team awareness of loss prevention protocols, leading to a 15% decrease in fraudulent activities.
Retail Store Supervisor
Smart Communications, Inc.
05.2004 - 08.2014
- In charge of Retail store organization, merchandising, meeting and exceeding sales targets, and customer experience.
- Facilitate weekly meetings with colleagues to train new product launches and follow-throughs with sales and revenue achievement.
- Managed inventory and financial reconciliations, minimizing discrepancies and preventing revenue loss.
- Conducted inventory analysis and audits to prevent discrepancies, ensuring optimal stock levels and loss prevention.
- Led customer service operations, providing leadership and coaching to enhance team performance.
Education
Bachelor of Science - Commerce, Hospitality Management
University of St. La Salle
Bacolod City, Philippines03.2004
Skills
- Fraud Detection and Risk Assessment
- Analytical thinking
- Sales and Customer Service
- Accuracy and attention to detail
- Organization and Prioritization
- Self-motivated
- Initiative
- Multitasking
- Cash management
- Regulatory Compliance and Research
- Work Ethic
- Digital Literacy
- Treasury management services (ACH, RDC, Positive Pay, wires, online banking – developing expertise)
- Communication and collaboration across departments
Affiliations
Association of Certified Fraud Examiners - Houston Area Chapter
Certification
- Certified Notary Public, State of Texas, Commission expires: November 7, 2028
- Certified Transaction Monitoring Associate (ACAMS) self- study
Timeline
Treasury Management Specialist
Bank of Houston
09.2025 - Current
Branch Operations Coordinator
Wells Fargo Bank, N.A.
03.2024 - 03.2025
Cashier- Part Time
Central Market HEB
10.2021 - 10.2024
Bank Teller
Wells Fargo Bank, N.A.
10.2018 - 03.2024
Retail Store Supervisor
Smart Communications, Inc.
05.2004 - 08.2014
Bachelor of Science - Commerce, Hospitality Management
University of St. La Salle