Summary
Overview
Work History
Education
Skills
Languages
Work Availability
Timeline
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Michelle De La Pena Chavez

Manteca,CA

Summary

Diligent banking professional with expertise in regulatory compliance, customer due diligence (CDD), and risk management. Proven ability to balance client needs with stringent KYC/AML and security requirements. Experienced in identifying and mitigating potential financial risks while driving process improvements. Strong leadership skills, bilingual in Spanish, with a focus on maintaining compliance standards and fostering customer relationships in fast-paced banking environments.

Overview

6
6
years of professional experience
1
1
year of post-secondary education

Work History

Associate Banker

JPMorgan Chase
Stockton, CA
02.2022 - 10.2024
  • Conducted a thorough review of client accounts to identify discrepancies and suspicious activity, ensuring compliance with bank regulations and AML standards.
  • Supported KYC processes by gathering and verifying customer information during onboarding and account updates.
  • Collaborated with the compliance team to address potential fraud and manage risk.
  • Ensured compliance with banking regulations and procedures in daily operations.
  • Monitored customer accounts for suspicious activities or potential fraud cases.
  • Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.

Relationship Banker

Bank of America
Union City, CA
01.2021 - 10.2021
  • Identified financial needs of customers and presented appropriate product and service options.
  • Educated customers on options for managing financial transactions by leveraging technology, tools and resources.
  • Resolved discrepancies concerning customers' accounts, improving client satisfaction.
  • Advised customers on bank products, services and financial planning options.
  • Attended meetings with other bankers to discuss best practices related to relationship building.
  • Adhered to strict confidentiality protocols to maintain safety of customer and bank information.
  • Collaborated with team members to develop innovative solutions for meeting customer needs while maintaining profitability goals set by the bank's senior management.

Lead Bank Teller /Shift Supervisor

Wells Fargo
Hayward, CA
03.2019 - 08.2020
  • Approve, reject or coordinate the approval or rejection of line of credit or commercial, real estate, or personal loans.
  • Resolve customer complaints regarding sales and service.
  • Recruit staff members and oversee training programs
  • Prepare operational or risk reporting for management analysis
  • Use computer for various applications, such as database management or word processing
  • Handled daily scheduling for team of 10 employees, properly staffing all shifts.
  • Conducted regular reviews with team members to assess their performance and provide feedback as needed.
  • Monitored employee productivity levels to identify areas for improvement or additional resources needed.

Teller

Wells Fargo
San Lorenzo, CA
10.2018 - 03.2019
  • Managed customer referrals to help financial services team members capitalize on sales changes.
  • Met or exceeded sales goals by promoting bank products and services in every interaction.
  • Verified amounts and integrity of every check or funds transfer.
  • Examined checks for identification and endorsement.
  • Processed treasury, tax and loan payments.
  • Processed cash withdrawals.
  • Reported any operational issues or system problems that occurred during shift promptly.

Education

High School Diploma -

Dallas Can Academy
Carrollton, TX
06.2017

Associate of Science - Business Administration

Chabot College
Hayward, CA
01.2024 - Current

Skills

  • KYC/AML Compliance
  • Risk Management
  • Customer Due Diligence (CDD)
  • Account Auditing & Discrepancy Resolution
  • Bilingual (English/Spanish)
  • Regulatory Knowledge (BSA,AML,Patriot Act)
  • Microsoft Office & Banking Software
  • Team Leadership & Staff Supervision
  • Cross-Selling and Partner Referrals
  • Operations Management

Languages

English
Spanish

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline

Associate of Science - Business Administration

Chabot College
01.2024 - Current

Associate Banker

JPMorgan Chase
02.2022 - 10.2024

Relationship Banker

Bank of America
01.2021 - 10.2021

Lead Bank Teller /Shift Supervisor

Wells Fargo
03.2019 - 08.2020

Teller

Wells Fargo
10.2018 - 03.2019

High School Diploma -

Dallas Can Academy

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Michelle De La Pena Chavez