MICHELLE RICCIO
Palm Harbor
Summary
Dynamic compliance and dispute resolution professional adept at driving operational efficiencies and enhancing client satisfaction. Expert in investigating complex client complaints, interpreting regulatory standards, and leading initiatives that streamline processes. Recognized for strong analytical skills and effective communication, fostering collaboration across business units.
Overview
2027
2027
years of professional experience
Work History
Advisor, Dispute Resolution
Raymond James Financial
St. Petersburg
2021 - Current
- Investigate complex client complaints and regulatory inquiries to mitigate litigation, regulatory, and reputational risk.
- Conducted comprehensive reviews of account activity, documentation, advisor communications, and firm records to identify effective resolutions.
- Interpret and apply FINRA, SEC, state regulatory requirements, and internal firm policies during complaint investigations.
- Partner with Financial Advisors, Branch Management, Compliance, Legal, Supervision, and senior leadership to resolve complex matters.
- Present findings and recommendations to management while supporting firm-wide regulatory reporting obligations.
- Drafted executive-level correspondence to convey regulatory findings, resolutions, and client responses clearly and effectively.
- Led and contributed to department initiatives that enhanced workflows, documentation quality, and operational efficiency.
- Develop reports, presentations, and training materials supporting compliance and supervision initiatives.
Senior Compliance Associate | Dispute Resolution Coordinator
Raymond James Financial
St. Petersburg
2020 - 2021
- Managed intake, documentation, investigation, and resolution of client disputes to ensure timely resolutions and enhance client satisfaction.
- Conducted quality assurance reviews ensuring adherence to regulatory and documentation standards, contributing to compliance integrity.
- Coordinated departmental reporting, correspondence, and workflow management to streamline operations and improve communication.
- Collaborated with internal business partners to improve operational processes and client service.
- Maintained extensive records in ProLaw, PeopleSoft, and other enterprise systems.
- Assisted with training initiatives and process improvements across the department.
Financial Representative
Transamerica Agency Network
Wilmington
2014 - 2020
- Cultivated long-term client relationships through tailored financial planning consultations.
- Conducted financial needs analyses and recommended customized investment and insurance solutions.
- Delivered comprehensive financial planning recommendations to individuals, businesses, and government employees.
- Expanded client base through targeted networking, referrals, and strategic marketing initiatives.
- Created impactful presentations and reports to enhance client recommendations and drive business development.
Field Sales Executive
Hooper Holmes Portamedic
Asheville/Charlotte
2011 - 2014
- Consistently exceeded sales objectives while adhering to budget constraints, contributing to overall company revenue.
- Managed multi-state sales territory across 33 counties, driving regional growth.
- Cultivated strong relationships with brokers, insurance agencies, and healthcare professionals, enhancing collaboration and client satisfaction.
- Delivered product training and marketing presentations.
Regional Unit Manager
Liberty National & United American Insurance
2006 - 2011
- Honored for exceptional contributions to sales, earning title of Top Overall Producer in 2009.
- Achieved recognition as Top Overall Producer Nationwide in 2009, contributing to team success.
- Recruited and trained high-performing sales teams, enhancing overall team capabilities.
- Developed targeted marketing strategies and comprehensive training programs to drive sales growth.
Education
Finance, Political Science
Coastal Carolina University
Conway, SCSkills
- Dispute resolution
- Client complaint resolution
- Regulatory compliance
- FINRA and SEC regulations
- Risk assessment and mitigation
- Policy interpretation
- Effective negotiation
- Project leadership and process improvement
- Cross-functional collaboration
- Case management systems
- Microsoft Office Suite proficiency
- Relationship management
- Conflict resolution training
Timeline
Advisor, Dispute Resolution
Raymond James Financial
2021 - Current
Senior Compliance Associate | Dispute Resolution Coordinator
Raymond James Financial
2020 - 2021
Financial Representative
Transamerica Agency Network
2014 - 2020
Field Sales Executive
Hooper Holmes Portamedic
2011 - 2014
Regional Unit Manager
Liberty National & United American Insurance
2006 - 2011
Finance, Political Science
Coastal Carolina University