Lalita Champoutie Persaud
Summary
Versatile banking operations expert for 19 years specializing in wire transfers, fraud prevention, and regulatory compliance. Strong capabilities in ACH processing and blockchain transactions, coupled with a solid foundation in client services and operational support. Effectively manages priorities, ensuring timely and accurate processing in dynamic environments.
Overview
20
20
years of professional experience
Work History
Senior Wire Operations Specialist
Flagstar Bank
01.2023 - Current
- Process domestic and international wire transfers accurately and within established deadlines.
- Completed daily proof and account reconciliations, investigating outstanding wire items to ensure accuracy and compliance.
- Responded to wire investigation requests from internal business partners, facilitating timely resolutions and maintaining operational flow.
- Review and release OFAC wire transactions while maintaining required documentation.
- Researched wire recalls, tracers, amendments, and payment exceptions to resolve discrepancies and enhance transaction integrity.
- Correct customer account, loan, and general ledger posting errors using PayPlus.
- Directed OFAC-related matters to Corporate Security for resolution.
- Organized and prioritized multiple tasks to ensure efficient workflow. while meeting daily processing deadlines.
Digital Dollar Crypto Associate II
Signature Bank
04.2022 - 01.2023
- Created user accounts and digital wallets for cryptocurrency firms, streamlining transaction facilitation.
- Tested deposits, transfers, redemptions, and blockchain transactions.
- Performed daily reconciliations using Orbit, Signet, Little Rock, and Stellar Expert.
- Investigated balance discrepancies, collaborating with internal teams to resolve issues efficiently.
- Completed debit and credit remediation.
- Updated user access and maintained account information.
- Trained employees and managers on Digital Dollar procedures, enhancing team understanding and compliance.
Client Services Associate
Signature Bank
10.2019 - 04.2022
- Supported clients with wire transfers, ACH, online banking, debit cards, statements, Bill Pay, and account maintenance.
- Managed high volume of phone calls and emails, ensuring timely and effective customer support.
- Served private, commercial, and retail banking clients by delivering efficient account servicing.
- Processed stop payments, address changes, fraud alerts, and account maintenance requests.
- Investigated fraud-related issues and worked with the Private Client Group to resolve account concerns.
- Assisted clients with password resets and multi-factor authentication.
- Followed OFAC, AML, KYC/CDD, Regulation E, and Regulation CC requirements.
- Trained new employees and supported management in onboarding and operational processes.
Relationship Banker | Personal Banker | Senior Sales Specialist | Teller
Bank of America
05.2006 - 10.2018
- Referred clients for mortgages, business loans, and additional banking products, contributing to overall business growth.
- Consistently met or exceeded sales, compliance, and customer service goals, demonstrating commitment to customer satisfaction and operational excellence.
- Opened personal and business accounts, identifying opportunities to deepen customer relationships and enhance account engagement.
- Assisted customers with online banking, account servicing, debit cards, stop payments, and statements.
- Processed domestic and international wire transfers.
Education
Accounting - Bookkeeping
Penn Foster College
Scranton, PAHigh School Diploma -
Heritage Western High School
Skills
- Wire transfers
- Funds Transfer Operations
- ACH Processing
- Wire Investigations
- OFAC Compliance
- AML & KYC
- Fraud Prevention
- Tracers & Recalls
- Payment operations
- Corporate Treasury Management
- Ledger reconciliation
- Microsoft Excel
- Microsoft Word
- Microsoft Outlook
- Fusion Total Messaging
- Swift Message
- PayPlus
- Orbit
- Stellar Expert
- Main Frame
- TouchPoint
- Problem Solving
- Process Improvement
- Team Leadership
- Client Service
Professional Development
- Foundation of Business Banking
- The Business of Accounting
- Financial Accounting Foundations
- Financial Freedom
- Blockchain Basics
- Crypto Foundations
- Cryptocurrency Foundations
- What Is Web3?
- Introduction to NFTs
Timeline
Senior Wire Operations Specialist
Flagstar Bank
01.2023 - Current
Digital Dollar Crypto Associate II
Signature Bank
04.2022 - 01.2023
Client Services Associate
Signature Bank
10.2019 - 04.2022
Relationship Banker | Personal Banker | Senior Sales Specialist | Teller
Bank of America
05.2006 - 10.2018
Accounting - Bookkeeping
Penn Foster College
High School Diploma -
Heritage Western High School