Paul Han
Celina
Summary
Results-driven Small Business Banking Relationship Manager with over 7 years of direct business banking experience and 16 years in retail banking and financial services. Proven expertise in relationship management, portfolio growth, commercial lending, and cash flow optimization. Skilled at managing complex client needs across the business lifecycle while building strategic partnerships and cross-selling high-impact financial products. Strong leadership in team development, client retention, and driving operational excellence in high-volume environments.
Overview
21
21
years of professional experience
Work History
Fraud Team Lead
JPMorgan Chase
Plano
01.2020 - 01.2023
- Led a team of 17 fraud specialists focused on protecting both consumer and business accounts.
- Provided oversight for electronic transaction investigations (ACH, Zelle, wires), KYC verification, and fraud mitigation.
Virtual Business Banker
Capital One Bank
Plano
01.2020 - 01.2023
- Managed a portfolio of 140 small business clients, representing $110M in deposits and $20M in lending relationships.
- Delivered tailored solutions in working capital, lines of credit, cash management, and merchant services.
- Increased product penetration through proactive financial reviews, relationship deepening, and strategic referrals to internal partners (Treasury, Retail, Card Services).
- Achieved high client satisfaction scores and improved retention through consultative selling and needs-based conversations.
- Consistently exceeded goals in deposit growth, loan origination, and cross-sell ratios.
Senior Manager / Market Manager (3 Branches)
Capital One Bank
New York
01.2015 - 01.2020
- Oversaw $1.2B in total AUM across three Midtown Manhattan branches, leading small business growth initiatives and sales strategy.
- Partnered with Business Bankers and Commercial RMs to deliver end-to-end banking solutions including SBA and CRE lending.
- Developed high-performing teams through training, sales coaching, and performance management.
- Ranked Top 3 in market for sales and operational excellence out of 20 branches for multiple years.
- Led market-level execution of business banking campaigns, increasing small business acquisition and deepening client relationships.
Business Development Officer /Financial Center Manager
Wells Fargo Bank
New York
01.2009 - 01.2015
- Originated and managed business banking relationships through targeted outreach and referral networks.
- Increased business lending by 15% YoY, and led strategic partnerships with RMs and Treasury.
- Served as Private Banker at flagship Midtown location, managing high-net-worth client relationships.
- Generated consistent new business through COIs and internal partnerships, averaging 4 new small business clients monthly.
Financial Center Manager / Cluster Manager
JPMorgan Chase
New York
01.2002 - 01.2009
- Led three branches in Westchester County with a focus on small business deposit growth and lending.
- Developed localized business plans to build community relationships and drive new client acquisition.
- Achieved 10% annual deposit growth through commercial product solutions and proactive outreach.
Education
Associate of Arts - Business
SUNY Westchester
Valhalla, NYSkills
- Small business lending and deposits
- Portfolio and relationship management
- Treasury and cash management
- SBA and commercial loans
- Client acquisition and retention
- Risk and compliance oversight
- Cross-selling strategies
- Digital banking tools and integration
- Team leadership and coaching
- Banking platforms: Salesforce, Workday, Tableau, QuickBooks
- Tools and suites: Microsoft Office, Google Workspace
- Risk management
- KYC/AML compliance
- Audit preparedness
- Sales coaching
- Performance metrics
Leadership And Personal Strengths
- Client-Focused: Builds trust-based relationships with small business owners through strategic financial guidance.
- Results-Oriented: Consistently exceeds sales and growth targets through disciplined execution.
- Team Builder: Leads with integrity and a 'player-coach' mindset; mentors high-potential talent to success.
- Adaptable Leader: Strong in fast-paced, high-pressure settings with a focus on continuous improvement.
Technical Skills
Salesforce, Workday, Tableau, QuickBooks, Microsoft Office, Google Workspace, Risk Management, KYC/AML, Audit Preparedness, Sales Coaching, Performance Metrics, Compliance
Timeline
Fraud Team Lead
JPMorgan Chase
01.2020 - 01.2023
Virtual Business Banker
Capital One Bank
01.2020 - 01.2023
Senior Manager / Market Manager (3 Branches)
Capital One Bank
01.2015 - 01.2020
Business Development Officer /Financial Center Manager
Wells Fargo Bank
01.2009 - 01.2015
Financial Center Manager / Cluster Manager
JPMorgan Chase
01.2002 - 01.2009
Associate of Arts - Business
SUNY Westchester
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