Ray Vincent Hernandez
3248 A Turtle Point Drive, Fayetteville,NC
Summary
High energy and results driven professional with 13 years experience in banking & customer service, post sales and complaints handling. Proficiency in Word, Excel, and Power Point. Excellent communication and proven interpersonal skills. Efficient work habits without supervision
Overview
2026
2026
years of professional experience
Work History
Processor
AL MASRAF BANK, Abu Dhabi Head Office Branch
Abu Dhabi
10.2019 - Current
- Handling 45 ATM’s. Investigating dispute transaction and Failed transactions in ATM
- On site/Off Site ATM / CCDM reconciliation and Financial Posting in T24, Daily Updating in Excel
- Manual Reconciliation of ATM CCDM upon receiving the report from Transguard
- Requesting ATM Replenishment if the cash is low of 500’s and 100’s
- Requesting Cash from Central Bank Portal and Assisting the Branch for the Cash Requirement in CB
- Requesting Cash Deposit and Withdrawal in Central Bank for ATM Requirements especially in Holidays.
- Creating and sending ATM related logs to IT for any related issues such as low journal, camera image.
- Every monitoring of our ATM Cashpool, ATM Cash overage, Shortage Sundry
- Card issuance of New Debit Card and Credit Card. Replacement of Debit card and Supplementary.
- Doing the Debit card POS/ATM limit increase/Decrease, Debit linkage under one card, Dispute, Chargeback, Activation of Corporate, Blocking permanent & temporary
- AED settlement fund transfer on Value date upon advice received from Mastercard
- Sending issues to MasterCard for dispute investigation
- Debit Card AED & USD settlement posting upon receiving voucher from Network International
- Debit Card Receiving and Dispatching to the respective branches
- Credit Card Issuance, Replacement, Maintenance, Increase limit/Decrease
- Upgrade and downgrade Product type, Providing statement to the call centre
- Credit card dispute/Chargeback, Card blocking Permanent & temporary
- Credit card cancellation, Manual Credit card payment
- Cash back Redemption Manual credit posting into Card
- Credit card receiving and dispatching.
- Credit card AED & USD settlement fund transfer on Value date upon advice received from NI
- Loyalty Management System Manual Cash Redemption, Customer Reward statement
- Customer Cash back Redemption tracking and closure, Daily Report Accrual
- Manual Registration of return Debit Card/Credit Cards
- SMS Banking Report - Verification
Teller
ABU DHABI COMMERCIAL BANK, Abu Dhabi Mall Branch
Abu Dhabi
01.2019 - 10.2019
- Responsible for cash and customer transaction over the teller counter.
- Speedy execution and operation transactions at the teller counter as per the stipulated procedures.
- Cash balancing (over the counter and ATM)
- Vault custodian with Branch Supervisor / Head teller
- Handling Non-Cash transaction like DD / MC, Fund transfer, Remittance (Local and Foreign)
- Responsible for high quality service, customer relationship management and Branch Audit and Compliance
- No complaints should be received within the yearly survey
- Increase customer base by identifying referral opportunities and make relevant referrals
- Responsible for receiving, verifying and processing customer account account transactions including but not limited to cheque / cash deposit and withdrawals, loan payment, etc
- Ensuring safe and accurate distribution of cash to customers
- Warmly welcome all customers and perform required financial transactions timely and accurately to achieve the predecided customer satisfaction level
- Strictly follow the banks policies and procedures to achieve risk free area operations and acceptable audit rating.
- Provide customer with information regarding personal and business accounts, as well products offered by the bank. Also inform the customer of options of ATM delivery channel to reduce the wait time at tellers area, enhance the ATM usage and ensure ATM transaction is risk free
- Investigate properly difference in book / cash / reports notes denominations, etc, to ensure transactions daily balance and eliminate cash risk.
- Processing of cheques in ICCS.
- Ensure the authenticity of all cheques received over the counter & CCDM by passing it through the UV machine
- Refer and assist customer with expired ID/KYC to customer service area for data update
- Awareness of Operation Manual amendments related to Cash Operations and Bank Products to enable cross selling.
- Fully conversant with anti-money laundering procedures
- 100% compliance to Anti Money Laundering procedures stipulated by the bank.
- Ability to handle assigned position either Branch Supervisor / Senior Teller during annual leave or operation requirement.
Senior Teller & Supervisor
UNION NATIONAL BANK
Abu Dhabi
11.2012 - 01.2019
- Check and authorize teller transactions as per authority matrix/delegated authority.
- Authorize funds transfer (within & outside) request if in order.
- Ensure all authorizations are as per delegated authority and any transgression is immediately reported to Branch Manager, Regional Head and Head of Distribution.
- Verify customer's signature against the specimen on bank's records or customer original ID for specific product, if permitted.
- Ensure customer satisfaction levels are maintained.
- Ensure all customer requests are satisfied within the acceptable timeline.
- Ensure branch cash limit is maintained within approved set limit.
- Ensure all transactions are processed before cut-off time.
- Ensure all customer queries and complaints handled in efficient manner.
- Joint custodian for cash held in the vault and vault main door custodian.
- Joint custodian of bulk stock of manager's cheque, demand draft in USD & other currencies in vault.
- Joint custodian of security items of other branch (es)/bank.
- Daily checking of branch reports jointly with the Branch Manager / Assistant Branch Manager.
- Daily independent checking of CSO voucher against system generated report at EOD to be conducted.
- All reversal transactions to be approved by the branch manager or their delegate.
Sales Agent
PNB LIFE INSURANCE
Batangas, Philippines
- Attend meetings, seminars and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts.
- Calculate premiums and establish payment method.
- Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries.
- Confer with clients to obtain and provide information when claims are made on a policy.
- Contact underwriter and submit forms to obtain binder coverage.
- Customize insurance programs to suit individual customers, often covering a variety of risks.
- Develop marketing strategies to compete with other individuals or companies who sell insurance.
- Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms.
- Explain features, advantages and disadvantages of various policies to promote sale of insurance plans.
- Explain necessary bookkeeping requirements for customer to implement and provide group insurance program.
- Monitor insurance claims to ensure they are settled equitably for both the client and the insurer.
- Perform administrative tasks, such as maintaining records and handling policy renewals.
- Plan and oversee incorporation of insurance program into bookkeeping system of company.
- Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.
- Select company that offers type of coverage requested by client to underwrite policy.
- Sell various types of insurance policies to businesses and individuals on behalf of insurance companies, including automobile, fire, life, property, medical and dental insurance or specialized policies such as marine, farm/crop, and medical malpractice.
- A Product of ALLIED BANKING CORPORATION
Teller/Customer Service Representative
ALLIED BANKING CORPORATION
Batangas, Philippines
08.2006 - 09.2012
- Executed various tasks assigned to a bank teller which include but are not limited to the following.
- Accepted cash and checks for deposit and checked accuracy of deposit slip.
- Processed cash withdrawals.
- Performed specialized tasks such as preparing cashier's checks, personal money orders, issuing traveler's checks and exchanging foreign currency.
- Performed services for customers such as ordering bank cards and checks.
- Received and verified loan payments, mortgage payments and utility bill payments.
- Recorded all transactions promptly, accurately and in compliance with bank procedures.
- Answered inquiries regarding checking and savings accounts and other bank related products.
- Assisted in resolving issues and problems with customer's accounts.
- Initiated and opened new accounts.
- Explained, advised and promoted bank products and services to customers.
Sales Agent
MITSHUBISHI MOTOS
Batangas, Philippines
04.2006 - 08.2006
- Sells cars and other vehicles by demonstrating the car features to walk-in prospects and, also by meeting potential buyers at their homes.
- Keeps good relations with customers for making them come again for car purchase and updates them about new car arrivals, and discounts and beneficial schemes etc.
- Guides the prospects about various types of cars and their features for helping them decide the best car according to their needs and budget.
- Takes potential buyers on test drive.
- Updates self-knowledge about various automobiles and learning the details of the new arrivals.
- Handles the cash register, and loan procedures.
- Advising the customer on how to care for their vehicles to keep them in good conditions.
Education
BSC - Business Management
SAN SEBASTIAN COLEGE RECOLETOS
Philippines01.2006
Secondary - undefined
University of Batangas
Philippines01.2002
Primary - undefined
Padre Imo Luna Memorial Elementary School
Philippines01.1998
Skills
- Banking & Customer Service Proficient
- Excellent Communication Skills
- Team Player
Languages
English
Timeline
Processor
AL MASRAF BANK, Abu Dhabi Head Office Branch
10.2019 - Current
Teller
ABU DHABI COMMERCIAL BANK, Abu Dhabi Mall Branch
01.2019 - 10.2019
Senior Teller & Supervisor
UNION NATIONAL BANK
11.2012 - 01.2019
Teller/Customer Service Representative
ALLIED BANKING CORPORATION
08.2006 - 09.2012
Sales Agent
MITSHUBISHI MOTOS
04.2006 - 08.2006
Secondary - undefined
University of Batangas
Primary - undefined
Padre Imo Luna Memorial Elementary School
Sales Agent
PNB LIFE INSURANCE
BSC - Business Management
SAN SEBASTIAN COLEGE RECOLETOS
Personal Information
Age: 39
Seminars And Trainings Attended
- Signature Verification Seminar
- Anti-Money Laundering
- Universal Teller Training Program
- Counterfeit Detection Seminar
- BANCnet E-channels Operations Seminar
- Customer Service - Managing Difficult Customers
- Entrepreneurship - Business in Today's Political and Economic Environment
- BCMS Standard ISO 22301:2012
- Customer Identification Program
- Customer Interactions (PART 1)
- Customer Interactions (PART 2)
- Fire Safety Fundamentals @ Proper Use of Fire Extinguishers Certificate Number 141878
- Introduction to Sales (PART 1)
- Introduction to Sales (PART 2)
- Level 1 Basic Fire Safety Serial No. 17747
- Document Management System Project