Ricardo Williams
79 SW 12th Street Miami
Summary
Top-performing professional with substantial experience in banking and finance. Dedicated to establishing long-term relations with customers to demonstrate trust and decrease account closure rates. Adept at understanding customer needs to recommend appropriate banking products.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Sr. Personal Banker
Valley Bank
12.2024 - Current
- Networked to increase client base and encourage existing clients to expand financial portfolios.
- Promoted financial products by maintaining excellent service offering knowledge.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Balanced cash drawers and vault accounts on daily basis with zero discrepancies.
- Worked closely with management to strategize sales techniques to increase branch production and customer service.
- Managed deposits, withdrawals and wire transfers to process smooth banking transactions for clients.
- Cross-sold bank products and services to meet customer needs and provide options.
- Followed up with customers to gather feedback and provide additional assistance.
- Monitored customer accounts to detect irregularities or suspicious activity.
Banking Relationship Specialist
Bank OZK
04.2023 - 12.2024
- Engage customers in meaningful conversations regarding their financial needs and goals, identifying consumer and small business products, services and digital solutions, including deposits, loans, business online banking, mobile applications and treasury and merchant services, to meet those needs
- Used consultative sales techniques to understand customer needs and recommend relevant products and services.
- Open and service complex small business and personal, consumer accounts
- Provided accurate information about promotions, customer programs, and products, helping drive high customer retention.
- Proactively serve as role model for client service and consumer banking team members and coach sales activities, including opportunity spotting/referrals, joint selling, outbound calling and lobby management
- Display a high degree of integrity, trustworthiness and professionalism at all times
- Forged and nurtured impactful relationships with customers to cultivate loyalty.
Client Service Specialist
Bank OZK
11.2021 - 04.2023
- Advised customers on bank products, services and financial planning options.
- Trained and coached less experienced team members in procedures, compliance standards and performance strategies.
- Modified, opened and closed customer accounts.
- Completed daily cash balancing and operated ATMs.
- Verified amounts and integrity of every check or funds transfer.
- Ordered checks, placed stop payment orders and conducted additional special services for customers.
- Helped customers open and close accounts, apply for loans and make sound financial decisions.
- Managed escalations with polite service, knowledgeable support and unsurpassed professionalism to satisfy needs and protect bank reputation.
- Met or exceeded sales goals by promoting bank products and services in customer interactions.
- Promoted facility security by monitoring customer behaviors and following established protocols to protect individuals and assets.
Concierge
KW Property Management & Consulting
09.2018 - 11.2021
- Welcomed patrons to front desk and engaged in friendly conversations while conducting check-in process.
- Received incoming calls and coordinated with staff to fulfill resident requests.
- Signed for packages, recorded deliveries and distributed to personnel.
- Preserved office security by following safety procedures and controlling access via reception desk.
- Greeted visitors to provide information and direct to appropriate personnel.
- Coordinated meetings, scheduling conference rooms and sending calendar invitations to attendees.
- Assisted staff and executives with special projects.
- Answered multi-line phone system and managed calls by routing to proper extensions or taking messages.
- Maintained office equipment, scheduling service to repair issues.
- Worked with housekeeping and maintenance staff to address and resolve building and room issues.
- Arranged wake-up calls, dry cleaning and pet care as requested by patrons.
- Entered work orders for housekeeping, pest control and maintenance issues.
- Answered guest questions regarding local area, facilities and amenities.
Security Officer
Region Security
07.2016 - 07.2019
- Guarded restricted areas to prevent unauthorized entry.
- Followed established security and safety procedures and posted orders to include enforcement of company rules, policies and regulations.
- Secured personnel and premises by inspecting buildings and patrolling property.
- Documented security-related situations and submitted in-depth reports to superiors.
- Checked footage and live feeds from surveillance cameras for trespassers and criminal activity.
- Warned persons of rule infractions or violations and evicted violators from premises.
- Inspected parking lot to verify parking permits and ticketed or towed unauthorized vehicles.
- Monitored premises and recorded activity in daily officer reports.
- Verified photo IDs and tickets to allow guests passage.
- Assessed fire detectors and alarm systems to prevent and address issues.
- Addressed problems quickly and reported clear information while working under minimal supervision.
- Completed incident reports to record security or loss prevention incidents.
- Safeguarded entrances using scanning equipment to keep lines moving.
- Reported safety hazards for remediation response.
Education
Associate of Science - Criminal Justice
Miami Dade College
05.2020
Skills
- Computer Savvy
- Money handling
- Reporting requirements
- Document management
- Database maintenance
- Customer support
- Microsoft Office expertise
- Employee coaching
- Customer relations
Education
true
Certification
ISSA Certified Trainer
Timeline
Sr. Personal Banker
Valley Bank
12.2024 - Current
Banking Relationship Specialist
Bank OZK
04.2023 - 12.2024
Client Service Specialist
Bank OZK
11.2021 - 04.2023
Concierge
KW Property Management & Consulting
09.2018 - 11.2021
Security Officer
Region Security
07.2016 - 07.2019
Associate of Science - Criminal Justice
Miami Dade College
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