Ronald Terrero
The Bronx
Summary
Financial center manager with proven expertise in business control, quality assurance, and performance optimization. Specializes in risk control design, KPI monitoring, and ensuring regulatory compliance. Recognized for driving operational excellence, reducing errors, and leading teams to exceed growth and service objectives. Leverages financial insights and technical skills to enhance processes and achieve measurable outcomes.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Officer; Financial Center Manager
Bank of America
11.2024 - Current
- Streamlined operations by optimizing processes and managing workflows effectively.
- Ensured compliance with audit standards and regulatory requirements consistently.
- Prepared for regulatory exams through rigorous documentation integrity maintenance.
- Fostered accountability culture through coaching and performance management of associates.
- Mentored staff on product knowledge, sales techniques, and industry best practices.
- Established loss-prevention measures that mitigated financial risks significantly.
- Adapted business strategies to navigate challenging market conditions while enhancing client relations.
Financial Center Assistant Manager
Bank of America
09.2023 - 11.2024
- Collaborated with senior management to develop and execute strategies enhancing business growth and customer retention.
- Analyzed key performance indicators to pinpoint improvement areas and execute action plans.
- Monitored and reported key risk indicators to enhance risk governance within financial center.
- Identified and remediated control gaps in partnership with compliance and audit teams to strengthen operational integrity.
- Established internal audit procedures to validate the accuracy of financial reporting.
- Conducted performance reviews for employees, identifying and facilitating development opportunities.
Senior Banker
Bank of America
09.2022 - 09.2023
- Managed diverse client portfolios, addressing banking, lending, and investment requirements.
- Exceeded individual sales targets through proactive client engagement, contributing to overall team performance.
- Identified and promoted cross-selling opportunities through comprehensive product information, increasing client engagement.
- Conducted in-depth financial analyses and risk assessments for new business ventures.
- Resolved client concerns by delivering timely solutions, resulting in improved client satisfaction.
IT Service Specialist
Self-employeed
05.2014 - 08.2022
- Resolved customer complaints regarding computer and device performance to improve user satisfaction.
- Assessed customer needs, providing tailored advice on suitable products and services.
- Tracked system performance metrics to ensure optimal operation of connected devices, contributing to reliable service delivery.
- Upgraded computers with new hardware components, enhancing overall performance and reliability.
- Repaired malfunctioning laptops by replacing critical components such as motherboards and hard drives.
- Built custom PCs according to customer specifications, utilizing various components from multiple manufacturers.
Mortgage Loan Originator
Rocket Mortgage LLC
02.2022 - 07.2022
- Analyzed loan applications and credit reports to assess eligibility and risk levels.
- Evaluated financial histories, pay stubs, and tax information for accurate credit analysis.
- Coordinated communication with borrowers during loan application approval and closing processes, ensuring timely updates and addressing customer needs.
- Supported credit officers in originating 15 loans by providing detailed application documentation and follow-up assistance.
- Developed networking and referral systems with realtors and title companies to enhance loan origination opportunities.
- Managed updates and addressed customer needs throughout loan application and closing processes.
- Maintained strict confidentiality of bank records and client data.
Retail Associate Manager
T-Mobile US
04.2015 - 02.2022
- Acted as in-store sales leader, fostering customer relationships and supporting team development.
- Controlled operational compliance, safety, and business standards to enhance overall efficiency.
- Trained employees and monitored performance through periodic reviews to promote continuous improvement.
- Sought out key decision-makers to tailor solutions addressing specific business challenges.
- Partnered with business control, compliance, and audit teams to remediate defects and strengthen controls.
- Reviewed transactions, account openings, and client documentation to identify and mitigate risks.
Mobile Expert
T-Mobile US
08.2012 - 04.2015
- Enhanced customer satisfaction through exceptional service and personalized banking solutions, fostering long-term client loyalty.
- Mentored staff in sales techniques, product knowledge, and industry best practices.
- Maintained readiness for regulatory exams by ensuring documentation integrity.
- Drove culture of accountability through coaching and performance management of associates.
- Adapted strategies to navigate challenging market conditions, reinforcing client relationships and ensuring continued business engagement.
- Enhanced customer satisfaction through exceptional service and personalized banking solutions.
Education
BBA - Marketing Management And Research
Baruch College – Zicklin School of Business
New York, NY06-2026
Associate of Science - Business Administration And Management
Bronx Community College
The Bronx, NY06-2021
Skills
- Risk management and regulatory compliance (CIP, CDD, KYC, AML)
- Regulatory reporting
- Operations management
- Operational oversight
- Strategic planning
- Process improvement
- Data analysis
- Quality assurance and control
- IT service management
- System enhancements
- Client acquisition
- Microsoft Office proficiency
Certification
- SIE (Securities Industry Essentials)
- SAFE ACT
Accomplishments
- The Zicklin Undergraduate Honors Program (ZUHP)
Languages
Spanish
Languages
Spanish
Native/ Bilingual
Timeline
Officer; Financial Center Manager
Bank of America
11.2024 - Current
Financial Center Assistant Manager
Bank of America
09.2023 - 11.2024
Senior Banker
Bank of America
09.2022 - 09.2023
Mortgage Loan Originator
Rocket Mortgage LLC
02.2022 - 07.2022
Retail Associate Manager
T-Mobile US
04.2015 - 02.2022
IT Service Specialist
Self-employeed
05.2014 - 08.2022
Mobile Expert
T-Mobile US
08.2012 - 04.2015
BBA - Marketing Management And Research
Baruch College – Zicklin School of Business
Associate of Science - Business Administration And Management
Bronx Community College