Roza Osipova
Whitinsville,MA
Summary
Retail banking leader with 10+ years of experience across international and U.S. financial institutions, including progressive leadership roles from Specialist to Senior Relationship Banker. Proven track record of exceeding sales and revenue goals, expanding Private Client and small business portfolios, and driving branch performance. Recognized as a Top Performer (2019–2021) for sustained revenue growth and client acquisition. Experienced in branch operations oversight, team development, regulatory compliance, and fraud prevention. Committed to building high-performing teams, strengthening client relationships, and delivering sustainable branch growth.
Overview
12
12
years of professional experience
Work History
Senior Relationship Banker
Santander Consumer USA
Shrewsbury, MA
01.2018 - 04.2024
Managed and expanded a diversified portfolio of affluent consumer and small business clients while serving as a key leader within the branch. Drove revenue growth, operational excellence, and risk management initiatives.
- Consistently exceeded quarterly sales and revenue goals through strategic portfolio management and consultative financial planning.
- Grew deposits, lending production, and overall wallet share across consumer and business relationships.
- Acquired high-net-worth and small business clients through referrals, community engagement, and proactive prospecting.
- Conducted joint business development efforts with product partners to deepen relationships and increase cross-sell results.
- Acted as branch leader in the manager’s absence, overseeing daily operations, workflow, and client escalations.
- Mentored and coached team members to improve sales performance, client engagement, and compliance adherence.
- Supported audits and compliance reviews, reinforcing internal controls and fraud prevention protocols.
- Resolved complex client issues while leveraging digital banking tools to enhance efficiency and client experience.
Senior Specialist – Credit Cards
Credit Europe Bank
Krasnodar, Russia
06.2012 - 08.2015
- Promoted from Specialist to Senior Specialist based on top sales performance and consistent target achievement.
- Generated new business by acquiring customers and promoting credit card products in a competitive retail banking environment.
- Consistently exceeded individual sales goals through proactive outreach and relationship-building strategies.
- Delivered exceptional customer service while strengthening long-term client retention and loyalty.
Education
Master's Degree - Finance And Financial Management Services
Academy of Marketing And Socially-Information Tech
02-2010
Skills
- Leadership
- Revenue ownership
- Operations control
- Strategic planning
- Compliance accountability
- Relationship growth
Languages
English
Professional
Russian
Native/ Bilingual
Armenian
Native/ Bilingual
Education and Training
other
Accomplishments
Recognized as Top Performer in Q4 2020 and 2021 for exceeding annual sales targets and driving portfolio growth through consultative client engagement and cross-selling initiatives.
Top Performer Award Q3 2019 - Exceeded annual sales targets and drove portfolio growth across consumer and small business clients.
Recognized as Best Specialist in Russia – Credit Card Nomination (December 2013) for outstanding sales performance and client acquisition results
Timeline
Senior Relationship Banker
Santander Consumer USA
01.2018 - 04.2024
Senior Specialist – Credit Cards
Credit Europe Bank
06.2012 - 08.2015
Master's Degree - Finance And Financial Management Services
Academy of Marketing And Socially-Information Tech