Summary
Overview
Work History
Education
Skills
Timeline
Generic

RUBY MURRAY

Charleston,SC

Summary

Client focused and performance driven Relationship Banker with 12 years of experience in Retail Banking and Wealth Management. Proven ability to manage complex client portfolios, drive revenue growth through strategic sale plans, and ensure regulatory compliance. Background includes managing both consumer and business clients, mentoring junior staffs, and consistently exceeding performance metrics. Skilled in cross functional collaboration, client onboarding, and compliance procedures. Seeking to leverage deep financial services expertise to grow into a Senior Banker role, with a focus on client relationship management, business development, and team leadership.

Overview

16
16
years of professional experience

Work History

Relationship Banker

Bank of America
Charleston, South Carolina
08.2023 - Current
  • Exceeded all core performance metrics with outstanding results:
    Digital Referrals at 396% of goal
    Partner Referrals at 740% of goal
    Client Meetings at 243% of goal
  • Maintained consistent compliance, passing both Client Care and Risk Management evaluations, demonstrating strong adherence to bank policies and regulatory standards.
  • Built strong, trust based client relationships by identifying financial needs and delivering customized banking, lending, and investment solutions.
  • Collaborated closely with internal partners across different lines of business: Small Business, Lending, and Investments to drive strategic referrals.
  • Maintained strict compliance with operational procedures, regulatory policies, and internal controls in all servicing.
  • Actively sharing experiences to co-workers in improving partner referrals and business development techniques; currently serving as the mentor for a new hire, helping accelerate onboarding and performance readiness.
  • Adapted quickly to changes in tools, policies, and customer engagement strategies in a fast paced, target driven environment.

Wealth Advisor

VPS Securities
Ho Chi Minh city, Vietnam
11.2017 - 12.2019
  • Led and managed a team of 5-6 wealth advisors, overseeing both personal and professional development to ensure growth and performance improvement.
  • Monitored and managed the team’s sales numbers, ensuring alignment with company targets and consistent performance.
  • Delivered the highest level of client experience, tailoring solutions to meet their financial life priorities. Created and implemented action plans to acquire new clients and maintain existing relationships, including internal and external networking and referral programs.
  • Identified client needs and delivered customized financial products and solutions, leveraging both company offerings and partner providers.
  • Mastered needs-based selling techniques to provide expert financial advices.
  • Periodically reassessed and met the ongoing financial needs of clients, adjusting strategies as necessary. Proactively stayed informed on financial market trends, economic conditions, and legislative updates.

Relationship Manager

ANZ Banking Group
04.2014 - 10.2017
  • Provided customer service to clients by handling inquiries, complaints and feedback.
  • Analyzed customer requirements and suggested appropriate banking products and services.
  • Ensured proper handling of sales and returns to meet customers’ satisfaction and organizational targets.
  • Coordinated with other teams for smooth sales operation and excellent customer service delivery.
  • Maintained sales records, order tracking, and product inventory to keep management informed.

Personal Banker

HSBC Bank
10.2009 - 03.2014
  • Take applications for and book loans, including home and equity loans, personal loans, and cashback loans.
  • Maintain notes within origination computer systems to ensure complete exchange of information regarding loan applications, loan status, conversations with customers, underwriting, and lock-in information.
  • Master of the core banking system, understanding banking processes.
  • Handling customer inquiries, problem-solving, and delivering excellent service to retail customers.

Education

MBA - Banking And Finance

Iowa State University
Ames, IA
01-2026

Skills

  • Certified Bilingual – Professional Proficiency in Vietnamese
  • Skilled in Upselling and Revenue Growth
  • Skilled in Cross Selling and Needs Based Solutions
  • Skilled in Developing Partnership Sales Plans with Internal and External Partners

Timeline

Relationship Banker

Bank of America
08.2023 - Current

Wealth Advisor

VPS Securities
11.2017 - 12.2019

Relationship Manager

ANZ Banking Group
04.2014 - 10.2017

Personal Banker

HSBC Bank
10.2009 - 03.2014

MBA - Banking And Finance

Iowa State University

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