Daisy Munoz
Sacramento,CA
Summary
With over 10 years of experience in the banking industry and expertise in Excel, I have developed strong skills in creating ad-hoc reports, performing pivot tables, V-Lookups, data validation, and dashboards. Throughout my career, I have gained proficiency in various areas including bank reconciliations, wire operations, loan settlements, retail banking, commercial banking, financial reporting, consulting, risk management, and compliance. One of my key responsibilities involved meticulously reviewing client/BU spreadsheets to ensure precise collateral/bank balances, interest rates, maturity dates, remittance dates, and revolvers against the system of records.
Overview
21
21
years of professional experience
Work History
Item Processing Specialist
Golden One Credit Union
09.2024 - Current
- Enhanced item processing efficiency by streamlining data entry procedures and implementing improved software solutions.
- Participated in ongoing professional development initiatives to stay current on industry trends and best practices related to item processing activities.
- Contributed to a positive work environment by actively participating in team meetings and supporting colleagues with their tasks as needed.
- Served as an expert resource for colleagues seeking assistance or clarification on item processing policies and procedures, fostering a collaborative work environment.
- Reduced processing errors by conducting thorough quality control checks and providing feedback to team members for continuous improvement.
- Reconciled company bank, credit card and line of credit accounts, investigating, and resolving discrepancies to keep accounts audit-ready.
- Streamlined daily reporting information entry for efficient record keeping purposes.
Operations Analyst
Emperyal Logistics
11.2023 - 05.2024
- Represents Empyreal as a customer service professional
- Maintains positive, friendly, and professional communications with customers, co-workers, and management whether in person, by phone, in writing, and/or through computerized and other electronic means
- Managed multiple projects simultaneously, delivering results within tight deadlines while maintaining high-quality standards.
- Accurately and efficiently counts and logs clients' deposits into our teller software system
- Optimized operational efficiency by analyzing and streamlining processes.
- Uses handheld electronic devices to scan and track deposits
- Prepares currency/coin orders
- Responsible for bank reconciliation
- Ensures accurate counting and tracking of all vault assets
- Ensures the safety of all negotiable and confidential records
- Notifies supervisor/manager of any delays, issues, concerns, or problems in a timely manner
- Maintains a clean and orderly teller processing area
- Performs other duties as assigned
- Processed quarterly vault and ATM audits with zero error rate.
- Managed inventory control within the vault area, regularly verifying counts against system data to identify discrepancies or potential thefts promptly.
- Maintained accurate records of all incoming and outgoing currency, ensuring proper documentation for audits and financial reports.
- Improved cash handling accuracy by implementing efficient vault procedures and routine audits.
Operations Trainer
Westamerica Bank
08.2021 - 10.2023
- Facilitates a stimulating, informative, organized job readiness/search training program(s)
- Ensures classes/sessions are designed to effectively address various learning styles
Universal Banker
Bank of the West
01.2019 - 08.2021
- Selling retail banking products and services to consumers and prospects
- Assisted customers with interest rates, service charges, and account histories
- Thoroughly manage customer portfolios, service relationships, and cross-sell all products and services
- Developing and maintaining strong relationships with company partners to maximize sales opportunities and achieve required sales standards
- Responsible for bank reconciliation
- Responsible for Operational Controls and Managing Risk
- Reviewed spreadsheets to check for collateral/bank balances, interest rates, maturity date, remittance date
- Processed ATMs, issued bonds and coupons, and negotiated foreign currency
Personal Banker
Wells Fargo Bank
12.2009 - 04.2018
- Thoroughly manage customer portfolios, service relationships, and cross-sell all products and services
- Assisted in reconciling branch settlement differences on GL
- Engaged in profiling analysis to identify cross-sell opportunities, and making outbound sales calls to increase product per customer ratio
- Built strong relationships with customers by resolving any issues and providing outstanding customer service
- Processed ATMs, issued bonds and coupons, and negotiated foreign currency
- Identified and made sales referrals, recommended alternate channels, and cross-sold bank services and products for company partners
- Consistently met sales goals by going beyond normal sales requirements and received MVP of sales in 2010
- Assisted with daily and monthly reconciliation
- Kept journal of our monthly entries
- Assisted in Foreign Exchange with processing customer orders and reports
Human Resources Analyst
Brunswick Zone XL
04.2004 - 12.2009
- Improved employee performance by coordinating workflow and implementing performance incentives
- Completed advance clerical tasks including account reconciliation and document management
- Kept business leaders informed about company profits, operations, and other metrics with regular reports
- Processed payroll, vacations, and sick time
- Updated any policies by California
Education
Associate Degree - Accounting
Imperial Valley College
Skills
- Reporting skills
- Operational efficiency
- Workflow optimization
- Data analysis
- Process updates
- Operations research
- Bank reconciliation
- Accounts receivable
- Cash management
- Team building
Languages
Spanish
Native or Bilingual
Timeline
Item Processing Specialist
Golden One Credit Union
09.2024 - Current
Operations Analyst
Emperyal Logistics
11.2023 - 05.2024
Operations Trainer
Westamerica Bank
08.2021 - 10.2023
Universal Banker
Bank of the West
01.2019 - 08.2021
Personal Banker
Wells Fargo Bank
12.2009 - 04.2018
Human Resources Analyst
Brunswick Zone XL
04.2004 - 12.2009
Associate Degree - Accounting
Imperial Valley College
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