TAJNARINE BISNAUTH
Professional Banker
Jersey City,NJ
Summary
Professional Banking Specialist with substantial experience in financial services, client relations, and strategic consulting. Strong focus on team collaboration ensures seamless integration into any team environment, adapting swiftly to changing needs. Known for exceptional analytical skills, effective communication, and results-driven approach, consistently delivering impactful financial solutions and client satisfaction.
Overview
24
24
years of professional experience
Work History
Personal Banking Consultant
Lakeland Bank
03.2024 - 08.2024
- Extended and sustained relationships with customers to maintain and grow business.
- Worked with customers to procure updated financial information on continuous basis.
- Reviewed demand deposit profitability analysis and outlined strategies to bring unprofitable accounts back to profitable status.
- Acquired collateral documents to be utilized as security on loans in accordance with banking policies.
- Coordinated with various divisions and departments in servicing of routine banking transactions.
- Communicated lending decisions to customers.
- Contacted prospective clients to generate new loans, deposits, and business to achieve company production goals.
- Delivered exceptional customer service, resolving complex issues promptly and maintaining strong relationships with key clients.
- Collaborated with cross-functional teams to develop new products tailored to clients'' specific needs.
- Nurtured relationships with external partners such as regulators, auditors, and vendors for smoother operations within the institution.
- Assisted in regulatory compliance initiatives, ensuring adherence to all relevant laws and regulations governing the banking sector.
- Balanced teller drawers and ATM cash.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Opened, closed, and updated accounts for customers.
- Investigated customer inquiries and resolved discrepancies in helpful and timely manner.
- Monitored account activity and identified suspicious transactions, taking appropriate action to prevent fraud.
- Managed escalated phone calls by applying conflict resolutions skills and extensive knowledge of bank policies, products, and services.
- Developed and maintained strong knowledge of multiple products and varying levels of benefits within each product.
- Collaborated with clients to maintain relationships and provide customers with thorough support and guidance.
- Discussed financial options with clients and provided informed suggestions.
- Conducted research to answer questions and handle issues using multiple systems and resources.
- Open and Close the branch during banking hours
- Contributed to sales growth by upselling products and services based on individual customer requirements.
- Supervisor authority such as overrides and approvals
- Reviewed daily, weekly and monthly reports
- Participating in branch auditing for the state of New Jersey and compliance regulations
Financial Service Representative
Hanmi Bank
06.2023 - 09.2023
- Accepts wire transfer requests, Responds to customer inquiries and requests regarding account, Promotes and cross-sells other establishment products and services as appropriate to customer requirements
- Provides deposit data to support marketing and sales promotion programs, Generates new business to assist in meeting establishment profitability goals
- Responsible for accepting loan payments, Record all transactions promptly, accurately, and in compliance with bank procedures, Follow policies and procedures; completes tasks correctly and on time; supports the company's goals and values
- Ensures compliance with established Bank policies and procedures, Obtains credit records from credit reporting agency
- Evaluates needs of potential customers and offers appropriate financial products and services
- Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws as they pertain to this position including but not limited to the following: GLBA(Gramm-Leach-Briley Act), Regulation Z (Truth in Lending Act), Regulation DD (Truth in Savings Act) Regulation B (Equal Credit Opportunity Act), Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd Frank Act), Elder Abuse Laws, Bank Secrecy Act in conjunction with the USA PATRIOT Act, Anti-Money Laundering and Customer Information Program, Right to Financial Privacy Act (state and federal) and Community Reinvestment Act
- Prepares and compiles new customer application and information to open new account, Ensures completeness of documentation on new account set-up, interviews customers to obtain information and explain available financial services such as savings and checking accounts, Individual Retirement Accounts, Certificates of Deposit, savings bonds, online banking, ATM and debit cards
- Presents funds received from customer to Customer Service Associate for deposit, and obtain receipt for customer, Helps customer complete application for products or services, May be responsible for admitting customers to safe deposit vault and/or renting safe deposit boxes
- Open and Close the branch during banking hours
- Contributed to sales growth by upselling products and services based on individual customer requirements.
- Supervisor authority such as overrides and approvals
- Reviewed daily, weekly and monthly reports
- Participating in branch auditing for the state of New Jersey and compliance regulations
Customer Service Rep
Valley National Bank
09.2018 - 11.2018
- Processing Customer Financial Transactions (i.e withdrawals, deposits, bank checks)
- Identifying and Selling Products and Services which is Beneficial to the customers needs
- Address Customer Questions and concerns and refer to appropriate internal resources for resolutions
- Managed high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts.
- Establish and control customer files
- Resolved customer complaints with empathy, resulting in increased loyalty and repeat business.
- Identify Fraudulent Activity to Prevent Potential Losses to the Institution
- Handled escalated calls efficiently, finding satisfactory resolutions for both customers and the company alike.
- Stay Updated on New Products and Services and Maintain Awareness of Current Fraud Activities
- Responded to customer requests for products, services, and company information.
- Balancing and Proofing the Vault, Cash Draws, and ATM
- Enhanced customer satisfaction by promptly addressing concerns and providing accurate information.
- Business Referrals (i.e
- Developed strong product knowledge to provide informed recommendations based on individual customer needs
- Developed rapport with customers through active listening skills, leading to higher retention rates and positive feedback from clients.
- Maintained detailed records of customer interactions, ensuring proper follow-up and resolution of issues.
- Assisted customers in navigating company website and placing online orders, improving overall user experience.
- Open and Close the branch during banking hours
- Contributed to sales growth by upselling products and services based on individual customer requirements.
- Supervisor authority such as overrides and approvals
- Reviewed daily, weekly and monthly reports
- Participating in branch auditing for the state of New Jersey and compliance regulations
Connect @ Macy's Specialist
Macy's
05.2017 - 09.2018
- Assist customers in all aspects of total store fulfillment and have the ability to satisfy the needs of the digital and physical customers by appropriate partnerships when necessary
- Provide an exceptional customer experience by ensuring the customer is always the priority
- Drive sales by consistently demonstrating exceptional selling skills, leveraging technology to optimize inventories across all channels: providing a relevant, seamless and fun one to one customer experience
- Leverages product knowledge and digital resources to increase sales by educating and assisting the customer and expanding merchandise options to enable the best choices
- Maintain department recovery standards; including fitting room go backs to standard
- Maintain high customer readiness standards: delivers a clean, neat and easy to shop store environment
- Performs other customer-facing duties as necessary
- Ensures shortage prevention initiatives are executed
- Collaborates with Sales Manager, DM, RDM and vendors for support on driving sales promotion and optimizing technology and product knowledge
Shipping/Receiving
Goya
10.2016 - 02.2017
- Notify shippers and carriers of problems
- Picking orders
- Loading Trucks with merchandise
- Navigating supplies throughout warehouse
- Coordinate and assist with different teams
- Oversee shipments when delivery is completed
- Moved shipment materials to and from designated areas using lift and hand trucks.
- Conducted counts and audits of inventories to identify and resolve discrepancies in records.
- Handled high-volume paperwork and collaborated with administrators to resolve invoicing and shipping problems.
Office Agent
TAS/Aerotek
11.2014 - 10.2015
- Capture cargo data and transfer into the computer system for import and export flights
- Process and coordinate manifests for all freights and flights
- Serve customers and collect charges appropriately
- Distribute proper documentation to Customs, Sales, and Accounting
- Ensure documents are in compliance to the FAA and U.S
- Customs standards
- Properly rate airway bill for charges
- Handling cash transactions
- Trace missing items, arrange for forward transit
- Oversee operations when no supervisor is on call
- Notify shippers and carriers of problems
- Maintained accurate records of client communications, transactions, policies, and other relevant documentation for seamless operations within the agency.
- Informed clients of policies and procedures.
- De-escalated and resolved customer complaints with punctual, polite and professional service.
- Enhanced client satisfaction by promptly addressing inquiries and providing accurate information on products and services.
Office Agent
Swiss Port International
01.2013 - 05.2013
- Capture cargo data and transfer into the computer system for import and export flights
- Process and coordinate manifests for all freights and flights
- Serve customers and collect charges appropriately
- Distribute proper documentation to Customs, Sales, and Accounting
- Ensure documents are in compliance to the FAA and U.S
- Customs standards
- Properly rate airway bill for charges
- Handling cash transactions
- Notify shippers and carriers of problems
- Trace missing items, arrange for forward transit
- Oversee operations when no supervisor is on call
- Informed clients of policies and procedures.
- Maintained accurate records of client communications, transactions, policies, and other relevant documentation for seamless operations within the agency.
- De-escalated and resolved customer complaints with punctual, polite and professional service.
Relationship Banker
Capital One Bank
03.2008 - 12.2010
- Fast - Paced, High Volume, Face - to - Face Customer Contact
- Processing Customer Financial Transactions (i.e withdrawals, deposits, bank checks)
- Identifying and Selling Capital One Bank Products and Services which is Beneficial to the customers needs
- Address Customer Questions and concerns and refer to appropriate internal resources for resolutions
- Establish and control customer files
- Identify Fraudulent Activity to Prevent Potential Losses to the Institution
- Stay Updated on New Products and Services and Maintain Awareness of Current Fraud Activities
- Balancing and Proofing the Vault, Cash Draws, and ATM
- Business Referrals (i.e
- Trust, Insurance
- Lending, etc)
- Manage and supervisor of the teller line
- Open and Close the branch during banking hours
- Supervisor authority such as overrides and approvals
- Reviewed daily, weekly and monthly reports
- Participating in branch auditing for the state of New York and compliance regulations
Customer Service Representative
North Fork Bank
04.2005 - 03.2008
- Fast - Paced, High Volume, Face - to - Face Customer Contact
- Processing Customer Financial Transactions(i.e withdrawals, deposits, bank checks)
- Identifying and Selling North Fork Bank Products and Services which is Beneficial to the customers needs
- Address Customer Questions and concerns and refer to appropriate internal resources for resolutions
- Establish and control customer files
- Identify Fraudulent Activity to Prevent Potential Losses to the Institution
- Stay Updated on New Products and Services and Maintain Awareness of Current Fraud Alerts
- Balancing and Proofing the Vault, Cash Draws, and ATM
- Business Referrals (i.e
- Trust, Insurance
- Lending, etc)
Head Teller
Independence Bank
05.2000 - 10.2004
- Fast - Paced, High Volume, Face - to - Face Customer Contact
- Processing Customer Financial Transactions (i.e withdrawals, deposits, bank checks)
- Identifying and Selling Independence Bank Products and Services which is Beneficial to the customers needs
- Address Customer Questions and concerns and refer to appropriate internal resources for resolutions
- Establish and control customer files
- Identify Fraudulent Activity to Prevent Potential Losses to the Institution
- Stay Updated on New Products and Services and Maintain Awareness of Current Fraud Alerts
- Balancing and Proofing the Vault, Cash Draws, and ATM
- Business Referrals (i.e
- Trust, Insurance
- Lending, etc)
- Supervising and Training up to five tellers on teller line
Education
GED -
Jamaica High School
Jamaica, NYSkills
- Leadership and management, Operational efficiency
- Expert problem solving, Positive attitude, Goal-oriented mindset
- Warehouse safety
- Know your customer
- Relationship building and management
- Customer relations, Policy development and implementation
- Sales and marketing, Cross-selling products
- Documentation management
- Loading and unloading
- Security procedures
- Payment processing, Cash handling expertise
- Banking
Special Training
Windows Vista, Windows XP PRO, Windows NT, Windows 2000, Microsoft Office XP Pro, Adobe Acrobat Professional, J - Walk, Horizon Net 2000, Multi Channel Desktop, Lotus Notes, Teller Pro, Client Connect, QuickBooks, Mosaic, Zues, Computer Business Applications I, Computer Business Applications II, Computer Business Applications III
Languages
English
Full Professional
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Personal Banking Consultant
Lakeland Bank
03.2024 - 08.2024
Financial Service Representative
Hanmi Bank
06.2023 - 09.2023
Customer Service Rep
Valley National Bank
09.2018 - 11.2018
Connect @ Macy's Specialist
Macy's
05.2017 - 09.2018
Shipping/Receiving
Goya
10.2016 - 02.2017
Office Agent
TAS/Aerotek
11.2014 - 10.2015
Office Agent
Swiss Port International
01.2013 - 05.2013
Relationship Banker
Capital One Bank
03.2008 - 12.2010
Customer Service Representative
North Fork Bank
04.2005 - 03.2008
Head Teller
Independence Bank
05.2000 - 10.2004
GED -
Jamaica High School
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