Summary
Overview
Work History
Education
Skills
Timeline
Generic

Tami Lucero

Aztec,NM

Summary

Experienced in reviewing financial documents and digital records. Effective at directing, monitoring and inspiring team members to complete accurate and timely investigations and reports. Talented in training employees, solving complex problems and making sound decisions. Meticulous BSA Officer offering 30 years of experience in field and enterprising, diligent style. Successful investigating large recordsets to make accurate evaluations of structures and practices. Versed in applicable audit processes and procedures. Hardworking and passionate job seeker with strong organizational skills eager to secure any position I am qualified for within the company. Ready to help team achieve company goals. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.

Overview

31
31
years of professional experience

Work History

BSA Analyst Officer

Citizens Bank
04.1987 - 12.2017
  • Conducted investigations of transactions processed though bank processing centers to spot evidence of misconduct or neglect.
  • Responded timely to questions from branches and departments regarding BSA policies.
  • Reviewed and filed currency transaction reports submitted by branches within required regulatory-imposed timeframes.
  • Created, reviewed and analyzed customer transaction reports for purposes of satisfying Bank Secrecy and Anti-Money Laundering regulatory requirements.
  • Identified customer activity deemed suspicious or potentially fraudulent and prepared reports for committee review.
  • Conducted investigations and enhanced due diligence reviews of various customer types and industries.
  • Assisted with compliance exams by gathering files, records and other pertinent information for review by compliance examiners.
  • Analyzed situations to determine how best to resolve issues posing potential risks to bank or customers.
  • Incorporated personal experience in reviewing and analyzing reports to recommend further investigation when appropriate.
  • Monitored financial transactions and immediately reported suspicious activity to authorities.
  • Audited and examined financial records, checking for accuracy and compliance with established regulations.
  • Gathered data and prepared financial reports for management review.
  • Directed and participated in formal and informal meetings with bank directors, trustees and consultants to gather information and discuss findings.
  • Investigated activities of institutions to enforce laws and regulations, assessing legality of transactions and operations or financial solvency.
  • Trained and supervised junior financial examiners, explaining procedures and protocols.
  • Developed and delivered compliance training to team members and bank staff.
  • Gathered, reviewed and reported on findings

Branch Manager / Assistant Cashier

Citizens Bank
01.1995 - 12.2005
  • Maintained friendly and professional customer interactions.
  • Assessed employee performance and developed improvement plans.
  • Engaged employees in business processes with positive motivational techniques.
  • Complied with regulatory guidelines and requirements.
  • Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
  • Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
  • Completed filings and upheld strict compliance with regulatory agencies and supervisors.
  • Launched new training program to boost employee skills and staff retention rate.
  • Developed strategic plans for day-to-day financial operations.

Teller / Head Teller

Citizens Bank
04.1987 - 01.1995
  • Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
  • Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
  • Processed customer transactions promptly, minimizing wait times.
  • Disbursed cash and checks accurately while maintaining security of cash drawers.
  • Maintained in-depth knowledge of bank products and services to provide appropriate recommendations to customers.
  • Served as primary point of contact for customers, providing assistance with account maintenance and transactions.
  • Answered telephone inquiries on checking and savings accounts, loans, and lines of credit.
  • Maintained accurate records of customer transactions in line with bank procedures.
  • Learned about customer's financial needs, established trust, and optimized sales opportunities resulting in quality customer service.
  • Monitored and reported suspicious activity in line with bank security policies.
  • Assisted with training of new tellers on policies and procedures.
  • Maintained friendly and professional customer interactions.
  • Followed up on customer complaints and provided solutions to enhance customer satisfaction.
  • Counted, verified and handled bank deposits and armored car transactions.
  • Processed wide variety of retail banking transactions for personal and commercial customers.
  • Executed wire transfers, stop payments and account transfers.
  • Monitored and verified suspicious activity on customer accounts.
  • Trained new hires on customer service policies and procedures.
  • Arranged monies received in cash boxes and coin dispensers according to denomination.

Education

High School Diploma -

Aztec High School
Aztec, NM

No Degree - Office Supervision And Management

San Juan College
Farmington, NM

Bank - Banking And Financial Support Services

Banking School
Albuquerque, NM

BSA Certification - Bank Secrecy Act Certification

BSA Certification
Austin, TX

Skills

  • Financial Oversight
  • Relationship Building
  • Human Resources Knowledge
  • Process Improvement
  • Customer Service
  • Banking Products and Services
  • Branch Operations Management
  • Interviewing and Hiring
  • Cash Handling Expertise
  • Performance Reviews
  • Excellent Work Ethic
  • Decision-Making
  • Attention to Detail

Timeline

Branch Manager / Assistant Cashier

Citizens Bank
01.1995 - 12.2005

BSA Analyst Officer

Citizens Bank
04.1987 - 12.2017

Teller / Head Teller

Citizens Bank
04.1987 - 01.1995

High School Diploma -

Aztec High School

No Degree - Office Supervision And Management

San Juan College

Bank - Banking And Financial Support Services

Banking School

BSA Certification - Bank Secrecy Act Certification

BSA Certification

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