Tracy Cota
Treasury Management
Anoka,MN
Summary
Service-Oriented Relationship and Cash Management Sales Officer with a 17 year background in Banking and AML/BSA/KYC and Cash Management. Core competencies include Administration and Management, Complex Problem Solving, and Quality Control Analysis. Excellent communication and time management skills. Handles tasks with accuracy and efficiency. Strategic Thinker, and Goal Orientated.. Highly organized and accomplished Cash Management Sales Officer well-versed in monitoring market conditions and banking institution changes to promote Cash Management, Deposits and compliance options to customers. Gifted in building connections, demonstrating products and maintaining consistent sales. Persuasive negotiator with forward-thinking and performance-oriented nature.
Overview
17
17
years of professional experience
Work History
Cash Management Officer
Choice Bank
09.2019 - Current
- Enhanced profitability by developing pipelines utilizing marketing and sales strategies.
- Supervised, trained and mentored staff of two, resulting in consistent team achievement.
- Cultivated strong relationships, establishing trust and loyalty among clients.
- Attended industry events to network with potential clients and stay informed of market developments.
- Boosted sales performance by identifying and targeting high-potential leads.
- Achieved sales goals and service targets by cultivating and securing new customer relationships.
- Resolved problems with high-profile customers to maintain relationships and increase return customer base.
- Implemented cross-selling techniques within the team that significantly increased average transaction value.
- Built relationships with customers and community to establish long-term business growth.
- Enhanced customer satisfaction with timely follow-ups and personalized service.
- Streamlined sales processes by implementing efficient CRM systems and tools.
Senior Deposit Services Manager
Choice Bank
9 2018 - 09.2019
- Responsible for working with Cash Management and Commercial Loan Officers to strengthen and expand core customer relationships
- Promote appropriate deposit and cash management products and services to new and existing bank customers
- Open, close, and administer deposit and cash management products and services using integrated banking programs, platforms and software systems
- Use technical expertise of products and services to provide solutions to clients
- Communication and interpersonal skills are essential in working as a member of a team and interacting with management and clients
- Ability to evaluate and recommend appropriate deposit accounts and Cash Management products and services to clients, utilizing CRM to manage sales opportunities and activities
- Effectively conduct research and troubleshoot client issues by providing knowledgeable and well-articulated responses to questions from clients
- Opens new accounts, administers ATM & Debit Card products
- Prepare and present comparative deposit analyses to clients and Cash Management Officers
- Demonstrates an understanding of Cash Management Product/Service Agreements and is able to effectively explain agreements to clients
- Conducts Customer Reviews to ensure accuracy of products and services
- Assists frontline staff by providing dual control during cash transactions, as well as granting approvals and overrides as needed.
- Streamlined and monitored quality programs to alleviate overdue compliance activities.
- Controlled resources and assets for department activities to comply with industry standards and government regulations.
Business Associate 2/KYC AML/BSA Remediation Liaison
Wells Fargo Bank Wholesale Business Banking
03.2016 - 09.2018
- Conduct internal reviews or audits to ensure that compliance procedures are followed
- Verify that regulatory policies and procedures have been documented, implemented, and communicated
- Helped develop and implement a streamline process of KYC AML/BSA data collection
- Ability to simultaneously prioritize, co-ordinate, and complete multiple projects
- Review and Analyze different accounts and loan application files to verify accurate data to combat fraud
- Collect Document data that supports Principal Business Relationship Managers
- This data identifies new business and current opportunities with customers
- Analyze and resolve client concerns in a timely and professional manner
- Handle day to day complex transactions and issues for customers
- Assist with Covenant Monitoring and Financial Spreads
- Generate Quality Assurance approval for Annual Renewals
- Provide exemplary service to customers in the loan department, initiate the loan workflow and work with loan officers, analysts and customers to gather loan and financial information.
Treasury Management Implementation Consultant
Wells Fargo Bank Wholesale Banking
05.2015 - 03.2016
- Create, maintain, and enter information into databases
- Direct collaboration with key departments of Wells Fargo for effective management of workflow
- Utilization of strong project management expertise and project management processes, practices, methodologies, and tools
- Utilization of extensive knowledge of Treasury Management products and services, in conjunction with bank operating systems
- Analyze specific needs of each client and match bank products and services that optimize account performance: Savings, Checking, and Treasury Management features
- Provides outstanding customer service to bank clientele, utilizing knowledge of treasury products and services.
Operations Processor
Rural Crop Insurance Services, Wells Fargo Company
07.2012 - 05.2015
- Record information such as computer operating time, problems that occurred, and actions taken
- Assigned daily tasks to the team to ensure Service Level Agreements were met
- Communicate with the Regional Sales Department if there were issues with documents that need correcting before being imaged
- Digitally accepted legal insurance forms from agents and processed electronically to FileNet, and corrected any errors before imaging Kofax
- Research complex and detail oriented insurance documents and corresponded to internal and external customers for resolution.
Customer Service Representative 4
Wells Fargo Bank
04.2011 - 07.2012
- Listen to, and resolve Branch complaints regarding systems
- Give guidance on processes and procedures
- Provide BSA/AML/CTR/CIP/CDD/MSB compliance related training to ensure regulations are accurately followed
- Experience in fraud, Bank Secrecy Act, anti money laundering, investigations, of financial crimes transactions or policy violations, risk management, or compliance
- Experienced in interacting appropriately and confidentially with all levels of staff and management
- Resolved complex inquiries from internal and external customers
- Processed complex transactions on-line; performed extensive research to resolve the complex customer problems.
Consumer/Business Phone Banker
Wells Fargo Bank
09.2007 - 04.2011
- Experience fraud, Bank Secrecy Act, anti money laundering, investigations of financial crimes transactions or policy violations, risk management, or compliance
- Participated in events and activities provided by Supervisors and all of Management
- Provided positive and constructive feedback to new bankers so they maximized their skills before leaving the training environment
- Performed extensive research on all deposit and credit accounts
- Followed up with customers to ensure all concerns had been addressed
- Serviced accounts using several bank databases to retrieve, modify, and updated customer information
- Demonstrate personal accountability for performance.
Education
Associate of Applied Science - Supervisory Management with a Emphasis of Human Resources and Quality Assurance
Anoka Technical College
Skills
Customer Complaint Resolution
undefinedWork Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Work Preference
Work Type
Full TimeWork Location
HybridOn-SiteImportant To Me
Work-life balanceHealthcare benefits401k matchCompany CultureFlexible work hoursWork from home optionLanguages
English
Native or Bilingual
Timeline
Cash Management Officer
Choice Bank
09.2019 - Current
Business Associate 2/KYC AML/BSA Remediation Liaison
Wells Fargo Bank Wholesale Business Banking
03.2016 - 09.2018
Treasury Management Implementation Consultant
Wells Fargo Bank Wholesale Banking
05.2015 - 03.2016
Operations Processor
Rural Crop Insurance Services, Wells Fargo Company
07.2012 - 05.2015
Customer Service Representative 4
Wells Fargo Bank
04.2011 - 07.2012
Consumer/Business Phone Banker
Wells Fargo Bank
09.2007 - 04.2011
Senior Deposit Services Manager
Choice Bank
9 2018 - 09.2019
Associate of Applied Science - Supervisory Management with a Emphasis of Human Resources and Quality Assurance
Anoka Technical College
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