Yvonne Perez
Miami,FL
Summary
Personable Assistant Branch Manager with 10+ years in the banking industry. Skilled at empowering team leadership while ensuring efficient and productive branch operations. Knowledgeable on BSA, OFAC sanctions and regulatory requirements. Actively pursuing a role in the compliance/BSA division to utilize years of experience in related roles. Experienced with International clientele and market.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Assistant Branch Manager
FirstBank Florida-Brickell
Miami, Florida
01.2016 - Current
- Supervised team of 7 branch employees and made recommendations regarding performance evaluations, did weekly scheduling to assure branch had sufficient staff to assist clients, scheduled vacations for proper staffing during summer/peak vacation season
- Performed additional due diligence such as RDC's, Googles, World Checks on all accounts/individuals such as NRA's, multi-layer business accounts making sure no derogatory information for risk or PEP status.
- Wrote and administered employee performance reviews to monitor customer service and personal sales of. team members
- Coached and developed branch staff by offering constructive feedback and training opportunities, KYC policies and procedures
- Conducted weekly staff meetings to motivate staff members, address concerns and questions, plan improvements, and evaluate progress toward goals advice on any operational changes
- Reviewed/approved new account documentation against system for quality assurance. Confirmed all documentation was submitted based on FirstBank standards and policies for BSA and KYC standards
- Performed branch monthly/quarterly audits to include teller, ATM, negotiable instruments for branch meeting bank standards for compliance and internal corporate audits, follow KYC policies and procedures based on bank policies.
- Reviewed/approved business accounts including, PICS ( personal investment companies), multi-layer accounts with underlying companies such as B.V.I's (Cayman Islands, Nevis) and Panama to locate the final beneficial owners,
- Performed all due diligence at branch level for BSA and KYC standards.
- Worked with BSA/compliance department on alerts, gathering additional information for large wires, cash deposits or changes in account activity. meeting deadline with information or documentation on SOW/SOF submitting in a timely manner
- Approved wires assuring OFAC verification was performed. If OFAC failed ensured override with valid reason was provided and cleared by banker
- Reviewed/approved daily, endorsement missing items, NON-Post items from previous day, approving corrections to tran-codes, account numbers or amounts
Branch Service Manager
HSBC Bank USA,N.A-Brickell
Miami, Florida
04.2014 - 01.2016
- Handled customers' complaints and questions with utmost professionalism to restore satisfaction and maintain loyalty to branch
- Performed all branch audits including cash control,Segregation of duties, monthly and quarterly to help prepare for internal and corporate audits
- Would refer prospects/clients based on their needs to relationship bankers, mortgage, wealth management and credit services to help grow branch client base
- Oversaw branch staff consisting of 3 customer service representatives and 4 relationship managers
- Managed staff scheduling on a weekly basis
- Complied with regulatory requirements including BSA, AML, OFAC, US Patriot Act, Privacy Act, Community Reinvestment Act and Trainings
- Worked with Compliance departments to assure branch staff was kept up to date with all policy and procedures, raised any issues or concerns
- Approved new account documentation according to HSBC account opening procedures, reviewed CIF screens completed by bankers pertaining to KYC/CDD information for accuracy to ensure clients were correctly classified during the new account process, account maintenance performed or triggers
- Managed branch from April of 2014 to September of 2015, while a new manager was in process of being hired. Performed all Branch manager duties while also performing BSM assuring branch was compliant at all times according to HSBC policy standards
Branch Relationship Banker
HSBC Bank USA, N.A-Brickell
Miami, Florida
09.2012 - 04.2014
- Processed customer requests for financial services per day, including reissuing statements, ordering additional checks issuing debit cards, and updating customer personal information in database.
- Executed wire transfers, stop payments adding signers, beneficiaries, internal account transfers as well as wire transfers.
- Developed prospects from current commercial clients, referral leads, or wealth management.
- Ensure due dilligence, CIP/KYC policies were maintained according to compliance and bank standards during account opening or account maintenance performed
- Performed google, world-check searches to ensure no derogatory information was found for new or existing customers ensuring compliance standards were met.
- Review existing portfolio and plans on regularly to determine whether life changes, economic changes or financial performance indicate a need for financial reassement.
Customer Experience Associate
HSBC Bank USA. N.A-Brickell
Miami, Florida
02.2008 - 09.2012
- Improved sales abilities and product knowledge on continuous basis to provide optimal service and achieve quotas
- Conferred with customers about concerns with products or services to resolve problems and drive sales
- Effective liaison between customers and internal departments
- Provided accurate information about promotions, customer programs and products, helping drive high customer retention
- Responded to customer requests, offering excellent support and tailored recommendations to address needs
- Increased efficiency and team productivity by promoting adherence to operational best practices and company policies
- Filed appropriate compliance reports with BSA/Compliance department
- Helped grow client base through referrals to all channels such as, mortgage, wealth relationship managers
- Assisted all banker with gathering account documentation for new accounts
- Assisted Asst. Manager with monthly audits to meet operational standards
- Helped prepare branch for corporate audits by conducting periodic internal reviews of new account documentation and audits to ensure compliance standards and policies were met
Sr. Customer Service Representative
HSBC Bank USA, N.A-Brickell
Miami, Florida
05.2004 - 02.2008
- Cash checks to payout to clients, after verifying signatures were correct, that written and numerical amounts agree and that accounts did not have any warnings and sufficient funds
- Receive checks and cash for deposit, verifying amounts, check accuracy of deposits
- Balance currency, coins and checks in teller drawer, against teller system making sure accuracy in balancing was maintained to prevent monetary loss
- Promoted products or services to each customer to consistently achieve sales targets
- Monitored customer behaviors and upheld strict protocols to prevent theft of assets
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches
- Ordered cash supply to meet daily branch, teller and ATM monetary needs
- Processed transactions for different banking products such as IRA's, CD's, night deposits, armored car bags, mailed deposits
- Processed ATM deposits and weekly balancing to ensure no differences were found or losses reported
- Performed monthly audits on teller drawers, ATM and Vault
- I️dentify transaction mistakes and corrected when debits and credits were not in balance
- Resolved issues or discrepancy concerning customers accounts
Education
High School Diploma -
Miami Senior High School
Miami, FL06.1994
Skills
- Operations management
- Goal Oriented
- Self Sufficient
- Time Management
- Organized
- Audit preparation
Certification
- Life/Health Variable Annuity License 06/2012
- ACAMS 03/2019
Additional Information
- Fluent in English and Spanish
- Proficient with Fiserve system, OFAC, RDC, WorldCheck, Microsoft Office
Timeline
Assistant Branch Manager
FirstBank Florida-Brickell
01.2016 - Current
Branch Service Manager
HSBC Bank USA,N.A-Brickell
04.2014 - 01.2016
Branch Relationship Banker
HSBC Bank USA, N.A-Brickell
09.2012 - 04.2014
Customer Experience Associate
HSBC Bank USA. N.A-Brickell
02.2008 - 09.2012
Sr. Customer Service Representative
HSBC Bank USA, N.A-Brickell
05.2004 - 02.2008
High School Diploma -
Miami Senior High School
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