Daisy Munoz

ACH Processing: Primary responsibilities will include prioritizing tasks, overseeing departmental
queues, workflows, creating, and sending outgoing ACH files, internal money movement,
manually returning ACH entries, processing reversals and completing timely reconciliation of
general ledgers. In addition, diligently safeguard the credit union's best interests, ensuring
prudent financial practices and strategic decision-making

Wire Processing: Primary responsibilities include supporting branch staff with wire entry and
member inquiries and issues related to wire transfer activity, monitoring wire queues for timely
processing, careful review of all wire activity for accuracy, funds availability and fraud concerns,
and providing wire transfer reports daily to management, Accounting, and other departments as required.

Regulatory Compliance: Ensure that all payment operations comply with relevant regulations and
industry standards, including NACHA rules for ACH, Regulation CC for checks, and the Uniform
Commercial Code (UCC) for wire transfers. Stay current on changes in payment-related regulations
and help implement necessary updates to ensure compliance.

Maintain accurate records, document processes and procedures, and ensure operations comply with internal policies and external regulatory requirements.

• 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.

• 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.

• Facilitates a stimulating, informative, organized job readiness/search training program(s)
• Ensures classes/sessions are designed to effectively address various learning styles
• Conducted comprehensive needs assessments to identify gaps in knowledge and skills, informing future program development.
• Used critical thinking to break down problems, evaluate solutions and make decisions.
• Adaptable and proficient in learning new concepts quickly and efficiently.
• Demonstrated strong organizational and time management skills while managing multiple projects.

• 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

• 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

• 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