Linda Polanco
Covina,CA
Overview
19
19
years of professional experience
Work History
Know Your Customer Officer
J.P. Morgan Chase, N.A.
03.2022 - Current
- Manage 33 Relationship Banker KYC portfolios for the Middle Market Core Pacific region.
- Take ownership of the end-to-end KYC process to ensure BSA/AML and KYC regulatory requirements are met.
- Asses the risk level of clients based on factors such as location, occupation, financial activities and mitigating any potential legal or financials risks.
- Perform basic and enhanced due diligence on clients with a higher risk profile, which may involve deeper investigations into their background , sources of funds, and business activities.
- Independently oversee the renewal pipeline for designated segment to meet regulatory annual due dates.
- Escalate risk items appropriately and drive issues to resolution.
- Managed complex customer issues effectively, navigating multiple internal resources to identify and implement the best possible solutions.
Operations Relationship Consultant
City National Bank
04.2020 - 01.2022
- Collaborated with cross-functional teams to successfully deliver comprehensive solutions for clients
- Managed client relationships through regular check-ins and updates on project progress.
- Maintained and managed pipeline reporting to track and analyze operational data related to commercial lending applications, due diligence, third party inquiries and clearing conditions.
- Devised and implemented processes and procedures to streamline operations for PPP loans during COVID outbreak.
- Generated reports detailing pre-boarding rejects and conditions.
NBBC Inbound Sales Specialist
Wells Fargo Bank
12.2019 - 03.2020
- Provide inbound and outbound telephone support to Small Business Banking customers and prospects handling 80+ calls per day.
- Provide first call resolution, while following strict procedures that meet compliance guidelines
- Process new/existing account openings, closings and maintenance
- Process applications and pre fill forms
- Review legal formation and ownership documentation
- Training sessions via online platform
- Present and introduce products and services to help customers succeed financially
Sr. CCS Relationship Specialist, Officer
Bank of the West
02.2019 - 11.2019
- Primary contact for assigned portfolio, supporting Clients, Relationship Managers, and back office; resolving a variety of operational inquiries and problems related to Cash Management services, receivables, payables, liquidity and investment and account services
- Process new/existing account openings, closings and maintenance
- Liaison to implementation and sales consultant groups; review implementation documentation for completeness
- Process manual wires (domestic/foreign)
- Training sessions via online platform emulation
- Coordinate and lead conference calls and presentation for new and merging clients
- Provide telephone support to internal and external clients and back office groups
CBG Sr. Relationship Specialist, Officer
Bank of the West
03.2015 - 07.2018
- Provide exceptional support to Relationship Manager, Compliance, Control and Governance and Legal department in order to onboard commercial business accounts and loans
- Review legal business formation documents and organizational charts in order to approve on boarding via the enterprise wide CDD tool
- Review high risk customers and work with relationship manager and compliance team to eliminate possible money laundering and terrorist financing
- Provide telephone and email support to internal and external customers, back office groups and Relationship Managers
- Provide quality assurance for account opening and legal documentation
Sr. Special Operations Support Representative
Union Bank
06.2008 - 07.2014
- Perform a variety of customer service duties in a centralized, high volume environment via phone and email to internal back offices and branches
- Support supervisors in meeting production goals and adhering to policy and procedures
- High priority maintenance to bank wide accounts i.e
- Priority, personal and business accounts
- Exercise good judgment when approving work or providing operational recommendations
- Monitor regulatory/complex high risk processes to mitigate potential losses
- Ensure policy and procedure reports pertaining to customer information protection, Auxiliary Aids, general daily and monthly account balancing, do not Solicit, inconsistent TIN and relationship customer information maintenance meet regulatory compliance
- Provide escalated assistance to office of the president, regional managers, vice presidents and branch management for legal documentation to mitigate possible losses, complaints, and customer account issues, changes and provide staff assistance
Call Center Representative II
Union Bank
06.2006 - 12.2007
- Respond to customer inquiries regarding bank products and services, assist with balance, transactions, stop payment, statement request, maintenance, claim filing, fraud detection and other account-related needs
- Utilize active listening, express willingness to help, identify customer needs and deliver courteous, professional service
- Support growth objectives by presenting and cross-sell bank products and services
Education
No Degree -
Mt San Antonio College
Walnut, CA06-2026
Skills
Expertise in Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), Know Your Customer (KYC), Bank Secrecy Act and Anti-Money Laundering (BSA/AML) requirements
Experience liaison between the front and back office units as a Subject Matter Expert related to CDD, EDD, sanctions, adverse news, and PEP dispositioning
Develop, analyze, identify trends, and present reporting for management on a monthly basis
Experience managing high level client portfolios providing recommendations and solutions as primary point of contact
Experience managing relationship manager portfolios related to KYC onboarding international and domestic clients
Languages
Spanish
Full Professional
Timeline
Know Your Customer Officer
J.P. Morgan Chase, N.A.
03.2022 - Current
Operations Relationship Consultant
City National Bank
04.2020 - 01.2022
NBBC Inbound Sales Specialist
Wells Fargo Bank
12.2019 - 03.2020
Sr. CCS Relationship Specialist, Officer
Bank of the West
02.2019 - 11.2019
CBG Sr. Relationship Specialist, Officer
Bank of the West
03.2015 - 07.2018
Sr. Special Operations Support Representative
Union Bank
06.2008 - 07.2014
Call Center Representative II
Union Bank
06.2006 - 12.2007
No Degree -
Mt San Antonio College
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