JOSEPH RAYES
Bradford,Canada
Summary
Accomplished financial services professional with over a decade of experience in retail lending, credit adjudication, and regulatory compliance. Skilled in analyzing and processing loan and lease applications using systems such as ALS COM/ALP, with a proven track record of sound credit decisions. Strong understanding of AML/KYC regulations and internal risk controls, with a focus on delivering exceptional service to dealers and clients. Known for working effectively across departments to resolve issues, improve processes, and ensure timely, accurate lending operations.
Overview
17
17
years of professional experience
Work History
Retail Lending Officer - Dealer Finance Centre
SCOTIABANK
Hamilton, Canada
04.2021 - Current
- Adjudicate high-volume indirect retail loan and lease applications using ALS COM/ALP in line with lending policy and credit risk guidelines.
- Make approval/decline decisions with sound credit judgment, escalating exception files to ACE Lenders as needed.
- Respond to dealer inquiries regarding declined or incomplete applications with clarity, accuracy, and professionalism.
- Partner with internal teams to streamline re-approval workflows and reduce turnaround time on priority files.
- Identify workflow inefficiencies and provide process improvement suggestions to DFC management.
- Maintain compliance with AML/ATF regulations and internal controls while supporting operational risk standards.
- Support a high-performance culture by contributing to training, collaboration, and team success initiatives.
- Review red flag reports and loan/lease documentation to detect fraud or misrepresentation and assess underwriting and funding practices for compliance
Client Service Representative (Contract)
INVESTIA FINANCIAL SERVICES INC.
Toronto, Canada
11.2018 - 03.2020
- Responded to high-volume inbound inquiries from investment advisors and branch representatives regarding mutual fund and nominee accounts, ensuring a professional and timely resolution.
- Accurately processed complex nominee account transactions, including transfers, systematic investment plans, deposits, and de-registrations, using internal back-office systems.
- Collaborated cross-functionally with fund companies and internal departments (compliance, operations, finance) to troubleshoot and resolve discrepancies, improving response time and client satisfaction.
- Maintained service levels and accuracy benchmarks by optimizing workflow and ensuring adherence to internal controls and regulatory requirements (e.g., MFDA standards).
Mutual Fund Transfers Officer
SCOTIABANK
Mississauga, Canada
01.2018 - 11.2018
- Reviewed and processed fund transfer requests.
- Resolved escalations and ensured documentation accuracy.
- Maintained service levels and compliance adherence.
Quality Control Compliance Officer (Contract)
TD CANADA TRUST
Mississauga, Canada
03.2013 - 04.2017
- Audited RESP accounts and ensured compliance with AML/KYC regulations.
- Liaised with financial advisors to correct documentation deficiencies.
- Trained new officers and promoted first-time-right execution.
- Recognized with On-the-Spot Award for quality and productivity.
Customer Service/Order Entry
HONEYWELL
Mississauga, Canada
02.2011 - 01.2013
- Responded to customer inquiries and provided product support.
- Worked with QA and engineering to investigate product issues.
- Managed priorities to ensure satisfaction and compliance with standards.
Client Admin / QA Officer - Mutual Funds
CITIGROUP
Mississauga, Canada
08.2008 - 01.2011
- Delivered client support and QA testing for fund transactions.
- Created test plans, monitored reporting exceptions, and handled account setup.
- Received Citigroup's Customer Service Award for outstanding support.
Education
DIPLOMA - COMPUTER SYSTEMS ANALYST
Humber College
Toronto, ONSkills
- Mutual funds and nominee accounts
- Microsoft Office
- Lotus Notes
- Intralink
- Team collaboration
- Training
- Credit Risk Analysis
- AML/KYC compliance
- RESP compliance
- Customer service
- Relationship management
- Loan adjudication
- Compliance adherence
- Credit risk assessment
References
Available upon request.
Timeline
Retail Lending Officer - Dealer Finance Centre
SCOTIABANK
04.2021 - Current
Client Service Representative (Contract)
INVESTIA FINANCIAL SERVICES INC.
11.2018 - 03.2020
Mutual Fund Transfers Officer
SCOTIABANK
01.2018 - 11.2018
Quality Control Compliance Officer (Contract)
TD CANADA TRUST
03.2013 - 04.2017
Customer Service/Order Entry
HONEYWELL
02.2011 - 01.2013
Client Admin / QA Officer - Mutual Funds
CITIGROUP
08.2008 - 01.2011
DIPLOMA - COMPUTER SYSTEMS ANALYST
Humber College
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