JOSEPH RAYES
Toronto,ON
Summary
Dynamic Retail Lending Officer with expertise in credit risk analysis and compliance adherence at Scotiabank. Proven track record in optimizing workflows and enhancing client satisfaction through effective relationship management. Recognized for identifying fraud patterns and implementing process improvements, contributing to a high-performance culture in fast-paced environments.
Overview
17
17
years of professional experience
Work History
Retail Lending Officer - Dealer Finance Centre
SCOTIABANK
Hamilton, Canada
04.2021 - 09.2025
- Adjudicate high-volume, indirect retail loan and lease applications using ALS COM/ALP, in line with lending policy and credit risk guidelines.
- Identifying fraud patterns and trends, and engaging with appropriate business partners to escalate issues as needed.
- Evaluating ongoing credit assessments, and conducting client credit checks.
- 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.
- Review red flag reports and loan documentation to detect fraud, and assess underwriting and funding 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, 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 by optimizing workflow, and ensuring adherence to internal controls and regulatory requirements.
- Reviewed and processed fund transfer requests.
- Resolved escalations, and ensured documentation accuracy.
Quality Control Compliance Officer (Contract)
TD CANADA TRUST
Mississauga, Canada
03.2013 - 07.2018
- 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 the On-the-Spot Award for quality and productivity.
Client Admin / QA Officer - Mutual Funds
CITIGROUP
Mississauga, Canada
08.2008 - 01.2013
- 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
- Credit Risk Analysis
- AML/KYC compliance
- RESP compliance
- Customer service
- Relationship management
- Loan adjudication
- Compliance adherence
References
Available upon request.
Timeline
Retail Lending Officer - Dealer Finance Centre
SCOTIABANK
04.2021 - 09.2025
Client Service Representative (Contract)
INVESTIA FINANCIAL SERVICES INC.
11.2018 - 03.2020
Quality Control Compliance Officer (Contract)
TD CANADA TRUST
03.2013 - 07.2018
Client Admin / QA Officer - Mutual Funds
CITIGROUP
08.2008 - 01.2013
DIPLOMA - COMPUTER SYSTEMS ANALYST
Humber College