KARELYN CRUZ
Greater Sudbury, ,ON
Summary
Dedicated Banking Officer with successful experience in the financial industry, specializing in the management of high-networth clients. Demonstrated expertise in delivering exceptional customer service, achieving results, and maintaining a strong focus on efficiency and accuracy.
Overview
16
16
years of professional experience
Work History
Senior Customer Experience Associate
Scotiabank
Algonquin Square, Sudbury, Ontario
09.2024 - Current
- Acting as a lobby leader; ensuring customers are appropriately triaged and/or assisted.
- Contributing to the Branch's targets by identifying and fulfilling simple sales opportunities, including opening day-to-day accounts, fulfilling pre-approved credit opportunities, and processing GICs.
- Nurturing rich, long-standing relationships.
- Being a technology expert and sharing your knowledge by introducing clients to our mobile banking applications and assisting them to better manage their banking needs.
Private Banking Officer
MMG Bank
Panama
09.2014 - 01.2023
- Administered and managed international and local client portfolios providing exceptional customer service
- Managed the account opening process for checking accounts, escrow accounts and fixed term deposits
- Provided financial advisory on banking services and products
- Verified and processed client transactions ensuring accuracy and compliance with banking regulations
- Conducted KYC due diligence investigations, utilizing internal systems and public sources to gather and verify client information
- Conducted database and online research to supplement KYC due diligence reports
- Obtained accurate and reliable information to create detailed client profiles according to banking regulations
- Presented new accounts and/or account profile changes to the Compliance Committee
- Responsible for the annual updating of customers files and database ensuring compliance with banking regulations
- Responded to investigations by the Compliance department and correspondent banks
- Established new customer relationships, achieved sales targets, and promoted cross-selling.
Private Banking Analyst
MMG Bank
Panama
03.2013 - 09.2014
- Handled client inquiries via phone and email professionally and courteously
- Assisted the Banking Officers with daily tasks and requests
- Coordinated meetings between account officers and clients, including scheduling and preparation of necessary documentation (bank forms), and assisted with copying, scanning, and printing
- Provided support to Officers in the preparation of customer profiles and risk assessments
- Provided attentive follow-up on client emails
- Coordinated actions for accounts normalization (inactive, overdrafts)
- Identified incoming transfers and track pending transactions
- Managed documents that are about to expire and update customer records
- Reviewed and ensured completeness of customer account opening requirements and forms
- Performed KYC due diligence procedures and ongoing monitoring
- Handled the sending and receiving of physical client documentation
Office Affairs Clerk
Morgan & Morgan Law Firm
Panama
11.2008 - 03.2013
- Maintained an updated database
- Provided support to the Finance Department, including accounting, billing, annual fees
- Maintained close coordination with Lawyers' assistants responsible for clients in Panama, the Caribbean and special structures
Education
Graduate Certificate in Project Management -
Cambrian College of Applied Arts And Technology
Sudbury, Ontario06.2024
Graduate Certificate in Supply Chain Management -
Cambrian College of Applied Arts And Technology
Sudbury, Ontario10.2023
Bachelor's Degree in Business Administration -
Universidad Interamericana De Panamá
Panama12.2011
Skills
- Client-Centric Approach
- Target-Driven Performance
- High Attention to Detail
- Strong Organizational and Time Management Skills
- Teamwork
- Exceptional Customer Service
- Problem Solving
- Proactive
- Goal-oriented
- Research and Analysis
Training
- Money Laundering Prevention and Compliance
- Prevention of Terrorism Financing
- Introduction to Financial Analysis in the Prevention of money laundering and terrorism financing
- Security of the information
Languages
English
Spanish
Timeline
Senior Customer Experience Associate
Scotiabank
09.2024 - Current
Private Banking Officer
MMG Bank
09.2014 - 01.2023
Private Banking Analyst
MMG Bank
03.2013 - 09.2014
Office Affairs Clerk
Morgan & Morgan Law Firm
11.2008 - 03.2013
Graduate Certificate in Project Management -
Cambrian College of Applied Arts And Technology
Graduate Certificate in Supply Chain Management -
Cambrian College of Applied Arts And Technology
Bachelor's Degree in Business Administration -
Universidad Interamericana De Panamá