Nazgol Razzaghipour

• Developed comprehensive financial plans tailored to client needs.
• Developed retirement strategies tailored to each individual client's needs and objectives.
• Collaborated with clients to assess risk tolerance and financial goals.
• Educated clients on various financial products and services available.
• Utilized financial planning software to create detailed reports for clients.
• Conducted regular reviews of clients' financial plans to ensure that their goals were being met or adjusted accordingly.
• Conducted regular portfolio reviews to ensure alignment with client objectives.
• Prepared customized investment portfolios based on clients' risk tolerance, goals, and time horizons.
• Advised clients on how best to maximize returns while minimizing risks associated with investments.
• Analyzed market trends to provide informed investment advice.
• Researched potential investments such as stocks, bonds, mutual funds, annuities, and other securities.
• Monitored clients' accounts and recommended adjustments in response to changing market conditions.
• Provided advice on insurance coverage, estate planning, and tax strategies.
• Simplified complex financial terminology and concepts to support client comprehension and informed decision-making.
• Drafted reports detailing current financial positions and future investment opportunities for review by clients.
• Coordinated with internal teams to address client inquiries and service requests.
• Built strong relationships with clients through effective communication and trust-building.
• Cultivated trust with clients to offer peace-of-mind throughout wealth management strategizing.
• Kept informed of regulatory changes affecting the industry.
• Identified, analyzed and monitored data related to profitability, growth and productivity.
• Negotiated with brokers regarding the purchase or sale of securities on behalf of clients.
• Prepared and finalized proformas for new business opportunities.
• Presented complex concepts related to finance in a clear manner that was easily understood by clients.

• Developed personalized financial solutions for diverse client needs.
• Managed client relationships to enhance service quality and loyalty.
• Guided clients through mortgage processes and options.
• Evaluated mortgage applications for compliance and creditworthiness.
• Prepared loan documentation and ensured accuracy of information.
• Ensured compliance with all federal, state and local regulations related to mortgage lending.
• Analyzed financial data obtained from customers including income, assets and liabilities to determine loan feasibility.
• Collaborated with real estate agents to facilitate transactions.
• Collaborated with cross-functional teams to streamline banking operations.
• Analyzed market trends to inform strategic investment recommendations.
• Conducted market research to identify new business opportunities.
• Mentored junior bankers on products and customer engagement strategies.
• Managed escalations with polite service, knowledgeable support and unsurpassed professionalism to satisfy needs and protect bank reputation.
• Analyzed financial data obtained from customers including income, assets and liabilities to determine loan feasibility.

Achieved Annual Best of the Best Award, 2024.

Achieved Spotlight Award Winner, Q3 2024.

Achieved Spotlight Award Winner, Q2 2024.

Achieved Spotlight Award Winner Q1 2024.

• Managed complex mortgage applications
• Processed business and personal loan applications
• Engages customers to complete needs assessments that identify financial solutions and preferred banking channels while recommending tailored solutions addressing both sales and service needs (e.g. everyday banking, retail investments, lending solutions, home financing (including business-for-self applications)), and small business solutions.
• Engages customers to complete needs assessments that identify financial solutions and preferred banking channels while recommending tailored solutions addressing both sales and service needs (e.g. everyday banking, retail investments, lending solutions, home financing (including business-for-self applications)), and small business solutions).
• Offers clients advice and guidance on available digital and self-serve options with the goal of making banking easy, simple, and fast.
• Supports customer transaction needs based on customer traffic.
• Engages customers to grow BMO’s business by reaching out, generating appointments, and building new relationships within the community.
• Resolved questions and issues from consumer credit audits and quality checks, ensuring accurate data entry and lending application recommendations aligned with legal, regulatory, and lending policy requirements.
• Applies the risk management framework to the portfolio to protect the Bank's assets and maintain the quality of the lending portfolio in compliance with requirements for the lending process and established yield, quality, diversification, and risk guidelines.
• Makes credit recommendations for personal lending transactions, including home financing, in accordance with sound credit granting principles and with the Bank’s policies and procedures.
• Acts as a key member of a collaborative and versatile branch and market team.
• Probes to understand customer personal banking and credit card needs and integrates marketing promotions and programs into customer conversations to provide strategic advice.
• Initiated creative approaches to personalize each customer experience.
• Looks for ways to contribute to the ongoing improvement of the overall customer experience.
• Contributes to business results and the overall experience delivered.
• May work at multiple branches or through various channels based on market needs; work schedule may differ from week to week in terms of days worked, hours, and shifts.
• Follows through on risk and compliance processes and policies to ensure we safeguard our customers’ assets, maintain their privacy, and act in their best interest.
• Keeps current with the wider financial services marketplace, the legal and regulatory environment, and our commitment to uphold the highest ethical requirements of our industry.
• Maintains current knowledge of personal banking products, practices, and trends and integrates into customer conversations.
• Identifies and reports suspicious patterns of activity that are suspected to be related to money laundering.
• Complies with legal and regulatory requirements for the jurisdiction.
• Protects the Bank's assets in compliance with all regulatory, legal, and ethical requirements.
• Escalates complex or unresolved customer situations to managers as required.
• Analyzes issues and determines next steps.
• Assumed broader work and accountabilities to enhance team efficiency.

Received Spotlight Award for exceptional performance in Q4 2023.

Received Spotlight Award for exceptional performance in Q2 2023.

• Guided customers in utilizing mobile applications and online banking to enhance their banking experience.
• Assisted customers by answering banking questions and recommending solutions.
• Trained and coached less experienced team members in procedures, compliance standards and performance strategies.
• Drove branch sales and portfolio growth by recommending various financial products to prospective customers.
• Achieved or exceeded personal sales goals on a consistent basis.
• Devised targeted solutions for various customers and offered deposit, lending and investment services.
• Met with new clients and completed pre-qualification procedures.
• Completed loan servicing procedures to assess compliance with bank and regulatory terms and conditions.
• Increased branch sales and portfolio growth through tailored recommendations of financial products to prospective customers.
• Determined whether members met eligibility requirements for new services.
• Resolved escalations with courteous service and expert support, ensuring customer satisfaction and safeguarding bank reputation.
• Reviewed business packages and offered expert advice.
• Put together and executed loan documents.
• Set up new and regularly serviced existing accounts to bring in maximum revenue.
• Verified amounts and integrity of every check or funds transfer.
• Researched and resolved open items and deposit issues.
• Researched account information regarding loans and deposits.
• Attended local gatherings and networking events to build community relations.
• Executed account modifications, openings, and closures to meet customer needs..
• Developed and oversaw events to bring in customers and promote products.

• Assisted in continuous development of effective store associates to achieve desired sales and results.
• Completed frequent walk-throughs and directed team members to correct issues impacting store appearance or professionalism.
• Coached and developed store associates through formal and informal interactions, enhancing skills and performance.
• Oversaw aspects of maintenance, inventory and daily activity management.
• Set schedules and delegated assignments based on team strengths to optimize floor coverage and service levels.
• Provided mentorship for employees to generate sales, promote effective upselling and cross-sell to improve retail productivity.
• Led teams in planning and executing merchandising and operating initiatives, improving store efficiency and effectiveness.
• Collaborated with staff to maximize customer satisfaction, streamline procedures and improve bottom-line profitability.
• Supervised cashiers in processing credit, debit, and cash payments to streamline sales.
• Conducted an analysis to address productivity and improve employee morale.
• Monitored supplier operations to verify quality, delivery schedule and conformance to contract specifications.
• Assessed, optimized and elevated operations to target current and expected demands.
• Built proactive and productive relationships with business agents to maintain operational efficiency.
• Oversaw daily operations of store, including inventory and supply restocking, cash-handling and assisting customers.
• Aided in negotiation with vendors and suppliers to reduce overall costs.
• Trained staff on daily duties, supervised tasks, and provided feedback, elevating performance and boosting customer satisfaction.
• Oversaw daily operations by delegating tasks, managing shift changes and conducting keyholder duties to open and close business.
• Oversaw inventory receiving, stocking, pricing and returns by coordinating with vendors and directing employees.
• Recruited, interviewed and hired qualified employees to provide top-quality service.
• Coordinated merchandising by planning floor layouts and displays, guiding resets and directing sales signage placement.
• Created engaging merchandise presentations to motivate impulse purchases.
• Boosted sales through attractive merchandise presentation, competitive pricing and adequate inventory.
• Measured goal achievement by evaluating daily cash flow, reviewing sales reports and producing financial statements.
• Analyzed inventory trends to guide product ordering and develop sales promotions to minimize overstock.

• Part-time Casual
• Fielded customer complaints and queries, fast-tracking them for problem resolution.
• Educated customers on special pricing opportunities, enhancing their understanding of company offerings.
• Provided outstanding service to new and long-standing customers by attending closely to concerns and developing solutions.
• Assisted customers in making payments on accounts and setting up payment plans.
• Fielded customer complaints and queries, expediting resolution processes to improve customer satisfaction.
• Upheld strict quality control policies and procedures during customer interactions.
• Consulted with customers to determine best methods to resolve service and billing issues.
• Reviewed customer account information to identify current issues and recommend effective solutions.
• Reviewed account and service histories to identify trends and issues.
• Built client rapport while accurately processing repair documentation and troubleshooting technical discrepancies through completion.
• Conducted outbound calls to gather necessary account information. to obtain account information.
• Uphold strict quality control policies and procedures during customer interactions.

• Strong commitment to customer service.
• Assisting the manager in organizing, planning and implementing strategy.
• Coordinating retail store operations.
• Ensuring store schedules and objectives are met by employees.
• Open and close stores effectively and in a timely manner.
• Preparing promotional materials and displays.
• Ensuring compliance with health and safety legislation.
• Dealing with customer queries and complaints.
• Liaising with head office.
• Delegated daily tasks to team members to optimize group productivity.
• Monitored team progress and enforced deadlines.
• Interviewed, hired and trained new quality customer service representatives.
• Fostered positive employee relationships through communication, training and development coaching.
• Counted inventory, resolved discrepancies and completed paperwork to keep system accurate and current.
• Developed and monitored weekly staff schedules.
• Developed and implemented policies, procedures and process improvement initiatives to improve retention rates and increase customer satisfaction.
• Offered constructive criticism regarding quality assurance on team phone calls.
• Performed various troubleshooting tasks to address assembly issues.
• Kept work areas clean, neat and free of safety hazards to maximize efficiency.
• Conducted inspections of equipment before, during and after shifts to immediately resolve issues that could cause project delays.
• Documented production levels, materials used and special incidents to keep management informed of daily activities.
• Kept work flowing smoothly in and out of department by working closely with shipping, warehouse and other personnel to coordinate movements.
• Rotated through series of different stations based on team needs.
• Followed staffing strategies to achieve production goals.
• Operated hand and power tools to clear jams, adjust positions and trim rough edges.
• Reviewed specifications and directions carefully to determine precise set up for production equipment according to specifications.