Rajandeep Kaur
Kitchener,ON
Summary
Experienced and detail-oriented professional with a strong work ethic and expertise in financial product sales, demonstrated at Credit Union. Proven track record in exceeding sales targets through effective cross-selling and conflict resolution. Skilled in regulatory compliance and fraud identification, delivering exceptional customer service to enhance client relationships and drive branch performance.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Bank Teller
WFCU Credit Union
09.2024 - Current
- Assisted personal banker with paperwork, member onboarding and KYC processes.
- Maintained strict compliance with banking standards, regulations and laws.
- Retained up-to-date knowledge of offered products and services to educate customers on features, benefits and pricing.
- Assisted in greeting, directing and engaging with client lobby traffic.
- Recommended beneficial products and services to customers, consistently exceeding monthly goals.
- Assisted with ATM maintenance, including stocking cash and troubleshooting issues.
- Participated in ongoing training programs to stay current on industry regulations.
- Answered incoming phone calls and addressed customer inquiries promptly.
- Conducted wire transfers for domestic and international transactions.
- Achieve and exceed individual and branch sales targets by identifying and acting on cross-selling opportunities.
- Provide personalized financial advice and recommend suitable banking solutions to meet members' short- and long-term goals.
- Promote and open Registered Investment Products such as TFSA, RRSP based on members’ investment needs.
- Assist clients with lending solutions including Lines of Credit, Quick Loans, and Overdraft Protection.
- Conduct accurate monetary transactions including deposits, withdrawals, cheque cashing, and bill payments while ensuring compliance with internal controls.
- Educate members on digital banking tools including mobile applications, online banking, and ATM usage.
- Proactively contact members regarding maturing GICs and provide renewal options aligned with their financial objectives.
- Maintain accurate branch documentation and records, ensuring confidentiality and regulatory compliance.
- Support daily and monthly branch audits by preparing required documentation and addressing discrepancies.
- Participate in branch campaigns and promotions to increase product awareness and member engagement.
- Collaborate with Financial Advisors and Lending Specialists to refer complex financial inquiries or investment needs.
- Monitor and report suspicious activity in accordance with AML (Anti-Money Laundering) policies and conduct regular audits to ensure compliance with AML regulations.
- Help members to resolve/refund fraud transactions.
- Complete LCTR (Large Cash Transaction Report) and UTR (Unusual Transaction Report) if any suspicious transaction is found.
- Prepare month end General Ledger reconciliation reports.
Branch Associate
Cashco Financial
06.2023 - 08.2024
- Delivered exceptional customer service to maintain high client retention and support achievement of financial and branch performance targets.
- Promoted loan and financial protection products through honest, needs-based conversations with clients, both virtually and in person.
- Performed account recovery activities by sending past due notices and conducting follow-up calls on delinquent or missed payment accounts.
- Advised clients on repayment options to support debt resolution while maintaining positive client relationships.
- Assisted clients in improving their credit by offering guidance on budgeting, savings strategies, and documentation for credit repair.
- Ensured accurate and timely data entry by updating customer records based on interactions and financial history.
- Conducted pre-call research to tailor communications and repayment solutions based on clients' payment behaviors and financial standing.
- Met or exceeded monthly branch sales and service goals by maintaining a proactive and client-focused approach.
- Built trust and rapport with clients to promote long-term engagement and reduce default risks.
- Educated clients on their financial obligations and the importance of timely payments to avoid collections escalation.
- Prepared and submitted daily operational reports and supported local marketing efforts to drive business growth.
- Collaborated with team members and leadership to improve branch efficiency and customer experience.
- Ensured compliance with lending regulations, privacy policies, and anti-fraud procedures.
- Trained new team members on loan processing systems, customer service protocols, and compliance procedures.
Financial Services Representative
Pay2Day
04.2022 - 05.2023
- Built rapport with clients to drive loan product sales and grow the client base, contributing to branch revenue targets.
- Performed loan application processing, including document preparation, client support, and thorough risk assessments to approve or decline loans responsibly.
- Managed the entire loan life cycle, from initial engagement and application to repayment and pre-collections follow-ups.
- Conducted pre-collection and outbound calls to reduce delinquency rates and support financial recovery efforts.
- Maintained accurate and up-to-date client files, ensuring compliance with internal policies and federal/provincial financial regulations.
- Adhered to all security protocols, including branch opening/closing procedures and cash handling policies.
- Balanced branch negotiables and inventory daily to ensure accurate reporting and reconciliation.
- Responded to high volumes of inbound and outbound customer calls, offering solutions and resolving inquiries or complaints in a professional and timely manner.
- Maintained branch filing systems and ensured a clean, organized, and client-friendly environment.
- Collaborated with management to review monthly earnings and recommend corrective actions to meet operational targets.
- Supported all front-line customer service functions, including in-person, phone, and digital client interactions.
- Executed daily payment reminders to customers, contributing to improved repayment adherence and reduced default rates.
- Ensured strict adherence to all financial service laws, policies, and procedures, promoting ethical lending practices.
- Participated in local community outreach to promote financial literacy and awareness of lending options.
- Trained new employees on POS systems, compliance requirements, and effective client communication strategies.
Sales Representative
Reliance Life Insurance
04.2017 - 08.2017
- Supported all front-line customer service functions, including in-person, phone, and digital client interactions.
- Executed daily payment reminders to customers, contributing to improved repayment adherence and reduced default rates.
- Ensured strict adherence to all financial service laws, policies, and procedures, promoting ethical lending practices.
- Participated in local community outreach to promote financial literacy and awareness of lending options.
- Trained new employees on POS systems, compliance requirements, and effective client communication strategies.
Education
Diploma - Finance And Accounting
Centennial College
Scarborough,ON12-2025
Associate Diploma - Rgy Systems Engineering
Centennial College
Scarborough,ON05-2019
Bachelor of Science - Nanotechnology
Lovely Professional University
India04-2016
Skills
- Patience and empathy
- Listening and comprehension
- Problem-solving
- Time management
- Banking software
- Financial product sales
- Conflict resolution
- Sales and Cross-selling
- Phone etiquette
- Confidentiality awareness
- Multitasking and organization
- Regulatory Compliance
- Fraud identification
- Investment product sales
Languages
English
Professional Working
Certification
• IFIC(Investment Funds in Canada) certified
• LLQP(Life License Qualification Program) certified
• Certified Microsoft Specialist- Excel
• Certified Microsoft Specialist- Word
Timeline
Bank Teller
WFCU Credit Union
09.2024 - Current
Branch Associate
Cashco Financial
06.2023 - 08.2024
Financial Services Representative
Pay2Day
04.2022 - 05.2023
Sales Representative
Reliance Life Insurance
04.2017 - 08.2017
Diploma - Finance And Accounting
Centennial College
Associate Diploma - Rgy Systems Engineering
Centennial College
Bachelor of Science - Nanotechnology
Lovely Professional University
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