Summary
Overview
Work History
Education
Skills
Websites
References
honors awards
Certification
Languages
Work Preference
Interests
Timeline
Hi, I’m

Ruchita Tiwari

Associate
Greater Toronto Area,Canada
Ruchita Tiwari

Summary

Motivated (Associate) with experience advising clients on investment strategies, retirement planning and financial planning. Strong background in understanding financial markets, financial products and risk management. Proven track record in helping clients meet financial goals through sound advice and effective portfolio management.

Overview

5
years of professional experience
2
Certification
3
Languages

Work History

RBC

Financial Planning Associate
10.2022 - Current

Job overview

  • As part of my role, I assist expert financial planners in managing their book of business-We operate as a team to ensure that our clients' financial needs are met and they receive the necessary support to achieve their goals.
  • Informed clients of strategies for reducing debt and maximizing savings.
  • Assisted clients with budgeting and cash flow management.
  • Advised clients on investments, retirement and estate planning.
  • Collaborated with senior financial planners to develop innovative solutions for complex financial situations, resulting in successful long-term plans.
  • Managed relationships with high-net-worth clients, ensuring exceptional service and delivery of tailored financial advice.
  • Supported senior advisors in managing client relationships by scheduling meetings, preparing materials, and coordinating follow-up communications.
  • Led training sessions for junior associates to enhance their understanding of key concepts related to financial planning processes.

TD

Financial Advisor/ Manager in delegate
09.2021 - 10.2022

Job overview

  • I helped clients with their financial needs by providing investment and credit solutions, utilizing the firm's comprehensive approach
  • As a financial advisor, I interacted with customers through financial discovery, asking them probing questions to identify their financial situation and needs
  • I developed and implemented a sales and marketing program to attract and retain high-net-worth clients
  • I provided personalized service and support to clients, addressing their concerns and inquiries to ensure their complete satisfaction
  • I offered efficient advice and solutions to clients by staying up-to-date with current markets and new technology
  • In the absence of the branch manager, I provided management support to the branch by performing daily branch tasks and helping the branch team
  • Lastly, I generated new business, leading to an increase in annual sales revenue.
  • Developed comprehensive financial plans for clients to achieve short-term and long-term goals.
  • Collaborated with team members to streamline processes and improve overall client experience.
  • Mentored junior advisors, sharing knowledge, expertise, and best practices to enhance team performance.
  • Built high-performing teams through effective recruitment, onboarding, and talent development initiatives.

RBC

Banking Advisor
03.2019 - 09.2021

Job overview

  • As a first point of contact, I provide professional advice to clients at the branch to cater to their financial needs
  • I onboard new clients to RBC, whether they are newcomers or new to the bank, to provide financial assistance
  • I take a proactive approach to renewals and explore opportunities to partner up and enhance the client experience
  • Conducted comprehensive financial reviews to identify clients'' needs and recommend appropriate solutions.
  • Additionally, I am involved in the community by being a part of various employee resource groups and actively participating in them.
  • Collaborated with team members to achieve branch targets and improve overall performance.
  • Facilitated smooth account opening processes for new clients, ensuring accurate documentation and efficient service delivery.
  • Participated in community events to promote bank''s brand presence while fostering local connections.
  • Assisted in training new employees, sharing best practices in achieving excellent customer service standards.
  • Managed time effectively to handle multiple tasks concurrently while maintaining attention to detail under pressure situations.
  • Strengthened customer relationships through timely follow-ups and proactive communication.

RBC

Credit Specialist
04.2020 - 06.2020

Job overview

  • During the COVID-19 pandemic, I was able to apply my past experience working at an advice center to assist clients over the phone with credit support and provide banking advice
  • It was a challenging time, and our focus was on helping clients manage their debts and providing specialized support to meet their unique needs
  • As a result, I was able to gain extensive knowledge on supporting a diverse range of clients with credit-related matters.
  • Enhanced credit department efficiency by implementing streamlined processes and procedures.
  • Increased customer satisfaction, resolving disputes and offering payment solutions tailored to individual needs.
  • Provided insightful recommendations for continuous improvement of credit processes based on data-driven analysis.


RBC Bank

AC Banking Advisor- Advice Center
11.2018 - 03.2019

Job overview

  • Being part of this team is a valuable learning experience as it equips me with the necessary skills to work both at the branch and the advice centre throughout my career
  • Investigated and resolved customer inquiries and complaints quickly.
  • Educated customers about billing, payment processing and support policies and procedures.
  • Increased client satisfaction by providing personalized banking solutions and financial advice.
  • Streamlined call center processes for improved efficiency and reduced wait times.
  • Managed high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts.
  • Answered constant flow of customer calls with minimal wait times.

RBC Bank

Client Advisor
07.2018 - 11.2018

Job overview

  • I worked as a client advisor with RBC and I have been part of various different branches in Lambton market which helped me to enhance my knowledge and my skills
  • I am looking forward for my growth in this field.
  • Enhanced client satisfaction by providing personalized advice and tailored product recommendations.
  • Strengthened client relationships through regular communication and proactive follow-up on inquiries.
  • Collaborated with team members to develop innovative solutions for complex client needs.
  • Participated in networking events to establish valuable connections within the industry and community at large.

JDW International

Clerical Assistant
01.2018 - 04.2018

Job overview

  • I am a coop student at JDW International
  • My position is Clerical assistant it's an overall learning experience where I am getting knowledge about HR , accounting and administration.

Tiwari Tax Consultancy

Administrative Assistant
09.2013 - 04.2016

Job overview

  • Enhanced office efficiency by streamlining administrative processes and implementing organizational systems.
  • Supported executive staff through scheduling meetings, coordinating travel arrangements, and preparing crucial documents.
  • Boosted team productivity by managing communication channels and ensuring timely responses to inquiries.
  • Ensured accurate record-keeping with diligent data entry and database management for vital company information.
  • Facilitated collaboration within the team by organizing regular meetings, maintaining meeting minutes, and tracking project progress.
  • Managed expense reports for executive staff members, ensuring accurate documentation of spending for budgeting purposes.
  • Improved document organization with thorough file maintenance, archiving outdated records as necessary for efficient retrieval when needed.

Education

Lambton College
Sarnia, ON

PG Diploma from Business Management Human Resources
01.2018

University Overview

  • Graduation Dean's List, [Semester 2nd, 2017]
  • 3.4 GPA
  • Coop- JDW International- Clerical Assistant-Completed -2018

Maharaja Sayajirao University of Baroda, Vadodara
India

BBA from Business Administration and Management, General
06.2016

University Overview

  • Internship- Times of India- Sales Representative- 2013

Skills

  • People Management
  • Retirement Planning
  • Debt Consolidation
  • Mortgages
  • Financial Coaching
  • Business Development
  • Recruiting
  • Executive Support
  • Calendaring
  • Analytical Skills
  • Portfolio Management
  • Organization

Websites

References

References available upon request.

honors awards

Dean's Honor List - Lambton College (01/2019)

Certification

  • PFSA - Canadian Securities Institute
  • Financial Markets - Yale University
  • Investment Funds in Canada (IFC) - Canadian Securities Institute
  • Business Analysis Foundations - LinkedIn
  • Considering Transferable Skills in Talent Acquisition and Retention - LinkedIn

Languages

English
Full Professional
Gujarati
Native or Bilingual
Hindi
Native or Bilingual

Work Preference

Work Type

Full TimeContract WorkPart Time

Location Preference

RemoteHybridOn-Site

Important To Me

Company CultureWork-life balanceCareer advancementTeam Building / Company RetreatsFlexible work hoursWork from home optionPaid time offPersonal development programs

Interests

Reading

Learning

Travel

Hike

Timeline

Financial Planning Associate

RBC
10.2022 - Current

Financial Advisor/ Manager in delegate

TD
09.2021 - 10.2022

Credit Specialist

RBC
04.2020 - 06.2020

Banking Advisor

RBC
03.2019 - 09.2021

AC Banking Advisor- Advice Center

RBC Bank
11.2018 - 03.2019

Client Advisor

RBC Bank
07.2018 - 11.2018

Clerical Assistant

JDW International
01.2018 - 04.2018

Administrative Assistant

Tiwari Tax Consultancy
09.2013 - 04.2016

Lambton College

PG Diploma from Business Management Human Resources

Maharaja Sayajirao University of Baroda, Vadodara

BBA from Business Administration and Management, General

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