Knowledgeable and dedicated professional with more than 10 years of banking experience. Motivated to maintain customer satisfaction and contribute to company success. Offering deep knowledge of all aspects of banking operations, focusing in SWIFT, check collections, foreign exchange settlement, and cash management. Expert in analyzing data and identifying areas for development. Enthusiastic, creative and with excellent analytical and research skills. Fluent in Spanish
Monitor the Cash Management Systems, approving and sending swift messages, manual payments, account reconciliations, ACHS clearing, client investigations, while ensuring full compliance with all relevant regulations such as OFAC, BSA/AML, KYC, etc.) and policies and procedures.
Maintain an understanding of client day-to-day needs and provide client support relating to Cash Management products including Online Banking, Lockbox, Remote Deposit Capture, SWIFT, Positive Pay and ACH Origination.
Advise Customer on Overdrawn Accounts.
Support the Implementation team with the onboarding of new clients and maintenance of current client base. Duties include opening accounts, proper management of client documentation, KYC and communication with partner banks relating to new clients.
Utilize third party systems to answer client inquiries related to payments and monitor bank to bank transactions.
Interact with third party processors to ensure proper transaction posting, file transmissions, and ACH returns and totals are completed successfully.
Provide recommendation to the Risk Management Team.
Prioritize client inquiries and payment investigations following through until completed.
Responsible for the reconciliation of Nostro and Clearing accounts.
Process checks and Check Collections.
Directly collaborate with the Compliance department on filing and sending BSA/OFAC RFIs to customers on payments held internally and with correspondent banks.
Key Accomplishments:
Created an RFI (request for information) spreadsheet log that included payments kept at DNB and BNYM Compliance. This made it easier to maintain track of open cases and frequently asked OFAC questions. It offered a detailed audit trail of follow-up actions.
Created a file log for ACH and Lockbox file transmissions to keep a record of system failure which aid in avoiding potential risk.
01/2017 to 09/2019
Funds Transfer Operations AssociateBrella – Lake County, IL,
Provided extensive support to the Project Manager, Cash Management and IT department in the development, review, testing and implementation of Swift Message and Payment applications.
Developed, implemented and executed clearly defined test scripts and cases, attesting mandatory SWIFT standards ISO for format specifications and content and properly documented test results.
Executed and created test script on current SDN list and OFAC with multiple variations to determine if the filter is generating alerts for exact matches and/or partial matches and document results.
Verified FEDWIRE payments & SWIFT in Payplus payment application
Monitored SWIFT production environment for failures and diligently contacted the vendor to remediate reported open cases.
Processed all RMA request, including MT 940 statements and Swift Messages advises.
Processed all Swift messages and prepare EOD & SOD reconciliation reports in Total Messaging application with- Daily Validation Report From Swift.
Prepared excel reports, charts and forecast on all SWIFT Traffic volume.
Key Accomplishments:.
Resolved critical production system issues through multiple test scenarios and presented the results to the vendor and senior management team, such as o i.e Missing 4 eyes verification on Outgoing Swift Messages including Free format messages.
Worked directly with corporate clients and gathered business requirements to determine scope of testing.
In addition, provided to the client the right fields and message specifications that ensure that all MT 103s, MT 910 & MT 900 Swift Messages were processed STP.
Created and updated Swift procedures, which led to a satisfactory internal/external audit review.
Developed detailed and well-received test plans, test cases and test scripts that became company standards.
07/2013 to 12/2017
Cash Management Operations SpecialistCommerzbank AG – City, STATE,
Executed FIN Swift Messages (MT101, MT103, and MT 499 & MT 910) for corporate accounts.
Confirmed account balances for cash pooling, cash concentration and overdraft protection.
Informed traders of high volume of FX transactions and created liquidity report for all Swift Messages payments.
Processed more than 500 lockbox checks and ensured that all work (checks, invoices and correspondences) were sorted by account name and performed end of day reconciliation.
Processed Positive checks, stop payments, check adjustments and miscellaneous fees.
Processed ACH payments, reconciliations and adjustments.
Prepared Ad hoc reports for all weekly paid checks.
Prepared and maintained various financial reports in Excel.
Assisted as an OFAC Analyst with first level review on alerted potential cases and hits on screening system (PRIME Compliance Suite).
Annotated and routed suspicious cases to Compliance Dept.
Key Accomplishments:
Collaborated extensively with internal auditors during preliminary and year-end audit processes, with extensive support and research.
Monitored account behavior for check collections and evaluated issues that arose with clients, ensuring immediate resolution, which promoted stronger relationships and resulted in an increase in DDA accounts.
Created an excel report that presented the quantity, the status, and the resolution per check collection, which helped to quicker identified any unpaid check and fee discrepancy.
01/2010 to 07/2013
Operations AssistantSafra National Bank Of New York – City, STATE,
Processed high volume of International, domestic multi- currency payments and debits and credits on customers' accounts utilizing Payplus application and Wellsfargo online platform for payments.
Worked with Swifts Messages (MT101, 102, 103, 202,300, and 499).
Inputted and exported precious metals in Bloomberg (XAU,XAG).
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