Finance and Accounting professional with proven experience in treasury, cash management and with more than 10 years of diverse experience in financial institution services. I have a Bachelors and Master's Degrees in Finance. Proficient in Microsoft Excel and Word. Special strengths are problem solving, customer's service, coordinating and record keeping. A self- starter who is loyal and honest. Able to work independently as well as a part of a team. Work well with deadlines. Expert/proven use of Federal Reserve Accounting System. Experience and skillful in different aspect of payment system through ACH (Automated Clearing House).
Advanced financial analysis
Excellent attention to detail
Expert in customer relations
Flexible team player
General ledger accounting
Excellent communication skills
Financial and operational reporting
Cash Management Specialist, 05/2012 to 09/2014 Signal Financial Federal Credit Union – Kensignton, MD
Provide support and services for Cash Management needs for business members and assist relationship managers in establishing cash management account for business clients.
In charge of the daily processing of Automated Clearing House (ACH), remote deposit and other electronic products related to business accounts including research, report generating and customer service.
Responsible for Cash Management processes for business accounts and ACH processes for consumer accounts.
Analyzed and prepared the monthly business analysis reports.
Managed the Institutional Certificate of Deposit including purchasing and balancing.
Assisted in processing incoming ACH, check processing, returns and other daily treasury functions such as bank reconciliation and wire transfers initiation and postings.
Assisted Account Payable department to process payment for Vendors by check and ACH.
Reconciled general ledger accounts assigned on a monthly basis.
Developed a detailed inventory and fee reporting system for safe deposit boxes.
Treasury Specialist, 04/2005 to 05/2012 Signal Financial Federal Credit Union – Kensington, MD
In charged of the daily treasury function which included the daily funding and balancing of the Credit Union Federal Reserve and Mutual Fund Investment accounts.
Initiated and processed daily domestic and international wires through the FED system.
Federal Reserve Electronic Access).
Recorded daily general ledger entries related to cash accounts for wires and ACH.
Coordinated and managed any disputes regarding wire requests and ACH.
Assist Comptroller in cash flow forecasting and daily cash position.
Member Services Representative/On-Line Banking Coordinator, 07/1997 to 05/2005 Signal Financial Federal Credit Union – Kensington, MD
Responsible for solving problems and issues related to on-line bill payer system.
Retrieved daily e-mails from members with problems and issues.
Resolved issues in a timely manner.
Oversee the balancing and settlement of online banking bill payer system.
Support call center inquiries on general accounts information, resolve problems regarding ACH, Electronic Funds Transfer (EFT), wire transfers, debit cards, garnishment, IRS levies, set up and reset passwords for on-line products and services.
Loan Processor, 08/1996 to 03/1997 Citizens Bank of Maryland Sun Trust Bank – Riverdale, MD
Consumer Lending-Loan Servicing.
Responsible for processing documents for closed installment loans.
Research on paid accounts and process late charges.
Assisted internal and external customer regarding Lien release problems.
Teller, 08/1995 to 08/1996 Nations Bank Bank of America – Annapolis, MD
Process Deposit and Payments.
Cash Handling and Customer Service.
Referrals and Cross Selling of Bank Products.
Trust Support Specialist, 02/1994 to 06/1995 First Union National Bank – Deerfield Beach, FL Capital Management Group- Administrative Service Unit Personal
Trust Support Services for the State of Florida Bill Payment and File
Process remittance and disbursement for bill payment.
Set Up ACH (Automated Clearing House) for internal and external customers.
In charge of obtaining tax cost information on assets that are on the books.
Conducted detail research to acquire tax cost,spinoff,stock splits and return of capital on all assets that are on the books.
Knowledge on trust account opening and cash management
Update customer files and receiving assets on dual control
Retail Investment Research Clerk, 01/1993 to 12/1994 First Union National Bank Capital Management Group – Charlotte, NC
In-charge of keeping records of all microfiche films and files for all retirement services accounts.
Coordinate with Supervisor on all documents from merger banks and facilitate the conversion.
Created and organized a detailed and integrated (merged bank) procedures for retrieving documents for the use of the whole department.
Assisted customers service representatives in solving problems on IRA accounts.
Retail Cashier, 05/1992 to 11/1992 MICRO CENTER – Fairfax, VA
Computer Department Store and Educational Center.
Input data of all sales and process sales at checkout.
Sale Promotion and Customer Service.
Corporate Cashier, 09/1985 to 03/1991 LIG Marine Products, Inc – Zamboanga City, Philippines
American owned tuna processing firm doing extensive label branding and exporting to international markets.
Responsible for cash disbursements, accounts payable/receivables.
Maintain savings and demand deposit at bank.
Entered Cash Account to Journal and General Ledger.
Office Clerk, 03/1984 to 09/1985 Gorostiza Marketing – Zamboanga City, Philippines
Sales Secretary, 01/1982 to 03/1983 Valley Motor Sales, Inc – Zamboanga City, Philippines
Master of Science: Financial Management, 2009 University of Maryland, University College - Adelphi, MD Financial Management
Bachelor of Science: Banking and Finance, 1980 Ateneo de Zamboanga University (Jesuit University) - Zamboanga City Banking and Finance
General Banking Diploma: 2002 American Institute of Banking - Washington DC The AIB curriculum centers on banking essentials, such as the role of
banking in the U.S. economy and the purpose of specific banking
Administrative, bank reconciliation, banking, business analysis, call center, cash flow, cash handling, cash management, conversion, customer service, debit, E-Commerce, Electronic Funds Transfer, forecasting, general ledger, inventory, Access, Excel, Microsoft Word, internet research, processes, promotion, record keeping, reporting, research, treasury,and accounts payable.