Summary
Overview
Work history
Education
Skills
Additional Information
Languages
Timeline
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CARCH FLOR DE DIOS

DUBAI, UAE,UAE
CARCH FLOR DE DIOS

Summary

SUMMARY OF RELEVANT QUALIFICATIONS AND SKILLS:

Motivated banking professional possessing strong commitment to quality customer service coupled with superb communication skills. Builds customer loyalty by expertly resolving problems and quickly processing transactions.

Overview

19
years of professional experience

Work history

National Bank of Fujairah
Dubai

Senior Cashier
06.2013 - 08.2020

Job overview

  • Processed all teller counter service transactions such as cash deposits & cash withdrawals, clearing cheques, cheque deposits, managers cheques and cheque encashments in line with operational policies & procedures of the bank
  • As a trusted bank employee, assigned as the one of dual custodian for branch vault cash and security stationery
  • Cash reconciliation & balancing
  • Introduced & educated customers on the use of Bank alternative Channels & new digital technologies
  • Inform customers and promote new & existing Business Banking products & value-added services
  • Developed effective relations with the customers and cross sell products while addressing customer's queries/complaints and evolved quick resolutions with minimum turnaround time
  • Established and maintained healthy business relations with customer, enhancing customer satisfaction by achieving delivery and service quality norms
  • Managed customer objections, queries of retail banking customers satisfactorily and coordinated with other departments to make sure that the cases are resolved in provided turnaround time
  • Sent the end of the day lists of transaction for monitoring in AML
  • Processed outward cheque, special clearing, and outward cheque for collection, accepted PDC and processed as well as scanned cheques in ICCS
  • Monitored and maintained branch cash levels and prepares related reports as needed as well as handled complex customer issues while executing excellent customer service principles
  • Maintained cash drawers, investigated discrepancies, trained junior tellers, provided access to vaults, maintained ATM machines, reported to bank officials, and motivated other tellers
  • Developed business for the bank by promoting and cross selling products and services
  • Addressed all accounts and banking related inquiries and proficiently resolved any problems that pertains the transaction
  • Implemented validation on daily transactions and ensured the confirmation in compliance with the finance global policies and guidelines
  • Handled Central bank deposit and withdrawal transactions with the accountability of archiving/filing/mailing of documents
  • Oversaw maintenance and balancing of cash management as well as managed cross currency withdrawal and deposit
  • Ensured adherence to the standard banking guidelines and reconciled all the transaction at the end shift while consistently meeting the department and company objectives and goals.
  • Counted and packaged currency and coins.
  • Maintained discretion and security in handling sensitive personal and financial data.
  • Completed accurate, high-volume money counts via both manual and machine-driven approaches.
  • Organised and stocked teller areas to maintain readiness for daily customer flows.
  • Reconciled cash drawers and daily transaction records to support accuracy.
  • Adhered to vault security procedures and access requirements.
  • Upheld strict financial controls by keeping funds secure and accurately transferring monies.
  • Trained new tellers in institutional processes and procedures, mentoring through learning period and answering questions.

Emirates NBD Bank
Dubai

Bank teller
08.2007 - 04.2013

Job overview

  • Accepted retail and commercial deposits, processing cheques and savings account withdrawals
  • Balanced cash drawer in accordance with Bank procedure and regulations
  • Served customer like cash deposit and withdrawal, cheque deposit or withdrawal
  • Assisted in ordering, receiving, verifying, and distributing cash
  • Maintained the highest level of confidentiality with all information obtained
  • Promoted and cross sell the products and services
  • Performed as a team member in allocating and coordinating the workflow
  • Solved any problems pertaining to any transactions
  • Answered all accounts and banking related inquiries
  • Reconciled all the transaction at the end shift
  • Contributed to the fulfillment of the department and company objectives and goals
  • Adhered to basic principles of the bank's procedure and policies
  • Efficiently handled fortune account, manager's cheque, demand draft and cancellation of the latter
  • Thoroughly processed local and international Telegraphic Transfers, kept, and managed the custody of ATM machines, processed cheque transfers
  • Prepared reports by printing daily cash transactions for end of day transactions with the accountability of checking and processing telegraphic transfers within banks in UAE and to different countries
  • Grew business banking relationship with retail clients by promoting different product and services
  • Worked within established policies, procedures and guidelines and embrace the Banking culture of candor, change, inclusion and teamwork
  • Performed more complex transactions and ensured to provide superior customer service as well as handled customer service problems using established policies/procedures.
  • Consistently met service quality targets by maintaining in-depth knowledge of bank products, services and best practices
  • Employed deposit and withdrawals to balance cash drawers, achieving zero shortages or overages.
  • Facilitated smooth running of service, reporting malfunctions of teller terminals and other equipment to Head Teller to ensure prompt resolution.
  • Completed special procedures for customers such as ordering new cheques, stopping payments or investigating identity theft.
  • Promoted products or services to each customer to consistently achieve sales targets.
  • Built and strengthened customer relationships through positive communication and rapport building.
  • Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
  • Enthusiastically greeted customers and offered dedicated service during the entire transaction, improving bank satisfaction ratings by 100% in less than two minutes transactions.
  • Observed procedures regarding financial and customer information to prevent possible breaches and data misuse.
  • Logged cashier's cheques and other transactions to maintain accuracy of account records.
  • Ensured safety and confidentiality of clients and bank assets, adhering to bank security policies across all tasks.
  • Assisted estimated 50 customers each two minutes and remained poised and professional even in high-stress situations and when dealing with irate individuals.
  • Built and strengthened customer relationships by leveraging excellent interpersonal and communication skills.
  • Counted and packaged currency and coins.
  • Reconciled cash drawer and resolved discrepancies.
  • Sold and cross-sold bank products to new and existing customers.
  • Bolstered understanding of banking products and services by enrolling in available training classes and seminars offered to Teller and Customer Service titles.
  • Logged cashier's cheques and other transactions to maintain the accuracy of account records.
  • Removed mutilated currency from circulation.
  • Volunteered for extra shifts during holidays and other busy periods to alleviate staffing shortages.
  • Identified and mitigated potential fraud and transaction risks.
  • Completed accurate, high-volume money counts via both manual and machine-driven approaches.


Thomas Cook Al Rostamani Exchange Company
Dubai

Senior Cashier
07.2006 - 03.2007

Job overview

  • Ensured adherence to the AML Policies, Regulatory requirements and other policies of the Company which is communicated from time to time
  • Accepted payments for remittance and transfers with the accountability of operating change, exchanges and cash advance
  • Created reports, turned in receipts at end of day and answered routine inquiries and directed more difficult questions and complaints to the appropriate sources
  • Assisted pool personnel during emergencies, handled sale and purchase of thirty-eight (38) foreign currencies and Traveler's Cheques
  • Carried out remittance transactions, foreign currency exchange, collection of payments and inward remittance payments
  • Ensured adherence to compliance guidelines like Know Your Customer (KYC) and Customer Due Diligence (CDD) for the transactions as well as a complaint-free and fast, but error-free delivery of services
  • Complied with the DSES criteria and perform in a way to get ‘Excellent' rating to the deputed branch, thus ensuring organization to achieve desired recognition.

Xavier University Ateneo de Cagayan University

01.2002 - 03.2002

Job overview

Education

Blue Ocean Academy

CAMS (Certified Anti Money Laundering Specialist) course

University overview

CAMs exam pending)

University overview

Xavier University - Ateneo de Cagayan

Masters from business administration
2003

University overview

nine (9) units, Human Behavioral Organization, Written Analysis on Cases, Management Accounting

Xavier University - Ateneo de Cagayan

Bachelor of Science from Business Management
2002

University overview

Skills

  • Cross-selling expertise
  • Banking ethics
  • Risk management evaluation
  • International funds transfers
  • MS Office
  • Accounting systems and software
  • Currency and coin counter
  • Consumer banking
  • Supervising tellers
  • Accuracy
  • Good judgement
  • Financial software
  • Verbal communication
  • Electronic funds transfers
  • Investment Management
  • Confirming transactions
  • Cash Handling
  • Basic accounting
  • Consumer banking specialist
  • Compliance, banking laws and regulations
  • Rapid 10-key data entry
  • Sales expertise
  • Excellent time management skills
  • Positive
  • Banking
  • Financial Advising
  • Customer experience
  • Data confidentiality
  • Payment processing
  • Staff training and mentorship
  • Transaction processing
  • Quality Control
  • Data entry

Additional Information

Additional Information
  • | , Visa Status: Husband Visa.

Languages

English
Fluent

Timeline

Senior Cashier
National Bank of Fujairah
06.2013 - 08.2020
Bank teller
Emirates NBD Bank
08.2007 - 04.2013
Senior Cashier
Thomas Cook Al Rostamani Exchange Company
07.2006 - 03.2007
Xavier University Ateneo de Cagayan University
01.2002 - 03.2002
Blue Ocean Academy
CAMS (Certified Anti Money Laundering Specialist) course
CAMs exam pending)
Xavier University - Ateneo de Cagayan
Masters from business administration
Xavier University - Ateneo de Cagayan
Bachelor of Science from Business Management

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CARCH FLOR DE DIOS