Summary
Overview
Work History
Education
Skills
Certification
Affiliations
Languages
Timeline
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CARMELLE GOMEZ ESPIA

CARMELLE GOMEZ ESPIA

Dubai

Summary

Accomplished banking professional with 10 years of experience in the financial industry. Committed to ongoing development of expertise in compliance regulations and industry best practices, specifically in AML/CFT. Leveraging strong analytical skills to conduct comprehensive investigations into potential compliance breaches, ensuring timely resolution and effective risk mitigation.

Overview

12
12
years of professional experience
1
1
Certification

Work History

Shift In-Charge/FCY Cashier

Al Ansari Exchange LLC
09.2020 - Current
  • Complies with Central Bank of UAE policies related to ensure no losses/penalties.
  • Perform the duties and responsibilities of the Branch/Assistant Manager during their absence (including approvals, work schedule fixations and rate board update etc).
  • Handling buying and selling of foreign currencies and handover excess currencies to main cashier as per operational guidelines
  • Exercise due diligence in process related to customer transactions to ensure legal compliance and mitigate risk.
  • Managed cash transactions in both Foreign and Local currencies, delivering efficient and accurate customer service with professional demeanor
  • Executed transactions, including Remittances and buying/selling of Foreign and Local currencies, with strict adherence to AML and compliance regulations, policies, and procedures
  • Verified and meticulously arranged transaction receipts and supporting documents in sequential order for meticulous recordkeeping
  • Determined competitive buying and selling rates for currencies, strategically attracting and retaining customers while maximizing profitability and safeguarding customer interests
  • Collaborated with Branch Manager to implement business development strategies responsive to market dynamics and competitive trends
  • Support and supervise Unit Compliance Officer in record keeping by providing all supporting documents and bills for each transaction
  • Conducted thorough KYC procedures for onboarding new and existing individual and corporate customers

Loan Account /Marketing Officer

Rizal Commercial Banking Corporation, RCBC
06.2018 - 01.2020
  • Independently verify KYC information for customer onboarding and manage data for existing customers
  • Prepare endorsements and recommendations for new accounts, forwarding them to credit department for evaluation
  • Maintain audit and credit ratings at compliant levels as per BSP/Internal Audit guidelines, showcasing robust AML/KYC track record
  • Support collection department by addressing payment-related concerns, providing recommendations for appropriate actions
  • Advise clients/accredited companies on payment default issues and collaborate with departments for resolutions
  • Achieve management-set targets while upholding credit and documentation guidelines to ensure account quality
  • Engage in cross-selling products like Credit Cards, Insurance, and Housing Loans
  • Identify and nurture new business opportunities, contributing to maintaining and expanding existing client relationships
  • Maintain high-quality portfolio with manageable delinquency rates through effective underwriting processes
  • Handle customer complaints and oversee account management responsibilities
  • Meet annual loan booking targets and maintain acceptable document deficiency levels
  • Supervise staff, assisting with client interactions and operational tasks
  • Participate in Auto Dealers Activities and report to Unit Head and Regional Head

Marketing Assistant

Bank of the Philippine Islands
01.2014 - 05.2018
  • Assisted in devising and implementing effective marketing strategies to promote business growth
  • Conducted independent KYC checks for new and existing customers during onboarding process
  • Cultivated direct client interactions, fostering trust and rapport
  • Achieved monthly and yearly marketing targets, contributing to fulfillment of organizational objectives
  • Supported and accompanied loan officers to meet company and team objectives
  • Collaborated with BPI Branches, Real Estate Brokers, and Auto Dealers/Salesmen
  • Delivered high-quality marketing services to customers, enhancing their experience
  • Established and nurtured strong relationships with Branches, Dealers, Salesmen, and Brokers
  • Provided exceptional customer service, ensuring client satisfaction
  • Assisted Account Officers in coordinating Auto Dealer and Real Estate Broker activities

Education

Bachelor Degree of Business Administration (B.A) - Financial Management

Bukidnon State University
2013

Skills

  • Analytical skills in reviewing customer data
  • Strong and effective communication with active listening and presentation skills
  • Result and Quality oriented
  • High level of accuracy and attention skills
  • Proficient in Word/ Advance Excel / Outlook & Power point presentation
  • Able to work short timeliness in fast-paced environment

Certification

Certified Anti-Money Laundering Specialist ( CAMS )

Affiliations

Association of Certified Anti-Money Laundering Specialists (ACAMS)

July 2023

Languages

English
Fluent

Timeline

Shift In-Charge/FCY Cashier

Al Ansari Exchange LLC
09.2020 - Current

Loan Account /Marketing Officer

Rizal Commercial Banking Corporation, RCBC
06.2018 - 01.2020

Marketing Assistant

Bank of the Philippine Islands
01.2014 - 05.2018

Bachelor Degree of Business Administration (B.A) - Financial Management

Bukidnon State University

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CARMELLE GOMEZ ESPIA