MARIA TERESA GARCIA JABBOUR
Summary
Results-driven banking and sales professional with over 20 years of experience in customer account relationship management, business development and wealth management. Skilled in managing VIP clients and leading cross-functional teams, with a proven track record in the UAE market. Known for strong communication skills, integrity, and a customer-first approach.
Overview
19
19
years of professional experience
10
10
years of post-secondary education
1
1
Certification
Work history
Account Relationship Manager
Emirates NBD
Dubai
05.2012 - 05.2019
- Acquired, retained and developed client relationship through excellent networking and customer service skills.
- Managed and grew portfolio of HNW Individuals and SMEs providing holistic financial solutions.
- Consistently achieved targets by 110% thru cross-selling of banking products, investments, and insurance solutions.
- Acted as trusted advisor, ensuring optimal outcomes aligned with client risk profiles.
- Championed KYC/AML compliance and maintained high customer satisfaction scores.
- Key focus on up-selling Liabilities and Assets products.
- Provided excellent customer service to maintain client satisfaction and constant referrals of NTB clients.
- Successfully delivered on tasks within tight deadlines.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Quickly learned and applied new skills to daily tasks, improving efficiency and productivity.
- Carried out day-to-day duties accurately and efficiently.
Customer Service Manager
Emirates NBD
Dubai
07.2009 - 04.2012
- Responsible for handling customer service operations for the affluent client segment of Priority Banking Department, overseeing operational quality and compliance.
- Led a team of Customer Relationship Officers in providing a range of diverse services to Priority Customers with accountability in ensuring that predetermined customer service standards are met and exceeded.
- Worked seamlessly with 20+ RMs on their customer service and banking operational issues.
- Supervised a team of CROs to deliver exceptional service standards and operational efficiency.
- Contributed to innovation initiatives, including the EmiratesNBD think-tank project (Breakthrough Initiative team member).
- Improved operational efficiency by identifying areas of improvement.
- Maintained positive relationships through effective communication.
- Oversaw daily operations, ensuring optimal performance.
Deputy Assistant Branch Manager
National Bank of Dubai
Dubai
11.2008 - 06.2009
- Oversaw evening operations, managing staff, customer issues, and adherence to regulatory standards.
- Ensured compliance with AML policies and operational audits with minimal errors.
- Facilitated smooth branch workflows and customer interactions.
- Managed to overachieve branch targets on Cross Sell of Retail Banking Products.
- Lead the branch to be awarded best branch on its first year
- Ensured that 'Five S' quality standards are understood and adhered to by the branch staff.
- Implemented risk management protocols for safer financial transactions.
- Identified new business opportunities for increased market share.
Associate Officer
National Bank of Dubai
Dubai
06.2005 - 10.2008
- Delivered front-line banking support and drove sales for personal finance products.
- Identified and nurtured high-value client relationships.
- Liaised with cross-functional teams to streamline credit approvals.
- Managed client queries, ensuring customer satisfaction.
- Ensured smooth operation of daily office activities by coordinating tasks.
Sales Officer
National Bank of Dubai
Dubai
07.2003 - 05.2005
- Ranked among top performers for exceeding personal loan sales targets.
- Acquired new business through innovative sourcing strategies and client engagement.
- Handled customer queries efficiently, maintained high levels of customer satisfaction.
- Drafted detailed sales reports for management review.
- Monitored industry trends with the aim of staying competitive in the market.
Sales Officer
National Bank of Oman
Dubai
11.2002 - 04.2003
- Promoted savings products in a newly developed market.
- Conducted competitive market research and client onboarding.
- Handled customer queries efficiently, maintained high levels of customer satisfaction.
- Drafted detailed sales reports for management review.
Unit Manager
LSDA MKTG
10.2001 - 07.2002
- Directed the sales team to meet quotas across multiple Citibank offerings.
- Managed account acquisition and promotional campaigns.
- Regularly reported progress updates to senior management, kept them informed of any major developments.
- Conducted performance evaluations with constructive feedback, resulted in performance improvement.
- Improved unit efficiency by streamlining workflows and refining processes.
Marketing Officer
Twin Hearts Management Services, Inc.
10.2000 - 10.2001
- Developed marketing plans and managed client relations in the medical equipment sector.
- Coordinated with global partners and oversaw import/export logistics.
Account Executive
CMG of Australia Insurance Co.
06.2000 - 10.2000
- Managed corporate and individual insurance accounts.
- Achieved production targets for HMO services.
Education
Bachelor of Science - PHYSICAL THERAPY
Davao Doctors College Philippines
Davao City 01.1993 - 01.1999
High School Diploma - High School Studies
Notre Dame of Marbel For Girls Philippines
Koronadal City, Philippines 01.1989 - 01.1993
Skills
- KYC/ AML knowledge
- Portfolio Management
- Dispute Resolution & Case Management
- Executive & Administrative Support
- Customer Service Excellence
- Microsoft Office Suite (Word, Excel, Outlook)
- Time Management & Organization
- Data Entry & Documentation
- Communication & Interpersonal Skills
- Bilingual: English and Filipino
Certification
- Chartered Institute for Securities and Investments (CISI) UK, 2017,
(Introduction to Securities & Investments)
- Award in Team Leading - ILM, UK, 2008
- Excellence at Work & CRM Training (NBD)
- Certificate in 'Five S' Standards
- Training in CRM systems
- 'Top Performer' - Personal Loans (NBD, 3x winner)
- Advanced Communicator Gold & Competent Leader - Toastmasters International
- Club & Area Winner - Toastmasters Speech Competitions, 2006-2011
References
Available upon request.
Timeline
Account Relationship Manager
Emirates NBD
05.2012 - 05.2019
Customer Service Manager
Emirates NBD
07.2009 - 04.2012
Deputy Assistant Branch Manager
National Bank of Dubai
11.2008 - 06.2009
Associate Officer
National Bank of Dubai
06.2005 - 10.2008
Sales Officer
National Bank of Dubai
07.2003 - 05.2005
Sales Officer
National Bank of Oman
11.2002 - 04.2003
Unit Manager
LSDA MKTG
10.2001 - 07.2002
Marketing Officer
Twin Hearts Management Services, Inc.
10.2000 - 10.2001
Account Executive
CMG of Australia Insurance Co.
06.2000 - 10.2000
Bachelor of Science - PHYSICAL THERAPY
Davao Doctors College Philippines
01.1993 - 01.1999
High School Diploma - High School Studies
Notre Dame of Marbel For Girls Philippines
01.1989 - 01.1993
Similar Profiles
Najiba MohammadNajiba Mohammad
Account Service/SigCap Specialist/Supervisor at Tanfeeth, Emirates NBD/Emirates Islamic BanksAccount Service/SigCap Specialist/Supervisor at Tanfeeth, Emirates NBD/Emirates Islamic Banks
AHMED FARIDAHMED FARID
Regional Sales Manager at Emirates NBD/Emirates Islamic BankRegional Sales Manager at Emirates NBD/Emirates Islamic Bank
Fatiha AboulkhairFatiha Aboulkhair
Human Resources Specialist at Emirates National Bank of Dubai (Emirates NBD)Human Resources Specialist at Emirates National Bank of Dubai (Emirates NBD)
SHAIMAA MOHIYALDINSHAIMAA MOHIYALDIN
Account supervisor at EMIRATES NBDAccount supervisor at EMIRATES NBD
Sean EllisSean Ellis
Account Relationship Manager at FMK AgencyAccount Relationship Manager at FMK Agency