Customer Service Management

Michele Sciaraffo

**** ******* **. ( Franklin Square, NY 11010 516-***-**** (primary) (

516-***-**** (alternate) ( **********@*******.***

Qualifications for Management

Versatile, highly-motivated professional experience in loan compliance,

internal auditing, and back-office operations for top-tier foreign banks in

the US. Team player who works well under pressure, adapts easily to

change, and is willing to take on additional responsibilities to meet

client demands and deadlines. Interacts effectively with all levels of an

organization. Committed to developing and implementing organizational

improvements and technical innovations that are in compliance with

corporate, state, and federal guidelines to increase efficiency and

productivity while lowering costs. Proficient in Microsoft Word, Excel,

and Access. Additional areas of expertise include:

Customer Service ( Financial Analysis ( Financial Management ( Foreign

Exchange Trade ( International Business

Office Administration ( Operations Management ( Risk Management (

Processing Improvements ( Training/Instructing

Selected Highlights

. Originally hired as one of two loan compliance officers responsible for

processing 90 loans. Within six months, increased volume to 140 loans as

the sole loan compliance officer.

. Replaced the manual process of reviewing loan requirements with an Excel

spreadsheet, which prompted senior management to invest in an automated

system.

. Communicated to management the need to implement new compliance

procedures for products recently added to the portfolio in order to

maintain compliance with state and federal banking regulations.

. Participated in converting loan and letter of credit portfolios to an

ACBS loan system.

. Improved operational efficiency by implementing new systems for money

market, FX, swaps, and corporate loans and training staff.

Career Track

Rabobank International

Loan Compliance Officer/Assistant Vice President-Credit Risk Management

Group, 2000-2007

Reviewed credit applications and legal documentation for the Commodities

Group, which included energy, metal, and seafood, as well as indenture

agreements/offering circulars for global financial market investments.

Examined and analyzed all required reporting, including financials,

compliance certificates, borrowing base reports, and trustee and note

valuation reports. Identified losses and covenant violations. Maintained

and updated customer compliance files. Partnered with the special asset

management group to evaluate bad debt clients. Prepared monthly reports

regarding violations and losses for review by senior management.

Interacted with the credit committee, relationship managers, and legal

department.

Unicredit-HVB

Assistant Treasurer-Credit Control Administration, 1999-2000

Confirmed that all approvals and ratifications for applications presented

to the regional credit committee were received from the head office in

Vienna. Informed regional management of all mandates instituted by the

head office. Ensured compliance with authorized credit limits at closing.

Approved funding memo versus the credit application, closing certificate,

and bank guarantee. Analyzed and approved loan set-up instructions for

initial funding at closing. Monitored the bank's equity investments by

updating the spreadsheet for purchases and sells. Followed up on

discrepancies related to credit facilities and compliance reporting.

Interacted with the legal department, loan department, and account

officers. Trained newly-hired employees on department procedures.

Continues...

Michele Sciaraffo

Page Two 866-***-**** (primary) 516-***-**** (alternate) (

**********@*******.***

Career Track, continued

First Dominion Capital, LLC

Office Manager, 1998-1999

Prepared and analyzed all trade documents, including trade confirmations,

purchase and sales agreements, netting agreements, funding memoranda, and

total return swap confirmations. Coordinated timely and accurate

accounting entries and fund transfers pertaining to settlement of

transactions. Approved and monitored swap collateral call reports for

changes in pricing and increases/decreases in collateral. Trained and

managed a staff of four direct reports. Ensured all compliance reporting

was received and approved.

Calyon Corporate & Investment

Assistant Treasurer-Credit Control Administration Department, 1995-1998

Prepared term sheets for set-up of credit facilities and monitored

compliance for bank officers. Coordinated all daily loan transaction

activity. Served as a liaison between the trading room and loan

administration regarding advance Eurodollar funding. Coordinated fund

transfers, G/L account reconciliation, and non-accrual portfolio monitoring

and reporting. Prepared and analyzed head office and interdepartmental

reporting on a periodic basis. Coordinated documentation for syndicated

loans. Supported the letter of credit department. Processed documentation

for commercial letters of credit, including bills of lading as well as

payments.

Internal Auditor-Financial and Information Systems, 1993-1995

Performed financial and information audits, including money

market/securities, letter of credit, foreign exchange, foreign exchange

options, mortgage backed securities, interest rate swaps, customer loans,

business continuity testing, federal reserve bank and clearing house

contingency testing, and physical security and application reviews.

Supervisor-Money Market Operations, 1988-1993

Confirmed and processed all money market and securities trades. Provided

support for foreign exchange.

Education

Bernard M. Baruch College of C.U.N.Y.: Bachelor of Arts,

Business/Accounting, (Pending)

American Institute of Banking: Courses in Credit Compliance, Business

Writing, and Internal Auditing

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