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Customer Service Representative

Great Neck, New York, United States
May 17, 2018

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Ray J Zeng

***** **** *** *** ** Bayside NY ***** Cell: 646-***-**** Email:


A dedicated professional with 5+ years financial experiences and have a broad knowledge of the banking industry. I have strong concept of AML, BSA, UAR, and KYC Due Diligence. Professional with extensive knowledge of business operations and government policy. Now Seeking to contribute my experiences, and skills to the team in practice.


Mortgage Originator PowerHouse Solutions, Mortgage Bank November 2016--Present

Interview clients to determine financial status, credit, financial objective, risk tolerance and other information needed to develop a financial plan, and supporting KYC and AML team.

Review loan applications and documents for accuracy and completeness

Maintain compliance with federal lending regulations and bank underwriting policies.

Operates within established risk parameters/tolerances and meets internal/external risk and compliance obligations.

Financial Relationship Officer CTBC Bank. USA October 2015 to September 2016

Profiled an analyzed investment product to develop customized financial strategies for clients’ financial needs.

Identify and resolved operational and compliance issues arising during daily activities

Assisted with the bank’s compliance risk management team and fraud team as well as due diligence questions.

Supporting KYC and AML team to conduct client’s transaction to ensure that all AML, US patriot Act, Bank Secrecy Act and other compliance in a timely matter

Branch Relationship Banker HSBC Bank. USA June2014 to October 2015

Identify current and potential customers with additional profit potential and develop action plans to acquire and expand those relationships

Recommendation in such areas as cash management, insurance coverage and investment planning

Identified unusual account activities and high-risk accounts

Understood and complied with monitored the activities if necessary, all applicable laws and regulations regarding AML, Bank Secrecy Act, CTR

Customer Service Representative HSBC Bank. USA March 2013 to June 2014

Handled cash daily, exceeding $50K and ensured an accurate count. Multitasked on a daily basis.

Completed Currency Transaction Reports (CTR) on high volume currency transactions on customers associated with the bank and its departments.

Monitored Customer transactions for the suspicious monetary transaction in compliance to Anti-Money Laundering (AML). Filed and assured the accuracy of CTR and UAR

Maintained the operational effectiveness and control accordance with company and regulatory standards and policies.



Major: Corporate Finance

Minor: Mathematics

Skills & Abilities

NMLS Fed and States NY License IRS Enrolled Agent License Licensed Life and accident and Health Insurance

Reliable, efficient, ethical and accurate with numbers

Skill in learning new concepts quickly

Well organized, detailed oriented, able to work independently and as team player

Fluent in Chinses (Mandarin and Cantonese)

Proficient MS Excel, Access, Visio, SQL Database, Knowledge of Bloomberg Terminal

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