Customer Service Professional Experience

Michael Joseph Quarato, CAMS

************@*****.*** 324 Shore Drive D9, Highlands, New Jersey 07732 201-***-**** (c)

CAREER OBJECTIVE

To secure a rewarding career opportunity where my broad-based education and banking experience will be utilized to make a profitable contribution to overall operations. Currently received CAMS certification on 07/20/2015.

PROFESSIONAL EXPERIENCE

Northfield Bank Woodbridge, N.J.

BSA Analyst August 2015-Present

Review daily reports of customer transactions to identify potential fraudulent accounts or activities to be investigated.

Assist in the implementation of new methods, processes and procedures to make daily operations more efficient.

Prepare monthly reports to review assigned alerts from the Anti-Money Laundering (AML) system and then conduct timely and detailed investigations of suspected fraudulent accounts or activities using internal and external resources.

Document investigations and file Suspicious Activity Report (SAR), when necessary.

Conduct all background research, analysis, and due diligence that will be included in summary section of the SARs, and record all transaction detail through thorough documentation.

Responsible for complying with all relevant bank policies and procedures including the Bank Secrecy Act, Anti-Money Laundering, and government compliance.

Investors Bank Iselin, NJ

BSA Analyst August 2013- August 2015

Responsible for determining OFAC false/positives in accordance with OFAC procedures.

Review daily reports related to customer’s activity, investigate and determine whether such activity should be reported to the US authorities as suspicious in nature.

Monitor “Monetary Instrument Logs”.

Review wire transfer activity to detect unusual and suspicious activity.

Interfaces with branches and other departments on BSA issues.

Scan proper documents and reports into Risk Management database.

Montclair, N.J.

Customer Service Associate November 2011- August 2013

Process transactions accurately and efficiently in accordance with established bank policies and procedures.

Answer basic customer inquiries regarding interest rates, service charges and account histories while complying with disclosure requirements, regulations and consumer privacy policies.

Examine checks deposited and determine proper funds availability based on regulation requirements.

Verify and accept payment amounts for mortgage and installment loans.

Cross-sell bank products and services.

Buy and sell currency from the vault as necessary, ensuring the teller cash limits are not exceeded.

Issue personal money orders and cashiers checks.

Maintain appropriate currency logs.

Balance drawer daily, including periodic batching of cashed and deposited checks.

Buy and sell foreign currency from customers.

Verify endorsement, receive proper identification and ensure validity for cashing checks.

Identify counterfeit currency.

Native Nation Events Ramsey, NJ

Account Representative April 2011- August 2011

Contact and secure native leaders around the country for various conferences and similar events.

Managed over 2,500 business accounts from 150 organizations.

Managed and edited an extensive database of over 80,000 contacts.

EDUCATION

Monmouth University West Long Branch, NJ

Bachelor of Arts Degree, Communication with an emphasis in Entertainment Productions May 2010

Technical Skills: Experienced in working with various types of Banking and AML software including Fiserv, SWIFT, Total Plus.

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