Business Development Customer Experience

MARCIA E. BENARD, MBA

Miami, FL ***** 305-***-**** ad0w6h@r.postjobfree.com

Sr. Level Finance Industry and Operations Professional with diverse experience in Banking Operations, Lending Practices, Business Development Initiatives, Deposit Management, Wire transfer, ACH, Product Management, Customer Experience, and Compliance. Track record of integrity, leadership, and results, driving the attainment of business revenue, as well as expense and profitability targets. Expert in identifying and leading strategic business opportunities, analyzing value and impact across complex enterprises, and execution of business plans to achieve sustainable fiscal health for a corporation. Bilingual: English & Spanish. Other strengths include:

Customer Onboarding Process Loan Closing Documentation and requirements

Banking Compliance Solutions & EDD Loan Closing regulations Banking Operations

Anti-Money Laundering and KYC Operational & Financial Analysis Private Banking Workflow

Analyze & process loans SIE Certification Key Performance Indicators Superior analytical skills and sound judgment with meticulous attention to detail. Management executive with extensive operational and financial experience in both domestic and international markets. Writing and verbal communication skills with exceptional ability to drive standardization, problem solve and implement process improvement in rapidly changing environment s. Dedicated, ethical professional with a high degree of integrity and an outstanding work ethic. Consistently identify and resolve emerging compliance risks upholding the highest standards of regulatory compliance. RAYMOND JAMES 09/2022 - PRESENT

Senior Client Associate

Serve as first point of contact for clients, providing client-centric, comprehensive account support for three wealth advisors’ portfolios, totaling

$207MM AUM.

Lead account onboarding process for new clients by reviewing account documents, managing their documents in proprietary platform, liaising with internal and external stakeholders to coordinate signatures and next steps.

Point person for all clients’ requests regarding general account inquiries, online access support, wire transfers and transactions, and any other adhoc requests.

Drive client requests to completion, working cross functionally with AML, Preclearance Compliance, ACAT teams to ensure quick resolutions.

Identify process improvements in account onboarding process and daily operations to consistently ensure client satisfaction. CITI,N.A. 11/2018 – 08/2022

Senior Relationship Manager (AVP)

Managed and maintained client relationships, offering Citi products and services for private banking clients. Managed a portfolio of $19MM specializing in consolidating assets from other institutions.

Implemented financial plans including managing and protecting assets, trust services, and wealth transfer.

Consulted with clients regarding individual financial needs with the highest levels of personal service and credit structuring.

Performed CIP, customer onboarding process, information gathering for regulatory compliance, account audits, and EDD.

Supported wire transfer division, deposits operations, OFAC accounts maintenance, US Patriot act, W8 maintenance.

Handled loan closings for a variety of loan types (Wholesale Commercial Portfolio, Commercial Real Estate, Consumer loans)

Ensured all credit and closing conditions were met.

Ensured loan packages complied with approved loan terms, Bank Policy, and regulations.

Acted as a liaison between attorneys and customers.

Processed post-closing review prior to funding.

BANCO FICOHSA DE NICARAGUA, S.A. 07/2015 - 11/2018

Premier Director

In charge of the private banking segment of the institution, responsible for the growth, operations and maximizing of profits from customers in compliance with bank guidelines and regulations. Managed a portfolio of $82MM and provided leadership for a staff of 18 operations and business development executives.

Lead and executed Ficohsa's wealth management strategy and effectively retained 100% of my Citibank Nicaragua clients, post-acquisition by Banco Ficohsa de Nicaragua. Generated $126MM in portfolio expansion and $22MM in our offshore portfolio.

Guided high net-worth individuals in reaching their financial goals through business and personal banking, debt solutions, insurance, and investments.

In charge of loans processing, reviewing and approving up to $1MM.

Developed strategic, targeted, and integrated marketing campaigns to attain new clients and foster existing relationships.

Launched a “one step resolution” channel for our customers through our client services call center.

Standardized service, operations, and products for our customers on every point of contact in the Central America region. PROFILE

CITIBANK NICARAGUA, S.A. 08/2009-06/2015

Citigold Director

Recruited to establish, build and manage Citi's private bank segment (Citigold) in Nicaragua and drive client referrals through Citi's global affiliate network (CIFS). Responsible for advancing new business development initiatives including marketing products and services to commercial accounts. Managed a portfolio of private banking clients in a highly competitive market.

Grew and managed $77MM in local deposits and offshore deposits of $22MM.

Developed and executed an effective business development plan to build and manage solid client relationships.

Effectively managed the client relationship by selling and promoted a broad array of appropriate financial products and services, providing pertinent financial information to clients and identifying/referring cross-marketing opportunities to meet client needs and become their trusted advisor.

Responsible for the loan processing department, reviewing and underwriting up to $1MM.

Consistently a top performer, exceeding quarterly revenue forecasts and objectives. PACIFIC SEAFOOD DE NICARAGUA, S.A 01/2000 - 10/2008

Chief Financial Officer

Key member of the executive team responsible for the corporate Finance and Operational strategy, as well as the safeguarding of company assets for this seafood exporter. Areas of accountability encompassed business plans, strategic planning/execution, financial systems and reporting, processes and system improvements, internal controls, forecasting, budget management, banking relationships, lines of credit, and staff management with emphasis on spearheading growth and continually improving processes. Managed a staff of 45 reporting directly to the President with full P&L accountability.

Developed and implemented the company’s strategic plan in collaboration with the CEO.

Administered the company's financial resources available to branches of the business and product purchasing for local consumption and exportation. Ensured compliance with tax regulations, reporting and transfer pricing.

Oversaw credit negotiations with financial institutions locally and internationally for credit lines for season terms loans. MASTER OF BUSINESS ADMINISTRATION

Thomas Moore University, Managua, Nicaragua

BACHELOR OF ARTS, BUSINESS ADMINISTRATION

Emphasis in Banking and Finance

Florida International University, Miami, FL

EDUCATION PROFILE AND TRAINING

PROFILE

EDUCATION

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