SUMMARY OF QUALIFICATIONS

Highly Accomplished Banking Professional with strong background in Financial Crime Compliance, including Anti-money Laundering, Sanctions and Transactions investigations. Working closely with the Compliance/ Risk groups in order to address any request for information (RFI) relevant to sanctions, fraud, potential suspicious activities, violations and provide/ investigate any available information if needed. A Strong academic background, Certified Anti-Money Laundering Specialist (ACAMS). Advanced knowledge of Bank Secrecy Act, USA Patriot Act, Office of Foreign Assets Control (OFAC), FinCEN, FRB, FTC, FINRA, SEC, NY DFS, International Sanctions, KYC/ CDD standards, & Risk Models.

Areas of Expertise

KYC/KYB/CDD/EDD

Anti-Money Laundering framework (BSA/ AML)

Anti-Fraud

Compliance Policies & Control Procedures.

Sanctions (OFAC/ International)

Qualitative Analysis and Determining a Credit Risk Rating

Training/Coaching & Mentoring, Lead Development & Follow-up

Portfolio Management

Team Building/ Leadership

Public Relations

Public Speaking & Presentations

Hold events for Career Day at high Schools and Universities (Rutgers, NJIT & Felician College)

Productivity Strategies

Proficient in Commercial (LMI Loans & Real Estate Owner and Non-owner Occupied) & Residential Lending

Financial Statements and Tax Return Analysis

Balance Sheet and Cash Flow Analysis

Cash Budgets and Pro Forma Statements

Loan Structuring

Documentation, Pricing and Problem Loans.

Member of committee for new products and new application projects.

PROFESSIONAL EXPERIENCE

M&T BANK, Paramus, NJ August 2022 - November 2023

Vice President/Relationship Manager

Business & Professional Banking

●Develop new banking relationships with business prospects.

●Work with branch partners to maximize sales.

●Evaluate credit information and requests and recommend appropriate loan structure to manage risk.

●Achieve sales goals.

●Loan production and deposit balance production.

●Manage loan portfolio of $7.5MM to $20MM.

●Actively participate in all business banking and retail sales sprints. Achieve call targets and other product sales goals such cash management, visa merchant, and others as assigned. Participate in civic and cultural organizations and programs. Utilize prescribed selling techniques to maximize sales opportunities.

●Has the ability to sell effectively to prospects and clients; manage and retain existing clients.

●Responsible for acquisition of new to bank business segment clients, with a focus on new loan production, depository balance growth YOY, and annualized revenue growth.

●Conduct targeted prospect / client meetings. Ensure that all regulations are being met pursuant to account opening for depository products, and the processing of credit requests.

●Implements internal policies and control procedures with a thorough knowledge and understanding of guidance, laws and regulations.

●Responsible for performing tasks in a manner that are compliant with applicable laws and regulations and/or that serve to help the company be in compliance with laws and regulations that apply to the business line the position supports.

●Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.

BANK OF AMERICA, Manhattan, NY January 2020 - August 2022

Vice President / Business Banker

●Develop and maintain profitable lending and deposit relationships with both new and existing business clients.

●Partner with Business Compliance Officers, control owners, Compliance stakeholders and subject matter experts to maintain a robust AML and Sanctions control environment.

●Deliver the full spectrum of business and personal financial solutions to meet the client’s needs and help make their financial lives better.

●Build and deepen business relationships, actively connect with clients and execute consistent follow-up routines to meet their needs.

●Deliver client presentations with confidence, including in-depth credit analysis to recommend appropriate credit option strategies to help business clients achieve their goals.

●Work closely with Financial Intelligence Unit in AML and Fraud escalations/ investigations to supplement any SAR reporting.

●Assigned to participate in the Paycheck Protection Program task force in the review and approval process.

VALLEY NATIONAL BANK, Wayne, NJ June 2001 – March 2019

Vice President / Territory Sales Manager

●Managed a $200 million deposit territory. Responsible for increasing profitability by cultivating new business and growing existing bank relationships.

●Retained high net-worth accounts by strengthening relationships through Compliance periodic on-site visits and follow up.

●Developed territory sales strategies and delivered high impact sales presentations and proposals.

●Developed and generate new business accounts and identified commercial loan leads.

●Structured strategic proposals negotiated business terms and close transactions.

●Managed and continually expanded customer base through superior relationship-building talents.

●Achieved revenue and customer retention goals while increasing client profitability through relationship building and outstanding service delivery.

EDUCATION

●Bloomfield College,1993, Bloomfield, NJ

●BA in Accounting

CREDENTIALS

●Certified Anti-Money laundering Specialist, ACAMS, 2021.

●Certified in Business and Commercial Lending, American Bankers Association, 2019.

●NJ Life Insurance License, 1996.

●Achievement Awards for top sales and annuity from AIG and John Hancock

COMMUNITY SERVICE

●Treasurer of Passaic Urban Enterprise Zone

●Treasurer of Passaic Rotary Club

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