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Raymonda Khoury,

*** ********* ******, ***#* El Cerrito, CA 94530 510-***-**** adcr5o@r.postjobfree.com KEY SKILLS

Known for accuracy, attention to detail and timeliness in managing disbursement and reconciliation functions.

Thorough knowledge of retail office operations, including complex transactions.

Leadership ability to guide and direct (Customer Service Representatives) CSRs and Senior CSRs.

Skill in dealing with client issues under stressful situations.

Excellent interpersonal skills and customer service.

Excellent organizational skills to direct workflow and provide consistent scheduling to ensure complete office coverage.

Knowledge of deposit products and services to discuss terms and conditions and to open accounts.

Sound knowledge of Bank’s established policies and procedures.

Knowledge of applicable Federal and state banking regulations.

Strong cash handling experience.

Interact well with colleagues, supervisors and management.

Highly organized, detail oriented, ambitious and hardworking, committed to excellence and to continuous improvement.

Work independently and under pressure.

Open and close branch.

Post and Log night drop, ATM and mail deposits. (Part of dual-control ).

Sell and make referral for bank product.

PROFESSIONAL EXPERIENCE

Mechanics Bank –Hilltop, CA

UB2 March 2017-Present

Mechanics Bank – El Cerrito, CA

UB2 January 2011 – 2017

Lead and direct the activities of the Customer Service Representatives to meet schedules, deadlines and other Bank requirements in a manner that provides superior customer service.

Assist the Customer Service Manager (CSM) with work flow to create smooth operations including before and after hour assignments.

Direct, guide, and coach Customer Service Representatives (CSRs). Address performance issues, including providing input on performance evaluations, interim performance discussions, and performance counseling.

Handle, resolve, or refer customer issues to achieve customer satisfaction.

Approve CSR transactions requiring authorization; resolve operating problems, and approve exceptions within established authorities and limits.

Assist the Customer Service Manager with daily operational duties including performing dual control functions, balancing general ledger accounts, cash control, and other tasks as assigned by the CSM.

Provide comprehensive deposit services to individuals and basic deposit services to fiduciary and businesses. Assist customers with account maintenance, on-line banking, and other basic account issues. Provide basic information regarding other Bank products and services. Assess customer’s needs, and make appropriate referrals to internal and external business partners.

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Conduct operational self-audits under the direction of the CSM.

Perform CSR duties, as needed and open deposit accounts, as required.

In the absence of the Customer Service Manager, assume responsibilities for Retail Office operations.

Attend educational programs appropriate to current or future responsibilities.

Balance vaults, coin machines, taxes, FICA, etc. Audit teller drawers. Assist new tellers with training. Enforce dual control procedures at all times. Mechanics Bank – El Cerrito, CA

Sr. Customer Service Representative, June 2008 –January 2011

Accepted, verified and processed basic to moderately complex customer transactions according to established procedures and security guidelines. Transactions included deposits; payments; transfers; issuing money orders, cashier's checks, traveler's checks; cashing savings bonds; verifying night drop, bank-by-mail, Automated Teller Machine, Express Box; etc.

Completed work thoroughly and accurately with a high quantity of quality output; balanced within the shortage policy and minimized operating losses.

Demonstrated a general knowledge of Bank products and routinely made effective suggestions to customers for appropriate products and services. Made referrals of potential customers to appropriate office employee(s).

Assisted with opening and closing procedures; participate in rotation of office duties; maintained window supplies and help with other related office duties.

Attended educational programs appropriate to current or future responsibilities. Mechanics Bank – El Cerrito, CA

Customer Service Representative, October 2005 – May 2008

Accepted, verified, and processed basic to more complex client transactions according to established procedures and security guidelines. Transactions included deposits, withdrawals, payments, transfers, etc.

Protected the Bank’s assets by ensuring sufficient funds in accounts. Entered stop payments in the on-line computer system.

Assisted customers with check orders; balancing their accounts; safe deposit openings, closing, and transactional use.

Processed transactions submitted through other channels, including night-drop, bank-by- mail, ATM, etc.

Washington Mutual Bank – Berkeley, CA

Teller, January 2002 – September 2005

Processed transactions for personal and business customers and provide information regarding bank services. Executed complex transactions and used the computer to enter deposits, payments, and withdrawals.

Entrusted with handling safe deposit, vault, ATM, and bonds/coupons.

Participated in all training opportunities. Recent courses include principles of banking operations, bank security, teller equipment, banking regulations, and customer transactions.

Identified and sold Washington Mutual products and services beneficial to the customer's needs.

Addressed customer questions and concerns and referred to appropriate internal resources for resolution.

Established and control customer files

Identified fraudulent activity to prevent potential losses to the bank. Page 3 of 3

Thousand Oaks Pharmacy, Berkeley, CA

Cashier / Salesperson, 1991 - 1998

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Operated electronic cash register and card reader.

Reconciled cash drawers.

Performed Public Relations tasks, and other customer service as needed.

Assisted purchasing manager in ordering items and stocking. Baskin Robins, Albany, CA

Cashier / Salesperson, 1989 – 1991

Operated cash register

Assisted customers as they come in.

Managed the cake and decoration department

Reconciled cash register at the end of closing day EDUCATION

AA degree in Business Administration, Emphasis Accounting & Finance. aney College, Oakland, CA 94607

REFERENCES

Available upon Request.

Contact this candidate