Assistant Administrative

NOEMI S. CRUZ

Profile: Female **, Married

Nationality: Filipino

Current Location: Qatar

Previous Position: Senior Officer

Treasury Operations

Company: Qatar National Bank

Preferred Location: Qatar

Salary Expectation: Negotiable

Cellphone: +974-****-**** (Qatar)

+632 917-***-**** (Phils.)

Email Address: ********@*****.***

OBJECTIVE:

To seek a dynamic and challenging position in an organization where I can demonstrate and share my knowledge, skills, and experiences, thereby attain excellence and professionalism in my chosen career.

SELF APPRAISAL:

* Self-motivated and able to work independently

* Helpful to others and a team player

* Adaptable to work environment

* Communicate effectively with co-workers

* Strong analytical and problem solving skills

* Good business letter writing skills

* Ability to work under pressure with strict adherence to

meeting deadlines

* Able to exercise own initiative as well as work as a team,

proven teamwork skills involving managing work to achieve

organization and personal objectives.

DISTINCTIONS:

Constantly achieved Very Good Performance in Treasury

Operations, Investigations, and Reconciliation.

COMPUTER SKILLS:

Experienced user of MS Operating Systems such as Windows10 and

MS Office Applications specifically Microsoft Excel, Microsoft Word, as well as Internet, and other business software such as OPICS, SWIFT, Electronic Payment System (EPH), Equation, Safewatch (OFAC), Thomson Reuters Deal Tracker System, EDMS for archieving, and Corona for reconciliation.

Willing to learn new technologies/ upgrade and innovations.

PROFESSIONAL EXPERIENCE:

QATAR NATIONAL BANK Doha, Qatar

2007 to 2020: Senior Officer, Treasury Operations

TREASURY OPERATIONS (Treasury Settlement & Capital Market Operations)

Associated with the following key responsibilities:

Authorization of foreign exchange, money market deals,

FX Options, BTR, and Swap deals in OPICS and Equation.

Verification/ Authorization of deals for QNB Branches (London, Paris,

Singapore, Yemen) in OPICS and send end-of-day report to branches.

Verification/ Authorization of Nostro Transfers

Verification/ Authorization of swift messages related to payments

and fund transfers

Investigation for non-payment / late-payment of funds by remitter

Investigation for non-receipt/ late-receipt of funds to beneficiary

Reconciliation of unmatched items in the Corona.

Documentation

Matching of foreign exchange and money market deals with corresponding outgoing swift messages (MT103, MT202, MT210 and MT300/320), and incoming confirmation from counterparties.

Investigation

Coordinate with counterparty/ correspondent bank for late payment/ late receipt or non-payment/ receipt of funds or any difference in payment, or discrepancy in confirmation related to FX and Money Market deals.

Ensure prompt and timely resolution of cases.

Nostro Reconciliation

Respond to unmatched items related to treasury transactions. Pass necessary entries. Coordinate with correspondent bank or counterparty when needed.

Ensure prompt action and clear outstanding items before month-end.

SWIFT Operations

Prepare manual MT202/200 swift message for payments related to

treasury and nostro transfers.

Prepare MT299 swift message for queries related to treasury transactions.

Verification/ Authorizaion of Swift messages.

Compliance Sanctions

Adhere to rules and regulations related to FX and Money Market

transactions and seek approval as required.

Check messages that go to Safewatch (OFAC system) and release upon

verification as valid message.

System Automation and Modifications:

Coordinate with IT Department for implementation of Treasury Systems/

modules related to FX, Money Market, request for access, or any

concern regarding the application and interface of these systems.

Reporting

Check Daily Matching Report on outgoing and incoming confirmations.

Generate OPICS Settlement Report to ensure that all deals

are properly posted in the account.

Check QNB London, Paris, and Singapore payments to ensure

that all payments are released and acknowledged.

STANDARD CHARTERED BANK Manila, Philippines

2003 - 2004 : Research, Reconciliation, & Investigations Officer - Cash Management Operations

Investigate any late/ non-receipt/ unable to apply funds.

Set standard turn-around time for resolution of cases.

Approve outgoing MT299 swift messages related to investigations.

Coordinate with Remittances Dept regarding research and investigations

of amounts booked to Funds Held.

Check and approve monthly and quarterly reports due to Central Bank

Develop and update Quality Procedures for Research, Reconciliations,

and Investigations.

2001 - 2002 : Account Services Officer

Cash Management Operations

Assist Teller on daily incoming checks received over-the-counter

(Metro Manila, Regional, and out-of-town checks)

Balance all checks received and forward to Clearing Department

for onward transmission to the Central Bank.

Approve dispatch of bank statements and other items to clients via

courier.

Approve bank reports on export taxes received over-the-counter.

Ensure timely submission of bank reports due to Central Bank.

Coordinate with Clearing and Accounting Departments on daily

outstanding items.

In-charge of staff appraisal on a semi-annual basis.

Develop and update Quality Procedures for ICP-Account Services

1998 - 2000 : Senior Customer Service Representative

In-charge of the Premium Service Banking which provides automatic

faxing of daily, weekly, and monthly bank statements, balance reports to

clients, and courier pick-up service for checks and other mails to and

from the Bank.

Attend to customer inquiries and complaints related to loans, import-

export, remittances, and treasury deals.

Investigate non-receipt of remittances for corporate and individual clients.

Dispatch advices and bank statements.

Prepare daily RCOCI report (Returned checks and other clearing items),

and advise clients for necessary funding of accounts.

Monitor Daily Bills Purchase Line of Corporate Accounts.

Maintain prompt and reliable Customer Service at all times.

1996 - 1997 : Senior Credit Investigator and Loans Processor

Inquire via CIBI (Credit Investigation Bureau Inc.) and BAP (Bankers

Association of the Philippines) Credit Bureau on clients prior to

approval/renewal of banking facilities and provide Account Relationship

Managers with corresponding reports.

Respond to inquiries from other banks on accounts with credit dealings

with us.

Process loan drawdowns as instructed by Corporate Banking Group.

Prepare Customer Profitability Analysis report on monthly, quarterly,

semi-annual, and yearly bases.

Prepare Credit Offering Memorandum to detail all outstandings of a

particular client for a specific period.

Prepare entries related to Interest reprising, loan drawdown, and

repayment.

Prepare necessary documentation, i.e., promissory note, trust receipt

documents, etc.

Monitor outstanding loans of the Shell Group under the Euro-dollar Loan

Facility and prepare proper documentation for loan drawdown, interest

and loan repayment.

Preparation of Monthly Central Bank Reports.

1994 - 1995 : Export Bills Processor

Process credit proceeds of export bills and prepare advices to clients.

Export bills negotiation

Process export declaration

Prepare monthly Central Bank reports and those required by the Group.

1991 - 1993 : Account Relationship Assistant

Attend to clients' requests for loan drawdown, repayment, and interest

reprising.

Assist in Treasury deals and placements.

Respond to clients' inquiries and complaints related to their daily

transactions and coordinate with the Corporate Customer Service Centre.

Prepare application for limits and banking facilities for corporate accounts.

Upon approval of banking facilities, prepare facility letter detailing the

limits, amount, period covered, expiry date, and the security

documentation.

Responsible for ocular/plant inspection, calls to client, and prepare

corresponding Inspection/call report.

Prepare Monthly Customer Profitability Analysis.

1986 - 1990 : Security Documentation Staff

Preparation of vouchers and posting of entries related to staff loans and

corporate accounts.

Prepare promissory notes, mortgage documents, and banking facility

letters.

Record securing documents and lodge in the Securities Register.

Maintain an orderly and updated Register Book.

Upon preparation of mortgage documents, pay necessary taxes and

register the same with the appropriate Register of Deeds.

PHILIPPINE COMMERCIAL INTERNATIONAL BANK Manila, Philippines

1985 - 1986 : Bank Teller

In-charge of the daily acceptance of deposits and payment of withdrawals.

Preparation of daily proof sheet.

Assist the New Accounts Clerk in the opening of new accounts – savings

and time deposits.

Assist in foreign exchange transactions.

Accept payment for Meralco, PLDT, SSS, etc.

BANCO FILIPINO SAVINGS & MORTGAGE BANK

Manila, Philippines

1984 - 1985 : Executive Secretary to the AVP

Administrative Assistant and Executive Secretary on all matters

related to the functions of the Area Manager and Assistant Vice

President.

1983 : New Accounts Clerk

In-charge of new accounts transactions such as savings and time

deposits.

Assist in the deposit generation campaign.

Attend to the closing of accounts/ pretermination of time deposits.

Respond to customer inquiries and complaints.

Professional Courses and Trainings:

1.Compliance and Anti-Money Laundering: Qatar National Bank –

Doha, Qatar – done yearly

2. Whisle Blowing and Fraud: Qatar National Bank – done yearly

3. Compliance and Sanctions : Qatar National Bank – done yearly

4. Certified Peer Coaching : Qatar National Bank – 10 MAR 2016

5. Group Supervisory Development Program: Qatar National Bank –

28 MAR 2019

6. Customer Focus : Standard Chartered Bank – Manila, Philippines

7. Working Together in Teams: Standard Chartered Bank –

Manila, Philippines

8. Values Formation and Team Development Workshop :

Standard Chartered Bank – Manila, Philippines

9. Financial Analysis Course : Bankers Association of the

Philippines – Manila, Philippines

10. Trade Finance Course : Bankers Association of the

Philippines – Manila, Philippines

11. Basic Credit Course : Bankers Association of the

Philippines – Manila, Philippines

12. Meeting Retail Customers’ Fx : Standard Chartered Bank

and Money Market Needs - Manila, Philippines

13. Customer Contact & Basic

Selling Skills : Standard Chartered Bank –

Manila, Philippines

14. Loan Documentation : Bank Administration Institute –

Manila, Philippines

15. Signature Verification : Standard Chartered Bank

Manila, Philippines

16. Transactional Analysis : Philippine Commercial International Bank

Manila, Philippines

17. Counterfeit Detection : Philippine Commercial International Bank

Manila, Philippines

Education:

Bachelor in Banking and Finance - Cum Laude 1983 Polytechnic University of the Philippines Manila, Philippines

Bachelor of Science in Nursing – Second Course 2007 Philippine Womens University Manila, Philippines

Languages:

English

Filipino

Reference:

Will be furnished on demand.

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