Nermine Aziz

* ******** *****,

Freehold,NJ,*****

+1 917 / 494-6110

adrwq1@r.postjobfree.com

EDUCATION

Ain Shams University Cairo, Egypt-May 1999

Bachelor of accounting & business administration (Major accounting), equivalent to USA Bachelor of Accounting, evaluated by World Education Services. U.S.A

Notre Dame Des Apotres School Cairo, Egypt – May 1995

High School Diplomat

EXPERIENCE

Vice President, Senior Cluster Branch Manager/District Sales Coach/Audit & Product management lead

Santander Bank NJ, U.S.A Feb. 2019-Present

• Oversees the district’s branches to help and support the management, coordination and implementation of branch operations, policies and procedures that align with regulatory requirements as well as branches’ P&L to ensure we are running a safe& sound business and profitable.

• Review all daily, weekly, monthly reports to mitigate loss and identify trends.

• Interact closely with various departments: i.e. compliance, lending, BSA, customer service that affect daily branch operations and ensures that branch employees adhere to current procedures and are aware of federal bank regulations CC, D, DD, E,CRA, etc.

• Amend, review and determine that all disclosures are adhering to federal regulations in all branches.

• Delivers exceptional customer service and coaches/ motivates team to deepen existing customer relationships and acquire new customers.

• Responsible for the hiring, retention, motivation, and success of branch colleagues across all job families within the branches.

• Participates in branch functions and community activities to promote organization's image and growth ensuring that the Company maintains a strong.

• Developing, coaching &mentoring branch managers and promoted team members.

• Overseeing investment partnership & affiliation with branches to ensure we are running successful, productive and compliant branches.

• Leading audits and branch inspections projects to ensure all branches are compliant and running efficiently according to all regulations amended to.

• In charge of new/existing product, process and processes reevaluation through focus group discussions and collecting feedback to develop and implement changes, if necessary.

Vice President, Senior Branch Manager.

HSBC Bank NJ, U.S.A April 2018-Feb 2019.

• Support and drive business development activities and source new high value premium and business customers (time allocation to direct sales varies depending on branch size/newness).

• Expand market/opportunity beyond individual branch footprint, utilization of technology and local ‘Right to Win’ opportunities.

• Ensure branch meets and exceeds established sales and revenue goals through robust activity management, while keeping expenses minimized. Manage branch profitability.

• Represent the Company on community organizations and activities to enhance the Company's image and promote and develop additional business through the development and expansion of referral sources.

• Ensure holistic conversations with current and prospective consumer and commercial customers around their financial needs and aspirations.

Manager of Financial Services.

Prudential NJ.U.S.A Sep.2015-April 2018.

• Acting as a strategic leader to my team of financial advisors, utilizing my own business savvy to grow my team’s competencies, skills and developing best in class team of financial advisers.

• Actively recruiting new advisors by participating in community, recruiting events and building relationships as well as developing EXPs.

• Using my own personal experience to guide my team’s activities, help them meet their sales goals by sharing my extensive knowledge about target marketing and customer service excellence.

• Most importantly helping my financial professionals master the intricacies of the business.

• Making sure team is following business ethics and everyone has compliance awareness/AML/KYP/KYC.

• Helping my team grow their business through prospecting, building relationships, discovering needs and offering customized solutions.

• Coaching and developing new and experienced advisors to help them grow at their career.

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Private Client Branch Manager

JPMorgan chase Bank NY, U.S.A Dec. 2007- Sep.2015

• Directly coached and developed the Assistant Branch Manager(s), Personal Bankers, Sales and Service Associates.

• Partnered with the assistant manager to create a strong and positive team/work environment.

• Responsible to develop and cultivate long-term business and consumer relationships to ensure branch sales growth and customer retention.

• Built effective relationships with customers, business partners, staff, and members of the community.

• Assisted with new practices design, enhancement, and remediation projects, including formulating project plans and timelines, facilitating working sessions, reporting on progress, and driving execution.

• Manage the development of key reporting and metrics related to critical CCB Compliance and Business-related activities. Facilitate the communication of information to senior management.

• Collaborate with Global Compliance in connection with Compliance Framework enhancement efforts to design programs that apply best practices and considers changing regulatory standards.

• Assist in governing program change activities by positively and creatively influencing change, ensuring changes are appropriately documented, approved, and; preparing and helping others to anticipate and manage through change.

• Work with Training partners to develop ongoing relevant training programs for CCB Compliance professionals with respect to changes to standards resulting from best practices and quality review activities.

Sales & operations District Manager

IN-XS CORP., T-Mobile Master Dealer, NJ, USA Jan 2003- Dec 2007

• Responsible for overseeing T-Mobile stores across few different states, managing their day to day operations and sales to ensure stores are profitable and operationally sound.

• Responsible for growing Stores ‘profits, lead people, and manage both the sales and service aspects of the customer experience.

• Responsible for all functions and staff within the stores, directly coaches and develops the Stores ‘Manager(s), and Sales and Service Associates in order to create a strong team environment

• Responsible for developing and cultivating long-term business and consumer relationships to ensure branch sales growth and customer retention

• Managing scheduling for employees at more than 25 of IN-XS Stores in different markets, Managing total of at least 75 employees.

• Setting monthly goals, coaching and developing execution plans with team members.

• Auditing the stores’ inventory, as well as accounts payable & receivables.

• Running all the P&L monthly reports/creating excel sheet programs to control the stores revenues & expenses.

Licenses and Skills

Licenses: Series 6, Series 63, Series 26, Series 65, Life, Health & Accident, Property & Casualty, NY Notary public.

Languages: Fluent in English, French & Arabic (native).

Skills: Creative problem solving, Effective interpersonal skills & Leadership, Coaching &Developing, Advanced customers handling, Strong communication skills, Business development (B2B), Compliance & operations experience. Audit controls/AML/KYC, Project management, Strong knowledge of State and Federal banking laws, rules and regulations i.e. Reg. CC, D, DD, E And CRA.

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