Cash Management Customer Service

TERESA CRAMER

Columbia, SC • 740-***-**** • **********@*****.***

Associate Banker

Finance and Operations professional with experience in the Banking and Finance services industry. Efficient with client relationship and working with clients on achieving their financial success. WORK EXPERIENCE

JPMorgan Chase Cash Management 09/2021 - Present

Cash Management Business Specialist

• Take inbound calls from bankers and customers to assist with cash management products

• Outbound calls to customers that bankers have submitted referrals

• Assist business customers with determining the best product to help business be more efficient

• The products we assist with is ACH Collections, ACH Payments, Reverse wire and Quick deposit scanners

• Manage applications for the ACH Collections with the underwriting team and the credit department

• Work with our product team to upgrade processing systems

• Write and implement procedures and developed a training deck Heartland Banking 02/2021 - 09/2021

Universal Banker

• Provide customers with product information to enhance their financial needs.

• Excellent customer service

• Perform transactions for deposits, withdrawals, etc.

• Complete maintenance updates on accounts for customers

• Participate in the branch sales goals.

JPMorgan Chase Securities 11/2011 - 11/2020

Controls and Governance Analyst

Act as liaison between a financial advisor, the Advisor Service Center and the Annuity Operations team case managers who review new annuity account submissions.

• Research and answer internal inquiries submitted from the Advisor Service Center

• Identify trends of case managers through the escalations of errors, recommend new controls and coach case managers to improve quality.

• Manage, research and resolve all escalations requests from legal, supervision, compliance, operations, compliant team or the issue resolution team

• Perform internal audit of process to provide assurance that risk management and controls processes are operating as designed

Business Analyst II

• Develop and maintain risk and control assessment (RCSA) framework used to ensure processes performed by the Annuity Operations team are being conducted according to procedures and educate case managers about the control process.

• Recommend additional controls based on trends in errors or escalations

• Perform all risk internal audits to ensure that the processing units are compliant with controls defined in RCSA, document testing evidence, and report gaps.

Operations Section Manager

Led, directed and managed case managers who review annuity, offshore investments and 529 transactions for a multi- billion-dollar broker/ dealer.

• Established processes and policies to support organizational goals, including improved controls, enhanced productivity and increasing quality standards

• Consistently evaluated staff and workflow to ensure proper capacity planning was in place to respond to volumes

• Provided guidance and development to direct reports to assist with career planning and elevate employee morale.

Delaware County Bank 09/2006 - 11/2011

Assistant Branch Manager

• Oversaw a community bank with more than a million dollars in assets on deposit

• Maximize profitability through superior customer service, effective and prompt communication and follow-up on all pending matters with the customer

• Managed all bank risk activities according to procedures established and in accordance with OCC regulations

• Utilize superior communications skills to motivate staff and develop effective working relationships with peers, executives and clients.

• Achieved monthly sales goals.

• Coached teams on how to look for opportunities and to initiate conversation with clients. Key Bank 01/2006 - 08/2006

Teller Supervisor Mansfield, OH

National City Bank 04/2005 - 01/2006

Teller Supervisor Marion, OH

Fifth Third Bank 04/2000 - 04/2005

Lead Teller and Teller Trainer Delaware, OH

EDUCATION

High school diploma

Buckeye valley Delaware ohio

CERTIFICATIONS

FINRA Series 99 - Operations Professional License

FINRA

SKILLS

analytic, Audit, coaching, conflict resolution, Escalations, Identify Trends, Management, Quality, Research, Sales, Time management

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