Relationship Manager Vice President

Jennifer Cephus

Relationship Manager

845-***-**** ***************@*****.***

SUMMARY

Accomplished financial services professional with 18+ years of experience in wealth management, client relationship leadership, and regulatory compliance across banking and nonprofit sectors. Proven ability to build and manage high-net-worth client portfolios, lead teams, and drive business expansion while maintaining rigorous adherence to KYC, AML/BSA, and internal control standards. Adept in risk assessment, financial analysis, and governance frameworks. Vice President/ Board Member

Share Life Gifts Inc. – Bowie, MD 2021 – Present

•Spearheaded fundraising strategy development, directly supporting expansion of educational and financial literacy programming.

•Recruited and built a governance board with diverse expertise, enhancing organizational oversight and decision-making.

•Provided policy and strategy analysis to align nonprofit initiatives with risk mitigation and regulatory best practices.

Wealth Relationship Manager

Citibank, N.A. – New York, NY 2011 – 2021

•Managed a high-value client portfolio including Fortune 500 C-suite executives, developing tailored wealth management strategies.

•Collaborated with internal compliance and financial planning teams to align strategies with regulatory obligations.

•Performed comprehensive KYC/AML reviews; integrated risk-based methodologies to ensure investment suitability and client protection.

•Conducted investment reviews and created documentation in compliance with internal controls and regulatory standards.

Private Bank Relationship Manager

Bank of America / U.S. Trust – Stamford, CT 2008 – 2011

•Designed and implemented financial and estate strategies for high-net-worth individuals aligned with fiduciary and regulatory guidelines.

•Strengthened internal governance processes through partnership with legal, compliance, and audit teams.

•Supported client due diligence activities and maintained documentation to satisfy audit and regulatory inquiries.

Senior Client Manager / Vice President / Team Lead Bank of America / Merrill Lynch – New York, NY 2006 – 2008

•Managed a team of 10 relationship managers with a focus on compliance excellence and revenue generation.

•Participated in top-quintile Bank of America management training, focusing on risk mitigation and operational efficiency.

•Established strategic partnerships that resulted in significant business expansion while maintaining regulatory alignment.

EDUCATION

Master of Business Administration (MBA)

University of Maryland, College Park, MD

Bachelor of Arts, History

State University of New York at Albany – Albany, NY CORE COMPETENCIES

• AML/BSA & KYC Compliance

• Risk-Based Client & Portfolio Assessment

• Virtual Currency & Financial Innovation Awareness

• Regulatory Engagement & Report Writing

• Governance & Internal Controls

• Wealth & Estate Planning

• Stakeholder Communication

• Business Growth Strategy

• Team Leadership & Training

• Salesforce / CRM & Data Tools

TECHNICAL & REGULATORY SKILLS

• Salesforce CRM & Sales Systems

• AML/BSA/OFAC Compliance Procedures

• Governance & Internal Risk Controls

• MS Office Suite (Excel, Word, PowerPoint)

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