Strategic Banking Leader and Team Builder

ALKA BHARGAVA

Bethesda, MD ***** 301-***-**** ****.**********@*****.*** Linkedin.com/in/ alkabhargava Professional Summary

Accomplished banking professional with over 20 years of experience in financial services, operations management, and client relationship building. Proven ability to lead high-performing teams, implement process improvements, and ensure regulatory compliance. Skilled in managing credit card services, risk assessment, and financial performance while delivering exceptional client experiences. Adept at collaborating with cross-functional teams and vendors to optimize workflows, drive innovation, and exceed organizational goals. Core Competencies

• Client Satisfaction & Retention Credit Card Services Management Operational Excellence

• Regulatory Compliance (Regulation Z, Truth in Lending) Risk Assessment & Mitigation

• Process Improvement Team Leadership & Mentoring Financial Reporting & P&L Management

• System Testing & Implementation Stakeholder Engagement Project Delivery Professional Experience

Assistant Vice President, Branch Manager PNC Bank – Bethesda, MD Nov 2023 – Present

• Drove a 666% increase in YTD investment revenue and a 158% rise in loan revenue, boosting branch performance.

• Proficiently managed financial performance through budgeting, cost control, and revenue optimization, including P&L oversight and risk mitigation strategies.

• Identified and minimized key business risks, ensuring compliance with regulatory and legal standards.

• Delivered exceptional client experiences by resolving issues promptly, utilizing advanced tools, and driving omni-channel customer engagement strategies.

• Facilitated talent acquisition and retention through effective onboarding, coaching, and development programs.

Operations Manager/Supervisor Navy Federal Credit Union – Vienna, VA May 2019 – Oct 2023

• Directed and mentored a team of 10 employees to achieve operational excellence, meeting and exceeding KPI objectives.

• Attained a 98% team quality score by ensuring strict adherence to service-level agreements

(SLAs) and operational standards.

• Successfully implemented process improvements to optimize workflow efficiency, reduce errors, and enhance team performance.

• Collaborated with multi-disciplinary teams and third-party vendors to implement system upgrades, troubleshoot operational issues, and enhance member service delivery.

• Acted as a subject matter expert in banking products, account types, eligibility criteria, and compliance with regulations, including the Bank Secrecy Act and Regulation Z. Assistant VP, Branch Manager Mid-Atlantic Federal Credit Union – Germantown, MD Jul 2015 – Apr 2019

• Exceeded business loan targets by 120%, achieving $2.2M in loans against a goal of $1M.

• Surpassed business deposit objectives by 180%, securing $2.8M in deposits compared to the $1M goal.

• Formulated extensive policies for operations and audit processes to enhance regulatory compliance.

• Successfully implemented process improvements to optimize branch workflow, resulting in increased efficiency and revenue growth.

• Outperformed a $4M goal by generating $28M in HELOC and personal loan sales through exceptional client acquisition strategies.

Assistant Vice President, Branch Manager M&T BANK – Poolesville, MD Oct 2001 – Jul 2015

• Attained branch financial targets for commercial loans and deposits, maintaining and growing existing client relationships.

• Optimized revenue margins by managing client portfolios and upselling additional products and services to customers.

• Executed emerging marketing campaigns by introducing creative concepts and leveraging multichannel strategies.

Education

Master’s Degree in Child Psychology Bachelor’s Degree in Home Economics – Agra University, India Awards & Affiliations

• Awards: President’s Award for Production, 2020 Top Producer at Mid-Atlantic Federal Credit Union (2016, 2017, 2018) President’s Council Awards at M&T Bank (2010, 2011, 2012)

• Affiliations: Board Member of the Poolesville Chamber of Commerce Member of the Medallion Club at M&T Bank

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