Experienced Personal Banker

DIANA B. SEDA

***** ** ***** *****

Miami, FL **196

C (786. 232.5899)

PROFILE

Multicultural, college educated banker, with a solid relationship management background and over 10 years of experience in operations, consumer and commercial business development, community relations, and formal BAI training. Results oriented individual with strong analytical, administrative, decision making, and interpersonal skills. Recognized for exceeding expected results and demonstrating a strong knowledge of banking regulations and BSA/Anti-Money Laundering regulations.

PROFESSIONAL EXPERIENCE

TERRABANK, N.A. (11/2007-12/2008)

Assistant Vice President / Business Development Officer

• Responsible for developing new deposits, loan and merchant business for small to medium size businesses and business professionals.

• Responsible for attaining established individual, department and bank goals through active participation in sales management and officer call programs.

• Drove customer satisfaction by providing quality service, broadened and deepened all customer relationships with the daily support of the Operations and Audit Departments [Overdraft and Time Deposits reports, wire transfers, customers’ files (amendments and updates), accounts investigations, loans (amendments or pay off), etc.].

• Created and maintained files for all accounts to comply with the BSA/AML/KYC regulations.

THE INTERNATIONAL BANK OF MIAMI, N.A. (10/1998-11/2007)

Assistant Vice President / Account Officer-Operations

09/2003 – 11/2007

• Assisted with new branch opening in Doral, Florida.

• Developed and implemented a tailored plan to execute the established sales strategy.

• Performed different types of sales activities for different market segments. Cross sold appropriate products after qualifying prospects.

• Drove customer satisfaction by providing quality service to Domestic and International clients: Opening (data entry) deposit accounts (DDA, SAV, MMA, TD). Receiving customer’s instructions requesting payments for loans or renewals of Time Deposits. Preparing Wire Transfers forms or Cash Advance from a Line of Credit, obtaining the authorization from the appropriate parties and be sent to the Operations Department. Verification of the computer generated reports on a daily basis (OD, TD’s maturity, SWIFT messages when needed, etc.)

• Resolved inquiries from the Commercial Lending, Real Estate, Private Banking and International Divisions; and, domestic and international clients, as well.

• Broadened and deepened all customer relationships, partnering with other sales staff and departments to ensure that all sales opportunities were explored and that customers had consistent and superior experience.

• Recognized for excellent customer retention, delivering commitments to the client as promised.

• Incorporated Bank values into all activities.

• Created and maintained files for all accounts to comply with the BSA/AML/KYC regulations.

• Ensured safety and soundness of the customer’s and the bank’s assets through periodic monitoring of the customer condition and the proper maintenance of customer files.

• Completed all bank-required documents to comply with audit and control standards.

• Participated in micro-marketing and community activities representing the financial institution.

Audit Analyst

11/2002 –09/2003

• Participated in periodic audits of the Bank’s departments to ensure proper implementation and adherence to the Bank’s policies and procedures.

• Performed audits to ascertain compliance with the different banking regulations.

• Coordinated with the Bank’s Compliance Officer for advice on specific regulatory issues, as they arose.

• Worked with outside auditors and performed special projects when required.

• Ensured overall compliance with the Bank Secrecy Act/Anti-Money Laundering regulations by: Conducting transactional testing as required; performing special account investigations as requested; reviewing Check Kiting Report to monitor account activity.

Trading Officer / Miami Forfeiting Group

08/2000 –11/2002

• Handled the purchase of freely negotiable export receivables, owned by the exporter, arising from the exporter’s foreign sales [bills of exchange (drafts), letters of credit or promissory notes] guaranteed by a credit-worthy Bank in the importer’s country.

• Verified transactions usually involving capital goods, commodities, or large projects that required fixed interest rates and short-term repayment periods, most often six months and one year.

• Verified and confirmed the buyer’s name and nationality; what goods were being sold; the value and currency of the contract; and the date and duration of the contract, including the credit period and number and timing of payments.

• Verified what evidence of debt would be used (either Promissory Notes, Bills of Exchange, or Letter of credit), and if applicable, the identity of the guarantor or financial institution providing the AVAL.

• Assured that the bank had the exclusive rights to the transaction for the specified period of time.

Portfolio Manager / Correspondent Banking

10/1999 –08/2000

• Assisted the Correspondent Banking Manager / Senior Vice President / Secretary of Board of Directors in managing Mexico & South American portfolio: Checked line of credit utilization, contacted clients, negotiated terms, wrote disbursement sheets and/or credit offering tickets for approval of transactions as needed. Obtained Directors’ approval when necessary.

• Assisted the Asset Trading Group in sale of assets: Contacted clients and offered assets for sale. Negotiated terms. Closed transactions and obtained confirmation certificates. Upon receipt of funds, issued and mailed participation certificates.

• Maintained weekly exposure report: Updated lines as assets matured and were replaced. Updated line limits and line maturities. Updated monthly multinational exposure report to the Bank’s CFO.

• Requested special line increases and/or new lines: Requested write-ups from Credit Department.

• Obtained compliance information from clients: Financial Statements; Y2K information; and "know your customer" updates.

Wire Transfer Associate-Temporary (referred by Linda Robbins Staffing to The International Bank of Miami)

10/1998-06/1999

• Assisted in the Wire Transfer Department’s operation: Receiving instructions from the different departments of the Bank. Ensured the information was complete. Contacted the Correspondent Banking and Private Banking Divisions, mainly, to resolve discrepancies. Verification of the receipt of SWIFT messages. Received or sent SWIFT messages and faxed transactions’ confirmations to different parties (internally and domestic/international clients). Verification of balances to ensure the funds availability.

SUMMIT BANK, N.A., Hackensack, NJ (1997 – 1998)

Customer Service Representative

LANGUAGES

• Fluency in English and Spanish (oral and written)

COMPUTER SKILLS

• PC literate and conversant with word processing and spreadsheet programs. Outlook. Internet. AS400 (Jack Henry System and Silverlake). I-Check (Diebold). SWIFT.

EDUCATION

• BA in Business Administration. Major: Organizational Development. Universidad Iberoamericana, A.C. – Mexico City. 1983-1987

• Business. EF International Education/University of Cambridge System. Hastings, U.K. 1984

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