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Carch Flor De Dios

Candidate ID: 1906924

Career Summary

I bring with me more than sixteen years of valuable corporate experience in the Philippines and also here in National Bank of Fujairah and Emirates NBD Bank as Senior Bank Teller and Customer Service. I can be easily trained to perform multi-tasking jobs. 

Skill Set

speed, hard working and efficient, cash handling, anti money laundering

Professional Information

Total Experience : 16

Nationality : Philippines

Qualification Level : Graduate

Job Function : Banking / Financial Services

Work Location Preference : UAE

Detailed Profile

Senior Bank Teller , National Bank of Fujairah, Dubai
Jun 2013 - Aug 2020
• Successfully managed teller counter service operations including cash deposits,
withdrawals, clearing cheques, cheque deposits, and cheque encashments in
compliance with the bank's operational policies.
• As a reliable custodian, entrusted with the dual responsibility of managing branch vault
cash and security stationery.
• Efficiently performed cash reconciliation & balancing.
• Introduced and educated customers about the latest digital technologies and
alternative channels offered by the Bank.
• Expanded the bank's business by proactively promoting new and existing banking
products and services to customers.
• Fostered effective customer relationships and handled customer complaints, ensuring
minimum turnaround time for problem resolution.
• Ensured customer satisfaction by delivering high-quality banking services and meeting
operational norms.
• Demonstrated competence in managing customer objections and queries, and
coordinated with other departments for timely resolution.
• Prepared detailed end of the day transaction lists for Anti-Money Laundering (AML)
monitoring.
• Skillfully carried out special clearing tasks, outward cheque processing, and PostDated Cheque (PDC) acceptance while maintaining efficient cheque scanning in ICCS.
• Regularly monitored and maintained branch cash levels, prepared related reports, and
addressed complex customer concerns while upholding exceptional customer service
principles.
• Maintained cash drawers, resolved discrepancies, trained junior tellers, managed vault
access, maintained ATMs, and motivated team members.
• Served and assisted customers with cash deposit and withdrawal transactions, cheque
deposits and withdrawals, and cash distribution.
• Actively developed business by cross-selling banking products and services.
• Proficiently handled all account and banking related inquiries, providing effective
solutions for transactional issues.
• Ensured validation of daily transactions and confirmed compliance with global financial
policies and guidelines.
• Managed central bank deposit and withdrawal transactions, including archiving, filing,
and mailing of relevant documents.
• Oversaw cash management maintenance and balancing, managed cross-currency
transactions to ensure appropriate adherence to banking guidelines.
• Diligently reconciled all end-of-shift transactions and achieved department and
company objectives consistently.
• Handled teller transactions while ensuring bank's policies
• Facilitated education on digital banking technologies
• Trained new employees and managed daily ATM operations
• Promoted bank products for business development
• Implemented daily transaction validation adhering to finance policies
Teller, Emirates NBD Bank, Satwa Branch, Dubai
Aug 2007 - Apr 2013
• Executed retail and commercial transactions including deposits, cheque processing,
and savings account withdrawals.
• Demonstrated meticulous accuracy balancing cash drawers in line with Bank
regulations.
• Delivered comprehensive customer services like cash and cheque deposits or
withdrawals.
• Assisted in complex cash-handling procedures including ordering, receiving, verifying,
and distributing.
• Maintained highest standards of information confidentiality.
• Boosted sales by promoting and cross-selling bank products and services.
• Contributed to team goals by allocating and coordinating workflow efficiently.
• Displayed problem-solving skills in addressing issues related to transactions.
• Answered all banking and account-related inquiries.
• Pinpointed accuracy in reconciling transactions at the end of each shift.
• Adhered strictly to bank procedures and policies, ensuring adherence to regulatory
compliance.
• Skillfully managed fortune accounts, manager's cheques, demand drafts, and
facilitated cancellations as required.
• Processed domestic and international Telegraphic Transfers, maintained custody of
ATM machines, and accomplished cheque transfers.
• Prepared end-of-day transaction reports, including telegraphic transfers for banks in
UAE and other countries.
• Enhanced business banking relationships and grew retail client base using strategic
promotion of diverse products and services.
• Committed to banking culture values of change, inclusion, teamwork, and open
communication.
• Performed complex transactions while providing superior customer serviceaddressing customer complaints with established policies and procedures.
Senior Cashier, Thomas Cook Al Rostamani Exchange Company, Dubai
Jul 2006 - Mar 2007
• Upheld the AML Policies, Regulatory requirements, and other company policies
ensuring consistent adherence.
• Handled remittance and transfer payments, responsibly managing change, exchanges,
and cash advances.
• Prepared daily reports and receipts, while proficiently addressing routine inquiries and
referring complex issues to the relevant sources.
• Assisted in emergency situations and managed the sale and purchase of thirty-eight
(38) foreign currencies and Traveler's Cheques.
• Conducted remittance transactions, foreign currency exchange, and collection of
payments, guaranteeing efficient inward remittance payments.
• Applied compliance guidelines such as 'Know Your Customer' (KYC) and 'Customer Due
Diligence' (CDD) ensuring fast, error-free, and complaint-free service delivery.
• Conformed to the DSES criteria aiming to achieve an 'Excellent' rating for the branch,
contributing towards organizational recognition.
Senior Bank Teller, Robinson's Savings Bank
Jun 2002 - Mar 2006
• Led, mentored and monitored a team of 3 staffs in their daily banking transactions,
ensuring that they perform to the
highest standards set by the management.
• Reviewed and ensured correctness of the daily reconciliation report, a detailed
summary of all transactions done during the day by the tellers.
Customer Service Representative, New Accounts Teller
Jun 2002 - Sep 2004
• Cultivated professional, positive relationships with customers.
• Successfully managed and resolved customer complaints within assigned authority.
• Escalated complex issues appropriately for resolution.
• Successfully handled customer complaints
• Adept at escalating complex complaints
• Successfully handled customer complaints
E D U C AT I O N
CAMS (Certified Anti Money Laundering Specialist), Blue Ocean Academy
CAMS is a professional credential, considered a global benchmark for professionals
working in the anti-money laundering field.
• Through CAMS credential, possesses elite knowledge in AML strategies
• Demonstrated excellence in exploring complex money laundering methods
• Achieved outstanding academic accolades in CAMS (Certified Anti Money Laundering
Specialist) course
Bachelor of Science, Xavier University, Philippines
2002
• Bachelor of Science, specializing in Business Management.
• Acquired comprehensive BSc in Business Management
• Bolstered leadership and strategic skills