Ria Normina V. Habito

RIA NORMINA VINDOLLO HABITO 17 Felomina St. San Isidro Village Balubaran, Valenzuela City Email address:-Mobile Number:- Personal Information   Age: 38 Sex: Female Date of Birth: March 1, 1980 Civil Status: Married Weight: 120lbs Citizenship: Filipino Educational Background  Tertiary Course: Bachelor of Science in Business Administration Major in Economics -) Pamantasan ng Lungsod ng Maynila City Scholar , Non- Paying Student of PLM  Secondary: St. Mary’s College of Meycauayan -)  Elementary: St. Mary’s College of Meycauayan -) Trainings and Seminars Attended            Operations Risk Management Train the Trainors Program Better Banking Experience Customer Service Handling / Handling Difficult Client Branch Manager Certification Program Sales and Service Officer Certification Program Sales and Service Assistant Certification Program Finacle System Seminar Computer-based Training and On-line Internet Banking Seminar Product Knowledge Seminar Signature Verification and Counterfeit Detection Seminar      Business Management Workshop Anti-money Laundering Seminar Brand-aligned and Business Class Seminar Character and Personal Development Program Global Financial System Seminar Work Experiences Security Bank Corporation – Branch Channel Manager (G.Araneta and E.Rodriguez) March 2012 to present  Responsible for the over-all day-to-day operations, administrative and control in the branch.  Responsible for non-customer facing transactions / operations.  Ensures prompt and efficient service delivery in compliance with service standards of the Bank.  Responsible for adherence to premises standards, complaints management and compliance to regulations & policies.  Supports marketing activities to generate referrals and cross-sell to existing relationships by offering various bank product and services.  Oversees over-all operation of the branch which includes over the counter and ATM transactions and ensures branch personnel's compliance to service standards; Approves transactions and customer requests in accordance with existing policies and procedures Processes account opening, rollovers/maturities and termination of TD, ISA, UITF and other SBC products for accounts referred by Sales Associates/Officers or Business/Relationship Managers; Ensures proper balancing and completeness of transaction documents at the end of each day, and necessary documents are sent to back office for post checking and filing; Acts as primary liaison with back office on documents deficiencies, etc.; Reports violations / deviations from prescribed policies and procedures to proper authorities; Prepares replies to audit reports and ensures that findings/exceptions are rectified within reasonable time; Attends to internal and external customer inquiries and complaints, and ensures that they are acted and/or resolved immediately in accordance with the service standards of the Bank; Acts as point person in reporting security matters and emergency situations to Area Head;                              Performs the following if the branch has no Branch Service Officer in the approved plantilla or in cases where the reliever from the officer's pool cannot be provided to the branch when the Branch Service Officer is on leave: Handles the following pertaining to Bills Purchase (BP) and second-endorsed check availments: o Monitors, reviews, and ensures that BP / second-endorsed check availments are within line and non-line availments are properly approved & coordinated with the proper servicing unit; o Verifies eligibility of checks for BP or second-endorsed check acceptance; o Confirms checks for BP with drawee banks; o Verifies client’s signature on BP and second-endorsed check agreement form and records availments; o Prepares request for BP and second-endorsed check approval (for case to case accommodations or availments exceeding the client’s approved line); o Processes or authorizes BP set-up for approved case to case accommodations; o Reviews report of BP set-up against approved accommodations; Reviews and approves opening of business or non-individual accounts only, and ensures completeness and accuracy of required account opening documents; Reviews, evaluates, and recommends closure of mishandled accounts to Area Head for proper disposition; Acts as main custodian of PIN mailers and reconciles the same against ATM Card summary; Performs the following if the branch has no Branch Service Officer in the approved plantilla or in cases where the Branch Service Officer is on leave; Ensures that items booked under Sundry debits/credits are immediately reversed; Responsible for the proper safekeeping of duplicate keys; Responsible for the daily check-up of the CCTV system of the branch and reporting of any defects noted to GSD and Security Department; Reports fraud/potential fraud committed by branch personnel; Adheres to prescribed policies and procedures, internal control, regulatory provisions of government and private agencies; Ensures a Clean Book of records through accurate and complete recording of transactions into the GL; Manages expenses and overtime hours within budget; Ensures the timely submission of relevant and accurate MIS report; Responsible for branch adherence to prescribed policies and procedures, internal controls, regulatory provisions of government and private agencies; Ensures implementation/execution of service standards in the Branch; Acts as custodian of branch FFE and conducts annual physical inventory; Ensures clear understanding of the duties and responsibilities by branch officers and staff, evaluates and rates the performance of officers and staff under his or her supervision; Plans & supervises manning requirements & movements within the Branch, including training requirements of personnel under special situation; Monitors punctuality and attendance of branch personnel; Conducts a regular monthly branch meeting and ensures that regular sectional meeting are conducted, and all branch officer and staff undergo training necessary for the efficient discharge of functions;     Ensures proper dissemination of important information, policies and procedures to all branch personnel. Assists Business Manager in developing and execution of in-branch sales activities to generate qualified prospects and customers; Responsible for selling alternative channels in the branch; Performs cross-selling of bank products and services to branch accounts. EastWest Banking Corporation May 2010 – March 2012 – Branch Service Head / Operations Manager – Malabon Branch  Mainly responsible in heading daily operation of the branch – from opening of the branch, opening of the vault, preparing start of day cash, supervising new accounts and over the counter tellers, assuring smooth flow of operation, reconciling discrepancies in bank transactions if any, balancing of end of day cash, safekeeping of cash in vault, closing of bank transactions and closing of the branch.  Key and cash custodian – cash in vault, operating cash and cash intended for ATM operation. Monitors designated Cash in Vault limit and responsible for turn-over of excess Cash in Vault.  Monitors the General Ledger and Subsidiary Ledger – ensuring zero discrepancies and reconciling and balancing discrepancies, if any.  Preparation of reports –daily, weekly, monthly, quarterly and year-end reports. Reports includes sensitive GL accounts, Bills Purchased, Total funds, AMLA reporting, Second-endorsed checks, mishandled accounts, newly opened accounts, card inventories, safe-keepings, shortages / overages, ATM balancing among others.  Approves/co-approves, authorizes account opening and other document transactions such as Manager’s Check, Demand Drafts, Telegraphic Transfers, Bills Purchased, Foreign Exchange Conversions, sale of foreign exchange currencies, deposits, withdrawals, encashments, payments, fund transfers, Bank Certifications, Stop Payment Orders, closing of accounts, account disposition, on-line facilities and other monetary transactions offered by the bank.  Directly supervises new accounts and over the counter tellers and co supervises the sales officer in attaining the target marketing figures set by the management. Do cross-selling to in-house clients and assisting them with their banking needs.  Acts as the control officer of the branch, making sure that operations and marketing needs are addressed based on banking rules and regulations set by the bank and by BSP. SM Group of Co. – SM hypermarket November 2009 to May 2010 – Branch Treasury Manager, Quezon Avenue Eton Branch  Responsible for heading over-all treasury operation of SM Hypermarket branch including but not limited to – receiving of daily sales, reconciliation of daily sales, balancing of daily sales, ensuring zero discrepancies, monitoring of different funds – loose change fund, petty cash fund, foreign exchange fund, western union fund and unclaimed salaries and benefit fund.  Monitors safekeeping of funds both cash and checks.     Responsible for the daily correctness of deposit of sales, both peso and foreign currency cash. Responsible for heading foreign exchange and western union services. Handling of Treasury Assistant both back office support and front liner services. Responsible for daily, monthly and year-end reports. UnionBank of the Philippines April 2008 to November 2009 – Operations Branch Manager, West Avenue Baler Branch  Responsible for in-house marketing and client relation cross-selling / maintains branch profitability by cost effective technique and maintenance of CASA and high-cost account.  Responsible for heading the day to day supervision of branch operations and Service delivery, including proper observance of the Bank’s Code of Conduct and other policies.  Ensure zero operational losses due to frauds, irregularities, negligence and errors.  Handles all customer complaints/ feedback and makes sure they are immediately addressed to the satisfaction of clients.  Increased productivity in terms of cross-selling of products and services and by cost reduction.  Directly supervises the Sales and Service Officer and Sales and Service Assistant of the branch.  Monitors the service quality level of the branch in relation to client’s expectation and internal service standards.  Approves/co-approves, authorizes account opening and other document transactions such as Manager’s Check, Demand Drafts, Telegraphic Transfers, Bills Purchased, Foreign Exchange Conversions, sale of foreign exchange currencies, deposits, withdrawals, encashments, payments, fund transfers, Bank Certifications, Stop Payment Orders, closing of accounts, account disposition, on-line facilities and other monetary transactions offered by the bank.  Act as branch co-custodian of cash-in-vault and ATM. UnionBank of the Philippines April 2005 to March 2008 – Sales and Service Officer Baesa Branch, Cubao Rustans Branch and Edsa Kalookan Branch  Responsible for in-house marketing, ensure retention of existing accounts, solicit additional business from existing and walk-in clients.  Upon approval of Branch Manager, Responsible for the administration of the Branch Delivery System including opening of Peso and Foreign Currency, Current and Savings Account, roll-over of placements, Manager’s Check, Demand Drafts, Telegraphic Transfers, Bills Purchased, Bank Certification, Stop Payment Orders, closing of accounts, Withdrawals, Receipts, Payments and other monetary transactions.  Acts as branch cash custodian, monitors cash-in-vault balances and responsible for ATM operations.  Co handles branch sales and service assistants. UnionBank of the Philippines August 2001 to March 2005 – Sales and Service Assistant Munoz Branch, QA Capitol Branch and Cubao Rustans Branch  Responsible for over the counter servicing such as deposits, withdrawals, encashments, checkbook re-orders, processing of payments, receipts and other monetary transactions.  Cross-selling of banks products and services. Hong Kong and Shanghai Bank Co. under Mirof Rsources Inc. May 2001 to August 2001 Credit and Collection Assistant  Responsible in handling customer complaints and inquiries.  Follow-up settling of customers payments and obligations. Character References  Clarissa Dinglasan BM Metrobank, Greenhills Branch -  Antionette Jao BM Security Bank G. Araneta Branch - I hereby certify the veracity of the aforementioned information Ria Normina V. Habito