Alita Fernandes Email & Phone Number

Toronto, ON, CA

Toronto, Ontario, Canada

• Provided high level of financial advice on a broad range of investment and credit product suites to service existing and prospective customers.
• Act as a subject matter expert in the branch for both customers and colleagues regarding all products, services, policies, and procedures for both personal and business banking clients.
• Protect the interests of the organization and ensuring necessary due diligence by identifying and managing risks, and escalate non-standard, high-risk transactions/ activities as necessary.
• Ensuring documentation is prepared is accurate and properly reflects customer and/or business intentions and is consistent with relevant rules and regulations.
• Keeping abreast of emerging issues, trends, and evolving regulatory requirements to assess potential impacts, and minimize operational and regulatory risk by complying with Bank and industry Code of Conduct.
• Participated as a member of team, supporting a positive work environment by continuously enhancing knowledge / expertise in own area and participate in knowledge transfer within the team and business unit

Kamloops, British Columbia, Canada

• Recruited, developed, and lead a team of frontline-sales staff to deliver effective customer advice conversation, support service, advice strategies and tactics to improve the overall customer experience.
• Coached and ensured colleagues comply with regulatory and organization’s policies, procedures, processes and guidelines.
• Managed and completed compliance, risk, audit activities for the day to-day high risk transactions by reporting on average 2-3 Suspicious Transaction Reports per week to comply with AML & FINTRAC regulations.
• Adapted to new changes to the systems, functions, job activities, policies and software applications as and when released to be up to date with the organizational changes along with the regulatory mandates
• Reviewed unsecured lending applications, estate portfolios and helping personal banking associates in providing better solutions for exceptional customer service
• Promoted a fair and equitable environment that supports a diverse workforce and encourage the team to achieve organization’s goals and objectives

Kamloops, British Columbia, Canada

• Created a legendary customer experience at every interaction while looking for ways to contribute to the ongoing improvement of the overall branch customer experience
• Completed onboarding of new clients and advised them about the various products, services and offers available across the lines of business within TD
• Completed and processed applications of unsecured lending and secured vehicle, student loans for clientele
• Completed and processed consolidated debt applications for clientele involving multiple lines of credit, loans and helped them in rebuilding the credit score.
• Educated & promoted TD Bank products & services which align to customers’ needs with a specific focus on everyday banking products as well as personal unsecured lending
• Supported the team by continuously enhancing knowledge/ expertise in own area and participating in knowledge transfer within the team and business unitAdditional Contributions:

Kamloops, British Columbia, Canada

• Completed financial transactions and leveraged the internal tools to better service my customers on meeting their everyday banking needs by keeping their best interest in mind
• Enhanced and created a positive “First Impression’” by greeting and engaging customers in a range of sales, service and informational conversations
• Contributed to the achievement of branch business objectives by meeting or exceeding individual sales & referral goals
• Completed and processed financial transactions for business clientele involving tax payments, bills, pay cheque deposits
• Applied bank/branch operating policies and procedures, which included assisting with the branch opening and closing procedures on a rotational basis.Additional Contributions:
• Branch Representative at Kamloops TD Social Club committed to ensuring better work life balance through organizing events and fundraisers for employee events.

Kamloops, British Columbia, Canada

• Prepared Retainer Agreements and Authorization forms for clients related to Immigration Services
• Pro-actively assisted clients with their payment plan set up and agreement related queries
• Prepared the monthly Profit & Los Statement to help determine the profitability of the company
• Receivables Management- Collected CAD 30,000 overdue by 4 months and improved the overall outstanding dues by 50%
• Monthly Reconciliation of Bank Accounts, PayPal & Credit Card Statements and Cash in Hand

Mumbai Area, India

• Conducted credit reference checks to help the business team ascertain credibility of the clients and subsequently prepared Credit Limit Monitoring Report to track risk exposure of each client.
• Reconciled company Bank Accounts, PayPal & Credit Cards Statements, post daily accounting.
• Accounted daily cash & bank transactions, prepared outstanding statements, which aided business managers in their review of payments received and amounts outstanding
• Maintained monthly expenses, prepaid expenses, revenues and pay-out numbers for the company
• Receivables Management and follow up for the due receivables of approximately CAD 15,000 per month
• Prepared and Analyzed Actual Vs Budgeted Financial Report for FY 2014-2015 and 2015-2016

Post Baccalaureate Diploma In Finance

Masters Of Commerce, Advanced Accounting

Bachelors Of Commerce, Accounting And Finance