Alvaro Fernandez Email & Phone Number

Ontario, Canada

Kitchener, Ontario, Canada

Assistant Branch Manager: July 2018 to dateMastering operational effectiveness to manage risk while taking care of clients’ needs and capitalize advice opportunities. Coaching and help develop career for team. Accredited Branch Compliance Officer (BCO).Financial Advisor (Sr. Relationship Manager): Oct 2016 - Jun 2018Build trust with clients to understand their personal goals and evolving financial needs. Work with clients to draft a strategy based on their best interests and details… Show more Assistant Branch Manager: July 2018 to dateMastering operational effectiveness to manage risk while taking care of clients’ needs and capitalize advice opportunities. Coaching and help develop career for team. Accredited Branch Compliance Officer (BCO).Financial Advisor (Sr. Relationship Manager): Oct 2016 - Jun 2018Build trust with clients to understand their personal goals and evolving financial needs. Work with clients to draft a strategy based on their best interests and details the actions and timelines needed to achieve financial goals based on objective advice. Having successfully completed Canadian Securities Course (CSC) I am licensed to sell Mutual Funds, completed Certificate in Financial Service Advice and Financial Planning 1. Relationship Manager (Banking Advisor): Sep 2012 - Sep 2016→ Provide a full range of financial services that include: Investment advice (mutual funds, portfolio solutions and GICs); Mortgages; Loans and credit lines; Chequing and savings accounts; and credit cards.→ Chosen for Kitchener-Waterloo Activation / Advice Team. Member of a group of highly trained effective individuals that are ready to represent RBC at events in our community market and in our branches to drive our business and enhance the client experience.→ While Banking Advisor (Developing) was able to exceed the required new volume for Banking Advisor in spite of being in the role for just 10 months. Second year exceeded previous new volume by 64% and currently projecting to exceed last year’s new volume by 26%. Show less

Toronto, Canada Area

Temporary assignment. Managed client relationships: monitored contractual obligations, secured additional business opportunities with clients, law firms, investment bankers and other industry professionals.→ First point of contact for all new transactions and escalation for client issues.→ Ensure all clients are up to date with all compliance requirements and know your customer checks.→ Present new transactions to various internal committees for approval prior to on-boarding.

Guatemala, Guatemala

ORGANIZATIONAL IMPACT:Oversaw and directed product development and enhancements, holding full accountability for installment loans, revolving line products and trade services for small and medium businesses, and mortgages and installment loans for individuals, managing a team of eleven (11) in product development.→ Generated $11.7 million in revenue by identifiying business development opportunities and spearheaded the development and launch of strategic products; feasibility… Show more ORGANIZATIONAL IMPACT:Oversaw and directed product development and enhancements, holding full accountability for installment loans, revolving line products and trade services for small and medium businesses, and mortgages and installment loans for individuals, managing a team of eleven (11) in product development.→ Generated $11.7 million in revenue by identifiying business development opportunities and spearheaded the development and launch of strategic products; feasibility analysis of product enhancements and introductions, including product positioning, marketing strategies, growth and competitiveness culminating in a 12% growth.→ Demonstrated success leading cross-functional team from technology, operations, risk management, legal, compliance, channel distribution and marketing, concluding projects in timely delivery.→ Spearheaded complete product development from project management and organization, process engineering, requirements, testing, launching, training, creating marketing plans and welcome kits. Show less

Guatemala, Guatemala

ORGANIZATIONAL IMPACT:Conducted the investment decisions of portfolio securities composition, ensuring maximum return on investment and liquidity, managing two investment analysts. Active member of the Portfolio Investment Committee.→ Managed a $225 million portfolio of international capital markets, including long-term investment products, hedge funds, structured notes and other instruments, creating $37 million revenue by generating interest and capital gains.→ Surpassed goal… Show more ORGANIZATIONAL IMPACT:Conducted the investment decisions of portfolio securities composition, ensuring maximum return on investment and liquidity, managing two investment analysts. Active member of the Portfolio Investment Committee.→ Managed a $225 million portfolio of international capital markets, including long-term investment products, hedge funds, structured notes and other instruments, creating $37 million revenue by generating interest and capital gains.→ Surpassed goal of 5.09% yield and 13.4% growth of invested capital during a period of global financial crisis.→ Spearheaded rate risk management efforts through the effective administration of a $285 million derivatives portfolio for the financial group, by balancing the mix of floating and fixed rates of liabilities to 50%-50% as targeted. Show less

Guatemala, Guatemala

ORGANIZATIONAL IMPACT:Ran daily back-office business operations, including managing administrative support, security, accounting, deposits, tellers, loan management, and collections. Oversaw eight-direct and 200+-indirect reports, building a high-performing team.→ Streamlined operations by partnering with cross-functional staff to enhance operations through the effective use of process engineering reducing processing times by 23%.→ Identified areas for improvement, publishes… Show more ORGANIZATIONAL IMPACT:Ran daily back-office business operations, including managing administrative support, security, accounting, deposits, tellers, loan management, and collections. Oversaw eight-direct and 200+-indirect reports, building a high-performing team.→ Streamlined operations by partnering with cross-functional staff to enhance operations through the effective use of process engineering reducing processing times by 23%.→ Identified areas for improvement, publishes results, and implemented changes to effectively handle high transaction volumes, completing initiatives within budget and on time.→ Expertly set-up and opened new branches and streamlined operations by partnering with cross-functional teams to enhance operations through the effective use of technology. Show less

Guatemala, Guatemala

ORGANIZATIONAL IMPACT:Defined regional sales goals across two countries and six stores and managed product import, inventory, and client delivery activities.→ Held full accountability for overseeing regional sales, administrative, and logistic operations → Drove sustainable growth by drafting and executing aggressive business and marketing plans achieving a 7% market share in the first year of operations.

Guatemala, Guatemala

ORGANIZATIONAL IMPACT:Derivatives and Structuring Head, Citibank (2004-2006) Managed all derivatives and structuring functions and served as interim Treasury Head.→ Promoted the introduction of structured notes to investors with more complex investment needs that generated an additional revenue stream of 9%. Unit Head, Treasury Marketing (2001 – 2004)Spearheaded the creation of marketing strategies to optimize treasury product exposure by teaming with account… Show more ORGANIZATIONAL IMPACT:Derivatives and Structuring Head, Citibank (2004-2006) Managed all derivatives and structuring functions and served as interim Treasury Head.→ Promoted the introduction of structured notes to investors with more complex investment needs that generated an additional revenue stream of 9%. Unit Head, Treasury Marketing (2001 – 2004)Spearheaded the creation of marketing strategies to optimize treasury product exposure by teaming with account executives and product managers by transforming the unit into an advisory role achieving a $1.6 million growth in the first year.→ Developed and marketed complex, high-yield products that drove additional revenue growth by $2 million, netting $6 million on the first two years, a %150 growth rate.→ Promoted the introduction of structured notes to investors with more complex investment needs that generated an additional revenue stream of 9%.Associate Product Manager, Derivatives and Structuring (2000 – 2001)→ Championed the development and build of derivative products, focusing on risk price management and strategic differentiation to exceed client needs.→ Realized product growth from zero to 10% of total treasury marketing unit revenues in less than one year and 50% growth in the second year. Show less

Guatemala, Guatemala

ORGANIZATIONAL IMPACT:→Created and implemented curriculum for the economics sciences school for the capital markets and business valuation course and graduate school for the Beat the Market Update Program’s Swaps course.

San Jose, Costa Rica

ORGANIZATIONAL IMPACT:→ Executed customer service program findings to support marketing efforts by identifying client product, price, financing, information, and post-sale needs.→Fostered a successful operating, customer-centric environment by developing an eight-member consultant team.→Performed expert analysis of operations, presented findings to the senior management team, proposed recommendations, educated employees, and implemented a customer service program.

Santo Domingo, Dominican Republic; Guatemala, Guatemala

ORGANIZATIONAL IMPACT:LATIN AMERICAN BYTESANTO DOMINGO, DOMINICAN REPUBLICSeptember 1997 to July 1998→ Collaborated with a team of four to establish and build Latin American Byte in the Dominican Republic.→ Charged with defining specifications, overseeing development, and managing the installation of banking system projects.→ Provided sales presentation support and served as the key liaison between senior management and technical staff.DATA CODEGUATEMALA… Show more ORGANIZATIONAL IMPACT:LATIN AMERICAN BYTESANTO DOMINGO, DOMINICAN REPUBLICSeptember 1997 to July 1998→ Collaborated with a team of four to establish and build Latin American Byte in the Dominican Republic.→ Charged with defining specifications, overseeing development, and managing the installation of banking system projects.→ Provided sales presentation support and served as the key liaison between senior management and technical staff.DATA CODEGUATEMALA, GUATEMALADecember 1996 to August 1997→ Skillfully managed the development of information system solutions, focusing on client over product needs, facilitating client presentations and distributing support material. Show less

Guatemala, Guatemala

→ Directed MIS activities. Studied, supervised and executed a series of projects, including a cost reduction program through technology.

Guatemala, Guatemala

→ Directed MIS activities. Active participation in new products committee, especially Cuenta Unica, whose net revenues quadrupled those forecasted. Researched and evaluated projects. Migrated to new system that resulted in lower costs. → Served as link between the banks’ top management and programmers and provided technical assistance in the development and improvement of information systems. Implemented and customized banking systems in Panama and Peru. Besides my regular obligations, I… Show more → Directed MIS activities. Active participation in new products committee, especially Cuenta Unica, whose net revenues quadrupled those forecasted. Researched and evaluated projects. Migrated to new system that resulted in lower costs. → Served as link between the banks’ top management and programmers and provided technical assistance in the development and improvement of information systems. Implemented and customized banking systems in Panama and Peru. Besides my regular obligations, I assisted on induction to new employees, and was a facilitator of the Total Quality Management process. Show less

Mba, Finance And Marketing

Activities and Societies: →Entrepreneurship Club →Participant: University of Southern California, MBA International Exchange Program.

Mba, Entrepreneurship

Activities and Societies: → Entrepreneur Venture Management Association → MBA International Exchange Program

Derivatives Fundamentals And Options License (Dfol) ; Bco; Fp I; Cfsa; Csc, Investments And Securities

Business Law

Engineer, Electronics

Bs, Electronics

Activities and Societies: President of AIESEC (International Student Association of Economic and Commercial Sciences, acronym in French).

Education record

Education record