Charles Kizer Email & Phone Number

Charlotte, North Carolina Area

The New Account Transactional Fraud Prevention Team uses sophisticated risk systems, models, and vendor products to detect and review suspect accounts, perform in-depth research and, when appropriate, restrict monetary activity and close accounts.• Responsible for completing a Risk Review of deposits made by customers through various channels. Review includes considering customer relationship, verifying issuance of deposited items with makers, analysis of deposited items, and using available resources to make a risk decision.• Review, verify and/or identify customer transactions to detect/prevent financial crimes activities, policy violations, and suspicious situations in order to mitigate and/or recover losses.• Monitor moderate to complex account activity which requires research that may involve multiple transaction channels and products.• Perform general account handling functions such as close account determination, holds, restraints, etc.• Document research findings and actions on cases for possible referrals for Suspicious Activity, Identity Theft Operations (ITO) and Suspected Financial Abuse.• Prepare required documentation including Suspicious Activity Reports.

Charlotte, North Carolina Area

As Personal Banker and Assistant Store Manager, I am largely accountable for maintaining an in-depth knowledge of all Small Business and Consumer banking areas, including commercial and personal credit, mortgage referrals, partner referrals, coaching business advocates, and supervising teller responsibilities. Strategies include:• Cross-selling of business packages of various types while simultaneously achieving profitability objectives that meet the customer's needs and financial goals. • Processing home mortgage applications, home equity loans, new consumer loans, as well as commercial loans, ensuring all required documentation is complete and meets federal regulations and bank standards. • Overseeing transactions to ensure all precautions are undertaken to avoid fraud and immediately report any suspected fraudulent activities and discrepancies to the respective authorities and agencies. • Developing strategies and core trainings designed to effectively train new and existing tellers on how to cross-sell/up-sell services & offerings while delivering exceptional customer service. • Proactively growing and deepening relationships with existing small business customers in addition to actively prospecting for new Wells Fargo small business and retail customers. • Handling all customer inquiries and concerns by exercising independent judgment and offering financial solutions designed to meet our customers’ needs and deliver full service satisfaction. • Coordinating and collaborating on a variety of events (employee tabling events & benefit fairs) with the WFAW Program Manager, including affiliated companies of Wells Fargo.

• Exceeded sales objectives by developing a consultative sales strategy, performing client needs assessment, and demonstrating in-depth knowledge of existing vehicle products. • Maintained familiarity with sales volume, product variety, and selling price points by keeping a pulse on current supply and demand, industry trends, economic indicators, and competitors. • Motivated other staff members to exceed goals and drive consistent revenue growth while maintaining a high service standard. • Managed, negotiated, and closed deals through aggressive prospecting and selling for a fleet inventory in excess of 1000 new vehicles. Notable achievements:➢ Top 10% sales volume Q2 2012

• Negotiated payment options and up sell terms with as many customers as possible to resolve delinquency problems. • Assessed, evaluated and offered recommendations relative to capacity plans and reporting capabilities in order to implement measures to attain portfolio goals.• Facilitated outbound calls to customers on daily basis while managing all transactional outcomes of the call in a professional and accurate manner.

• Met and exceeded current sales revenue goals by cross-selling Alltel Wireless products and services in combination with carefully ascertaining the needs and goals of the customer. • Worked collaboratively with all lines of business to improve the customer experience; inspire loyalty and trust. • Developed, expanded and managed new and existing customer relationships, utilizing a consultative approach coupled with Customer Relationship Management (CRM) strategies.