A financial services professional with over 35 years experience in Retail Banking sales, customer service and administration covering a wide array of positions and responsibilities. Proven abilities in -----team building and staff development ---- created , revised , implemented and enforced retail bank policy and procedures to ensure adherence to regulatory compliance standards---- managed a P&L to increase revenues and analyze and reduce costs ----- ensured consistency of service delivery within and across a bankwide network of branches --------new business gathering and growth as well as developing customer loyalty.