Jeffery Enos Email & Phone Number

Stratford, Connecticut, United States

Stratford, Connecticut, United States

New Haven, Ct.

After being brought on board as a SPECIALIST with Higher One’s Customer Identification Program, I was promoted 2 months later to FRAUD ANALYST. With 2 team members (another analyst and our boss), we established a new fraud department and put in place strategies and practices for monitoring fraudulent activity on student checking/debit accounts.Select contributions include personally writing the policy for handling identity theft, completing Suspicious Activity Report (SAR) training, and collaborating with local police departments and the FBI on investigations.I was promoted to FRAUD INVESTIGATOR in 2017—at the time that BankMobile acquired Higher One—and was instrumental in assuring a smooth conversion of systems and records. BankMobile is one of the nation’s top leaders in mobile banking—providing a digital banking platform with checking and savings accounts and a robust mobile banking application. As a Fraud Investigator, I work with identity theft investigations, approving and denying cases as appropriate. Programs used include monitoring Ensenta (mobile check deposits via cell phone) and Verafin Case Management System/wire review for fraudulent activity. I conduct investigations on cases and document findings in detailed reports. Background research practices include monitoring transactions, scouring social media, reviewing state judicial websites/criminal records, etc.Additional training has included Techniques in Interviewing and Interrogation, advancing my skills in both face-to-face and telephone investigation strategies.

New Haven, Ct

New Haven, Ct (Science Park)

Southport, Ct

I was recruited by Patriot National Bank, a 10-branch community bank with offices in Fairfield County and Manhattan and was promoted to Bank Manager in October of 2011. My staff management responsibility ranged from 2 to 4 direct reports.Select accomplishments include:• Of 5 Upper Fairfield County branches, mine was the only one to achieve 3 out of 4 key performance metrics: We exceeded goal on noninterest checking, interest checking, and money market deposits. Following the 2008 recession, I optimally managed branch performance, resulting in the lowest decline among all branches in overall deposits (branch deposits shrunk just $670K overall as compared with drops of between $1.8M and $6M in all other branches).• I spearheaded a project that converted a 1,000-page manual into SOPs via desktop icon. I completed phase 1 (rewriting all processes and procedures) in 7 months, then managed a very successful phase 2 in just 3 months. This was rolled out across all branches by the end of 2012 (boosting productivity/efficiency/standardization while earning performance bonus).• I consistently received exemplary customer satisfaction scores—achieving between 91 and 98. I also achieved satisfactory ratings on all audits and was never once under scrutiny.• I implemented staff training designed to strengthen customer relationships and cultivate referrals. The overall mix of customers in our branch was 50/50 business and personal; I averaged 25–30 new account openings per month.• Another accomplishment was initiating a relationship with Homes for Hope in Westport, CT; I successfully helped some residents establish savings/checking accounts, secure debit cards, etc. (2011–2014).• Patriot National Bank downsized from 20 to 10 branches by 2011 and implemented further branch closures/ reduction in force in May 2014 (cutting staff by 40%).

Various Connecticut Locations

Consistent with the dynamic, rapidly changing environment within Citizens Bank, I concurrently held positions as Assistant Branch Manager II, Senior Business Banking Banker, and Bank Officer, reflective as well of continued advancement and promotions. The Milford location was an exceptionally busy branch with a high level of small business customer relationships and transactions (in excess of 1,000 business customers). Key highlights include: • In 2 years as Assistant Branch Manager II, assets grew from $86M to $98M. • Following the first quarter, I was named Top Performer every quarter, achieving 150-200% of goal. • I contributed 35-40% of the entire branch sales volume, earning a $20K incentive on business volume written (2006).• As a Senior Business Banking Banker (Mar. 2006–Sept. 2008), I was one of just 3 Senior BBBs in the state (out of 45 BBBs). In this role, I consistently exceeded performance goals (150-170%) and was repeatedly recognized for quality of relationships maintained with customers, enhanced by regular visits to customer locations.• In every customer encounter and with staff, I continuously stressed the value of customer relationships as the #1 branch goal; I was instrumental to Citizens Bank’s rise in overall bank rankings region-wide.• In terms of staff responsibility, I managed a direct staff of 8–9, including tellers, teller manager, and banker. • I was hand-selected for promotion to the Milford office, managing conversions of CharterOne Bank (Michigan and New York) into the roll-up with Citizens Bank.• I ensured all regulatory guidelines (state/federal) were adhered to; I also crafted policies and procedures emphasizing regulations and provided appropriate training to staff.

Various Connecticut Locations

In my initial role with Citizens, I was Assistant Branch Manager I in a New Haven middle market branch. I oversaw a staff of 8 with $68M on deposit. A few achievements in this role include:• I managed applications up to $250K (primarily funding inventory, business expansion, renovation, and upgrades for our customers).• I also assumed responsibility of the Branford East Branch as Assistant Branch Manager I in 2003. In this role, I supervised a staff of 3 with $54M on deposit. I was selected for this post based upon my strong background in operations and consistently achieved sales goals.

Various Connecticut Locations

My management career began with my promotion to Store Manager with Brooks Pharmacy, managing two store locations in Milford, CT. Each of these stores represented a turnaround opportunity as they were underperforming when I took over. Highlights include:• I managed a staff totaling 25 – about 10 full-time and 15 part-time employees.• Within 6 months, I was able to successfully increase sales 18% and fully deplete stockroom overstock through sale and clearance merchandising events. • To bring about the desired staffing changes, I turned over the majority of staff. I instituted comprehensive training of all staff and established a solid foundation for operations.• Additional accomplishments included providing training to 22 stores throughout Connecticut as Brooks’ successfully converted from analog to point-of-sale registers. I oversaw all installations and served as the on-call support expert for all Shoreline Connecticut stores.Earlier roles with Brooks:• Assistant Manager (Essex, CT: 1999–2000) | Point of Sale Trainer (multiple CT locations: 1998)• Assistant Manager (multiple CT locations: 1991–1997) | Management Trainee (New London, CT: 1990)

High School, Mechanical Drawing / Drafting, Graduate; Certificate

Activities and Societies: Student Council, Social Committee, Prom Committee

Management & Customer Service

Extensive Continuing Professional Development includes programs with Fairmont, BVS, and Citizens Bank (for 4+ years, completed 3–4 online.