Monica Vargas Email and Phone Number

• Acts as a single point of contact to provide a diverse array of personal and business banking services for high-net-worth, and ultra-high-net-worth clients.• Develops and deepens relationships with both prospects and clients to develop a substantial book of business, including current commercial clients, referral leads, and other sources.• Focuses on the strategic development to meet the Flagstar’s profitability including business plan growth, income objectives, budgeting, forecasting, P&L and expenses to maintain profitability.• Evaluates the needs of each individual client and businesses and offers appropriate financial products and services.• Provides the highest level of white-glove customer service including the timely processing of operations, such as the opening of new accounts and funding of loans.• Helps team members achieve their fullest potential by providing leadership, mentorship, training and support. • Fosters an inclusive culture of open communication where ideas are valued and contributions are respected.• Performs pro-active community outreach and works with local organizations to contribute to various neighborhood/community functions.• Acts as a brand ambassador for the Flagstar’s team by fostering strong, lasting relationships amongst community leaders, business partners, and regulatory bodies.• Responsible for the group’s adherence to all bank policies and procedures; maintains compliance with established internal policies, and all applicable laws and regulations.Signature Bank was acquired by New York Community Bank (NYCB) in March 2023. NYCB and Flagstar Bank joined together (December 2022), to become one company. Flagstar’s goal is to deliver a new energy in banking to our customers, opening new doors for financial and personal success. Customers will have access to a broad spectrum of technology, products and services—all with a shared customer-first approach.

• Acted as a single point of contact to provide a diverse array of personal and business banking services for high-net-worth, and ultra-high-net-worth clients.• Provided banking clients with a single point of contact to meet diverse array of their personal and commercial banking needs.• Helped to onboard and then assist clients with everything from executing with wire transfers, setting up savings and money market accounts, securing business and personal loans, obtaining checks, and more.• Developed and deepened relationships with both prospects and clients to develop and retain a substantial book of business.• Created an inclusive culture of open communication where ideas are valued and contributions are respected.

• Managed a wide range of clients to oversee over $750 million in assets under management (AUM) • Partnered with other groups to our ensure clients received a superior customer-first experience including the delivery of exclusive services to high-net-worth clients, while working in the estate and financial planning division.• Leveraged various promotional offers to assist clients and deepen the relationship by providing off-US assets and grow the relationship.• Organized high end quarterly events to educate our clients regarding changes in the market and provide up-to-date financial and estate planning information.• Worked collaboratively with a team of financial experts to assist our clients in managing their wealth by tailoring financial and estate plans to their individual needs and objectives.• Led partner collaboration meetings to share valuable information with colleagues and provide cross-referrals to assist our clients with their needs while attaining our team’s financial goals. • Oversaw and evaluated team deliverables and strategically redirected and revised tactics to optimize results.• Worked closely with team of financial advisors, home lending officers, branch managers and business bankers to stay up-to-date with industry changes and provide direction and advise our clients accordingly.

• Worked with teams at various branches to identify our clients’ needs, analyze customer information, define investment goals, build financial plans and make recommendations for clients. • Provided strategic advice and individualized investment strategies to ensure each client was poised to achieve their financial goals and objectives.• Focused on meeting asset and revenue targets for the organization.• Significantly increased the organization’s book of business by acquiring and deepening client relationships.• Established trusted partnerships with business bankers, loan officers and personal bankers to ensure clients were provided with a wide range of experts, while also helping to contribute to the growth of each other’s businesses. • Managed a $100 million book of business as a fully-licensed Series 7 and Series 65 financial planner for various estate clients.

• Oversaw and managed more than $65 million in assets and assessed customer accounts.• Actively listened to clients to understand their financial plans prior to the sale of appropriate products. Simplified complex terminology and effectively communicated with clients to deliver outstanding service.• Developed strategic financial plans to help clients meet or achieve their goals.• Met regularly with each client to identify changes in their goals and help to direct new investments.• Helped to manage risk and provide appropriate solutions for their insurance needs. • Established and cultivated strong working relationships with existing customers which generated a significant number of referrals. • Successfully managed a portfolio under management that averaged 15% to 25% returns in bull markets, and sustained losses that averaged 10% to 15% in bear markets, with quick recuperation.• Contributed to the training, development and mentorship for various branch employees. • Coordinated branch partnerships and supervised nine licensed employees and their trades. • Oversaw six branch offices and ensured they maintained compliant standards using internal and external procedures.