Steven Ruff Email & Phone Number

• Performs data collection and analysis, in compliance with regulatory requirements, to verify and reconcile domestic and foreign securities held at various depositories.• Ensures regulations are adhered to and proper action is taken to resolve issues in a timely manner.• Coordinates the quarterly examination and verification of physical securities held on premises.• Researches and provides resolutions for system errors which cause stock records to be out of balance.• Serves as a back-up in cross-functional responsibilities during absences.• Maintains orderly and readily obtainable records for research and examination purposes.• Assists/performs operational testing of system enhancements and new software applications, related to stock record, for accuracy and usability.• Creates and maintains appropriate job procedures.• Researches, identifies and provides resolution on complex business issues with minimal supervision.• Prepares written recaps and spreadsheets for special projects/observations, submitting to management for review and or action.• Initiates the evaluation of current processes and systems and recommends productivity improvements/efficiencies to mitigate risk and close gaps. • Assists in cross-training of team processes to ensure appropriate bench strength

St. Petersburg

• Serve as a liaison between producers, third-party administrators, Commissions Contracting & Licensing• Maintain a thorough understanding of the annuity industry including product knowledge, industry trends, and compliance issues• Proactively keep producers up-to-date on products and processing guidelines• Resolve moderate to complex sales/operational needs/inquiries as it pertains to product clarification, pending new business, supply needs, illustrations, marketing administration• Research and track documents, and resolves complex service issues with emphasis on a designated function• Develop relationships with key administrative and office support staff to facilitate proper business flow between various business units as well as third party administrators

St. Petersburg

• Review electronic cases produced by the Falcon Fraud Detection System.• Represent the department professionally in talking to internal and external customers in an inbound/outbound call center.• Analyze transaction patterns and respond quickly to high-risk situations.• Identify changing fraud trends, document and report to appropriate department personnel in a timely manner to assist in the reduction of fraud loss.• Verify account activity and take appropriate action to minimize potential fraud loss and customer inconvenience as well as controlling and managing calls.• Process Lost/Stolen account calls.• Maintain daily and monthly performance standards, including those pertaining to quality and quantity.• Perform all other miscellaneous duties as assigned.

• Establish, implement, and maintain the credit union’s policies and procedures especially as they relate to teller procedures and State and Federal laws and regulations. • Resolves member concerns within established policy and refers to management as necessary. • Attains and maintains knowledge of all credit union services to support teller functions and cross-selling to members. • Supervise tellers by directing work assignments, scheduling, reviewing work, evaluating performance. • Assure the smooth flow of the teller lines and adequate window coverage. • Assist tellers with complex transactions and error correction, including handling problems, and unusual situations as they arise. • Maintain teller drawer to assist in providing services to membership as necessary to provide a high level of customer service in a timely manner. • Maintains member confidentiality in all aspects of providing services to members.• Monitors vault cash by ordering, receiving, and verifying cash shipments. • Prepares outgoing shipments to ensure that branch cash is within credit union guidelines. • Balances the vault, negotiable items, and maintains records related to vault functions. • Responsible for ensuring the video camera and alarm systems are always operating correctly. • Performs ATM balancing and replenishment and assists in maintaining ATM machines. • Professional and efficient communications with all departments in order to promote teamwork and high quality member service.• Prompt, friendly, and accurate service to internal and external customers.• Represents the credit union in a courteous and professional manner.• Attend required meetings and training sessions as requested.• Perform other essential job functions as required or assigned.

Tampa/St. Petersburg, Florida Area

• Responsible for knowledge of the and following the quality service standards, established internal controls and security procedures, compliance regulations, and observing due diligence for validity of transactions.• Performs member transactions: i.e. check cashing, posting deposits or withdrawals, loan payments, transfers, and provides account information.• Responsible for balancing vault cash and cash drawers.• Possess check signing authority and override authority.• Maintains personal negotiable items and logs.• Cross sells products/services, opens new accounts, sells money orders, traveler’s checks, etc. to meet the member needs.• Supervises teller staff, interviews new hires and assists with orientation of new hires, perform annual reviews for all teller staff.• Responsible for running the branch during Branch Manager’s absence.

Tampa/St. Petersburg, Florida Area

• Responsible for knowledge of store policies/ procedures as outlined in the best practice manual.• Responsible for total store operations in the absence of the store manager and the assistant store manager.• Maintained detailed files on all store employees which consisted of hiring information, performance reviews, awards for outstanding service and disciplinary recommendations when required.• Performed interviews and conducted all new hire training and orientation for all new associates.• Managed both schedules for front-end associates and completed payroll reports for entire store.• Assisted customers with questions and concerns about products in store and resolved any customer issues regarding quality or service standards with the highest level of customer service.

Bachelor Of Business Administration (B.B.A.), Business Administration And Management, General

Associate Of Arts (A.A.), Arts

Certificate Of Management And Leadership

Certiciate Of Business Administration