Susan Castro Email and Phone Number

Responsible for multiple aspects of Treasury Management Services Department. Integral to building new department including treasury product management, policy and procedure development, staff and customer training, customer sales, treasury product platform conversion, new treasury product implementation at both bank and customer level. Managed setup and training for conversion to Extended Account Analysis (XAA) system. Built and maintains XAA services, pricing, accounts, modeling, override price management and provides ongoing training and support to branch and other internal staff.

• Implementation of treasury products including lockbox, positive pay, controlled disbursement, account reconciliation (ARP), wire and ACH origination, ZBA, loan and investment sweeps, CD‐ROM, and remote deposit capture (RDC) • Audit and review completed forms, verify customer set up by Treasury Operations or vendor • Verify and set‐up special pricing in account analysis system (AAS) • Provide technical support and training to customers and internal users of treasury products • General customer service support for treasury and general banking issues for treasury customers and internal departments • Remote Deposit Capture (RDC) support includes installation of scanner with customer over phone or via remote access and other technical issue troubleshooting • Liaison with lockbox vendor for implementation, customer service, technical, and operational issues • Responsible for interaction with RDC and Business Online Banking vendors for system, technical, and customer issues • Responsible for creation of forms, policy review, and customer communication • Completion of special projects as required (special pricing, wire volume, lost transaction fees, lockbox vendor/account analysis billing issues, post office/courier/lockbox research, etc) • Involved in treasury system conversions for business online banking, lockbox, and sale of bank to BB&T. This includes customer training, system setup, vendor meetings, testing, internal staff training, etc.

• Responsible for providing customer service to Corporate and Treasury Management customers for bank account activity and Treasury Management services (CashLink, Lockbox, Controlled Disbursement, etc.) • Provide assistance to customer on basic use of online treasury system for balance reporting, book transfers, wire transfers, ACH and administrative functions • Open new accounts, authorized signer changes, address changes, and general account maintenance • Support customers account analysis system (AAS) issues, composite relationships, pricing, transaction entry, and adjustments • Identify and refer potential sales opportunities to Treasury Management Sales Consultants • Provide analysis for customers and Treasury Management Sales Consultants regarding best use of products, explanation of fees, etc. • Attend sales and service calls alone and with Treasury Management Sales Consultants • Develop procedures for departmental personnel related to product customer service related duties

• Worked with current and new customers to advise on/and sell Treasury Management products • Trained branch personnel on Treasury Management products and services and means to identify sales opportunities for referral

• Managed a twelve person team responsible for bank and G/L account reconciliations of over 200 accounts• Reviewed and verified cash activity on balance sheet during month-end closing process• Supported change in main corporate banking relationship through heavy interaction with banks and corporate departments to insure system and accounting requirements were met• Worked closely with internal departments as well as external corporate and field bank relationship managers for service initiation, problem resolution, and other banking issues• Transitioned Cash Accounting and Licensee Accounting departments from Minnesota Corporate HQ to Florida HQ to include hiring and training staff of twenty-two

• Responsible for International Licensee Accounting and staff supervision• Redesigned manual trade billing and commission tracking processes• Managed trade Account Receivable functions for Licensee location rentals• Verified Licensee Agreement financial reporting compliance and managed collection of royalty and fees• Developed processes to create mainframe interface program to automate high volume licensee activity• Automated manual location processing through use of Access database• Liaison with other corporate departments to support licensee business needs

• Responsible for Credit Card Accounts Receivable reconciliation for all corporate international offices• Identified and researched credit card transactions processed manually and electronically including resolution of reconciling items with internal departments, merchant processor, and credit card companies.• Communicated with corporate and international office staff

• Responsible for Treasury Management functions of large public company• Managed daily corporate cash position to include identification of account funding and investment requirements and decisions• Introduced and participated in conversion to automated bank reconciliation system• Developed improvements to the cash process, cash forecasting, lockbox, and cash application• Responsible for month-end cash balance sheet and account review• Supported offices, regional centers, and corporate HQ in all banking issues, projects, and problem resolution• Supervised Treasury staff and functions• Initiated and maintained all bank relationships• Negotiated bank pricing and service levels• Managed banking relationship and account restructuring from RFP to account relationship structure through conversion

• Responsible for monitoring bank account analysis charges, identifying and resolving differences • Identified and maintained required compensating balances to offset bank fees • Negotiated check cashing arrangements with banks nationally • Reconciled bank accounts • Initiated and recorded ACH and wire transfer transactions • Analyzed A/R payment timing and issued check clearing patterns to project cash flow