Joyce Ramos

Detail-oriented and reliable Bookkeeper Virtual Assistant with 40 hours of training in Australian Bookkeeping and practical knowledge in Xero Online and advanced Microsoft Excel. Career-shifter with 15 years of banking experience as Teller and New Accounts Clerk and 1 year of BPO experience as a KYC Analyst and a BSA Consultant in transaction monitoring. Skilled in financial data accuracy, confidentiality and reconciliation to provide efficient remote bookkeeping support to Australian business owners.

KYC ANALYST AND BSA CONSULTANT at Eclerx Philippines Incorporated (2023-12 – 2025-01)

• Managed and reviewed 120 cases monthly, verifying financial and customer information for completeness, accuracy, and consistency while maintaining organized,audit-ready records.
• Maintained confidentiality and accuracy when handling sensitive financial and customer information to support accurate recordkeeping and risk assessment.
• Managed and reviewed approximately 120 transaction monitoring alerts monthly, analyzing transaction data,identifying discrepancies, unusual activity, and documenting findings.
• Managed multiple cases and competing priorities while consistently meeting productivity, quality, and accuracy requirements.

SALES AND SERVICE ASSOCIATE at Philippine National Bank (2008-03 – 2023-05)

• Managed and reviewed approximately 150 new account applications monthly for completeness, accuracy, and consistency, ensuring compliance with internal controls, procedural requirements, and audit-readiness standards.
• Maintained daily reconciliations of ATM transactions, accountable forms, and branch reports, identifying and resolving transaction discrepancies and exceptions.
• Managed financial transactions, account servicing, remittances, deposits, card services, bills payments, and digital banking requests while maintaining accuracy, confidentiality, and compliance with operational controls.

BACHELOR OF SCIENCE IN BUSINESS ADMINISTRATION in BANKING AND FINANCE – PARTIDO STATE UNIVERSITY (2003)