Stephany Roae Gamayot

A dynamic Branch Service Officer with extensive experience at City Savings Bank, excelling in operational efficiency and customer service, proven track record in loan processing and cash handling accuracy, while fostering strong client relationships. Adept at multitasking and maintaining compliance, ensuring seamless branch operations and enhanced customer satisfaction. Operational-focused Branch Service Officer bringing in-depth understanding of banking procedures, regulations and sales techniques.

Skilled team leader and trainer competent in mentoring staff and improving performance with proactive approaches. Knowledgeable about preventing fraud and maximizing customer satisfaction.

Branch Service Officer at City Savings Bank (2023-06 – 2026-03)

Oversaw daily operational activities, loan and deposit transactions, cash handling, and regulatory compliance at branch level.

• Oversee the daily operational activities of the bank.
• Accountable and Responsible to evaluate, recommend, approve loan and deposit transactions including operational expenses and disbursements in accordance with authority limits.
• Conduct routine tellers transactions, including cash in vault, ATM, deposits, withdrawals, account transfers and payment. Ensure all cash handling procedures comply with bank policies and regulations.
• Supervised loan application processing, collaborating closely with underwriters to expedite approvals and meet customer expectations regarding turnaround times.
• Accountable and Responsible for the proper KYC procedures in all clients in accordance with the bank's existing policy and regulatory standards.
• Responsible for ensuring and managing adequate funding requirements for the branch including ATM services.
• Responsible for implementing regulatory company policies and procedures to ensure that internal controls are in place.
• Responsible for monitoring and reconciling cash accounts and due from other banks 'DFOB'.
• Responsible for ensuring enforcement of joint custodianship and dual control over cash in vault, safes and vaults, accountable or numbered forms, items held for safekeeping, collateral documents, dormant accounts, ROPA documents and other related items, including daily periodic balancing and review.

Branch Service Associate Teller at City Savings Bank (2021-07 – 2023-05)

Handled daily teller transactions, cash deposits and withdrawals, check verification, and customer service related to deposit products.

• Receives Cash / Check deposit from clients and disburse withdrawals and encashment.
• Check the authenticity of the cash received and verify the technicalities on check deposits.
• Validate checks, deposit / withdrawal slips and other bank documents including signatures verification of clients in the form and in the system.
• Ensures that all transactions processed during the day are BALANCED and tally on the cash on hand versus the system.
• Handles customer inquiries, either personal or through phone related deposit products opening / closing of accounts and deposit / withdrawal procedures and requirements.
• Ensures daily reconciliation of all sensitive accounts at the branch level.
• Maintain an updated knowledge of compliance requirements including Anti-Money Laundering (AML) and Know Your Customer(KYC) policies.
• Prepare and Maintain accurate records for auditing and reporting purposes.
• Attends customer complaints and inquiries.
• Promotes bank products and services.

Branch Service Associate New Accounts at City Savings Bank (2019-06 – 2021-06)

Facilitated new account openings, maintained customer information files, processed account documentation, and handled ATM card services.

• Facilitates the opening of new checking, time deposits and other bank accounts including CASA accounts and ensure accurate processing of account documentation, deposits and term placements.
• Creates and Updates Customer Information File and gathers all pertinent information about customers personal and account information.
• Keeps and files all forms such as documents and records relating to all accounts and responsible for proper filling of signature cards according to status: Active, Dormant and Closed.
• Initiate ATM card issuance, replacement, activation, deactivation and turn over unclaimed ATM cards and maintain logbooks.
• Performs enhanced due diligence in account opening and established full customer identity.
• Maintain accurate records, monitor reports and assist clients account transfers and closures.

Branch Service Associate Loans at City Savings Bank (2015-07 – 2019-05)

Processed loan applications, verified applicant information, prepared loan files, and handled loan documentation and billing.

• Responsible for processing of loans and verifying applicant's personal information and explains the loan options available to customers and assists them in filling out forms.
• Reviews and verifies completeness of required documents and validates its authenticity ensuring that due diligence is performed.
• In charge of preparing and printing loan files ensuring that all loan documents are complete and all signatures are in order before submitting them for loan approval.
• Capture and Update customer image and signatures in the system.
• Responsible for the preparation of billing for all loan releases / special billings on both RPSU and Autonomous Accounts on day to day basis.
• Responsible on keeping loans documents safe and confidential.

Bachelor of Science in Marketing Management – Holy Name University (2014-03)