Thoa Tram

With more than 10 years of experience in Banking and Bancassurance, I have strong expertise in partnership management, insurance product operations, and business enablement. I have experience working with major insurance partners such as Manulife, Bao Long, Prudential, MSIG, and VBI, and closely collaborating with Business, IT, Legal, Risk, and Operations teams to assess feasibility, recommend implementation approaches, and ensure effective and compliant business operations and product delivery.

I am looking for a professional working environment where I can leverage my experience and skills to improve operational efficiency, enhance customer experience, and contribute sustainable value to the organization.

# SAIGON COMMERCIAL BANK (SCB)

## Bancassurance Business Management Supervisor

10/2021 – Present

## Job Description

Manage and develop partnerships with insurance partners including Manulife, Bao Long, and Genetica; maintain effective coordination among partners, Business units, and internal departments such as IT, Legal, Risk, and Operations to ensure business implementation and product operations are delivered on time, in compliance with regulations, and aligned with business objectives.

Assess feasibility and recommend suitable business implementation approaches based on operational conditions, governance requirements, and business objectives from Senior Management and/or partners in each period.

Coordinate product rollout and manage the operations of insurance products distributed through the banking channel; coordinate the resolution of issues arising during implementation and recommend solutions to improve service quality and customer experience.

Provide recommendations and coordinate the implementation of business programs, sales promotion activities, customer promotions, and business initiatives; monitor progress, consolidate feedback, and recommend adjustments to improve implementation effectiveness.

Manage compliance requirements for insurance agency activities across the banking network and coordinate the handling of customer complaints and disputes.

Monitor business performance, prepare reports and documents for management purposes, and prepare approval papers, proposals, and recommendations for implementation.

# VIETNAM INTERNATIONAL BANK (VIB)

## Insurance & Investment Product Development Senior Specialist

01/2020 – 09/2021

## Job Description

Coordinate with insurance partners including Prudential, MSIG, and VBI to roll out and manage insurance product portfolios distributed through the banking channel; conduct product assessment and comparison, prepare approval documents and implementation plans, and coordinate the development of business support materials, sales tools, and communication content.

Receive business requirements, coordinate with the IT Division to prepare Business Requirement Documents (BRD), review Functional Specification Documents (FSD), and conduct system testing to support the implementation of promotion programs and product digitalization.

Manage insurance certification and agent code activities across the banking network; receive and consolidate registration lists, monitor training and exam results, and coordinate with partners during the implementation of training programs in accordance with regulations.

Coordinate with partners and related departments in sales quality control, handling compliance issues and customer complaints; participate in verifying violation cases and recommend solutions to improve advisory quality and customer experience.

Participate in recommending and implementing sales promotion programs, sales productivity initiatives, and customer promotions based on Senior Management direction; monitor implementation results, consolidate feedback, and recommend solutions to improve program effectiveness.

Participate in Bancassurance partnership projects with insurance partners including Manulife, Bao Long, and Bao Viet; coordinate with related departments in developing partnership plans, preparing approval documents, organizing contract signing, and rolling out partnership programs across the banking network.

Coordinate the management of insurance product portfolios; review and develop operational guidelines, sales tools, and internal communication content to support business units in effective product implementation.

Coordinate the implementation of sales promotion programs and commission policies; work with partners to calculate program results, consolidate incentive payment lists, and coordinate with related departments to process payments in accordance with regulations.

Support the organization of customer seminars, business conferences, and sales events across the banking network.

Support business units in handling operational questions and issues to ensure smooth business implementation.

• Participate in developing and standardizing operational guidelines and processes to improve operational efficiency, strengthen risk control, and ensure compliance.

Key Achievement: Recognized by Senior Management with an award for contributions to the successful implementation of the strategic Bancassurance partnership project with Manulife (2015).

2006- 2010: Ho Chi Minh City Open University- Banking and Finance - Classi cation: Good.2016: Life Insurance Agent Certi cate (Manulife)2024: Non-Life Insurance Agent Certi cate (Bao Long)