Kerina Jean

• Formulate and review Treasury Policy and guidelines.
• Ensure timely and profitable monitoring and management of Group’s domestic and foreign cash resources.
• Review, analyze and submit monthly and quarterly reports.
• Reconcile various fiscal statements to ensure accurate fund accounting, matches financial statements with cash amounts, initiates account transfers and other transactions as needed.
• Perform daily cash flow analysis, reconciles daily cash and investments, verifies balance to general ledger, prepare current and projected cash flow forecasts and report on same making recommendations as required for effective management or improvements where necessary.
• Perform liquidity stress testing ensuring that scenarios scope allows for coverage of plausible events.
• Provide recommendations to invest unengaged cash when liquidity needs are low.
• Provide realistic Branch limits in line with average outflows to Foreign Correspondent Banks.
• Authorize Branch request in timely manner when Branches are above approved limit.
• Provide input from Treasury and assists with compilation and preparation of Group’s annual business plan and budget.
• Contribute positively to ensure that Group is profitably managed with targets, financial ratios and results set and approved in Business Plan for Treasury function met or exceeded.
• Ensure effective and profitable Group funds management (cash, investments, trade in foreign currencies) with any negative variance not exceeding 10% of targets set.
• Prepared internal and regulatory financial reports, balance sheets and income statements
• Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports

-Management of Bank's investment portfolio

-Communication with Fund managers

-Preparation of Investment proposals for Board approval

-Report to Executive Management and Committee on bank's investment assets

-Analysis of investment portfolios

• Worked with three executives to create annual budget and track actual expenses against projected expenses.
• Planned and managed $500M annual budgets, tracking expenses, and investigating discrepancies to maintain optimal controls.
• Analyzed financial data to identify trends, risks and opportunities
• Developed and maintained internal control systems to protect organizational assets
• Established policies and procedures to support compliance with laws and regulations

• Aggressively works to improve quality of loan’s portfolio, through timely and efficient credit management.
• Periodically reviews credit files (physical and virtual), ensuring that accurate and updated information is maintained on each customer.
• Prepares accurate, relevant and timely credit portfolio reports on monthly basis and other reports.
• Closely monitors credit portfolio (loans & overdrafts) in order that problem and potential problem relationships be identified early.
• Manages delinquent loans and credit cards.
• Cross-sells Bank’s products and services at every opportunity
• Provides supervisory support to include signing/approval/authorization of documents/transactions, teller lock-up duties, and vault custodian, in accordance with policies and procedures.

• Prepare comprehensive accurate, relevant and timely reports for both internal and external use, as required
• Authorize/ approve transactions & documents as is permitted by the Signing Authority
• Verify electronic transfer /payment transactions & bills on collection
• Assist with the prompt resolution of any service/operational deficiencies highlighted in risk &audit reports.
• Perform AML function effectively to include comprehensive monitoring, enhanced due diligence for high-risk clients.
• Responded to customer needs through competent customer service and prompt problem-solving

• Ensure all funds/transactions, ensuring that all relevant documentation is obtained, and funds are processed, within 1 week of receipt; returning those funds which do not satisfy acceptable Risk/AML parameters.
• Develop and maintain comprehensive records keeping system to facilitate easy and quick retrieval of information and accurate reporting.
• Liaise and refer all files that require further assessment for Risk.
• Supervisor/Manager; and periodically following up on these cases to ensure customer response within
• Respond to incoming calls related to processes and respond to queries and other request for information via email from other related parties.
• Ensure that controls which are built into all processes are maintained and adhered to, to ensure zero operational breaches.

• Observe staff/procedures, indicate improvement areas and create solutions
• Improve general logistics
• One-on-one with Station Manager
• Meeting with management
• Staff observation:
• Orientation & Training:
• Presentation of identified areas of concern & proposed solutions
• Implementation, observation of solutions phase 1 solutions
• Mid-phase update/adjustment
• Phase 1 summary/Presentation of identified areas of concern & proposed solutions
• Implementation, observation of solutions phase 2 solution
• Phase 2, summary/Presentation of identified areas of concern & proposed solutions
• Implementation, observation of solutions phase 3 solutions
• Mid-phase update/adjustment
• End of phase 3, summary, presentation of results project closing
• Collaborated with business-unit leaders to identify and prioritize problems.
• Tested data prediction algorithms based on historical data.
• Participated in requirements meetings to understand business needs.

• Input and process all items negotiated through computerized system ensuring that are in balance and operation is completed in timely, accurate and efficient manner.
• Review documents uploaded to imaging system for accuracy and quality control.
• Process foreign checks through relevant clearing system accurately and efficiently
• Conduct periodic customer contact and review of information held on file for customers, to ascertain that it is still valid, obtaining up-to-date information when necessary.
• Perform customer transaction monitoring function to identify whether those transactions which are not consistent with customer’s normal profile are authentic/acceptable.
• Process, verify or authorize electronic funds transfers and messages.

• Attend to customers in the teller queue and process their transactions to include account deposit or withdrawal, cheque cashing, currency exchange, bill payment or account enquiry Attend to customers' queries and give factual information
• Input and process all items negotiated through the computerized system ensuring that they are in balance and the operation is completed in a timely, accurate and efficient manner
• Ensure at all times that vouchers are held in proper custody Manage cash holdings including foreign monies to ensure funds are available for payment and receipt of negotiable items
• Ensure that cash holdings are within required limit as necessary to ensure that safety and security requirements are not compromised
• Balance till at the end of every day to ensure that cash holding at the end of day reconciles with transactions processed and the cash handled throughout the day
• Sort and pay cash to Senior Teller as required, in keeping with bank’s procedures and regulations and Central Bank requirements
• Collect cash pan at the start of each day and secure crossing stamp and cash pan in the vault/treasury at the end of each day
• Aggressively promote and sell the products and services provided by the Bank

• Prepare payments for approval
• Post all checks to GL for Amerijet, DFS and EMS
• Prepare monthly remittances to freight partners-ITN, 4-
• Star , Crowley Caribbean and Ezone
• Reconcile & replenish petty cash
• Verify petty cash and other floats
• Daily posting of all receipts and credit advices
• Prepare Bank reconciliation
• Ensure payments are received correctly
• Ensure correct balancing of day cash