JOMER APATTAD
Pasig
Summary
Results-driven Cash Officer and Internal Auditor experienced in financial statement review, auditing and reporting. Well-versed in producing reports, evaluating department operations and handling month- and year-end closings. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
14
14
years of professional experience
14
14
years of post-secondary education
1
1
Certification
2
2
Languages
Work History
Cash Officer
Armored Transport Plus Incorporated
Pasig City, MML
05.2023 - Current
- Cash Hub Supervisor- To maintain Cash operation run smoothly according to company policy and its regulation
- Supported financial director with special projects and additional job duties.
- Cash Management and inventory- Preparing Cash inflows/outflows, cash count
- Distributes and receives cash delivery to different merchants or Banks
- Reconciliation of cash and account discrepancies through collecting information
- Implemented and regularly reviewed financial controls to generate accurate and reliable financial data.
- Complied with established internal controls and policies.
- Analyzed business processes to identify cost savings and operational efficiencies.
- Conducted financial due diligence on potential investments.
- Improved overall financial reporting by streamlining control processes and reporting structures.
- Developed strategic plans for day-to-day financial operations.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Designed and maintained financial models to identify and measure risks.
Internal Auditor/ Compliance Assistance
First Isabela Cooperative Bank
Cauayan City, Isabela
06.2020 - 05.2023
- Performed internal audits of financial and departmental operations, developing risk assessments and conducting process walk through for compliance with documented processes.
- Developed auditing program to address risks and evaluate regulatory requirements.
- Produced audit reports.
- Explained risk and compliance concepts to managers and executives.
- Guided departments in developing remediation plans based on audit findings and recommendations.
- Prepared and distributed risk and audit reports to appropriate personnel.
- Reviewed and identified risks, analyzed controls and tested compliance.
- Documented auditing information utilizing corporate system.
- Documented recommendations to improve internal controls.
- Coordinated with external auditors and documented process reviews.
- Handled supervisor duties when manager was unavailable or out of office.
- Administered auditing program to address risks and evaluate compliance with regulatory requirements.
- Identified and reported audit issues.
- Trained newly hired employees on company processes, procedures and deadlines.
- Investigated incidents and accidents to identify causes and potential preventive measures.
- Conducted safety audits, inspections and evaluations to identify potential hazards and implement corrective actions in accordance with regulatory requirements.
- Maintained up-to-date knowledge of applicable laws and regulations.
- Completed field checks to verify licenses and permits for various business.
- Developed and implemented corrective action plans for non-compliance issues.
- Collected detailed notes on investigations and other communication to adhere to legal requirements and enhance recordkeeping.
- Advised clients on compliance fraud and investigations, as well as potential remedies and required actions.
- Performed internal audits of financial and departmental operations, developing risk assessments and conducting process walkthroughs for compliance with documented processes.
- Evaluated company's policies to determine how well standards adhered to best practices.
Roving Technical Assistant (Teller Jewelry Appraiser and LSA)
First Isabela Cooperative Bank
Cauayan City, Isabela
06.2015 - 05.2020
- JEWELRY APPRAISSER AND LOAN BOOKKEPPER/ LSA: Evaluate Jewelry as collateral and Evaluate Cash flow Analysis
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Identified sales opportunities and referred customers to branch partners in financial services.
- Answered telephone inquiries on checking and savings accounts, loans, and lines of credit.
- Learned about customer's financial needs, established trust, and optimized sales opportunities resulting in quality customer service.
- Educated customers on use of banking website and mobile apps.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Processed customer transactions promptly, minimizing wait times.
- Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
- Maintained accurate records of customer transactions in line with bank procedures.
- Disbursed cash and checks accurately while maintaining security of cash drawers.
- Assisted with training of new tellers on policies and procedures.
- Followed up on customer complaints and provided solutions to enhance customer satisfaction.
- Served as primary point of contact for customers, providing assistance with account maintenance and transactions.
- Monitored and reported suspicious activity in line with bank security policies.
- Counted, verified and handled bank deposits and armored car transactions.
- Calculated fees due, interest and change for customer transactions.
- Maintained friendly and professional customer interactions.
- Cross-sold loans and other bank products.
- Arranged monies received in cash boxes and coin dispensers according to denomination.
- Received loan and utility payments, sending funds to correct destinations.
- Processed applications for new accounts.
- Checked pricing, scanned items, applied discounts, and printed receipts to ring up customers.
- Offered each customer top-notch, personal service to boost sales and customer satisfaction.
- Adhere to strict opening and closing procedures to protect both employees and asset of bank
- Helped customers open, close and update bank accounts and Explained bank services, financial products and applicable fees to customers
- Identified customer financial needs, goals and objectives and offer appropriate financial products with exceptional service levels by remaining friendly and professional during every transaction
- Assisted with loan applications, guiding on procedures and process
- Generated aging balance reports and issued notification letters to delinquent account holders.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Explained very technical financial information to applicants in easy to understand language.
- Assisted customers with completing loan applications and other paperwork.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Negotiated loan terms and conditions with customers to secure best deal.
- Proactively identified solutions for customers experiencing credit issues.
- Assessed loan portfolios for compliance with underwriting policies.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Processed loan applications and monitored progress from start to finish.
Business Client Relation II (Cashier and Vault Custodian)
Cebuana Lhuillier Pawnshop- Pawncare Services
Roxas, Isabela
08.2012 - 06.2015
- Act As Branch Manager and /or Cash custodian reliever and or Branch when Branch Personnel is on leave
- Accept cash from cash servicing units and registered in system
- And Check and balance by inventory all items and collateral inside vault
- Prepared financial report and end of day by reconciliation of system ledger and documents
- Perform Know your Client and due diligence for first timer customers
- And Responsible for checking authenticity of client's Identification Card presented in branch.
- Helps Branch operation manager in appraisal of jewelries and Perform cashiering such as accepting bills payment, release of cash, Giving Receipts
- Accomplished and verified signature of borrower in pawn ticket and remittance documents
- Cross-selling or offer other product of company such as Malayan Insurance, 24k cards, and Foreclosed to prospective buyer
- Maintain orderliness and completeness of all documents transacted by branch and kept properly inside vault for audit purposes
- Making weekly reports, monthly reports, and quarterly reports regarding prenda avail, sold products, income, and monitor total inventory
- Rest assure that branch was keep safe and sound.
Cashier/ Service Crew
Mang Inasal/ MI egg and Co.
08.2010 - 06.2012
- Addressed customer needs and made product recommendations to increase sales.
- Worked closely with shift manager to solve problems and handle customer concerns.
- Welcomed customers and helped determine their needs.
- Worked flexible schedule and extra shifts to meet business needs.
- Restocked and organized merchandise in front lanes.
- Answered questions about store policies and addressed customer concerns.
- Greeted customers entering store and responded promptly to customer needs.
- Stocked, tagged and displayed merchandise as required.
- Counted money in cash drawers at beginning and end of shifts to maintain accuracy.
- Used POS system to enter orders, process payments and issue receipts.
- Handled cash with high accuracy and took care to check bills for fraud.
- Worked with floor team and managers to meet wide range of customer needs.
Education
MBA - Business Administration And Management
University Of Cagayan Valley
Tuguegarao City, Cagayan Valley 01.2011 - 04.2015
Associate of Science - Personal Computer Operation
University Of Cagayan Valley
Tuguegarao City, Cagayan 06.2007 - 04.2010
Bachelor of Science - Business Administration Major in HRDM
University Cagayan Valley
Tuguegarao City, Cagayan Valley 06.2008 - 04.2012
Some College (No Degree) - Accounting Technology And Bookkeeping
Professional Units in Education/ Units in Management Acctng (Not Yet Finished)
Tuguegarao City, Cagayan 06.2021 - Current
Skills
Account reconciliation and Inventory Management- Checking and Ensuring all records pertaining to company financial position and ledger should complete and correct
People Management skills and Leadership- Supervisor and Acting Manager
Jewelry Appraiser and Cash flow analysisFinancial Record Keeping and Cash handling Expertise
Fraud Prevention and Internal controls
Business Relationship Management and Risk Assessment
Quality Assurance and Customer Service
Compliance Assessment and loss mitigation
Team Building Leadership
Know Your Customer and loan Processing
Report Writing
Process Evaluations and financial record review
Certification
I certify that all information herewith are true to the best of my knowledge.
Applicant Name
JOMER MARAMAG APATTAD
Professional Trainings Seminars Attended
- Jewelry Appraisal and Pawnshop Management, Diliman, Quezon City, 08/23/22-08/24/22
- AMLA FICOBank Head Office, Cauayan City, Isabela, 06/22/22
- AML/CFT/CPF (BSP Cir. No. 1022) (Via Zoom), FICOBank Head Office, Cauayan City, Isabela
- Risk-Based Internal Audit (via Zoom), FICOBank Head Office, Cauayan City, Isabela
- Orientation on Anti-Money Laundering Act, FICOBank Head Office, Cauayan City, Isabela
- Seminar in Business ethics, FICOBank Head Office, Cauayan City, Isabela
- Gold Appraising Workshop, Cebuana building, Antipolo City
- Business Relation attitudes dealing with Client, Cebuana Area Office, Lingayen, Pangasinan
References
- Ms Lara Angelie Manzano, CPA, UNIT HEAD- COMPLIANCE, 09179340828
- Ms. Cylabelle Sta Maria, CASH MANAGER- CASH OPERATION, 09957502393
- Ms. Dyna Vie Simon, LLB, UNIT HEAD- Risk Credit Management, 09564832888
Timeline
Cash Officer
Armored Transport Plus Incorporated
05.2023 - Current
Some College (No Degree) - Accounting Technology And Bookkeeping
Professional Units in Education/ Units in Management Acctng (Not Yet Finished)
06.2021 - Current
Internal Auditor/ Compliance Assistance
First Isabela Cooperative Bank
06.2020 - 05.2023
Roving Technical Assistant (Teller Jewelry Appraiser and LSA)
First Isabela Cooperative Bank
06.2015 - 05.2020
Business Client Relation II (Cashier and Vault Custodian)
Cebuana Lhuillier Pawnshop- Pawncare Services
08.2012 - 06.2015
MBA - Business Administration And Management
University Of Cagayan Valley
01.2011 - 04.2015
Cashier/ Service Crew
Mang Inasal/ MI egg and Co.
08.2010 - 06.2012
Bachelor of Science - Business Administration Major in HRDM
University Cagayan Valley
06.2008 - 04.2012
Associate of Science - Personal Computer Operation
University Of Cagayan Valley
06.2007 - 04.2010