Summary
Overview
Work History
Education
Skills
Certification
References
PERSONAL OCCURRENCES
Timeline
Generic
KRISTINE JOY A. LUMACAD

KRISTINE JOY A. LUMACAD

Branch Operations Officer
Blk 1 Lot 6 Natividad Subdivision Deparo Caloocan City

Summary

Detail oriented and reliable Branch Operations Officer with over 10 years of experience in the banking industry, specializing in branch operations, compliance, and customer service. Skilled in cash and vault management, audit preparation and customer engagement. Strong knowledge of banking systems and internal control policies.

Overview

11
11
years of professional experience
2
2
Certifications

Work History

Branch Operations Officer (Assistant Manager)

Metropolitan Bank and Trust Company
01.2023 - Current
  • Supervise daily branch operations including cash handling, teller services clearing, and opening of new accounts.
  • Monitored teller cash limits and ATM replenishment.
  • Processed account opening documentation, loan release support and client servicing.
  • Review and authorize transactions beyond teller limits, including deposits, withdrawals and fund transfers.
  • Prepare and submit regulatory and internal reports such as Large Cash Transactions Significant reporting, Branch TD highest rate, Leeway approvals. Etc.

CSR New Accounts

Metropolitan Bank and Trust Company
01.2018 - 01.2023
  • Assist clients in opening of various type of accounts such as Savings, Checking, Time Deposits, UITF and Commercial accounts.
  • Ensure all required documents are complete and compliant with KYC and AMLA policies.
  • Conduct initial screening and due diligence to prevent fraud.
  • Encode client’s information in the banking system.
  • Promote bank products and services to walk in clients during account opening process.

CSR Teller

Metropolitan Bank and Trust Company
01.2015 - 01.2018
  • Processed daily customer transactions, including deposits, withdrawal, fund transfers, payments etc.
  • Maintained and balanced cash drawers.
  • Ensure accuracy at source in every transaction.
  • Provides excellent customer service by addressing inquiries and recommending bank products that meet customer needs.

Education

Bachelor of Science - Business Administration Major in Financial Management

Far Eastern University
Sampaloc, Manila
01.2015

Secondary Education - undefined

Guardian Angel School Inc.
Deparo Rd, Caloocan City
01.2011

Skills

    Strong knowledge of banking systems and internal control policies

    Customer service

    Operations management

    Cash handling expertise

    Client relationship management

    Team leadership

    Effective communication techniques

    Cash handling experience

    Banking product sales

Certification

Anti- Money Laundering – 2025

References

  • Ma. Emma R., Aguimbag, Branch Head, 09662711888, Metrobank – Caloocan Deparo, Caloocan Deparo
  • Ma. Theresa O., Maranan, Branch Operations Officer, 09175152990, Metrobank – Caloocan Deparo, Caloocan Deparo
  • Daisiry, Patalinghog, Branch Head, 09285021692, Metrobank – Edsa Congressional, Edsa Congressional

PERSONAL OCCURRENCES

  • Age: 30 years old
  • Birth date: December 10, 1994
  • Religion: Christian Catholic
  • Civil Status: Single
  • Height: 5'2
  • Weight: 55 kg.

Timeline

Branch Operations Officer (Assistant Manager)

Metropolitan Bank and Trust Company
01.2023 - Current

CSR New Accounts

Metropolitan Bank and Trust Company
01.2018 - 01.2023

CSR Teller

Metropolitan Bank and Trust Company
01.2015 - 01.2018

Secondary Education - undefined

Guardian Angel School Inc.

Bachelor of Science - Business Administration Major in Financial Management

Far Eastern University

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KRISTINE JOY A. LUMACADBranch Operations Officer