Karen Munoz
Stafford
Summary
Dedicated banking and operations professional with extensive experience in customer service, financial operations, regulatory compliance, and transaction processing. Skilled in account management, operations support, customer relationship building, and team training. Bilingual in English and Spanish with a strong ability to communicate effectively and maintain compliance in fast-paced financial environments.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Member Services Representative
Navy Federal Credit Union
10.2024 - Current
- Provide exceptional member service by assisting with account inquiries, financial transactions, and banking solutions.
- Support members with account maintenance, product education, and digital banking services.
- Ensure compliance with credit union policies, procedures, and security standards.
- Handle confidential member information with professionalism and accuracy.
- Build strong member relationships through effective communication and problem-solving
- Serve as a Financial Presentation Specialist
Service Writer / Operations Assistant
E&J Complete Auto Repair, Inc.
04.2024 - 10.2024
- Communicated efficiently with USPS Auto Engineers regarding required vehicle repairs.
- Prepared detailed repair estimates for USPS trucks and walk-in customers.
- Processed approved USPS invoices and vendor payments on a weekly basis.
- Assisted with technician payroll preparation and expense reporting.
- Reviewed inventory levels and ordered necessary shop supplies.
Senior Operations Processor
Wells Fargo Bank N.A. – Customer Transaction Execution Division
04.2021 - 02.2024
- Supported complex business and regulatory projects, including the RBICE initiative.
- Processed domestic and international funds transfers, account closures, and withdrawal requests.
- Ensured compliance with Dodd-Frank Wire Transfer Disclosure requirements.
- Communicated with customers to verify identification and obtain documentation securely.
- Worked closely with operations management and legal processors to ensure transaction accuracy and compliance.
- Selected to train a six-member team on RBICE initiative procedures and regulatory requirements.
Personal Banker
Wells Fargo Bank N.A.
05.2018 - 12.2020
- Opened accounts and assisted customers with financial service requests.
- Built strong customer relationships by identifying financial needs and recommending appropriate products.
- Provided exceptional customer service while maintaining regulatory compliance.
Teller & Lead Teller
Wells Fargo Bank N.A.
09.2014 - 05.2018
- Performed monetary transactions while adhering to risk management and cash handling procedures.
- Provided transaction approvals according to branch approval limits.
- Assisted with branch audit preparation and compliance inspections.
- Supported team members in understanding regulatory and operational requirements.
Education
Accounting Certification -
Germanna Community College
Fredericksburg, VA12-2026
Skills
- Banking Operations
- Customer Service
- Regulatory Compliance
- Account Management
- Transaction Processing
- Cash Handling
- Team Training
- Detail Oriented
- Strategic Problem Solving
- Bilingual: English & Spanish
- Communication
- Microsoft Office
Certification
- Notary Public for the Commonwealth of Virginia
- Medallion Signature Guarantee
Languages
Spanish
Native or Bilingual
Timeline
Member Services Representative
Navy Federal Credit Union
10.2024 - Current
Service Writer / Operations Assistant
E&J Complete Auto Repair, Inc.
04.2024 - 10.2024
Senior Operations Processor
Wells Fargo Bank N.A. – Customer Transaction Execution Division
04.2021 - 02.2024
Personal Banker
Wells Fargo Bank N.A.
05.2018 - 12.2020
Teller & Lead Teller
Wells Fargo Bank N.A.
09.2014 - 05.2018
Accounting Certification -
Germanna Community College