CARINA DUNK
Hastings,UK
Summary
Highly proficient Banking professional with over 20 years' experience working in Australia and the UK. As a Lending and Financial Crime Analyst, I have developed strong analytical and problem-solving skills, capable of navigating complex financial systems and detecting anomalies. I am adaptable and resilient delivering excellent customer service, deadlines targets and KPI's. I thrive in a multi-faceted and fast paced environment and am equally adept at working independently as I am as part of a cohesive team. I regard myself as highly motivated with a strong work ethic, I am methodical and analytical in my approach and ensure accuracy while delivering exceptional results.
Overview
21
21
years of professional experience
12
12
years of post-secondary education
Work history
Station Admin Support
Southeastern Railway
Hastings, EastSussex
03.2025 - Current
- Initiate and Conclude investigations of cancellations, delays and other occurrences to ensure correct causation is established and attributed and that re-occurrences are minimised.
- To re-attribute lost minutes to the correct manager/company as required.
- Deliver and exceed performance indicators.
- Maintain performance tracker.
- Ensure that business environments are compliant with business, commercial and safety standards.
- Used Microsoft Word and other software tools to create documents and clear communications.
- Apply critical thinking to analyse problems, evaluate solutions and select best decisions.
Financial crime analyst
Lloyds Banking Group
Hove, East Sussex
02.2024 - 10.2024
- Identify and investigate potential financial crimes such as fraud and money laundering.
- Monitor high risk customers and ascertain banking relationship based on findings.
- Collaborate with compliance and risk management teams.
- Prepare detailed reports on findings and recommendations.
- Use advanced analytical tools and software to detect anomalies.
- Stay updated on financial trends and regulatory changes, whilst remaining compliant and confidential at all times.
- Use of Microsoft Office applications to prepare reports, manage correspondence and maintain organised records.
Lending Analyst
Lloyds Banking Group
Hove, UK
10.2015 - 02.2024
- To process lending applications for loans, credit cards and overdraft facilities from multiple application sources including online, internal colleagues and customers directly
- Management of lending applications in line with regulatory and legislative requirements adhering to FCA protocols; quality checking applications utilising internal systems; ensuring accuracy and completeness of all data and information to be able to calculate and ascertain lending risk levels; processing application outcomes
- Providing clear and professional communication throughout application and decision process to all relevant stakeholders; liaising with internal colleagues to confirm loan outcomes
- Liaising with customers when required to obtain information to ensure informed decisions and correct underwriting made
Personal Banker
Westpac Bank Plc
Perth, Australia
10.2013 - 10.2015
- Promoted to Premier role after one year with the business and successfully exceeding sales targets and KPI's by over 140% as a Personal Banker; achieved first place for Net Promotor Score (NPS) through provision of exceptional customer service standards; managed individual portfolio of customers; provided product and financial service information; utilised multiple sales and cross selling techniques to continually exceed targets by 200% and placed 2nd overall across the region; improved interdepartmental relationships through utilising multi-product sales; worked closely with Mortgage brokers to assist customers with lending needs; provided mentoring and support to team members to aid achievement of team targets and goals; nominated for Local Hero Award for customer service delivery levels
Receptionist
Austral Risk Services
Perth , Australia
03.2013 - 10.2013
- Provided meet and greet service for all customers and visitors; assisted with administrative support including document management, call handling, mail management; dealt with customer enquiries; contacted customers to discuss policy renewals
General Sales and Service Agent
Air X Pty Limited
01.2013 - 03.2013
- Completed 3 month temporary assignment providing customer service and sales across 3 international airlines including Air Asia, United Airlines and South African Airways; liaised with customers by telephone and face to face; completed customer sales, bookings and reservations; managed accounts payable and receivable
Senior Personal Banking Manager
Lloyds Banking Group
Hove, UK
04.2004 - 03.2012
- Successfully progressed from role of Cashier to Senior Personal Banking Manager; offered promotion to Branch Manager prior to going to Australia; worked with customers to provide exceptional levels of service; provided product and service advice and guidance; assisted with banking requirements; exceeded personal and team targets and KPIs through utilisation of effective sales and cross selling techniques; co-ordinated team daily objectives and provided leadership support and guidance
Education
City and Guilds Diploma - Computers
Hastings College of Arts and Technology
UK 01.2001 - 01.2003
AAT - Level 2 -
College
UK 01.2018 - 01.2019
Cert IV in Banking -
Kaplan
Australia 01.2013 - 01.2015
GNVQ - Leisure and Tourism
Hillcrest Sixth Form
UK 01.1999 - 01.2001
GCSE - Mathematics and English
Hillcrest School
UK 01.1994 - 01.1999
Skills
- Banking Industry
- Customer Service
- Financial Analysis and Review
- Problem Solving
- Financial Risk Management
- Financial Regulatory Requirements
- Team Leadership and Mentoring
- Sales and New Business Generation
- Effective Communication
- Interpersonal Skills
Custom
Microsoft Office, in-house banking software and systems, SCRAM, AACS, ICargo, AAE, Available on Request
Timeline
Station Admin Support
Southeastern Railway
03.2025 - Current
Financial crime analyst
Lloyds Banking Group
02.2024 - 10.2024
AAT - Level 2 -
College
01.2018 - 01.2019
Lending Analyst
Lloyds Banking Group
10.2015 - 02.2024
Personal Banker
Westpac Bank Plc
10.2013 - 10.2015
Receptionist
Austral Risk Services
03.2013 - 10.2013
General Sales and Service Agent
Air X Pty Limited
01.2013 - 03.2013
Cert IV in Banking -
Kaplan
01.2013 - 01.2015
Senior Personal Banking Manager
Lloyds Banking Group
04.2004 - 03.2012
City and Guilds Diploma - Computers
Hastings College of Arts and Technology
01.2001 - 01.2003
GNVQ - Leisure and Tourism
Hillcrest Sixth Form
01.1999 - 01.2001
GCSE - Mathematics and English
Hillcrest School
01.1994 - 01.1999
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