Letitia Anne Garner

• Conduct suitability reviews of transactions in complex products including Alternative Investments, Structure Products, Fixed, Fixed Index, and Variable Annuities.
• Maintain working relationships with Financial Professionals assisting with questions on products or paperwork requirements.
• Assist with CPS, CFS/ SPF, and Written Supervisory Procedures edits and updates.
• Work with Compliance/ Surveillance and OSJ Managers with the monitoring of business activities and operational back-office trade analysis (historical trade review).

• Performed an internal audit of open trades in ProSurv, locating 4,000 transactions.
• Worked on evidencing thise transactions by locating previously submitted documents or contacting the Financial Professional of record to request required documents, for record keeping.
• Reviewed newly submitted applications and/ or documenting if a previous suitability review occurred.

• Brokerage Operations, Oversight, and Supervision.
• Client onboarding; review of account applications and supporting documentation in accordance with KYC and Customer Due Diligence rules.
• Determine suitability for products including option level trading and margin accounts.
• Analysis of option letter reports.
• Examination of account credit, debits, and/or disbursement and other business activities of Branch Service Representatives, Financial Consultants, and Branch Managers.
• Assisted CCO with research and evidencing during internal and third-party audits.

• FSR goals were to educate clients on markets, assist with accounts, and placing trades.
• Promoted throughout and cross trained in several areas of the firm including:

-Account Activation/ Fraud Analyst Services - monitored and reviewed accounts flagged for OFAC, AML, or elder abuse.

-Corporate Actions - client notification/ rendering of tender offers, DRIP enrollment, mergers/ acquisitions education.

-Equity Compensation/ Executive (10B-51) Stock Purchase Plans.

-Tax & Retirement - processed RMDs.

-Software beta testing for Implementation team.

-Trade Desk - assisted with trade blotter time and sales review.

• Sales referrals to RIA, Financial Consultant, and Relationship Management teams of $500MM+ in qualified leads during my four year tenure.

• Loan origination.
• Collections, end of day accounts reconciliation, and expense reporting.
• Check verification and ACH/ Wire processing.
• Prepared and coordinated transport for bank deposits from and cash drops to retail locations.
• Compliance - recorded and filed SAR, CTR, and other AML reports.