Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
Generic

Chantal Michael

Sydney

Summary

A resilient and well organised business merchant banking professional with extensive knowledge and experience with small businesses, specifically merchant applications across a range of businesses and industries. With a strong understanding of small business solutions, and a strong eye for risk management, as well as accounting experience, strong analytical skills, strong customer service skills, ability to handle difficult situations including complaints and strong motivation to work both autonomously and as a team, I have proven myself to go above and beyond the expectations of my employers whilst always ensuring all stakeholder needs are kept as priority. Strong teamwork skills and a can-do attitude, I strive to set and achieve challenging and rewarding goals to excel on my career.

Overview

13
13
years of professional experience

Work History

Operations Manager

Westpac Group
06.2023 - Current
  • Developed and executed strategic plans to optimise operational efficiency and achieve business goals.
  • Conducted regular audits to ensure compliance with industry standards and regulations.
  • Increase the efficiency of existing processes and procedures to enhance the company’s business capacity.
  • Restructured and implemented business banking onboarding process.
  • Supported 9 Regional General Manager & 2 National Managers with operational effectiveness.
  • Developed and implemented risk management strategies to mitigate potential operational disruptions.
  • Effectively communicated with stakeholders, including executives, employees, and external partners.

Team Manager - Business Direct

Westpac Group
02.2023 - Current
  • Managing and leading a team of 9 Business Solutions Bankers
  • Excelled in strategic merchant acquiring and targeting, contributing to business growth and enhanced client engagement.
  • Generated detailed financial reports, incorporating thorough analysis and key performance indicators (KPIs).
  • Ensured strict adherence to industry compliance standards, mitigating risks, and upholding regulatory requirements.
  • Played a pivotal role in handling major financial complaints and JUNO escalations.
  • Aligned team goals and objectives with organisational strategy, aiding business growth.
  • · Ensured adherence to Westpac's Risk and Compliance framework, mitigating risks, and maintaining regulatory compliance.

Business Solutions Banker

Westpac Group
09.2021 - 02.2023
  • Collaborated closely with small business and commercial customers, tailoring cash, and transactional solutions to their unique needs.
  • Possessed training and exposure to responsible lending practices, ensuring ethical and sustainable financial solutions.
  • Cultivated enduring relationships with both managed and unmanaged clients, fostering loyalty and trust.
  • Oversaw the entire fulfillment process, ensuring seamless delivery of products/services to clients.
  • Evaluated prepayment exposure and margins to optimise profitability for the group.
  • Collaborated with risk/business managers and branch staff to facilitate efficient customer onboarding.
  • Underwent comprehensive training in audit and compliance protocols, risk management and regulatory adherence.


Accounts Assistant & Account Officer

ALLCASTLE HOMES PTY LTD
06.2014 - 09.2021
  • Issued progress payment and contract variation invoices, ensuring compliance with contract margins
  • Liaised with clients, banks, and financial institutions to monitor and secure timely payment of invoices
  • Processed daily receipts (credit card payments, cash, cheques, direct deposits), prepared banking transactions, and completed bank reconciliations
  • Collaborated with construction staff members for seamless operations and facilitated client appointments at the pre-construction stage
  • Administered contract terms to prevent breaches and ensured accurate input of invoices, approvals, and timely payments
  • Conducted quarterly reviews of the general ledger to maintain accurate transaction records
  • Analysed sales and marketing reporting to optimise strategy.
  • Assisted in the successful launch of the new Allcastle Homes website in 2020
  • Collaborated with management to close sales and managed REA and Domain online ads

ACCOUNTANT

PRIESTLEY AND MORRIS CHARTERED ACCOUNTANTS
05.2011 - 06.2014
  • Conducted client stock takes, meticulously performing detailed audit procedures to ensure accuracy and compliance
  • Demonstrated proficiency in using Caseware, Microsoft Excel, and Microsoft Word for comprehensive audit and financial reporting
  • Initiated effective communication with clients to understand and discuss audit requirements, addressing implications of audit findings
  • Played a crucial role in superannuation audits, focusing on meticulous substantiation of income and expenses to ensure compliance
  • Delivered accurate preparation of individual tax returns, maintaining regular communication with the ATO to address tax issues promptly
  • Accurately handled the preparation of business activity statements, GST, and FBT returns with a keen eye for detail
  • Managed bookkeeping and remuneration processing for clients, ensuring financial records were meticulously maintained.

Education

Tier 2 RG146 Accreditation- Banking & General Insu -

Kaplan Business School
10.2021

Western Sydney University
01.2013

Skills

  • P&L Management
  • Performance Reporting
  • Business Development
  • Project Planning and Development

Accomplishments

Westpac 1H22 Consumer & Business Banking Divisional Award - "Performing"

Timeline

Operations Manager

Westpac Group
06.2023 - Current

Team Manager - Business Direct

Westpac Group
02.2023 - Current

Business Solutions Banker

Westpac Group
09.2021 - 02.2023

Accounts Assistant & Account Officer

ALLCASTLE HOMES PTY LTD
06.2014 - 09.2021

ACCOUNTANT

PRIESTLEY AND MORRIS CHARTERED ACCOUNTANTS
05.2011 - 06.2014

Tier 2 RG146 Accreditation- Banking & General Insu -

Kaplan Business School

Western Sydney University
Chantal Michael