Michelle Ho
Lidcombe,NSW
Summary
Responsible for providing high-quality service to clients and oversight of technical, procedural, and compliance matters. Core competencies include: a positive can-do attitude, strong planning and organizing skills, excellent communication and time management skills, passion and motivated, with a drive for excellence, handles tasks with accuracy and efficiency and represent establishment with friendly, professional demeanour at all times.
Overview
23
23
years of professional experience
Work History
Associate Advisor (Retail Advice)
Viridian Advisory
11.2020 - Current
- Research and develop financial strategies for clients, including strategy formation across multiple entities (Family Trusts, Companies, SMSFs)
- Assist with the development of complex advice strategies and recommendations
- Prepare insurance needs analysis and develop insurance strategy
- Maintain high compliance standards in line with industry best practice
Senior Client Service Manager (Wholesale Advice)
Viridian Advisory
03.2018 - 10.2020
- Specialize in the HNW and work with a sophisticated client base
- Assist Executive Advisor to maintain and build client relationships through professional customer service.
- Involve in the estate planning process/succession planning from start to finish including attending meetings with lawyers and following through to completion
Paraplaner
BT Financial Group
10.2017 - 03.2018
- Prepare high quality, accurate, timely and compliant statements of advice (SoA)
- Assist the advisers with modelling, insurance needs analysis, product research, investment recommendations and obtaining required information necessary for the preparation of the SoAs
- Ensure strict compliance with legislation and licensee standards
Planner Assistant
BT Financial Group
06.2016 - 10.2017
- Responsible for meeting preparation including meeting agenda (3-5 pages long), asset/liability spreadsheet, portfolio position, super position as well as post meeting follow up and ensure work completion
- Ensure work practices are conducted in accordance with compliance requirements, and all compliance documentation is to up to date
- Responsible for plan implementation and ensure value transactions are processed accurately and within required time frames
Financial Risk Analyst
AMP Group Treasury
06.2014 - 06.2016
- Monitor investment risk in the company shareholders' investment portfolio, interest rate, and foreign exchange risk
- Monitor counterparty risk in the Group-wide exposure and reporting breaches for immediate actions
- Authorize memos proposing transactions in relation to intercompany loans, dividends, capital returns, and capital injections to fund business growth.
Treasury Officer
AMP Group Treasury
12.2006 - 06.2014
- Responsible for daily settlements for treasury products: 11 am cash/discount securities/FX/FRA via SWIFT/Exigo/RITS
- Responsible for operational procedures manual, system upgrades and testing
- Analyze dealers' reports (GAP analysis, Maturing, Credit) and report breaches for immediate actions
- Extensive experience with treasury system Integra (SunGard)
Market officer
ANZ Bank
05.2005 - 10.2006
- Liaise with clients in relation to their FX transactions and kept clients informed of the progress
- Liaise with other departments of ANZ as needed to resolve clients' complex transactions.
Customer service officer
ANZ Bank
04.2004 - 05.2005
- Handle inquiries from internal and external customers relating to inward & outward telegraphic transfers, drafts, traveler cheques, foreign currency cash
- Guide branches on how to process all international transactions and how to use domestic and international payment applications.
Personal Banker
ANZ Bank
11.2000 - 09.2003
- Conduct customer interviews for a full range of transaction products and lending transactions
- Assist in teller scheduling, monitoring security procedures, and branch administration
- Apply and maintain up-to-date knowledge of transaction banking policies, services, and procedures.
Customer Service Consultant
ANZ Bank
11.1999 - 11.2000
- Resolve inquiries regards to customers' retail & credit card accounts at their first point of contact
- Liaise with different departments to ensure that customer needs are met.
Teller & Personal Banker
CBA
South Melbourne
02.1999 - 11.1999
- Manage customer bank accounts; open, close, and oversee transactions
- Perform international transactions
- Resolve issues with banking services and accounts
- Daily cash handling for business clients
Education
Graduate Diploma of Financial Planning - Financial Planning And Services
Griffith University
01.2023
Advanced Diploma of Financial Planning -
Kaplan Professional
03.2018
Master of Commerce - Banking and Finance
University of Sydney
05.2016
Bachelor of Business - International Trade
Victoria University of Technology
Skills
- Strong attention to detail and analytical skills
- Well-developed analytical and problems solving skills
- Excellent verbal & interpersonal skills
- Ability to build relationships – both internal and external
- Strong understanding of financial planning processes and internal systems, business risk, and compliance
- Strong understanding of complex Trust/Company tax structures, SMSFs financial statements
- Proficient in Xplan modules: Wealthsolver, Risk Researcher, Xtool/CALM and workflow management
Timeline
Associate Advisor (Retail Advice)
Viridian Advisory
11.2020 - Current
Senior Client Service Manager (Wholesale Advice)
Viridian Advisory
03.2018 - 10.2020
Paraplaner
BT Financial Group
10.2017 - 03.2018
Planner Assistant
BT Financial Group
06.2016 - 10.2017
Financial Risk Analyst
AMP Group Treasury
06.2014 - 06.2016
Treasury Officer
AMP Group Treasury
12.2006 - 06.2014
Market officer
ANZ Bank
05.2005 - 10.2006
Customer service officer
ANZ Bank
04.2004 - 05.2005
Personal Banker
ANZ Bank
11.2000 - 09.2003
Customer Service Consultant
ANZ Bank
11.1999 - 11.2000
Teller & Personal Banker
CBA
02.1999 - 11.1999
Graduate Diploma of Financial Planning - Financial Planning And Services
Griffith University
Advanced Diploma of Financial Planning -
Kaplan Professional
Master of Commerce - Banking and Finance
University of Sydney
Bachelor of Business - International Trade
Victoria University of Technology