Michelle Axiak

A solid professional with 25+ years of experience in Customer Service and Administration. Customer Service Financial Representative who demonstrates excellent verbal and written communication skills when interacting with others. Self-motivated to drive results with enthusiasm and energy to move a company forward. Possess a strong work ethic along with exceptional customer-relation and decision-making abilities. Outstanding documentation and multi-tasking abilities to establish and maintain workflow and processes.

HSBC - HONGKONG SHANGHAI BANKING CORPORATION LIMITED, Malta- HSBC - COLLATERAL MANAGEMENT UNIT (Jul 2022 - PRESENT - Contract Oct 2023) 

ACCOUNTABLE FOR INPUTTING LOANS DOCUMENT FOR HOME AND LIFE INSURANCE AND ENSURING CUSTOMER NEEDS ARE MET. ● INPUTTING INFORMATION PER SIGNED INSURANCE DOCUMENTS VIA BANKING SYSTEM. ● AMENDING THE SUM INSURED UPON CUSTOMER OR INSURANCE COMPANY REQUEST. ● FILLING CUSTOMER DOCUMENTS DAILY TO INSURE RECORD KEEPING. ● PROVIDE LIFE INSURANCE COMPANIES SIGNED PROOF ON CLAIMS. ● CORRESPONDANCE LETTERS TO CUSTOMERS REGARDING LAPSED POLICIES. ● PROCESS MONTHLY LAPSED REPORTS FROM INSURANCE COMPANIES. 

BMO - BANK OF MONTREAL– DEC 3, 1997 – MAR 24, 2022 - BMO Wealth - Private Banking Funding Officer, Credit - (2020 – 2022) 

Accountable for completing requests on behalf of Private Lenders to satisfy the client Mortgage/Loan needs ▪ Daily review of incoming Service Requests via Optimizer from multiple bankers that are assigned to me. ▪ Maintenance on requests ie: MTG Payouts from Solicitors/Client Request, Closing Accounts/Loans, Transfer Funds. Set-up Sono, Account Splits, Submit Discharge Requests to MSC. MTG/HRLC Renewals ect. ▪ Complete individually Reports, ie: 958, 121C weekly and the 906 monthly, 970 monthly (weekly at RRSP season) ▪ Process Ernest & Yonge Advances upon request from E&Y Partners, Nov 01 Annual Limit Increase and remaining amount advances, Annual income Tax. 

BMO Home Financing Fulfillment Team – Lending Operations Personal, Business Banking, Payment & Collection Operations (PBPCO) - (2013 - 2020) 

Accountable for completing deals on behalf of branches to fulfill the clients Personal Mortgage/Loan needs ▪ Complete Mortgage and Loans based on FCT (First Canadian Title) and Solicitor deal ▪ Daily auditor of the HFFT 5 Community Suspense Accounts and Compile daily Suspense Account Reconciliation for end of month WinZip Auditor file. ▪ Complete semi-annual audits for Iron Mountain shipping, FCT reports in MGR absence. ▪ Assisted in the Mortgage Specialist Services Team (MSST) workflow audits for our India partners and Home Fulfilment Financial Team (HFFT). When required complete the Transmittal file copies to branch. Work though Customer Service issues through financial aspect. ▪ Daily orders of FCT, Appraisals, PPSA, CMHC, requested by customers through the new Branch Fulfillment process while following the Standard Operations Procedure (SOP). Using ALD to review deals and satisfy conditions applied Michelle Axiak Page 2 by a Lender. Completed funding stage and process payouts ie. MTG, Loans, HRLC, HOLCs, Bridge Loans ect. Via FCT Tool electronic Entries. Customer Service request via online Tools. ▪ Assist in SR team by reviewing deal and the Doc received. Assist in MGR escalations to our Branch Partners. Continue communication through Mortgage Service Centre for assistance in fund retrieval through 5 community accounts, submit Service Requests via MC Lending Services for credit card limit reductions or closures. 

BMO Commercial Lending Product Integration & Risk, Data Validation Administrator (DVA) / Manager Assistant- (2008-2013) 

Accountable for providing administrative and professional support to Managing Directors, gathering required financial statements for risk assessment process control. Monitor and ensure established administrative and operational processes and control standards are followed to prepare for external audit. ▪ Provided administrative support and coordinating coaching meetings for the Manager. Addressed internal and external inquiries also forwarding to appropriate areas, effectively managing team vacation schedule, clerical duties including filing and safe keeping, implement process improvements to streamlined weekly and monthly audits. ▪ Sustained workflow and administrative processes and maintained procedural processes that reduced redundancies and improved accuracy and efficiency to achieve organizational objectives. ▪ Developed and accurately maintained a network of district and Portfolio Management Unit contacts to gather Commercial Financial Statements required for Risk Assessment while Adhered to all regulations Policies and Procedures, legal, ethical and process requirements to established risk guidelines companywide. ▪ Uploaded monthly reports for all districts annual customer reviews. Tracked weekly and monthly percentages on commercial district work production. Prepared reports for Management and Executives on district performance and deficiencies to assess risks and process control. ▪ Disseminated monthly emails to appropriate commercial districts that reported deficiencies needing to be addressed prior to external audit review. Delegate work to other co-workers. 

BMO Personal and Commercial Product Operations Canada, Identification (ID) Administration & Support Officer - (1997-2008) 

Accountable for providing ID administrative support to all employees company-wide and by following standard processes tracked payments made to incorrect companies. ▪ Set up and managed New Credit Card System (NCCS)ID’s (as site supervisor) and RM/AM Codes bank-wide, RACAF, Mech, CertaPay, CCAPS ID’s building–wide while maintaining daily, monthly, semi-annually, quarterly and annual Audits. Also assisted with the daily audits for Large Cash deposits/Anti Money Laundering. ▪ Traced payments made to companies through ABM, Telephone and Online Banking Services to ensure payments were reflected accurately to applicable company. ▪ Completed a project on behalf of the Privacy/Opt out process for BMO Life which minimized BMO’s financial and reputational risk. Personally reviewed over 8000 BMO accounts to ensure compliance. ▪ Processed Garnishments, Bank Acknowledgement, opened and closed account, Opt-out requests, input of customer authentication info

Education & Professional Development

Business Diploma, Seneca College, 1995 Anti-Money Laundering (annually since 2005) Web Lending / CWL training, 2011/12 Excel Basics - Course refresher, 2012 Branch Fulfillment Training – G2G, 2013 ALD (Auto Lending Decision), 2014 BFS (Business For-Self), 2017 Fundamentals of Leading with Emotional Intelligence, 2017 Indigenous learning 2021