Customer Service and Finance

1. ERNEST A. KROGER
23831 Forest View Drive
Land O’ Lakes, Florida 34639
(813) 760-2780 Cell
(813) 995-0189 Home
OBJECTIVE:
Customer Service position with emphasis on exceptional customer service and training.
SUMMARY:
Extensive Customer Service and Financial experience focused on internal and external customers.
Develop and support multiple relationships with institutional customers, banks and trading personnel.
Exceptional training and skills acquired and used in transition of Salomon Brothers from New York to Tampa.
EXPERIENCE:
ZENITH EDUCATIONGROUP, Tampa,FL 2011 - Present
Senior Financial Aid Representative,Re-entry
Conduct student financial interviews and counseling to ensure complete and accurate financing of educational
expenses. Provide needs analysis, financing documentation and award letters for re-enrolling students. Process
all documentation in compliance with Federal and State regulations and Company policies.
 Interact daily with students throughout all stages of the financial aid process to initiate, process,and
complete all required documentation.
 Provide status reports to management via shared worksheets and databases within all department deadlines.
 Determine Title IV aid eligibility using needs analysis software and online document verification.
 Meet continuous training requirements for Federal/State regulations of for-profit educational institutions.
SWEETBAYPHARMACY, Tampa,FL 2008 - 2011
Pharmacy Tech/Customer Service
Assist Pharmacist and staff to process high volume of prescriptions on a daily basis for customers. Receive daily
communications via telephone and fax from patients and doctor’s offices with requests and questions. Handle
cash,credit cards, and check payments using the cash register for all transactions.
DEPOSITORYTRUST & CLEARING CORP., Tampa,FL 2007 - 2008
Senior Analyst/Cash Research
Reconcile and resolve large volume and dollar amounts of Redemptions underpayments and overpayments.
Work with Cash Receipts, Reorganizations, and Announcements teams to research and analyze payment activity
and corporate actions details.
 Interact daily with Agent Banks, Trustees,Remarketers,DTCC’s New York teams and investment banks to
research outstanding redemptions, provide timely and accurate reporting, and resolve all outstanding issues.
 Provide input to management of daily progress, and assist supervisors with team activities.
 Trained three current employees on all aspects of my function for cross-training and coverage.
 Cross-trained in Cash Receipts and Voluntary Reorganizations for contingency purposes, continually
assisted team members with daily functions and attended training classes for client service.

2. CITIGROUP/CITIBANK, Tampa,FL 1999 - 2007
Client Services/Corporate Actions - Reorganizations
Work with an integrated Client Service Team to provide daily Cash,Corporate Actions and Income details to a
major municipals and equities institutional investments client for all of their existing accounts.
 Interact with Brokers, New York Office and depository and investment firms to reconcile client accounts,
provide timely and accurate corporate action notifications, and research client requests.
 Provide input to Technology groups in Tampa and NY,to automate corporate actions notifications to a new
SWIFT format.
 Dealt directly with Latin American offices in Spanish to perform the daily corporate actions functions.
WILLIAM P. MARTIN, CLU,RFP, AEP,Tampa,FL 1998 - 1999
Mutual Service Corp/Manager ofInvestment Services
Work with an independent Registered Financial Planner in the investment area to service client accounts.
 Interact with Broker Dealers,Home Office and investment firms to reconcile client accounts,verify account
status, facilitate client service requests, and research marketing materials.
 Research investment performance data and illustrations to prepare proposals using various sources.
 Help advisor to plan meetings and presentations with clients to provide investment and life insurance
recommendations.
SALOMON BROTHERS INC.,New York,NY/Tampa,FL 1985 - 1998
Research Analyst, Corporate Team (1996 -1998)
Research,input and maintain corporate securities in the firm’s database. Perform interest and principal
calculations on emerging market and exotic securities products for trading systems.
Banking/Funding Specialist, Corporate Team (1993 - 1996)
Reconcile bank loans, tri-party funding and letters of credit, for daily financing in excess of $4 billion.
Collateralize daily bank loan trades and transmit documentation to banks and finance desks.
Senior Commodities & Banking Associate,Commodity Operations (1985 - 1993)
Reconciled and margined on a daily basis the accounts of many large institutional customers, as well as internal
corporate bank accounts. Delivered and received Treasury securities for Salomon customer and firm accounts.
EDUCATION:
M I T Cambridge, MA. Computer Programming/Technology, Mathematics, Physics, Spanish / Air Force ROTC
Scholarship, U.F.T. College Scholarship.