Stephen Lowe is a senior transfer agent and team leader with extensive experience in client relations, communications, journalism, and radio presenting. He has over 15 years of experience working in customer service, data management, compliance, and journalism roles for companies like JP Morgan Chase, New Media Lux, and Ara City Radio. Currently he works as a Senior Transfer Agent and Registration Supervisor at JP Morgan Chase, where he provides customer support, handles complaints, trains staff, and ensures quality data collection and security.

1. Stephen Lowe
Tel: 0049 6500 917 582
Mobile:00352 661 406 580
Email: steps_lowe@hotmail.com
PROFILE
*Senior Transfer Agent / Team Leader
* Creative communications expert, journalist, editor and radio presenter with
extensive relationship management experience
* Strong experience in client/public-facing positions
* Well developed negotiation skills gained through managing sales,
partnership/sponsorship deals
EXPERIENCE
JP Morgan Chase
Transfer Agency – Registration: Agent Registration and Data Management Supervisor – Senior Shareholder Services
Representative (Jul 2016 – Current Date)
Shareholder Services
 Providinghelp and adviceto customersusingyour organisation'sproductsor services
 Communicatingcourteously with customersby telephone, email,letter and faceto face
 Investigatingand solvingcustomers' problems,whichmay becomplexor long-standingproblemsthathave
been passed on by customerserviceassistants
 Handlingcustomer complaintsor any majorincidents,suchasa security issueor fraudulentissues
 Analysingstatisticsor other datato determinethelevel of customer service provided
 Producingwritten information forcustomers,often involvinguseof computer packages/software
 Developingfeedback or complaints proceduresfor client(internal/external) use
 Improvingcustomer serviceprocedures,policiesand standards
 Meetingwith other managers to discusspossibleimprovements to customer service
 Beinginvolved in staffrecruitmentand appraisals
 Trainingstaff to deliver ahigh standard of customer service
 Leading/supervisinga teamof customerservicestaff
Data Management
 Formulationof techniquesfor quality datacollection to ensureadequacy,accuracyandlegitimacy of data
 Devising andimplementingefficientand secureproceduresfor data handlingand analysiswith attention to all
technical aspects
 Established rules and proceduresfor datasharingwith upper management,external stakeholdersetc
 Supportingothersinthedailyuseof data systems and ensureadherenceto legal and company standards
 Assistwith reports and data extraction when needed;
 Monitoringandanalyzinginformation anddatasystems - evaluatingperformance
 Ensuredigital databases and archivesareprotected fromsecurity breachesand data losses
 Troubleshootingof data-related problemsand authorizemaintenanceor modifications

2. Transfer Agency – Agent and Account Registration: Senior Administrator (Nov 2014 – Jan 2016)
 Carried outinvestor account/agentopeningand maintenanceinregistration tool
 PerformAML/KYC assessmentfor existingand newinvestors
 Resolution of assetmanager andinvestor’squeries
 Assumetheproductionof somedaily / monthly/ ad-hocreporting
 Ensuretheoverall client’s satisfaction
 Contributeto theon-boardingof newclients
 To review& check thedaily,weekly & monthly dealingactivity for variousFund Promoters
 To ensurethatall daily,weekly andmonthlyreportingisdelivered to Fund Promoterswithin agreed timeframe
as setoutwithin theServiceLevel Agreement(SLA) ;
 Ensureall work and taskscomply with approved policies,proceduresandcontrol routines applicableto all
employees and thosespecificto thedepartment;
 To implementand maintain appropriatecontrols within his/ her responsibility;
 Assistingand deputizing (asappropriate) for theTeamLeader in his / her absence,in termsof providingday to
day managementof theDealing& RegistrationTeam;
 Understand therisksassociated with thedealingandaccountservicesfunction;
Anti-Money Laundering Team - KYC/AML/Compliance: Administrator (Feb 2014 – Oct 2014)
 Investigated andassessed alertsrelatingto potential money launderingrisksin theorganization
 Displayed consistentability to organizeand analyzecomplex datasets
 Maintained skillsand knowledgeinlinewith current money launderingand terroristfinancingbehaviors,
issues,policies,regulations,criminal typologies,industry bestpractices,anddevelopingtrends
 Assisted in theidentifyingof potential weaknesses in processes,providingfeedback to managementconcerning
procedural andauditgaps
 Acted as a subjectmatter expertto employees/clients,providingguidanceon whatactionsto takein dealing
with high risk accounts –in which waspointof contactfor DueDiligencereview
 Handled andstructured developmenttrainingfor newemployees
 Ensureproper record-keepingof data collected and analyzed
Freelance Journalism/PR/Marketing
Various Contracts (Jan 2012 – Feb 2014)
 Business/Communications Writing: Regular work for MyOfficialStory (360CrossMedia) – Both online and
print content, including marketing and PR materials for high-profile, multinational clients such as Nordea
Bank; various Law Firms; Amazon; eBay; Deloitte; Paypal; Ikano Group; Kabam; PwC; Deloitte; Allinbox;
iTunes
 Scriptediting/proofing/subtitling for filmcompanies
ARA City Radio
Radio Presenter/DJ (Jan 2012 – Sep 2013)
 Returned to ARA City as Lunch-time DJ, with 2 hour daily slot(TheLunchtime Low(e)down)
 Relationship management with brand partners and advertisers, including event organization with third
party agencies
 Tasked with enhancing Ara City’s online presence via development of innovative content on company
website and on social networks
 Other duties as per 2003-2008

3. New Media Lux
Chief Editor '352LuxMag, News352.lu and 352LuxMag.lu' (2009 – 2012)
 Management of 6 staff members (3 Journalists,Graphic Designer,Sales Asst,Video Asst.)
 Direct responsibility for print, digital and online products (audio-visual): Business, community and cultural
content
 Extensive use of social networks (Facebook, LinkedIn etc) to promote 352, generate traffic, reach audiences
outsideLuxembourg and publicizepromos (i.ecompetitions,exclusives)
 Responsible for the planning and implementation of each weekly online magazine issue and daily online
newsletters/forums
 Represent NML atpress conferences and networking events
 Worked on continuous improvement initiatives, including strategy for enhancing look and feel of content
to attractcasual/existing/newsubscribers:Increased new subscribersby 33%on previous year (2009-2010)
 Revamped 352 LuxMag to appeal to students and younger audiences in addition to traditionally more
mature community readership. Identified new Point of Sale and free distribution outlets for increased
product visibility
 Negotiated deals (including numerous exclusivity agreements) with record labels, agents and tour
managers of international bands/pop acts to win interviews, photo rights, article content and reader
‘meet-and-greets’. Managed to beat national media competitors in winning exclusive interviews with
bands of worldwiderenown.
 Secured high-profile partnerships with renowned public bodies, commercial companies and charity
organisations for co-brandinginitiatives,including sponsorship deal with Vins Moselle to back 352’s weekly
‘Champagne or Cremant?’ lifestyle interview. Won and built long-term relationships with the senior
management of national music venues (Atelier & Rockhal), cinema groups (Utopolis, Utopia and Caramba)
and theatres (Philharmonie,Grand Theatre etc) to gain entertainment content and concert ticket prizes
 Weekly review meetings with advertising sales dept to agree magazine themes 6 months in advance and
build plan of attack to win relevant target advertisers (i.e. mobile network providers for telecoms issue, car
dealerships & manufacturers for Auto special etc) Personally won lucrative deals with Orange, Natural
History Museum, Little Gym, CFL and other smaller businesses spanningmultipleindustry sectors
 Monitored clicks and linking statistics in order to understand customer interest and adapt future content
accordingly to generate more traffic
 Create and drive traffic to discussion forums to gauge reader trends, patterns & interests and to provoke
intellectual debateof current affairs/news hotspots
 Liaise daily with technical teams to resolve tech issues; improve CMS structure & streamlining to enhance
customer experience
 Re-launched station.lu website (now 352luxmag.lu) under the 352 brand name to build a more tangible
link between the printed productand the digital platform
 Presented Board with detailed plan for responding to the challenges of a changing landscape in media
publication (digital vs.print)
New Media Group
Journalist and Co-Editor of ‘352 Magazine’ (2007 – 2009)
 Co-managed the weekly publication of ‘352’, a well-known Luxembourg news, culture and lifestyle
magazine targeted at the English-speaking community. Undertook both creative and investigative
journalism
 Responsible for weekly editorials, news features, cinema and concert previews/reviews, ‘What’s On’ guide
and other community-related or business articles
 Specialized in filmand music criticism,sports and events coverage
 Business development activities, including relationship-building with local & international businesses to
increaseadvertisingrevenue
 Enhanced 352’s brand,through activeparticipation in community events
 Conducted interviews with bands and other celebrities,country ambassadors,pol iticiansetc.

4. Ara City Radio
Radio Presenter/DJ (Part-time - in addition to 'day-job’ (2003 – 2008)
 Ran morningradio show- ‘Stephen ‘Steps’ Lowe’s Mid-MorningGlory’
 Covered on ad-hoc basis for breakfastand afternoon shows
 Business development activities, including negotiating partnerships with high profile sponsors and
advertisers
 Builtlargenetwork of community contacts and promoted Ara City Radio atexternal events
 Relationship-building with local and international bands (spanning diverse genres) to secure live radio
interviews
 Regular DJ-ing at community, corporateand charity events
 Recorded pod-casts
 Proposed a number of strategies for developing radio station's image (social networking, web-site
interactivity,blogs,Rockhal hour,record of the week, competitions etc).
JP Morgan Bank
Fund Accountant (2005 – 2007)
 Responsiblefor all areasof fund administration,supportingsomeof JPMorgan’s major clientgroups
Scottish Equitable International
Policy Accounts Manager (2004 – 2005)
 Reporting to FinanceManager- accounts administration
2004-2010: Freelance journalism in addition to full time roles- Regular music/cinema/lifestyle/travel features for
Velocity (VLM airline magazine); Luxuriant (Luxembourg cultural mag); Advantage Communications (Advertising
Agency)
Pre - 2004: Various roles (including part time student work) - bar management, film work, freelance journalism,
sports coaching
EDUCATION
Exeter University – England (1997 – 2000)
BA (HONS): Sports and Recreation Programmes with Leisure and Tourism Studies
Modules: Finance,Advertisingand Marketing, Psychology,Pedagogy in Practice,Biochemistry and Nutrition,
Community Action and Development, Advanced Sport Coachingand Leadership in Outdoor Adventure.
Bridgwater College – England (1995 – 1997)
BTEC NATIONAL DIPLOMA IN SCIENCE: Sports Science & A-Level General Studies
SKILLS
 English - Native language
 French & German - Basic
 Technical:MS Word, Excel, Access, PowerPoint
INTERESTS
 Keen rugby player – Captained Trier Rugbyand was Vice-Captain of Rugby Club Luxembourg 3 years running
and have representedLuxembourg’s nationalteamat 7s, 15s & Touchlevel.
 Music & Cinema
 Creative writing
 Business News
 International travel
 Charity/volunteer work with communitygroups, including sports coaching for children