Ibrahim Kargbo
Lowell
Summary
Dynamic banking professional recognized for driving a 50% increase in branch sales through strategic coaching and operational efficiency. Proven track record of maintaining 100% goal attainment for 10 consecutive quarters, enhancing customer service and team performance in a collaborative environment.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Relationship Banker
Chase Bank
Chelmsford
02.2026 - Current
- Conducted needs assessments to recommend customized financial solutions, ensuring alignment with client goals.
- Collaborated with team members to streamline operations, enhancing customer experience through efficient service delivery.
- Participated in meetings with bankers to share best practices for effective relationship building, fostering a collaborative learning environment.
- Completed Finra SIE Exam to gain foundational knowledge in securities industry.
Store Supervisor
TD Bank
07.2022 - Current
- Drove a 50% increase in overall branch sales goals year by year executing targeted referral campaigns and leading by example in the lobby.
- Averaged 50+ credit card applications per quarter, ranking in the top quartile statewide for Td bank Mass.
- Surpassed deposit-growth targets by 190% driving more than 1 million in new balances through relationship building and proactive follow ups.
- Generated record high wealth referrals, consistently leading the district and maintaining 100 percent goal attainment for 10 consecutive quarters.
- Collaborated directly with financial advisors and business relationship managers to deliver financial solutions, retirement, investment, and business lending.
- Coached a team of 12+ tellers and bankers focused on sales confidence, compliance, and conversational excellence; achieved 80% referral participation across staff.
- Led daily huddles and weekly performance clinics using pipeline dashboards to boost accountability and product knowledge.
- Mentored new bankers into consistent top performers.
- Fostered a competitive yet supportive culture grounded in ethical sales, data driven goals and peer recognition.
Teller Manager
TD Bank
05.2021 - 07.2022
- Oversaw daily branch operations and cash controls averaging millions in transactions per week, ensuring 100% compliance with TD Bank and federal audit standards.
- Supervised and developed team of 8-10 tellers, leading weekly performance huddles that enhanced sales, accuracy, and client conversation quality.
- Delivered one on one coaching that elevated underperforming staff to meet goals within two months, promoting three employees to platform roles.
- Achieved 95% staff retention by fostering culture of recognition, growth, and collaboration.
- Streamlined scheduling, cash ordering, and dual control procedures, improving operational efficiency across multiple locations in Merrimack Valley Region.
- Partnered with store manager and regional operations officer to prepare and complete quarterly internal audits with zero exceptions.
- Ensured strict adherence to Reg CC, BSA/AML, CTR and OFAC requirements, recognized by compliance for exemplary documentation and accuracy.
Senior Service Associate
M&T Bank
04.2019 - 05.2020
- Referred over 30 high net worth clients to financial advisors with assets of 1 million dollars and over.
- Partnered with licensed relationship bankers and financial advisors to identify and refer clients for tailored investment, insurance, and retirement planning solutions, enhancing client satisfaction and engagement.
- Educated clients on wealth-building options including mutual funds, IRAs, and annuities, fostering financial literacy and increasing cross-sales opportunities.
- Consistently exceeded monthly credit card referral and activation goals across multiple branches, ranking in the top 3 every quarter among float associates.
- Applied a consultative sales approach. Identifying client spending habits and recommending tailored credit solutions (cash back, travel rewards or business cards).
- Proactively educated clients on credit utilization, balance transfer benefits, and responsible borrowing, reinforcing ethical banking.
- Maintained a strong compliance record by ensuring all credit card disclosures, eligibility checks, and application processes were completed accurately.
Education
Associate of Science - Information Technology
Howard Community College
Columbia, MD06-2026
High School Diploma -
Reservoir High School
Fulton, MD05-2014
Skills
- Customer relationship management
- Cross-selling techniques
- Account closings
- Client onboarding
- Customer onboarding
- Client education
- Financial analysis
- Financial planning
- Risk assessment
- Transaction monitoring
- Compliance adherence
- Recordkeeping
- Documentation management
- Microsoft Office
- Banking software
- Project management
- Team leadership
- Client support
- Client meetings
- Documentation
- Documentation
Certification
- finra SIE
- FINRA SERIES 63
Timeline
Relationship Banker
Chase Bank
02.2026 - Current
Store Supervisor
TD Bank
07.2022 - Current
Teller Manager
TD Bank
05.2021 - 07.2022
Senior Service Associate
M&T Bank
04.2019 - 05.2020
Associate of Science - Information Technology
Howard Community College
High School Diploma -
Reservoir High School