Rob Toffoli

Experience

• 

  ARC Accounts Recovery Corp

  Jan 2002 - Aug 2003

  Collections Officer

  ∎ Negotiated loan repayment with customers, exploring all options and approaches for bringing delinquent balances into good standing. Determined appropriate corrective action on a case-specific basis. Conducted financial reviews to determine government relief eligibility.∎ Developed and maintained procedural manual for new employees, examining negotiation strategies, regulatory changes and legal responsibilities. Launched The ARChive, a monthly staff newsletter celebrating individual success stories and tips.∎ Generated the highest revenue over target company-wide in February 2002 (237%), and continued to earn the most revenue of any Royal Bank student loan collector every month thereafter. Assisted in securing a 25% allotment of first-assigned loans for the company, and increased this to 50% by maintaining resolution rates superior to the competition. Show less

• 

  Scotiabank

  Sept 2003 - May 2010

  Financial Advisor

  ∎ Drafted and implemented financial plans customized to individual objectives and circumstances, with an emphasis on life cycle analysis, cash flow projections, future value calculations, and tax efficiency.∎ Examined portfolio composition, comparing current and recommended asset allocations. Prepared investment transfer documentation, monitoring transfers in-kind for accuracy. Processed such account activity as GIC purchases and withdrawals, credit limit increases, pre-authorized payment instructions, and registered plan contributions.∎ As alternate branch compliance officer, reviewed all mutual fund transactions for compliance, and audited previously flagged files for adequate follow-up and completeness. Served as branch liaison with Scotia McLeod wealth management representatives.∎ Coached junior members of sales team with investment conversations and rebalancing strategies. Prepared and delivered skill building sessions for staff, as well as marketing material for branch campaigns and information seminars for prospective clients. Participated in Junior Achievers program, teaching basic finance to grade 5/6 students. Show less

• 

  Self-Employed

  Sept 2010 - Oct 2015

  Private Trader/Portfolio Administrator

  ∎ Administered a relative valuation trading system bases on the strategies of highly successful hedge funds, executing discretionary trades in response to variances within the defined price ranges of target sectors. Monitored daily equity price fluctuations, distinguishing between medium and long-term price trends through an examination of technical indicators and volume. Assessed risks to potential positions, determining the appropriate hedge controls and/or stop-loss orders.∎ Examined holdings of top-tier mutual fund portfolios to identify significant changes in industry favor, researching industry reports, analyst projections, and earnings trends, to best assess and anticipate market movement. Performed basic accounting functions, implementing a filtered Excel database to coordinate open exposures and closed positions. Show less

• 

  National Bank of Canada

  Dec 2015 - Jun 2017

  Personal Banking and Small Business Advisor

  Managed list of assigned clients, maintaining accountability for client satisfaction and complaint resolution while maximizing opportunities to cross-sell and further strengthen relationships.  Reviewed credit applications in accordance with prescribed stress-test criteria, including debt servicing ratios and risk profiles, advocating a selection of prior declines for external adjudication when warranted. Compiled and assessed debt and income verification documents, distinguishing between various salary and bonus structures, for the preparation of budget and consolidation recommendations.  Advised clients on the tax impacts of registered accounts on retirement and education savings plans. Determined appropriate packages for sole proprietor and corporate accounts based on accessibility preferences and potential financing needs. Processed such account activity as GIC purchases and withdrawals, credit limit increases, pre-authorized payment instructions, and registered plan contributions. Assisted service team with day’s end clearing, including the reconciliation of credit/debit memos. Show less

• 

  Scotiabank

  Apr 2018 - now

  • Small Business Account Manager

    Jun 2021 - now

  • Senior Financial Advisor

    Apr 2018 - May 2021