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Josefa Ruiz has extensive experience in the banking industry, currently serving as Assistant Vice President and Branch Market Manager at Spring Bank NY since March 2016. In this role, Josefa oversees all branch operations, focusing on account management, client issue resolution, and staff development through coaching and performance management. Previously, Josefa held the title of Vice President and Branch Manager at PNC and RBC, where responsibilities included training staff in customer acquisition and successfully turning around underperforming branches. Early career contributions at Washington Mutual Bank and Citi included developing business relationships in Hispanic communities and significantly increasing new deposits. A graduate of Borough of Manhattan Community College, Josefa Ruiz possesses a strong leadership background and a proven track record in enhancing branch performance.