New To USA on H-1B–Important Things To Do

 

• Get Your Social Security Number and Card
  
• Start Building Your Credit History / Rating / Score - Bank Account – ATM/Debit and Credit Cards
  
• Job Hunting on H-1B Work Visa
  
• Preparing Your Resume / CV
  
• Create Dice Profile, Recruiter’s Response, Selecting Mobile Carrier, Billing and Package, Voice Mail Settings, Leaving Messages
  
• Understanding Employment Types and Tax Terms
  
• Preferred Vendor, Direct Client and Subcontracting
  
• Initial Screening, Telephonic and Face to Face Interviews
  
• Finding an Apartment on Rent
  
• International Driving Permit, Foreign Driver License, Interim Permit and Learner Permit

In USA on H-1B–First Thing First–Start Building Your Credit History or Credit Score

 

You need to open a Checking Account in a Bank. For those of you who are coming from Pakistan, what you call Current Account in Pakistan is called Checking Account in USA. To open a Checking Account you need your Original Passport and I-94. You will receive a Photo Debit Card, which you can use in ATMs, POS machines, Online Purchasing etc.

! Interest Alert ! Banks also have Saving Accounts which works on interest.

Similarly, you’ll have to apply for a Secure Credit Card. The only difference between a Secure Credit Card and a regular Credit Card is that you pay for your Credit Line in advance to safe the Bank from risk of defaulted payments. While in case regular Credit Card, Bank offers you a certain amount of Credit Line depending upon your Credit History or Credit Score. But, because you are new to USA and you don’t have any Credit History or Credit Score yet, so you have an option to “buy” your Credit Line for your “Secure” Credit Card. If you pay $2000, your Credit Line will be $2000, so on and so forth. Other than that, there’s no difference in a Secure and a regular Credit Card, both works exactly the same.

If you are short on money, than a minimum recommended Credit Line for a Secure Credit Card is $2000. Although, you can go for less than that too.

! Interest Alert ! In order to build your Credit History or Credit Score, you will have to do your purchases via Credit Card. So it is recommended to always synchronize your purchases with the amount you have in your Debit Card or Checking Account. Always, clear your Credit at the end of every month. Finally, if you are going through tough times and are short on money, stop using Credit Cards altogether, or you will be lost in the maze of interest with no outlet.

So what Credit Reporting/History/Score is?

Credit reporting is a system lenders use to decide whether or not to give you credit or a loan and how much interest they can charge you for it. Your credit report is based on the bills payments you have missed or been late paying, loans that you have paid off, plus your current amount of debt. A credit report contains information on where you work and live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. Consumer Reporting Agencies (CRAs) gather this information and sell it to creditors, employers, insurers, and others.

Based on the information in your credit report, lenders calculate your credit score so they can assess the risk you pose to them before they decide whether they will give you credit. The higher your score, the less risk you pose to creditors. Your score can range anywhere from 300-850.. Aiming for a score in the 700s will put you in good standing. A high score, for example, makes it easier for you to obtain a loan, rent an apartment, or lower your insurance rate.[Source – USA.GOV]

How to improve your Credit Score?

Make sure you get your apartment, car, utilities, telephone and services in your name and make sure you pay all your bills and rent on time.

Jobs Associate Developer / Systems Engineer - Manassas August 2012

Company Overview

SWIFT is a member-owned cooperative through which the financial world conducts its business operations with speed, certainty and confidence. More than 10,000 financial institutions and corporations in 212 countries trust us every day to exchange millions of standardised financial messages.

Our role is two-fold. We provide the proprietary communications platform, products and services that allow our customers to connect and exchange financial information securely and reliably. We also act as the catalyst that brings the financial community together to work collaboratively to shape market practice, define standards and consider solutions to issues of mutual interest.

SWIFT enables its customers to automate and standardise financial transactions, thereby lowering costs, reducing operational risk and eliminating inefficiencies from their operations. By using SWIFT customers can also create new business opportunities and revenue streams.

Job Description

SWIFT is a member-owned cooperative that provides the communications platform, products and services to connect more than 9,000 banking organizations, securities institutions and corporate customers in 209 countries. SWIFT enables its users to exchange automated, standardized financial information securely and reliably.

Would you like to join one of the key players of the financial industry?

You will join a team of highly skilled IT professionals, and have the opportunity to further expand your technical expertise while at the same time building a solid financial business understanding.

The successful candidate will be sensitive to quality, understand business needs, a strong team player and committed to deliver critical applications.

Job summary (Located in Manassas, VA):

Design, develop, test and maintain solutions to support SWIFT internal business processes mainly for IT, Sales, Marketing, Finance and HR divisions. We are looking for a graduate who could join our development team as of this summer. You will find a motivating work environment which will integrate you smoothly and where you will have plenty of opportunities to demonstrate all your personal and technical strengths.

Your responsibilities will be to:

Develop, implement, test and/or maintain detailed logic.

Gain understanding of customer requirements.

Contribute in the preparation of systems specifications, codes, tests, debugs, documentation, job controls, deliverables.

Discuss problems and possible solutions with more senior team members.

Maintain program libraries and technical documentation.

Provide technical assistance to other SWIFT colleagues in their daily work.

You will be involved in full back office products development cycle. Our products includes several ERPs, data warehouses, web applications, ... and touch upon all possible business processes at SWIFT (order to cash, business intelligence, Pre Sales, Financial, HR and logistic chain)

Job Requirements

Qualifications:

Bachelor’s degree in computer science or related field.

0-2 years of knowledge/ experience in C/C++/ Java programming, Shell Scripting, Database and Unix/Windows Environment

Strong analytical and communication skills

Any relevant professional experience an asset.

Must be authorized to work in the US.

We Offer:

Competitive salary and bonus with exceptional benefits /100% company paid Medical/Dental/Vision/Life Insurance

Excellent training and career development opportunities

Career Advancement

4 weeks paid vacation & 12 Holidays

Friendly, professional, stable working environment where one can grow in their career

Casual/Professional Environment

Tuition Reimbursement

Company Paid Gym Membership

Company Functions & Community Outreach Programs

SWIFT is an Equal Opportunity Employer

APPLY HERE TO JOBS!!

Jobs Senior Teller - Tucson July 2012

Jobs Descriptions
Provide leadership for the teller line to ensure efficiency and high quality member service.



ESSENTIAL FUNCTIONS:

• Present a professional, positive and friendly personality to ensure exceptional service.
• Direct teller line operations.
• Load and audit Teller Cash Dispensers (TCD’s).
• Perform required monthly cash and Traveler’s Check Audits.
• Create and monitor daily teller staffing schedules, accommodating pre-approved and non-scheduled time off requiring backup personnel.

• Assist Branch Manager with performance evaluations, DECA grade evaluations, and corrective action when necessary; handle basic conflict resolution under direction of Branch Manager.
• Evaluate and coordinate training needs of tellers; communicate effectively with Tellers to ensure a positive learning environment.
• Serve as positive role model and mentor tellers; motivate tellers to maximize performance.
• Ensure branch is supplied with appropriate amount of cash; order cash as needed.
• Coordinate daily balancing of ATMs; balance branch vault nightly; coordinate branch balancing nightly.
• Exercise good judgment when reviewing check holds and overrides.
• Perform all functions relating to teller duties.

OTHER DUTIES/RESPONSIBILITIES:

• Coordinate the processing of mail deposits and night depository.
• Handle currency buys and sells for all tellers.
• Ship out excessive coin and currency.
• Approve checks presented for deposit or cashing.
• Cross sell credit union products and services.
• Order supplies as necessary.
• Perform other related duties as required or needed.

KNOWLEDGE, SKILLS AND ABILITIES

• A working knowledge of teller operations.
• A strong knowledge of TFCU Policies, Procedures, Products and Services.
• Knowledge of the principles of member service and problem solving to include needs assessment, exceptional experiences and evaluation of member satisfaction.
• Knowledge of basic mathematical and their applications.
• Knowledge of the English language, sentence structure, proper grammar and spelling of words.
• Knowledge of the Microsoft Office Suite products and basic Internet browsing.
• Ability to operate a keyboard and 10 key calculator.
• Ability to provide input to Branch Manager regarding teller performance, hiring, firing, and corrective action.
• 
  
• ATTRIBUTES:
• Above average verbal and written communication skills; active listening skills.
• Ability to exercise judgment and initiative in dealing with members and employees.
• Ability to prioritize workflow and complete multiple tasks simultaneously and accurately.
• Ability to work with strict attention to detail.
• Possess a high level of problem solving skills.
• Present a professional business appearance in accordance with TFCU Dress Code Policy.

EDUCATION AND EXPERIENCE:
High school diploma or its equivalent preferred.

Minimum two years of financial institution experience.

Job descriptions are not intended and should not be construed to be exhaustive lists of all responsibilities, skills, efforts, and working conditions associated with a job. They are intended to be accurate reflections of those principal job elements essential for making fair pay decisions about the value of the job. This job description does not create or constitute the terms of a contract of employment, commitment, or guarantee of employment. TFCU is an “employment at will employer.”

Job Snapshot
Location : Tucson, AZ (Map it!)
Employee Type : Full-Time
Industry : Other Great Industries
Manages Others : Not Specified
Job Type : Banking
Finance
Education : High School
Experience : At least 2 year(s)
Post Date : 7/18/2012 Contact Information
Ref ID : 228

APPLY FOR JOB HERE

Job Bank Protection Officer – Armed (Part-Time) | MA - Boston July 2012

JOB DESCRIPTION

Provide visible deterrence of criminal activity at entrance of banking centers. Patrol multiple entrances. Observe and report.

JOB REQUIREMENTS

Candidates must meet the following basic qualifications for this position:
Pass any State-required training or other qualifications for licensing
Be at least 21 years old or minimum age required by the State
Be able to work flexible schedules
Have a high school diploma or foreign equivalent (e.g., GED)
Have access to reliable transportation
Not use illegal drugs. You must be able to pass a drug test with negative results (except when undergoing documented medical treatment).
Be able to pass an extensive background check, including criminal history, personal references, employment and education verifications, and Department of Motor Vehicle and credit checks if applicable
Pass a State licensing test if you will be driving a company-owned or client-provided vehicle
Be able to provide, upon job offer, a DD214 discharge document with discharge status indicated, if you were in the military
Be able to successfully complete all training required for the position
Be able to operate radio or telephone equipment
Demonstrate an ability to interact cordially and communicate with the public
Have 1 year prior security-related experience, law enforcement experience, or prior military experience with honorable discharge.
Pass the following, post-offer:
MMPI - Psychological testing
Physical Exams
EOE M/F/D/V

CHECKLIST: **When you come in person to fill out an application, please bring the following information with you.

* Seven years residential history*
* Five personal references that have known you for the last 7 years (including contact information)*
* Work history going back seven years*
* Names, addresses, and phone numbers of high school and post-secondary institutions you attended (or GED completion location)


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Teller - Part Time 25/hrs - Fashion Square, VA - CHARLOTTESVILLE

Teller - Part Time 25/hrs - Fashion Square at VA - CHARLOTTESVILLE. Our vision is to satisfy all our customers financial needs, help them succeed financially, be known as one of America's great companies and the number-one financial services provider in each of our markets.

Come Join Us.

Tellers are the face of our company and represent Wells Fargo in the community. A Teller position with our team offers an opportunity to be part of one of America s greatest companies. You ll have exposure to a variety of responsibilities, people and experiences in a professional work environment - that s part of the fun!

Our Expectation of our Tellers:
Tellers introduce customers to new products and services, and generate leads for other members of the sales team to close. Every teller has her/his own scorecard with goals. Our best tellers constantly go the extra mile to greet customers, make them feel welcome and also engage customers to learn about their financial needs. An excellent teller processes between 20-25 customer transactions each hour with no mistakes through patience, attention to detail, and the ability to follow procedures.

Every teller is responsible for maintaining and balancing a cash drawer. Under direct supervision, processes customer transactions within established guidelines. Identifies and makes sales referrals, recommends alternate channels, cross-sells bank services and products for Wells Fargo partners, provides excellent customer service. Duties may include safe deposit, merchant/vault, ATM processing, bonds and coupons, foreign currency and night drop.

At Wells Fargo, we have an outstanding diverse team. We want people who pitch in and help others without being asked and want team members who are committed to the success of the team. Tellers will develop and improve their skills through training programs and regular feedback discussions with supervisors, which will help further their professional experience and improve their chances for even greater roles in the future. A teller position is the start of something really big. With an organization the size of Wells Fargo, there is no limit to what a truly motivated person can become with a little dedication and time. Wells Fargo believes in developing people!


JOB REQUIREMENTS

* Basic Qualifications:
1+ years experience interacting with people or customers

* Minimum Qualifications:
Demonstrated skill in use of computers. Demonstrated ability to achieve individual and team goals. Positive approach in interactions with customers and team members. Reliable attendance. Good communication skills. Ability to work a schedule that includes working weekends and some holidays.
Please Note: To apply for this position, update your contact information (email and phone number) and upload your resume.
COMPANY OVERVIEW

Wells Fargo & Company is a diversified financial services company providing banking, insurance, investments, mortgage, and consumer and commercial finance through more than 9,000 stores and 12,000 ATMs and the Internet (wellsfargo.com and wachovia.com) across North America and internationally.

We’re headquartered in San Francisco, but we’re decentralized so every local Wells Fargo store is a headquarters for satisfying all our customers’ financial needs and helping them succeed financially. One in three households in America does business with Wells Fargo. Wells Fargo has $1.3 trillion in assets and approximately 275,000 team members across our 80+ businesses. We ranked fourth in assets and second in market value of our stock among our U.S. peers as of June 30, 2011. Our vision: “We want to satisfy all our customers’ financial needs and help them succeed financially.”

Learn More about Wells Fargo
Company website

JOB OVERVIEW

Company: Wells Fargo
Base Pay: N/A
Other Pay:
Employee Type: Part-Time
Industry: Banking - Financial Services
Manages Others: Not Specified
Job Type: Sales
Banking
Location: CHARLOTTESVILLE
Contact: Not Available
Phone: Not Available
Email: Send Email Now


APPLY JOB HERE

Personal Banker, VA - CHARLOTTESVILLE

Jobs Personal Banker (safe) 1 - Fashion Square.Our vision is to satisfy all our customers' financial needs, help them succeed financially, be known as one of America's great companies and the number-one financial services provider in each of our markets. Come Join Us.

As a Personal Banker, you will devote much of your day to building long term relationships with our customers in person and by phone. You will deepen the understanding of our customers financial needs and provide suggestions. While most of the job is performed in the stores, Bankers reach out into the community by placing outbound phone calls to existing clients, visiting businesses, conducting educational seminars, and being active in the community.

Our Expectation of our Personal Bankers:

Personal Bankers are expected to exceed challenging sales and referral goals by proactively selling products and services to customers and referring customers to other areas of the bank.

Personal Bankers sell retail banking products and services to customers and prospects. Manages customer portfolio, services relationships and cross-sells all products and services. Provides broad base of financial and credit services with the goals of acquiring 100% of the customers' business. Develops and maintains relationships with Wells Fargo partners to maximize sales opportunities and achieve minimum sales standards. Uses profiling analysis tools to identify cross sell opportunities and makes outbound sales calls typically by phone to increase product per customer ratio. May handle cash transactions. May spend up to 30% of time completing service-related tasks.

Every banker has their own scorecard with daily sales and referral goals. You will be rewarded for your success with bonus incentives beyond base salary. Our best Bankers constantly go the extra mile, finding ways to be helpful while still working quickly and efficiently. Bankers have the ability to resolve difficult customer situations effectively while delivering friendly customer service and ensuring the highest level of customer satisfaction.

At Wells Fargo, we have an outstanding diverse team. We want people who pitch in and help others enhance their ability to educate our customers. We ll provide outstanding training, but it s up to you to learn our products and services. Personal Bankers will develop and improve their skills through regular feedback discussions with supervisors and learn skills which will help further their professional experience and improve their chance for even greater roles in the future.

This position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.

JOB REQUIREMENTS

* Basic Qualifications:

1+ year experience selling products and services and 1+ year interacting with people or customers.

* Minimum Qualifications:

Demonstrated ability to achieve individual goals. Demonstrated skill in use of computers. Positive approach in interactions with customers and team members. Reliable attendance; excellent communication skills. Ability to work a schedule that includes working weekends and some holidays. This position requires S.A.F.E. registration at the time of employment. The Nationwide Mortgage Licensing System (NMLS) web site (mortgage.nationwidelicensingsystem.org) provides the MU4R questions and registration required for employment in this position.

Please Note: To apply for this position, update your contact information (email and phone number) and upload your resume

JOB OVERVIEW

Company: Wells Fargo

Base Pay: N/A

Other Pay:

Employee Type: Full-Time

Industry: Banking - Financial Services

Job Type: Sales

Banking

Reference ID: 3625743

Location: CHARLOTTESVILLE

Email: Send Email Now

APPLY NOW