Fleet Bank/Bank of America
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Fleet Bank/Bank of America Employees
Executive Office of Labor & Workforce Development/Department of Career Services August 2014 - Present
Quincy College April 2014 - August 2014
Executive Office of Labor & Workforce Development/Department of Career Services November 2013 - July 2014
Boston South Women's Employment Network July 2013 - December 2013
Plymouth Career Center - VET NET August 2012 - November 2013
Bank of America September 2005 - March 2012
Bank of America January 2005 - August 2005
Bank of America September 2004 - December 2004
Fleet Bank/Bank of America May 2002 - August 2004
Fleet Bank September 1999 - May 2002
Skills
Leadership Development, Coaching, Training, Career Development, Workshop Facilitation, Public Speaking, Organizational..., E-Learning, Career Counseling, Team Building, Leadership, Conflict Resolution, Job Coaching, Staff Development, Customer Service, Needs Analysis, Instructional Design, Program Management, Human Resources, Time Management, Management, Customer Satisfaction, Employee Training, Performance Management, Customer Experience, New Hire Orientations, Team Leadership, Data Analysis, Project Management, Recruiting, Change Management, Employee Relations, Organizational..., Resume Writing, Training Delivery, Microsoft Excel, Microsoft Word, Microsoft Power Point, SharePoint, Live Person, Live Meeting, Performance Improvement, Compliance, Teamwork, Software Documentation, PowerPoint, Networking, Interviews, Sales, Process Improvement
Education
Bridgewater State University 1994 — 2002
BA, Communication Arts, Public Relations Concentration
Quincy College 2014 — 2015
Certificate, Human Resources Management/Personnel Administration, General
TD Bank April 1997 - February 2012
Fleet Bank January 1989 - September 1996
Fleet Bank/Bank of America October 1977 - September 1996
Skills
Performance Consulting, Employee Relations, Performance Management, Succession Planning, Employee Engagement, Talent Management, Onboarding, Human Resources, Workforce Planning, Interviews, Coaching, Recruiting, Leadership Development, Talent Acquisition, Employee Training, Training Delivery, Organizational..., Career Development, Organizational..., Employee Benefits, Executive Coaching, Organizational Design, Training, Conflict Resolution, Management Development, Deferred Compensation, Workshop Facilitation, HRIS, New Hire Orientations, Executive Search, HR Policies, Benefits Administration, College Recruiting, Personnel Management, Applicant Tracking..., Team Building, Leadership
Education
Husson University 1980 — 1985
Business
Edward Little High School 1961 — 1964
Diploma
The Dime Bank 2009 - Present
Business Builders 1990 - Present
Citizens Bank 2004 - 2009
Fleet Bank/Bank of America 1999 - 2004
Maid Daily Services, Inc. 1986 - 2000
Skills
Commercial Lending, Commercial Banking, Loans, business development, Banking, Small Business Lending, Credit Analysis, Lines Of Credit, Portfolio Management, Commercial Mortgages, Underwriting, Public Speaking, Business Development
Education
Thomas Edison State College
Greenfield Community College
Milford High School, Milford, CT
The Master Negotiator - Negotiation consulting, coaching and speaking February 2011 - Present
The Master Negotiator - Negotiation Consulting, Coaching and Speaking July 2009 - Present
The Master Negotiator - Negotiation Consulting, Coaching and Speaking January 2000 - Present
Master Negotiator - Negotiation coaching, consulting and speaking July 1994 - Present
Master Negotiator - Negotiation Coaching, Consulting and Speaking September 1993 - Present
Master Negotiator - Negotiation Coaching, Consulting, and Speaking February 1993 - Present
Master Negotiator - Negotiation Coaching, Consulting and Speaking January 1993 - Present
Master Negotiator - Negotiation Coaching, Consulting and Speaking January 1993 - Present
Master Negotiator - Negotiation Coaching, Consulting and Speaking January 1992 - Present
Fleet Bank/Bank of America January 2001 - December 2005
Skills
Negotiation, Contract Negotiations, sales negotiation, Negotiation Training, negotiating, Negotiating Contracts, Strategic Negotiations, negotiation strategies, reading body language, Body Language, Persuasion Skills, negotiation skills, negotiation tactics, Government Negotiations, Body Language Expert, Negotiation Consultant, Body Language Consultant, Negotiation Strategies, Negotiation Assistance, TV News Contributor, Leadership, Marketing Strategy, Strategy, Contract Negotiation, Selling, Management, Networking, Coaching, Small Business, Customer Service, Entrepreneurship, Team Building, Budgets, Government, Interviews, Sales, Personal Development, Online Marketing, Business Planning, Business Strategy, Management Consulting, Workshop Facilitation, Leadership Development, Training, Blogging, Purchasing, Strategic Planning, Strategic Partnerships, Business Development, Real Estate Transactions
Education
Penn State University
BBA, Business, Computer Science
Temple University
Business
Bank of America June 2013 - Present
Bank of America / Fleet Bank December 2011 - June 2013
Bank of America July 2010 - December 2011
Western States Region November 2008 - July 2010
Bank of America August 2004 - November 2008
Fleet Bank/Bank of America August 2003 - August 2004
MBNA America September 1996 - July 2003
Skills
Banking, Credit, Loans, Retail Banking, Consumer Lending, Commercial Banking, Mortgage Lending, Credit Cards, Small Business Lending, Credit Analysis, Risk Management, Commercial Lending, Cross Selling, Portfolio Management, Credit Risk, Relationship Management, Mortgage Banking, Customer Experience, Process Improvement, Financial Risk, Leadership
Education
University of Maine 1992 — 1996
BS, Economics
Colorado State University 1990 — 1991
BS, Economics
GNG High School 1986 — 1990
EnableSoft, Inc. October 2013 - Present
Regal Palms Resort & Spa Management, LLC January 2009 - October 2013
FL Notary Consolidated Resorts January 2008 - January 2009
Bank of America January 2005 - January 2008
Bank of America January 2003 - January 2005
Fleet Bank/Bank of America January 2000 - January 2003
Skills
Customer Service, Microsoft Excel, Banking, Accounts Receivable, Management, Payroll, Invoicing, Accounting, Leadership, Sales, Troubleshooting, Spreadsheets, Microsoft Word, Budgets, Financial Statements, Inventory Management, Team Building, Process Improvement, Account Management, Strategic Planning, Microsoft Office, Business Analysis
Education
ITT Technical Institute-Lake Mary 2009 — 2012
Associate of Science, Computer Network Systems, 3.79 GPA
Smithfield High School
tufts health plan September 2004 - Present
Fleet Bank/Bank of America August 1997 - September 2004
John Hancock December 1985 - July 1997
Skills
Talent Management, Insurance, Staffing Services, Business Networking, Human Resources, Strategy
Education
Regis College 1974 — 1978
Lyons National Bank February 2009 - Present
First Niagara Bank June 2007 - February 2009
Fleet Bank/Bank of America July 2000 - December 2006
Skills
Credit, Commercial Lending, Financial Analysis, Loans, Banking, Mortgage Lending, Customer Service, Consumer Lending, Management, Commercial Real Estate, Marketing, Commercial Banking, Sales, Mortgage Banking, Credit Analysis, Underwriting, Small Business Lending, Portfolio Management, Loan Origination, Credit Risk, Refinance, Finance, Construction Loans, Sales Management, Lines Of Credit, Small Business, FHA, Relationship Management, Financial Risk
Education
State University of New York College at Brockport
BA, Business Management
TD September 2014 - Present
TD June 2013 - September 2014
Bank of America June 2012 - June 2013
Bank of America April 2012 - June 2012
Bank of America May 2010 - May 2012
Bank of America March 2009 - May 2010
Bank of America August 2008 - June 2009
Bank of America June 2006 - June 2008
Bank of America August 2002 - June 2006
Fleet Bank/Bank of America September 1996 - August 2002
Skills
Data Center, ITIL, Process Improvement, Business Strategy, Unix, Testing, Integration, Cross-functional Team..., IT Strategy, Business Analysis, Vendor Management, Project Management, Security, Mergers & Acquisitions, System Administration, Software Development, SOA, Infrastructure, Banking, Architecture, System Deployment, Negotiation, Information Technology, Programming, Storage, Engineering, Management, Pre-sales, Project Portfolio..., Leadership, Service Delivery, Sales, Governance, Budgets, Risk Management, Operating Systems, SDLC, Project Planning, Enterprise Architecture, Business Intelligence, Disaster Recovery, System Architecture, Hardware, Team Management, Software Project...
Education
Union College 1985 — 1989
BS/MS, Computer Science
Amsterdam High School
HSBC Bank USA February 2013 - Present
Capital One Bank January 2009 - October 2012
North Fork Bank July 2004 - December 2008
Fleet Bank/Bank of America 2003 - 2004
Community Banking 1996 - 2003
Manufacturers Hanover Trust Company July 1981 - September 1993
Federal Reserve Bank of New York June 1974 - July 1981
Education
Iona College
Master of Business Administration (MBA), Finance and Economics
Iona College
Post Masters Certificate, Production and Operations Management
Thiel College
Bachelor of Arts (B.A.), Business Administration and Management, General
Vemma February 2011 - Present
JC Penney March 2014 - Present
JC Penney 2010 - Present
Fleet Bank/Bank of America September 1999 - October 2009
First DeWitt Savings & Sovereign Bank 1988 - 1999
Skills
Coaching, Team Building, Direct Sales, Small Business, Wellness, Social Networking, Entrepreneurship, Leadership Development, Personal Development, Leadership, Customer Service, Marketing, Public Speaking, Training, Teaching
Education
Institute of Financial Education
Business and Management
Middlesex County College
Business, Psychology
NYC Department of Education 2005 - Present
BRAINFUSE September 2008 - June 2010
Brienza's Educational Advantage September 2008 - June 2009
Fleet Bank/Bank of America 1998 - 2005
Skills
Curriculum Design, Spanish, Instructional Design, Curriculum Development, Public Speaking, Classroom, Lesson Planning, E-Learning, Teaching, Classroom Management, Staff Development, Differentiated..., Educational Leadership, Educational Technology, Literacy, Teacher Training, Tutoring
Education
College of Mount Saint Vincent 2007 — 2008
M.S., Multicultural and Urban Education
Universidad de Puerto Rico 2002 — 2002
Musica, arte, literatura, bailes de Puerto Rico
State University of New York College at Buffalo 1994 — 1999
B.A., Modern and Classical Languages, Psychology
Universidad de Salamanca 1998 — 1998
Lenguaje Espanol
Keller Williams Real Estate Coral Springs Florida May 2015 - Present
Brown Harris Stevens February 2014 - Present
Citi Habitats January 2013 - September 2013
Citi Habitats February 2011 - January 2013
Apple Inc. October 2009 - December 2010
Washington Mutual/JPMChase April 2007 - January 2009
NYSAFFAH January 2000 - January 2009
NY Housing Conference January 2000 - December 2008
Banc of America Securities March 2005 - March 2007
Fleet Bank/Bank of America February 1995 - February 2005
Skills
Management, Loans, Marketing, Real Estate, Sales, Relationship Management, Credit, Investments, Investment Properties, Nonprofits, Residential Homes, Banking, Real Estate Economics, Business Development, Finance, Real Estate Development, Real Estate Transactions, Negotiation, Risk Management, Strategy, Leadership, Start-ups
Education
Amherst College 1977 — 1981
Bachelor of Science (BS), Finance
Amherst College 1976 — 1981
Bachelor's Degree, Business Administration
New York University
Colgate University February 2006 - Present
Bank of America September 1997 - September 2006
Bank of America 1996 - 1997
Fleet Bank/Bank of America 1994 - 1996
Fleet Bank 1992 - 1994
Skills
Student Affairs, Event Planning, Higher Education, Microsoft Office, Research, PowerPoint, Marketing, Microsoft Publisher, MSQuery, Crystal Reports, iModules, Microsoft Excel
Education
Mohawk Valley Community College 1986 — 1988
Data Processing, 3.0
Waterville Jr. - Sr. High School 1976 — 1980
High School, Accounting and Business/Management, 3.2
CoachingAssociates, LLC 2006 - Present
NJ Professional Coaches Association 2007 - 2010
NJ Small Business Development Center 2003 - 2005
Fleet Bank/Bank of America 1994 - 2002
ITT Sheraton 1987 - 1990
AT & T 1984 - 1987
Xerox 1980 - 1984
Skills
Coaching, Life Planning, Leadership Development, Time Management, Public Speaking, Life Coaching, Small Business, Leadership, Marketing, New Business Development
Education
Seton Hall University School of Law 1978 — 1980
Law
Rutgers University-New Brunswick 1974 — 1978
B.A., Political Science
Bank of America July 2004 - Present
Fleet Bank/Bank of America June 1998 - July 2004
Knolls Atomic Power Laboratory November 1995 - June 1998
General Electric - Global Research November 1977 - November 1995
Skills
Collaboration Software, Social Media, Rich Media & Video, Enterprise Architecture, IT Strategy, Process Improvement, Rich Media, Collaboration, Program Management, Vendor Management, Enterprise Software, Software Documentation, Databases, Business Process, Management
Education
Union College 1991 — 1997
BS, Computer Science
Union College 1991 — 1997
MS, Computer Science
Travelers September 2013 - Present
Lincoln Financial Group June 2011 - September 2013
Lincoln Financial Group June 2011 - September 2013
Aetna October 2010 - June 2011
Aetna Life & Casualty May 2006 - June 2011
Lincoln Financial Group October 2004 - May 2006
Fleet Bank/Bank of America November 1999 - June 2004
CIGNA May 1994 - 1999
Skills
Recruiting, Sourcing, Career Development, Diversity & Inclusion, Applicant Tracking..., College Recruiting, Talent Acquisition, Resume Writing, Onboarding, Employee Relations, Temporary Placement, Leadership, Workforce Planning, Benefits Administration, Internet Recruiting, Interviews, Networking, Employee Engagement, Human Resources, Coaching, Leadership Development, Personnel Management, Performance Management, HR Consulting, Organizational..., Hiring, Strategy
Education
Central Connecticut State University
Leona M. and Harry B. Helmsley Charitable Trust March 2010 - Present
Rockefeller Philanthropy Advisors November 2005 - March 2010
Fleet Bank/Bank of America 1999 - 2004
Skills
Program Management, Strategy, Non-profits, Grants, Program Development, Philanthropy, Fundraising, Nonprofits, Corporate Social..., Community Development, Board Development, Program Evaluation, Grant Writing, Capacity Building, Management, Volunteer Management, Strategic Planning, Public Speaking
Education
Fordham Gabelli School of Business 1996 — 1999
MBA, Management
Fairfield University 1985 — 1989
B.A., History
Javen Technologies, Inc. April 2014 - Present
Dr.Bhasin's Clinic June 2006 - April 2013
CBAY Transcription Services Inc 2010 - 2011
Edictate IT Solutions 2008 - 2010
E-Dictate IT Solutions November 2008 - April 2009
Soviasoft Technologies 2007 - 2008
Fleet Bank/Bank of America 2003 - 2005
Chinar Software Exports 1998 - 2000
Sadhu Vaswani Mission February 1993 - May 1996
Skills
Allergy, Homeopathy, Migraine, Arthritis, Training, Quality Assurance, Business Analysis, Medical Billing, Medical Transcription, Technical Recruiting, Patient Counseling, Customer Service, Leadership, Risk Management, Soft skilss, Business Organizational..., Problem Solving, Team Building, Client Relations Skills, Business Communications, Followup and..., Positive Team Player, Healthcare, Management, Vendor Management, Consulting
Education
University of Pune 1987 — 1993
BHMS, Homeopathic Medicine/Homeopathy, A
St. Mary's High School, Pune, India
United Way of Rhode Island November 2007 - December 2009
Crossroads Rhode Island October 2004 - November 2007
FLEET BANK/Bank of America January 1998 - January 2004
President of Investments Products and Services January 1996 - January 1998
Bank of Boston January 1993 - January 1996
MULTIBANK FINANCIAL CORP January 1983 - January 1993
FLEET January 1979 - January 1983
Education
D'Amore-McKim School of Business at Northeastern University 1971 — 1973
MBA, Business Management
Northeastern University 1966 — 1970
BS, Business Admin
New York State Gaming Commission September 2014 - February 2015
Genesys Consulting March 2014 - September 2014
New York State Information Technology Services November 2006 - February 2014
Fleet Bank/Bank of America August 1997 - May 2005
Skills
SQL, Software Documentation, Microsoft Office, Business Analysis, Java, HTML, Customer Service, Program Management, Change Management, Requirements Analysis, Strategic Planning, Team Leadership, XML, Microsoft Excel, Analysis, SharePoint, COBOL, CICS, SDLC, System Testing, System Administration, Linux, Software Development, Event Planning, Public Speaking, Testing, Process Improvement, Software Project..., JCL, Mainframe, Agile Methodologies, Business Process..., Visio, Microsoft SQL Server, JavaScript, Management, Easytrieve, User Acceptance Testing, IT Analyst, Training Delivery, Presentations, Experienced Speaker, Programming, Analysis,..., MS Visio, MS Office, PHP, Web Design, System Analysis, Project Planning, Web Content Management
Education
State University of New York Empire State College
Bachelor of Science (B.S.), Business Management and Economics, with a concentration in Information Systems, 3.67
Hudson Valley Community College
Associates in Applied Science
First Niagara Financial Group September 2015 - Present
First Niagara Bank January 2009 - September 2015
First Niagara Bank June 2005 - January 2009
HSBC June 2004 - June 2005
Fleet Bank/Bank of America January 1994 - June 2004
Skills
Leadership, Business Strategy, Loan Structuring, Business Valuation, Commercial Banking, Credit Analysis, Financial Analysis, Portfolio Management, Capital Structure, Sales Process, Strategic Sales, Small Business Lending, Commercial Lending, Loans, Finance, Investments, Estate Planning, Banking, Financial Structuring, Credit, SBA, Mortgage Lending, Business Development, Small Business, Risk Management, Strategic Planning, New Business Development, Management, Financial Risk
Education
Syracuse University 1989 — 1994
MA, Economics
State University of New York College at Oneonta 1985 — 1989
BS, Economics
Bank of America September 2012 - Present
Newtown Savings Bank January 2011 - February 2012
Community Economic Development Fund (CEDF) September 2009 - December 2010
Bank of America September 2005 - February 2009
Transition 2009 - 2009
Fleet Bank/Bank of America March 1994 - September 2005
Connecticut Bank & Trust/Fleet Bank September 1988 - February 1994
Skills
Training Skills, Training Delivery, Presenter, Customer Satisfaction, Community Relations, Sales Coach, Sales, Training, Loans, Mortgage Lending, Community Development, Credit, Business Development, Management, Banking, Commercial Banking, Retail Banking, Portfolio Management, Financial Services, Financial Risk, Commercial Lending, Small Business Lending
Education
Sacred Heart University 1994 — 1996
Masters, MBA
Fairfield University 1984 — 1988
BS, Marketing
Trumbull High School 1981 — 1984
Diploma, College Prep
Brooks Eckerd Pharmacy 2005 - 2007
The Children's Place 2004 - 2005
Blue Cross & Blue Shield of Rhode Island 2002 - 2003
Putnam Investments 1997 - 2001
Fleet Bank/Bank of America 1994 - 1997
Fleet Bank 1990 - 1994
Skills
Office Management, Management, Leadership, Finance, Banking, Financial Services, Cash Management, Human Resources, Microsoft Office, Accounting, Bookkeeping
Education
Providence College
M.B.A., Management
Rhode Island College
B.S., Management
Greater Grove Hall Main Streets August 2013 - Present
One United Bank March 2013 - Present
Be@nwood Productions 2009 - Present
Boston Area Church League, Inc. March 2003 - Present
RHEMA Magazine April 2012 - December 2014
Urban College of Boston January 2012 - August 2013
Action for Boston Community Development September 2009 - June 2012
Sovereign Bank June 2006 - July 2008
Fleet Bank/Bank of America November 1992 - March 2005
Skills
Public Speaking, Leadership, Leadership Development, Non-profits, Event Planning, Nonprofits, Strategy, Analysis, Marketing, Training, Organizational..., Community Outreach, Grants, Staff Development, Volunteer Management, Sales, Fundraising, Management, Public Relations, Strategic Planning, Workshop Facilitation, Team Building
Education
Cambridge College 2006 — 2009
Master of Management, Business
New England College of Business and Finance
Accounting and Finance
Northeastern University
Sociology
Webster March 2013 - Present
Webster Bank January 2004 - Present
Fleet Bank/Bank of America October 1986 - September 2004
Skills
Commerical Portfolio..., Financial Analysis, Credit Analysis, Risk Assessment, Underwriting, Loans, Portfolio Management, Commercial Lending
Education
Fleet Bank Commerical Credit Training 1997 — 1998
Financial Analyis - Underwriting
Eastern Connecticut State University 1994 — 1995
BS, Business/Finance, Magna Cum Laude
Valley National Bank May 2010 - Present
Banking May 2010 - Present
HSBC Bank October 2005 - May 2008
Sovereign Bank/ Investment Services May 2005 - September 2005
Banc of America Investment Services, Inc. July 2004 - May 2005
Fleet Bank/Bank of America February 1999 - May 2005
Quick & Reilly, Inc January 2001 - January 2004
FleetBoston Financial January 1999 - January 2001
Education
Kean University
B.S, Accounting
Kean University
Manulife Asset Management December 2013 - Present
H&R Block January 2010 - June 2013
Bank of America April 2004 - November 2011
Fleet Bank/Bank of America September 1996 - March 2004
Skills
Administrative..., Process Scheduler, System Administration, Microsoft Word, Administrative Support, Outlook, Excel, Word, PowerPoint, Confidentiality, Administration, Scheduling, Microsoft Office, Time Management, Budgeting, Visio, Data Entry, Expenses, Teamwork, Problem Solving, Tax, Typing, Event Planning, Shorthand, Bookkeeping, QuickBooks, Accounting, Microsoft Excel
Education
Millennium Training Institute 2012 — 2013
Certificate, Business Administration & Bookkeeping
Katharine Gibbs School, Boston
Business Administration
Tokyo Woman's Christian University
Bachelor's degree, English & American Literature
BB&T September 2013 - Present
Bank of America April 2010 - May 2013
Fleet Bank/Bank of America September 1998 - March 2010
First Union/CoreStates Bank November 1992 - August 1998
Skills
Banking, Commercial Real Estate, Relationship Management, Commercial Lending, Loan Origination, Finance, Portfolio Management, Loan Work-outs, Credit Analysis, Cross Selling, Real Estate Financing, Underwriting, Treasury Management, Commercial Banking, Credit, Financial Analysis, Credit Risk, Lines Of Credit, Loans, Small Business Lending, Mortgage Lending, Mortgage Banking
Education
Temple University - Fox School of Business and Management
Brown Brothers Harriman September 2012 - June 2013
State Street Bank January 2006 - October 2010
State Street August 2004 - December 2005
Fleet Bank/Bank of America May 2004 - August 2004
International Student Services September 2003 - April 2004
Skills
Accounting, Mutual Funds, Auditing, Finance, Analysis, Banking, Valuation, Budgets, Access, Financial Statements, Financial Services, Fund Accounting, Microsoft Excel, Financial Modeling, Financial Reporting
Education
UMass Boston 2001 — 2005
Bachelor's degree, Economics
Nisar Shaheed, Pakistan
University of Massachusetts Boston
Bachelors of Arts, Economics; Economics
JetBlue Airways May 2009 - Present
Washington Mutual Bank March 2007 - August 2008
Fleet Bank/Bank of America August 2001 - December 2006
Citibank December 1996 - August 2001
Skills
Customer Service, Microsoft Excel, Microsoft Word, Process Improvement, Training, Team Leadership, Team Building, Outlook, Negotiation, Program Management, Microsoft Office, Customer Retention, Customer Relations, Customer Satisfaction, Customer Experience, Sabre, Minisoft
Education
University of Phoenix 2013 — 2016
Bachelor's degree, Business/Human Resource Management, 3.64
University of Phoenix
Associate of Arts (A.A.), Human Services Management, 3.53
LINCARE INC April 2010 - Present
YRC Worldwide, Inc. March 2006 - September 2008
Fleet Bank/Bank of america September 2002 - September 2004
Skills
Loans, Customer Service, Accounts Receivable, Invoicing, Microsoft Office
Education
Bryant & Stratton College 1988 — 1990
Associate's degree, Electronics
Federal Trust Bank 2008 - 2011
Regions Financial Corporation March 2006 - June 2008
Holiday Inn Express April 2005 - March 2006
Fleet Bank/Bank of America February 1992 - March 2005
Skills
Banking, Loans, Commercial Banking, Consumer Lending, Retail Banking, Credit Risk, Lines Of Credit, Deposits, Cross Selling, Credit Cards, Branch Banking
Education
Daytona State College 2013 — 2014
Bachelor of Applied Science ( B.A. Sc. ), Supervision and Management
Daytona State College 2009 — 2013
Associate's Degree, Liberal Arts