Oracle
Rafael Miranda
Ingeniero De Procesos Y Controles
Panama City,8
Summary
Meticulous Treasury Manager offering 8 years of superior performance in related roles. Highly skilled in risk management and strategy development to serve corporate needs. Hardworking and diligent with passion for continuous improvement.
Overview
29
29
years of professional experience
2
2
Languages
Work History
Treasury Manager
Top Brands Internacional
06.2023 - Current
- Provided valuable insights to senior management on matters related to cash, investments, and risk management for informed decisionmaking.
- Enhanced investment portfolio performance by conducting thorough analysis and making informed decisions on diverse investment options.
- Increased efficiency in debt issuance processes by collaborating with banks and credit rating agencies for optimal terms and conditions.
- Maintained adequate liquidity levels through proactive cash management techniques including borrowing under credit facilities or investing surplus funds in short-term instruments when appropriate.
- Kept abreast of industry trends and market developments to ensure the organization''s treasury function remained competitive and effective.
- Developed a highly skilled and motivated treasury team through regular training, professional development opportunities, and performance feedback sessions.
- Reduced bank fees by negotiating favorable banking terms and services agreements with multiple financial institutions.
- Optimized cash flow by implementing effective cash management strategies and monitoring daily liquidity positions.
- Developed strong relationships with banking partners for improved service levels and competitive pricing negotiations.
- Streamlined payment processes by implementing an electronic payment system that reduced manual errors and increased operational efficiency.
- Contributed to annual budgeting processes by providing accurate projections of interest income, expenses, and capital expenditures related to treasury operations.
- Ensured compliance with regulatory requirements by staying updated on relevant laws, regulations, and best practices within the treasury function.
- Reconciled monthly statements, invoices and expense accounts, keeping records accurate, and current.
- Negotiated and managed contracts with external vendors to optimize value for organization.
- Analyzed financial data to identify trends, risks and opportunities.
- Coordinated with external auditors to enforce compliance with financial regulations and standards.
- Managed foreign exchange exposures by developing a comprehensive hedging strategy to minimize currency risks.
- Improved financial risk management by establishing policies, procedures, and internal controls to mitigate potential risks.
- Implemented robust cash forecasting models to accurately predict future cash needs and inform decision-making within the organization.
- Safeguarded company assets from potential fraud incidents by implementing stringent security measures across all aspects of treasury operations.
- Collaborated cross-functionally with other departments such as finance, accounting, tax, legal, and procurement to ensure seamless integration of treasury-related activities.
- Supported organizational growth through active participation in mergers, acquisitions, and divestitures activities.
- Improved financial reporting by creating customized reports that provided actionable insights into cash positions, investment performance, and exposure levels.
- Mitigated risk by implementing internal controls and safeguards for revenues and expenditures.
- Prepared corporate fiscal and business plans to help strategically direct business operations and strengthen controls.
- Executed financial due diligence tasks on daily basis to maintain optimal company finances.
- Advised management regarding significant expenditures to keep operations in line with budget limitations.
- Planned and managed $150MM annual budgets, tracking expenses, and investigating discrepancies to maintain optimal controls.
- Oversaw financial reporting process to facilitate timely and accurate financial statement preparation.
- Implemented strategies to improve organizational financial performance.
- Established policies and procedures to support compliance with laws and regulations.
- Prepared and presented financial reports to inform senior management and board of directors.
- Liaised with financial institutions to secure project funding and optimize financial resources.
- Led financial planning and forecasting process to allocate resources in line with business demands.
- Developed and maintained internal control systems to protect organizational assets.
- Drafted treasury reports to support management decision-making needs.
- Used SAP Business One and Dynamics to prepare external audit documentation and financial reports to assist management in operational planning and key decision making.
- Worked with 8 executives to create annual budget and track actual expenses against projected expenses.
- Introduced internal controls to monitor critical areas of financial control and devised manuals corrective actions to address risks or deficiencies.
- Supported program managers in providing procedural training on finance and accounting.
- Enhanced quality and currency of financial information by overseeing revenue collection systems.
- Accurately completed financial statement audits and thoroughly reviewed results.
- Completed journal entries, reconciliations, and account analysis to prepare quarterly financial documents and general account management.
- Managed budgets, assets, portfolios, accounts payable, and receivable and general financial reporting procedures.
- Directed corporate decision-making and planning by monitoring and setting policies and procedures to optimize fiscal performance.
- Reviewed documents and data to give accurate presentations and forecasts to upper management.
- Created and distributed reports on internal and external finances, audits, and budgets.
- Prepared and filed tax returns and generated monthly reports in compliance with regulatory and organizational standards.
- Maximized year-end tax benefits by efficiently managing cash flows.
- Managed outstanding balance amounts by evaluating reports and determining collection statuses.
- Increased flow of financial information throughout company by improving communication strategies.
- Worked with both internal and external users to create detailed financial reports.
- Supervised accurate, efficient, and compliant completion of monthly financial reporting packages.
- Reviewed contracts financially impacting company and counseled executive leaders on impact contracts would have on company operations.
- Provided treasury and cash management by overseeing reconciliation of banking activity, credit card processing, and sales tax returns.
- Verified accurate completion of corporate income tax returns and optimal use of favorable tax codes.
- Reviewed processes and procedures to guide program implementation and optimize auditing.
- Projected monthly cash expenditures through efficient budgeting and detailed document reviews.
Treasury Executive
ARS International
08.2020 - 06.2023
- Improved visibility of global cash positions with the implementation of centralized treasury reporting tools.
- Negotiated favorable terms on credit facilities, securing attractive financing options for business growth.
- Managed overall corporate insurance program, identifying optimal coverage levels and negotiating competitive premiums with insurance providers.
- Provided expert guidance to senior management on treasury-related matters, contributing to strategic decision-making processes.
- Coordinated closely with tax department in addressing tax implications of treasury activities, ensuring regulatory compliance and tax optimization strategies.
- Strengthened internal controls over treasury operations by reviewing existing procedures and implementing best practices.
- Partnered with cross-functional teams in developing accurate cash flow forecasts, enabling informed decision making.
- Streamlined banking relationships, consolidating accounts and reducing fees for improved operational efficiency.
- Enhanced cash flow management by implementing effective forecasting models and liquidity strategies.
- Implemented robust cash management processes, increasing available working capital while minimizing idle funds.
- Established efficient payment systems to support timely vendor payments and reduce transactional risks.
- Effectively managed foreign exchange exposure, executing prudent hedging strategies to safeguard company''s financial position.
- Collaborated with other departments in developing budgets, long-term financial plans, and monitoring performance against targets.
- Led a team of treasury professionals responsible for daily operations such as cash positioning, funding decisions, risk management, and reporting.
- Championed process improvements within the treasury function, leveraging technology solutions for enhanced productivity and control environment.
- Established and checked coding procedures, monitored reports and updated internal files.
- Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
- Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
- Developed comprehensive risk management framework to monitor and mitigate financial risks, ensuring treasury policy compliance.
- Supported M&A activities with due diligence efforts and integration planning related to treasury operations.
- Optimized debt portfolio for reduced interest costs through tactical refinancing and liability management initiatives.
- Designed investment policies to optimize returns on surplus cash while maintaining appropriate levels of liquidity.
- Directed capital market transactions including bond issuances and commercial paper programs to meet funding requirements.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Created financial dashboards to provide insights into key performance indicators.
- Analyzed business processes to identify cost savings and operational efficiencies.
- Implemented and regularly reviewed financial controls to generate accurate and reliable financial data.
- Collaborated with C-level executives and stakeholders to develop long-term financial plans.
- Supported financial director with special projects and additional job duties.
- Reviewed historical records, current operational data and forecasting information to identify and capitalize on system enhancement opportunities.
- Created and managed financial models to evaluate corporate investments and acquisitions.
- Developed strategic plans for day-to-day financial operations.
- Improved overall financial reporting by streamlining control processes and reporting structures.
- Conducted financial due diligence on potential investments and acquisitions.
- Established internal audit procedures to validate and improve accuracy of financial reporting.
- Evaluated and negotiated contracts to procure favorable financial terms.
- Prepared internal and regulatory financial reports, balance sheets and income statements.
- Utilized financial software to prepare consolidated financial statements.
- Complied with established internal controls and policies.
- Designed and maintained financial models to identify and measure risks.
Audit Executive
Textiles Pat Primo
04.2019 - 07.2020
- Fostered a culture of continuous improvement within the audit department by identifying opportunities for process optimization and implementing best practices.
- Collaborated with external auditors to reconcile discrepancies found during concurrent audits while reducing duplicative work efforts.
- Evaluated the effectiveness of corporate governance structures, mitigating potential risks within organizational frameworks.
- Assisted clients with the implementation of new accounting standards, ensuring compliance with industry regulations.
- Increased efficiency in audit processes by leveraging data analytics tools and automating routine tasks.
- Enhanced stakeholder confidence through transparent reporting on key financial metrics and adherence to GAAP guidelines.
- Streamlined internal controls by conducting thorough reviews and recommending effective solutions.
- Identified areas of improvement in financial reporting processes, resulting in increased efficiency and accuracy.
- Conducted detailed financial analysis for key accounts, identifying trends and potential risks to inform strategic decisionmaking.
- Conducted training sessions for staff members on relevant accounting principles, enhancing overall knowledge levels within the team.
- Mitigated fraud risk by designing targeted audit procedures aimed at detecting fraudulent activities within organizations.
- Collaborated with cross-functional teams to conduct comprehensive audits across various business units.
- Ensured timely completion of all assigned engagements while maintaining high-quality deliverables throughout the process.
- Prepared accurate audit reports that clearly communicated findings and recommendations to management teams.
- Managed a diverse team of auditors, fostering collaboration and maintaining a high level of productivity.
- Enhanced audit quality by implementing risk-based procedures and ensuring adherence to regulatory standards.
- Improved client relationships through clear communication, timely responses, and consistent follow-ups on audit findings.
- Assessed operational inefficiencies during audits to recommend actionable improvements that streamline business processes.
- Mentored junior auditors by providing guidance on best practices, technical skills, and professional development opportunities.
- Developed strong partnerships with clients through proactive communication, mutual trust, and understanding their specific needs.
- Developed high-level knowledge of client business goals, policies and procedures to establish foundation for targeted problem solutions.
- Analyzed complex client problems and generated targeted solutions that resolved outstanding issues while enhancing client business positions.
- Communicated with clients to engage in cross-selling and upselling activities and improve business generation results.
- Attended textile industry conferences to gain understanding of trends and engage with current and potential clients.
- Cultivated mutually beneficial relationships with clients and company financial officers to facilitate improved business operations.
- Partnered with internal managers to deliver client proposals and presentations and increase department sales revenues.
- Participated in billing and collections operations to facilitate client payment of overdue invoices.
- Assisted clients with representative project development and execution to facilitate positive outcomes and strengthen business relationships.
- Interacted with internal staff and clients to improve operational knowledge of relevant tax issues and business implications.
- Advised clients of textile industry trends and emerging conflicts and presented solutions that enhanced client business goals.
- Trained and mentored department staff on policies and procedures to establish strong foundation for client development and service activities.
- Conducted strategic and technical reviews to verify compliance with quality control standards, schedule constraints and budget parameters.
- Partnered with auditors to track errors and add contributions to maintain accuracy.
- Collaborated with accounting manager to comply with governing bodies and limit regulatory risks.
- Identified legal tax savings and recommended ways to improve profits.
- Cooperated with senior leaders to create operating budgets and initiate financial planning.
- Used accounting software to issue tax returns and prepare consolidated reports.
- Researched technical tax issues to define tax effect or impact of certain tax positions.
- Reviewed accounts, resolved coding areas, and tracked recurring expenses for accrual entry.
- Developed financial models to assess and analyze financial performance of clients.
- Diminished outstanding debts by analyzing accounts for issues.
- Found tax solutions to complicated tax issues or errors from incorrect tax filings.
- Maintained integrity of general ledger and chart of accounts.
- Conducted technical and analytical reviews of tax returns to check for accuracy and qualified deductions.
- Compiled general ledger entries on short schedule with 100% accuracy.
- Kept up-to-date with tax changes and industry trends by participating in professional organizations, opportunities, and networks.
- Initiated comprehensive account assessments to check viability, stability, and profitability of business operations.
- Collected and reported monthly expense variances and explanations.
- Prepared working papers, reports and supporting documentation for audit findings.
- Provided journal entries and performed accounting on accrual basis.
- Tracked funds, prepared deposits and reconciled accounts.
- Trained new employees on accounting principles and company procedures.
Treasury Officer
Productos Avon
03.2016 - 04.2019
- Contributed to the development of business continuity plans for treasury operations, ensuring minimal disruptions during unforeseen events or crises.
- Optimized liquidity levels by accurately forecasting cash flows and coordinating with various departments.
- Safeguarded company assets by implementing robust controls and monitoring systems for financial transactions.
- Implemented best practices in treasury operations to improve overall efficiency while minimizing potential risks.
- Assisted in the negotiation of favorable credit terms with banks and other financial institutions, strengthening the company''s financial position.
- Conducted due diligence on potential investments, ensuring alignment with the organization''s risk tolerance and objectives.
- Enhanced financial reporting accuracy by reconciling bank accounts and investigating discrepancies in a timely manner.
- Developed strong working relationships with bankers, fostering trust and securing advantageous financing options for the organization.
- Enhanced cash flow management by implementing efficient strategies and policies.
- Supported acquisition efforts through effective management of cash resources during deal negotiations and post-transaction integration.
- Maintained up-to-date knowledge of relevant regulatory changes affecting treasury activities, allowing for proactive adaptation of policies as needed.
- Collaborated with internal stakeholders to develop financial models for optimal funding decisions.
- Developed treasury training programs for staff, increasing overall competency levels and promoting a culture of continuous learning within the department.
- Managed foreign exchange exposure to minimize currency risk, utilizing hedging strategies when necessary.
- Provided guidance on interest rate risk management strategies, helping to protect the company from fluctuations in market rates that could impact profitability or stability.
- Streamlined payment processes for increased efficiency, reducing processing times and errors.
- Improved investment returns by conducting thorough analysis of market trends and opportunities.
- Supported budgeting process by providing accurate cash flow projections and variance analysis reports.
- Reduced operational risks by maintaining compliance with treasury regulations and policies.
- Monitored debt covenants to ensure ongoing compliance, avoiding penalties or negative impacts on credit ratings.
- Implemented and regularly reviewed financial controls to generate accurate and reliable financial data.
- Collaborated with C-level executives and stakeholders to develop long-term financial plans.
- Established and checked coding procedures, monitored reports and updated internal files.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
- Designed and maintained financial models to identify and measure risks.
- Conducted financial due diligence on potential investments and acquisitions.
- Supported financial director with special projects and additional job duties.
- Analyzed business processes to identify cost savings and operational efficiencies.
- Created financial dashboards to provide insights into key performance indicators.
- Prepared internal and regulatory financial reports, balance sheets and income statements.
- Established internal audit procedures to validate and improve accuracy of financial reporting.
- Improved overall financial reporting by streamlining control processes and reporting structures.
- Developed strategic plans for day-to-day financial operations.
- Reviewed historical records, current operational data and forecasting information to identify and capitalize on system enhancement opportunities.
- Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
- Complied with established internal controls and policies.
- Utilized financial software to prepare consolidated financial statements.
- Evaluated and negotiated contracts to procure favorable financial terms.
- Created and managed financial models to evaluate corporate investments and acquisitions.
Cost Manager
Bimbo De Panama
02.2014 - 03.2016
- Monitored ongoing project expenses closely, ensuring adherence to approved budgets and minimizing variances.
- Streamlined procurement processes to minimize costs and improve efficiency.
- Trained junior team members on best practices in cost management, fostering a culture of fiscal responsibility within the organization.
- Implemented rigorous cost control measures, mitigating financial risks in projects.
- Continuously updated knowledge on industry trends and developments in cost management methodologies, incorporating best practices into daily operations.
- Established robust reporting systems to track and analyze project expenditures accurately.
- Conducted regular audits of project finances to ensure accuracy and compliance with internal policies as well as external regulations.
- Evaluated completed projects'' performance from a financial standpoint, identifying areas for improvement in future endeavors.
- Collaborated with external auditors during periodic reviews of the organization''s finances, providing all necessary documentation promptly.
- Reduced project costs by implementing effective cost management strategies.
- Created detailed project budgets, aligning them with the organization''s strategic goals and objectives.
- Developed comprehensive financial models to forecast project costs and support decision-making processes.
- Conducted thorough market research, identifying opportunities for cost reduction and improved efficiency.
- Enhanced financial performance of projects with meticulous cost analysis and forecasting.
- Optimized budget allocation for projects, resulting in significant savings.
- Identified areas of potential overspending, recommending corrective actions for better financial management.
- Facilitated smooth cash flow management for projects by coordinating timely invoicing and payments between clients and vendors.
- Liaised with stakeholders to communicate project financial updates regularly, maintaining transparency throughout the process.
- Evaluated vendor proposals, negotiating favorable terms to achieve cost savings without compromising quality.
- Collaborated with cross-functional teams, ensuring optimal resource utilization for projects.
- Prepared estimates used by management for purposes such as planning, organizing, and scheduling work.
- Provided accurate estimates by defining scope, timelines, potential setbacks, and limitations.
- Delivered consulting services to advise clients on cost-saving strategies and best practices.
- Researched construction cost trends to stay up-to-date with industry developments and changes.
- Determined budgets for prospective projects to plan for future expenditures and utilize resources wisely.
- Readied and presented cost reports to keep stakeholders informed of job progress.
- Attended project meetings to provide updates and insights on project costs.
- Reviewed and approved invoices and payments, verifying accuracy of expenses.
- Evaluated subcontractor bids to obtain best value for projects.
- Analyzed plans and specifications to identify scope and cost of projects.
- Utilized cost-estimating software to streamline estimating processes and produce accurate and reliable estimates.
- Assessed risks and uncertainties to identify potential challenges and prepare contingency plans.
- Developed and maintained database of cost information to use most up-to-date and relevant data in estimates.
- Monitored project progress to identify and address changes in project scope or budget.
- Conducted site visits to gather information and data on project locations, infrastructures and conditions.
- Stayed current with industry regulations and standards to produce cost estimates in compliance with all relevant laws.
- Prepared bids and proposals to submit to clients and secure new business.
- Negotiated contracts with suppliers and vendors, securing best pricing for materials, labor and equipment.
- Collaborated with project managers and contractors to obtain necessary information for preparing cost estimates.
- Gathered data on materials, labor and equipment costs to determine total costs of projects.
Accounting Supervisor
Truly Nolen
03.2011 - 02.2014
- Supported company growth through accurate financial forecasting, enabling informed strategic decision-making from executive leadership.
- Optimized cash flow management by reviewing receivables aging reports and implementing effective collection strategies.
- Facilitated cross-functional communication between departments to ensure seamless integration of accounting processes.
- Streamlined accounting processes by implementing new software solutions and automating manual tasks.
- Contributed to cost reduction efforts by identifying inefficiencies within the accounting department''s operations.
- Mitigated financial risks through meticulous analysis of potential business investments and partnership opportunities.
- Strengthened internal controls by designing and implementing robust policies and procedures.
- Improved budget management, consistently monitoring expenses and tracking variances.
- Assisted in the successful implementation of a new ERP system, contributing expertise in data migration and process improvement.
- Enhanced financial reporting accuracy by closely monitoring transactions and reconciling accounts monthly.
- Developed comprehensive budgets in collaboration with department managers to ensure alignment with organizational objectives.
- Continuously updated professional knowledge by attending workshops, conferences, webinars related to accounting trends and regulations.
- Successfully managed multiple projects concurrently while maintaining strict deadlines and high-quality deliverables.
- Managed a team of junior accountants, providing mentorship, guidance, and performance feedback to optimize productivity.
- Maintained confidentiality of sensitive financial information to protect company assets and maintain trust among stakeholders.
- Resolved complex accounting discrepancies through thorough investigation, analysis, and collaboration with relevant parties.
- Reduced month-end closing time with efficient organization and prioritization of tasks.
- Ensured compliance with regulatory requirements through diligent research and staying current on industry best practices.
- Collaborated with external auditors for timely completion of annual audits, addressing inquiries promptly and accurately.
- Created and initiated accounting procedures to increase organization.
- Disciplined and motivated accounting team to maximize performance.
- Reviewed business operations and obligations to help organization function at acceptable level.
- Verified employee benefit invoices by verifying coverage and costs.
- Renewed business insurance by scheduling values for personal and real property, vehicles, and accounts receivable.
- Implemented updated production, productivity, quality, and customer service standards to improve company financial standing.
- Worked on team of 6 effective and competent accounting professionals after hiring and training 100% of team.
- Maintained cash flow by monitoring bank balances and cash requirements.
- Offered advice and direction to help clients better understand financial goals.
- Evaluated and improved financial records to make important business decisions.
- Leveraged finance knowledge to strengthen controls and improve transparency.
- Saved time while managing financial projects through effective emergency resolutions.
- Set up and improved accounting systems and processes to meet business needs and maximize operational success.
- Met accounting financial standards by providing accounting department annual budget information.
- Evaluated and negotiated contracts to procure favorable financial terms.
- Established internal audit procedures to validate and improve accuracy of financial reporting.
- Established and checked coding procedures, monitored reports and updated internal files.
- Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
- Created and managed financial models to evaluate corporate investments and acquisitions.
- Collaborated with C-level executives and stakeholders to develop long-term financial plans.
- Implemented and regularly reviewed financial controls to generate accurate and reliable financial data.
- Analyzed business processes to identify cost savings and operational efficiencies.
- Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
- Reviewed historical records, current operational data and forecasting information to identify and capitalize on system enhancement opportunities.
- Utilized financial software to prepare consolidated financial statements.
- Developed strategic plans for day-to-day financial operations.
- Conducted financial due diligence on potential investments and acquisitions.
- Complied with established internal controls and policies.
- Supported financial director with special projects and additional job duties.
- Designed and maintained financial models to identify and measure risks.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Improved overall financial reporting by streamlining control processes and reporting structures.
- Created financial dashboards to provide insights into key performance indicators.
- Prepared internal and regulatory financial reports, balance sheets and income statements.
Accountant Supervisor
Lombardi, Aguilar & Garcia
07.2008 - 02.2011
- Assisted with budget preparation and variance analysis to ensure accurate forecasting and resource allocation.
- Led quarterly reviews of departmental performance metrics, identifying areas for improvement and implementing action plans accordingly.
- Maintained up-to-date knowledge of accounting standards and regulations, ensuring company-wide compliance at all times.
- Enhanced financial accuracy by implementing efficient accounting processes and systems.
- Optimized financial reporting processes, resulting in improved information accessibility for decision-making purposes.
- Improved cash flow management by developing effective accounts receivable tracking systems.
- Managed a team of junior accountants, providing guidance and mentorship for their career development.
- Ensured compliance with tax regulations by preparing accurate state and federal tax filings.
- Reduced financial discrepancies through thorough reconciliation of balance sheet accounts on a monthly basis.
- Collaborated with external auditors to facilitate smooth annual audits, minimizing discrepancies and audit adjustments.
- Supported the implementation of new accounting software systems, leading to increased productivity among the finance team members.
- Streamlined the month-end closing process, resulting in reduced turnaround time and increased efficiency.
- Implemented internal controls to safeguard company assets and reduce risk exposure related to fraud or errors.
- Conducted detailed financial analysis, identifying opportunities for cost savings and revenue growth.
- Designed comprehensive training programs for new hires, enhancing their understanding of company-specific accounting procedures and policies quickly.
- Fostered a collaborative and supportive work environment, resulting in increased employee satisfaction and engagement within the accounting team.
- Addressed complex accounting issues as they arose, working closely with colleagues to find appropriate solutions that adhered to industry best practices.
- Provided timely and accurate financial data to support executive leadership in strategic planning efforts.
- Developed customized financial models to assist in evaluating potential business investments or acquisitions.
- Coordinated cross-functional projects involving multiple departments, driving efficiencies within the organization''s operations.
- Oversaw 6 finance personnel in preparing tax returns, providing documentation and reconciling accounts.
- Reconciled balance sheets and streamlined best practices for balance sheet processes.
- Completed year-end closing processes with controllers and external auditors.
- Updated general ledger with latest entries.
- Prepared monthly journal entries and reconciliations.
- Handled month-end and year-end end finances by managing and reporting fixed assets and other data.
- Reviewed documents and accounts for discrepancies and resolved variances.
- Assisted in upgrade and conversion of in-house financial systems.
- Reviewed budgets and communicated discrepancies to senior management.
- Partnered with auditors to track errors and add contributions to maintain accuracy.
- Contributed to hiring, training and development of accounting teams.
- Reviewed business operations and obligations to help organization function at acceptable level.
- Reconciled accounts and created documents for monthly closure procedures.
- Assisted team members in transitioning to new system through extensive training and one-on-one support.
- Evaluated and improved financial records to make important business decisions.
- Liaised with clients regarding financial plans and objectives.
- Recommended strategies to expedite filing projects and annual reporting.
- Expedited payroll and invoicing by streamlining billing systems.
- Leveraged finance knowledge to strengthen controls and improve transparency.
- Oversaw accounting team in servicing diverse clients.
- Directed accounting team in timely reporting of finances for diverse client businesses.
- Developed strategic plans for day-to-day financial operations.
- Supported financial director with special projects and additional job duties.
- Evaluated and negotiated contracts to procure favorable financial terms.
- Analyzed business processes to identify cost savings and operational efficiencies.
- Prepared internal and regulatory financial reports, balance sheets and income statements.
- Reviewed historical records, current operational data and forecasting information to identify and capitalize on system enhancement opportunities.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Collaborated with C-level executives and stakeholders to develop long-term financial plans.
- Conducted financial due diligence on potential investments and acquisitions.
- Utilized financial software to prepare consolidated financial statements.
- Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
- Improved overall financial reporting by streamlining control processes and reporting structures.
- Created and managed financial models to evaluate corporate investments and acquisitions.
- Implemented and regularly reviewed financial controls to generate accurate and reliable financial data.
- Complied with established internal controls and policies.
- Created financial dashboards to provide insights into key performance indicators.
- Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
- Established and checked coding procedures, monitored reports and updated internal files.
- Established internal audit procedures to validate and improve accuracy of financial reporting.
- Designed and maintained financial models to identify and measure risks.
Accounts Officer
Ricardo Perez - Toyota Panama
10.2001 - 06.2008
- Developed strong relationships with external partners such as banks and vendors to facilitate smooth transaction processing on behalf of the company.
- Ensured timely vendor payments by managing invoice processing and expense tracking systems.
- Provided valuable insights on cost reduction strategies, leading to increased profitability for the organization.
- Enhanced financial reporting efficiency with thorough account reconciliations and analysis.
- Maintained strict confidentiality of sensitive financial information, ensuring the protection of company assets and maintaining a high level of professional integrity.
- Collaborated with team members to develop new internal control measures, increasing overall financial security.
- Improved financial accuracy by streamlining accounts payable and receivable processes.
- Facilitated cross-functional collaboration between departments for more efficient budget allocation based on organizational priorities.
- Assisted in budget planning, forecasting, and monitoring expenses to ensure adherence to fiscal guidelines and goals.
- Conducted regular audits of financial transactions, identifying areas of improvement in accounting procedures and controls.
- Prepared detailed financial reports for senior management review, highlighting key performance indicators and trends impacting business health.
- Managed tax preparation efforts, ensuring compliance with local, state, and federal regulations while minimizing liability exposure.
- Contributed to successful year-end audits through diligent documentation maintenance and collaborative communication with auditors.
- Streamlined cash flow management processes, ensuring optimal liquidity levels for daily operations support.
- Reduced discrepancies in financial statements through meticulous data entry and record-keeping practices.
- Implemented innovative solutions for managing working capital requirements that enhanced overall business stability during challenging economic times.
- Boosted productivity by automating routine accounting tasks and leveraging technology solutions for improved workflow management.
- Supported month-end closing process by preparing comprehensive journal entries and adjusting balances as necessary.
- Maintained accurate financial records, contributing to company growth by enabling informed decisionmaking.
- Trained new team members on accounting best practices, fostering a culture of continuous learning within the department.
- Updated general ledger of accounts with current, accurate and industry-compliant data to meet all internal and external audit requirements.
- Assisted cashiers with processing customer payments and documenting orders.
- Overhauled process for year-end inventory audits to improve accuracy.
- Managed all accounting needs and account updates for Panama and Caribe operations.
- Input vendor payments and updated accounts to reflect new balances.
- Supervised accounting department operations and team of up to 2 employees.
- Managed customer deliveries and assisted with carrying out orders to promote maximum satisfaction.
- Accomplished 20% reduction in financial expense by streamlining operations.
- Managed payroll operations for team of 30 employees.
- Checked expenses against budget controls, entered figures and reconciled business accounts to address discrepancies.
- Generated cash flow and accounts reconciliations reports to identify financial trends and aging accounts in need of attention.
- Collaborated with purchasing department to reconcile vendor invoices and facilitate payments.
- Communicated and resolved disputes with clients regarding outstanding invoices, payments and adjustments.
- Presented audit findings to accounting manager after reviewing results and paperwork.
- Managed and responded to correspondence and inquiries from customers and vendors.
- Input financial data and produced reports using SoIn.
- Generated invoices upon receipt of billing information and tracked collection progress.
- Handled day-to-day accounting processes to drive financial accuracy.
- Created detailed expense reports to facilitate reimbursement for business expenses incurred.
- Compiled budget figures by reviewing past budgets, evaluating estimated income, and assessing expenses.
- Developed monthly, quarterly and annual profit and loss statements and balance sheets.
- Managed complex problem-solving for upper management in order to complete projects on-time and within budget.
- Matched purchase orders with invoices and recorded necessary information.
- Recorded deposits, reconciled monthly bank accounts and tracked expenses.
- Supported management by processing invoices and documents with consistent on-time delivery.
- Reconciled company bank, credit card and line of credit accounts, investigating, and resolving discrepancies to keep accounts audit-ready.
- Maintained excellent financial standings by working closely with bookkeeper to process business transactions.
- Entered figures using 10-key calculator to compute data quickly.
- Tracked financial progress by creating quarterly and yearly balance sheets.
- Inspected account books and recorded transactions.
- Gathered, evaluated and summarized account data in detailed financial reports.
- Streamlined daily reporting information entry for efficient record keeping purposes.
- Implemented new accounting processes to decrease spending and work flow downtime.
- Maintained account accuracy by reviewing and reconciling checks monthly.
- Streamlined bookkeeping procedures to increase efficiency and productivity.
- Strengthened financial operations by conducting bank reconciliations and financial reporting.
- Reconciled accounts, managed audits and updated financial records with remarkable accuracy.
- Reconciled account information and reported figures in general ledger by comparing to bank account statement each month.
- Effectively communicated with clients about payment needs and kept updated, detailed and accurate ledgers.
- Reduced financial discrepancies, effectively reconciling bank accounts and organizing information into accounting software.
Financial Analyst Intern
Morgan & Morgan Law Firm
09.1995 - 09.2000
- Evaluated client portfolios regularly, recommending adjustments based on market conditions and risk tolerance levels.
- Improved financial forecasting accuracy by conducting thorough research and analysis of market trends.
- Utilized strong analytical skills in evaluating balance sheets, income statements, cash flow statements, and other financial documents to assess the financial health of various companies.
- Maintained strict adherence to regulatory compliance requirements throughout all work activities, minimizing exposure to potential legal risks or penalties associated with non-compliance issues.
- Assisted with due diligence efforts during potential mergers and acquisitions, mitigating risk and maximizing returns on investments.
- Developed strong working relationships with clients through regular communication and timely responses to inquiries, fostering trust and loyalty among customers.
- Prepared clear and concise financial reports for management review, enabling better-informed decisionmaking.
- Assisted in the preparation of financial presentations for both internal and external stakeholders, ensuring clarity and professionalism at all times.
- Performed detailed data analysis to identify areas for cost reduction and increased profitability.
- Streamlined data gathering processes by implementing new software tools, reducing time spent on manual data entry tasks.
- Conducted competitor analysis to identify potential risks and opportunities within the market, informing strategic planning efforts.
- Contributed to a positive work environment by demonstrating enthusiasm, dedication, and strong teamwork abilities throughout the internship experience.
- Assisted senior financial analysts with complex financial modeling, resulting in more accurate predictions for company growth.
- Provided ad-hoc analysis as needed for special projects or initiatives, contributing valuable insights that drove process improvements across the organization.
- Collaborated with cross-functional teams on budgeting and forecasting processes, enhancing overall organizational efficiency.
- Contributed to the development of strategic financial plans, leading to improved long-term business performance.
- Participated in professional development workshops and seminars to stay current with industry best practices and broaden skillsets.
- Analyzed various investment opportunities, providing valuable insights that informed executive decisions on capital allocation strategy.
- Supported the preparation of quarterly earnings reports, ensuring timely and accurate disclosures to stakeholders.
- Prepared informational tax spreadsheets.
- Analyzed and monitored statistical data trends.
- Used Vax to calculate profitability, solvency and liquidity of specific companies.
- Monitored organization's performance against competitors.
- Participated in conference calls and meetings and interacted with key leaders.
- Maintained database by verifying information and recording new information when needed.
- Generated 30 new clients through coldcalling techniques in 2.
- Developed financial models for projects and presentations.
- Analyzed 5 projects ranging from $2MM to $3MM to maximize return on investment.
- Conducted marketing research resulting in 4 strong leads.
- Supervised accounts receivables and accounts payable for Morgan & Morgan Law Firm.
- Implemented system for tracking payments on projects and contracts.
- Adhered to budgeting and accounting processes for cohesive records.
- Drafted financial reports to support comprehensive investigations.
- Analyzed financial data and presented meaningful insights to senior management.
- Monitored revenue, risk and capital allocations for financial transparency and balance.
- Tracked financial transactions to update balance sheets with accurate, current information.
- Researched accounting issues and proposed solutions to avoid repeat occurrences.
- Prepared and posted financial journal entries using technically relevant software.
- Prepared comprehensive forecasting reports for senior leadership as necessary.
- Maintained accurate, up-to-date financial spreadsheets and databases for reliable reference.
- Aided constructive forecasting by assisting with financial model development.
- Identified potential cost savings through focused financial analysis.
- Drafted reports on stock and bond health for periodic client communications.
- Reviewed statements with staff accountants to inform corporate and individual financial planning.
- Supported organizational account management duties under direct supervision.
- Evaluated performance of existing investments and adjusted accordingly.
- Tracked prices, yields and other trends to correctly interpret impacts on investment programs.
- Improved emergency resolution processes to save time.
- Generated comprehensive reports on portfolio performance and risk assessment.
- Developed financial models to assess potential investments and identify potential risks.
- Coordinated with financial advisors to develop long-term investment strategies.
- Presented oral and written reports on general economic trends, individual corporations and entire industries.
- Created financial strategies to optimize portfolio performance and reduce risk.
- Assisted companies with choosing and timing investments for optimal results.
- Created and maintained precise and accurate models, charts and reports.
- Developed financial projections and forecasts to guide investment decisions.
- Reviewed and analyzed project spending throughout project life cycle.
- Participated in client meetings to discuss financial analysis and investment strategies.
- Assisted in preparation of presentations, data tables and other documents for investor meetings.
- Orchestrated client-centered financial packages factoring in current market trends.
- Monitored market trends and news to identify emerging opportunities.
- Conducted due diligence on potential investments and presented findings to investors.
- Developed trading strategies to maximize returns on investments.
- Helped clients make optimal decisions on amounts and timing of capitalization.
- Researched macroeconomic, industry and company-specific data to inform investment decisions.
Education
BBA - Industrial Engineering
Universidad Tecnologica De Panama
Panama City, Panama 05.2001 -
Skills
Internal controls implementation
Cash Management Expertise
Intercompany Settlements
Budget Planning and Control
Treasury Operations Efficiency
Electronic Banking Systems
Foreign Exchange Management
Interest Rate Hedging
Bank Relationship Management
Working Capital Optimization
Debt Management Knowledge
Taxation Knowledge
Regulatory Compliance Awareness
Audit Preparation Abilities
Cash Flow Forecasting
Financial statements expertise
Financial management procedures
Excel proficiency
Accounting management
Information Protection
Bookkeeping
Continuous Improvement
Budgeting expertise
Cash Management
Account Auditing
Audit Coordination
Account Reconciliation
Internal Controls
Finance
Financial Control
Due diligence
Financial Management
Management accounting
Effective Communication
Problem-Solving
Budget Administration
Team Collaboration
General ledger accounting
Teamwork and Collaboration
Decision-Making
Financial Forecasting
Multitasking
Processing payments
Collections understanding
Multitasking Abilities
Adaptability and Flexibility
Problem-solving abilities
Internal control management
Software
Vax
JD Edwards
SoIn
Peachtree
SAP Business One
SAP 73
Timeline
Treasury Manager
Top Brands Internacional
06.2023 - Current
Treasury Executive
ARS International
08.2020 - 06.2023
Audit Executive
Textiles Pat Primo
04.2019 - 07.2020
Treasury Officer
Productos Avon
03.2016 - 04.2019
Cost Manager
Bimbo De Panama
02.2014 - 03.2016
Accounting Supervisor
Truly Nolen
03.2011 - 02.2014
Accountant Supervisor
Lombardi, Aguilar & Garcia
07.2008 - 02.2011
Accounts Officer
Ricardo Perez - Toyota Panama
10.2001 - 06.2008
BBA - Industrial Engineering
Universidad Tecnologica De Panama
05.2001 -
Financial Analyst Intern
Morgan & Morgan Law Firm
09.1995 - 09.2000