René Santiago
Caguas
Summary
Enterprising Financial Analyst with proven success in recommending appropriate financial plans based on accurate data collection, financial monitoring and business strategizing. Expertise includes financial analysis and reporting, contract management and forecasting. Develops and maintains high standards of quality and issue resolution through effective financial planning. Adept at utilizing top-of-the-line communication skills to build and foster long-term relationships.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Financial Analyst
Triple S - Propiedad
05.2018 - Current
- Collected data and developed detailed spreadsheets to identify trends and create revenue, profitability, and expense forecasts.
- Performed complex financial and budget analyses to determine requirements and justify requested funding.
- Used relevant financial technology to generate reports and recommended courses of action to upper management.
- Conducted detailed financial analysis to identify and evaluate changes in operations, trends and potential areas of improvement.
- Created and maintained precise and accurate models, charts and reports.
Financial Analyst
BMA Group Global
04.2017 - 05.2018
- Collected data and developed detailed spreadsheets to identify trends and create revenue, profitability, and expense forecasts.
- Performed complex financial and budget analyses to determine requirements and justify requested funding.
- Used relevant financial technology to generate reports and recommended courses of action to upper management.
- Conducted detailed financial analysis to identify and evaluate changes in operations, trends and potential areas of improvement.
- Prepared monthly journal entries and reconciliations.
- Completed year-end closing processes with controllers and external auditors.
- Reconciled accounts and created documents for monthly closure procedures.
- Reviewed documents and accounts for discrepancies and resolved variances.
- Handled month-end and year-end end finances by managing and reporting fixed assets and other data.
- Reconciled balance sheets and streamlined best practices for balance sheet processes.
- Reviewed budgets and communicated discrepancies to senior management.
- Evaluated and improved financial records to make important business decisions.
- Assisted team members in transitioning to new system through extensive training and one-on-one support.
- Recommended strategies to expedite filing projects and annual reporting.
- Directed accounting team in timely reporting of finances for diverse client businesses.
- Liaised with clients regarding financial plans and objectives.
- Tracked funds, prepared deposits and reconciled accounts.
- Maintained integrity of general ledger and chart of accounts.
- Collected and reported monthly expense variances and explanations.
- Collaborated with accounting manager to comply with governing bodies and limit regulatory risks.
- Diminished outstanding debts by analyzing accounts for issues.
- Kept up-to-date with tax changes and industry trends by participating in professional organizations, opportunities, and networks.
Insurance Producer
Independent
06.2014 - 05.2018
- Provided detailed information about company insurance products.
- Set up policies and completed all documentation.
- Adhered to all regulations for insurance sales.
- Worked in high-volume, competitive sales environment.
- Provided information on features, policies and relative advantages to promote insurance packages.
- Responded to customer calls swiftly to resolve issues and answer questions.
- Monitored changes in insurance industry to stay compliant with relevant laws and regulations.
- Maintained high standards of customer service by building relationships with clients.
- Identified potential risks in client businesses and recommended appropriate insurance coverage.
- Built relationships with clients using active listening and issue resolution to provide excellent service.
- Obtained underwriting approval by completing application for coverage.
- Determined client needs and financial situations by listening and scheduling fact-finding appointments.
- Negotiated with insurance underwriters to obtain better coverage and improved rates for clients.
- Investigated and processed claims swiftly to keep customers satisfied.
- Educated clients on insurance policies and procedures.
- Analyzed customer needs to provide customized insurance solutions.
- Calculated premiums and established payment methods for sales.
- Conducted annual reviews of existing policies to update information.
- Collected premiums on or before effective date of coverage.
- Monitored customer feedback and identified areas of improvement.
- Designed presentations and marketing materials to promote insurance products.
- Conducted research and identified market trends to develop better strategies for sales.
Financial Analyst
EVERTEC Inc.
02.2015 - 06.2016
- Collected data and developed detailed spreadsheets to identify trends and create revenue, profitability, and expense forecasts.
- Performed complex financial and budget analyses to determine requirements and justify requested funding.
- Used relevant financial technology to generate reports and recommended courses of action to upper management.
- Conducted detailed financial analysis to identify and evaluate changes in operations, trends and potential areas of improvement.
- Prepared monthly journal entries and reconciliations.
- Completed year-end closing processes with controllers and external auditors.
- Reconciled accounts and created documents for monthly closure procedures.
- Reviewed documents and accounts for discrepancies and resolved variances.
- Reconciled balance sheets and streamlined best practices for balance sheet processes.
- Evaluated and improved financial records to make important business decisions.
- Assisted team members in transitioning to new system through extensive training and one-on-one support.
- Reviewed business operations and obligations to help organization function at acceptable level.
- Partnered with auditors to track errors and add contributions to maintain accuracy.
- Directed accounting team in timely reporting of finances for diverse client businesses.
- Prepared working papers, reports and supporting documentation for audit findings.
- Trained new employees on accounting principles and company procedures.
- Cooperated with senior leaders to create operating budgets and initiate financial planning.
Reinsurance Accountant
MAPFRE Puerto Rico
05.2006 - 06.2014
- Handled day-to-day accounting processes to drive financial accuracy.
- Completed daily cash functions like account tracking, payroll and wage allocations, budgeting, donating, and cash, and banking reconciliations.
- Documented cash, credit, fixed assets, accrued expenses, and line of credit transactions.
- Gathered financial information, prepared documents, and closed books.
- Maintained up-to-date knowledge on professional accounting standards to manage financial recordkeeping.
- Used advanced software to prepare documents, reports, and presentations.
- Detected and corrected mistakes early on and implemented systems to avoid recurring issues.
- Partnered with auditors to track errors and add contributions to maintain accuracy.
- Leveraged finance knowledge to strengthen controls and improve transparency.
- 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.
- Maintained integrity of general ledger and chart of accounts.
- Collected and reported monthly expense variances and explanations.
- Trained new employees on accounting principles and company procedures.
- Compiled general ledger entries on short schedule with 100% accuracy.
- Diminished outstanding debts by analyzing accounts for issues.
Assistant Controller
Technology Partners Inc.
03.2004 - 05.2006
- Completed journal entries, reconciliations, and account analysis to prepare quarterly financial documents and general account management.
- Oversaw accounts payable and receivable operations for [Type] business with $[Amount] in monthly expenses.
- Followed up with delinquent accounts to obtain funds and reduce aging balances.
- Supervised accurate, efficient, and compliant completion of monthly financial reporting packages.
- Prepared balance sheets, cash flow reports and income statements.
- Completed year-end close processes through effective supervision financial functions and regular treasury transactions.
- Accurately completed financial statement audits and thoroughly reviewed results.
- Managed budgets, assets, portfolios, accounts payable, and receivable and general financial reporting procedures.
- Provided treasury and cash management by overseeing reconciliation of banking activity, credit card processing, and sales tax returns.
- 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.
- Managed outstanding balance amounts by evaluating reports and determining collection statuses.
- Mitigated risk by implementing internal controls and safeguards for revenues and expenditures.
- Projected monthly cash expenditures through efficient budgeting and detailed document reviews.
- Reviewed contracts financially impacting company and counseled executive leaders on impact contracts would have on company operations.
Education
BBA - Accounting
Interamerican University Of Puerto Rico
San Juan05.2003
Skills
- Bilingual (Spanish – English)
- Effective management with development and use
of human, financial, material, and intellectual
factors - Ability to manage time and handle multiple tasks
- Identification of strengths and weaknesses in the
organizational environment
- Excellent interpersonal relationships
- Ability to analyze and understand the complexities of
an organization and adjust to them - Knowledge of Microsoft Office Professional Word,
Excel, PowerPoint, Access, Peachtree Accounting,
QuickBooks Professional, Change Point, Sun
System Accounting, COGNOS Applications,
Tronador, Tronweb, USSI, Rims, QuickLinks and
Internet Search Engines, SAP, SISE, PRS, TCP,
Wings, SQL & Outsystems
Tennis
5 years of leading teams to sectionals and championships for amateur USTA adult league. Currently ranking 4.0. I express my experience as a captain for a tennis team because of all skills that come with being a leader. Communication, motivation, loyalty amongst others that give you the greatest honor of all the great players that believe and follow you through this unbelievable journey. Without leaving the better trait of all which is the great networking of all the participants of all the teams from all different countries at the sectionals.
Languages
Spanish
Native language
English
Advanced
C1
Certification
- First Aid & CPR Certification
- Schedule F Preparation (Booke)
- Annual Statement (Booke)
- CPA Review Courses
Affiliations
- Member of MAPFRE Emergency Response Team
- Volunteer for the MAPFRE Foundation
- Volunteer for the Triple S Foundation
Timeline
Financial Analyst
Triple S - Propiedad
05.2018 - Current
Financial Analyst
BMA Group Global
04.2017 - 05.2018
Financial Analyst
EVERTEC Inc.
02.2015 - 06.2016
Insurance Producer
Independent
06.2014 - 05.2018
Reinsurance Accountant
MAPFRE Puerto Rico
05.2006 - 06.2014
Assistant Controller
Technology Partners Inc.
03.2004 - 05.2006
BBA - Accounting
Interamerican University Of Puerto Rico
Similar Profiles
Alex LeatherwoodAlex Leatherwood
SMAW Welder at Triple SSMAW Welder at Triple S
Lance WinterLance Winter
Travelling SEA at -Travelling SEA at -
Paula Andra MateiPaula Andra Matei
Maternity leave at -Maternity leave at -