Judy Reynolds Semaria

**** ********* *****

Crestwood, KY 40014

502-***-**** abprow@r.postjobfree.com

Creative, results-driven Financial leader with extensive experience in global financial and trade controls, acquisitions, treasury / cash management, planning, forecasting, budgets, tax, credit management, governmental compliance, and risk evaluation / management. Diverse background spans major national and global companies and banks in such industries as manufacturing, insurance, refractories, aerospace, radiant / medical technology, transistors, technical ceramics, steel, and bank operations and administration. Specializes in domestic / international finance, creative restructuring, and securitization of assets. Offers proven abilities in assessing / minimizing risk, maximizing cash flow, and managing corporate / bank relationships. Exhibits exceptional negotiation, problem solving, and communication skills. Experience working in Canada, the Middle East, Africa, Asia, Mexico, Europe, South America, and Latin America. Experience working directly with oversight agencies, such as OFAC, SWIFT, IMF, FCIB-NACM, NAFTA, World Bank, Export-Import Bank, Foreign Credit Insurance, U.S. Edge, World Trade Organization, GATT (trades and tariffs), CHIPS, and U.S. Council for International Banking. Fluent in French; proficient in Spanish.

Additional areas of expertise include:

P&L Responsibility Investment Portfolio Management

Debt / Covenants

Finance/Government Compliance

Risk / Loss Prevention

Policy and Procedure Development

Training / Mentoring

SELECTED ACCOMPLISHMENTS

Led consolidation of the accounting, financial, and risk management functions of 8 companies for an overseas conglomerate ($17B in sales), working with global legal and tax attorneys, banks, insurance companies, environmental agencies, and internal and external audit firms. 8 U.S. and international Treasurers and Controllers and their staffs reported to this position. Effectively directed and managed $2B in bank financing, increasing revenue by $100M. Brought in an additional $300M through the sale and leaseback of fixed assets, such as real estate and airplanes. Managed 401(k), pension, bond defeasance, and foundation investment portfolios, analyzing and revising risk objectives and performance ratios; financial instruments included bonds, treasury bills, small-and-large cap vehicles, stocks, mutual funds, commercial paper, and money market funds.Expanded a major bank’s client debt portfolio by $115M, treasury management fees by $200K (plus 450 deposit accounts), and international services income by $175K in first year, exceeding all sales goals.Designed and managed a global risk management program to provide broader coverage, via brokers located in the U.S., Europe, and Canada, while reducing premiums 35%.Reorganized Credit Department to minimize credit risk and collect outstanding debt; reduced average accounts receivable days by 25%, cut bad debt expense by 60%, and collected $2M pre and post bankruptcies and liquidations. Credited by CEO for propping up flailing stock price. Functioned as a workout manager for the collective companies involved, acting as their liaison with mutual customers in liquidation and reorganization. Reduced global taxation 30% by relocating manufacturing points in various countries. Member of the U.S. Council for International Banking, working directly with the Federal Reserve to establish global policy and regulations. Consolidated a worldwide netting payment system for 8 companies into an intercompany system with an external banking system in Belgium, cutting costs by $500K annually. Prepared and presented financial data for rating agency and SEC reporting, leveraged buyouts, and private-to-public and public-to-private companies.First individual in U.S. to accomplish securitization of regulated receivables.Served as a faculty instructor for the NACHA Payments Institute, teaching global treasury / cash management and integration of payments. Instruction includes current Homeland Security, Patriot Act, anti-money laundering regulations, and security risk on various continents.Selected to serve on metro Business Development Committee of the Board to redevelop the city and with the Chamber of Commerce as a business consultant to small-and-medium-sized companies, assisting with accounting, finance, cash flow, and business systems, operations, and administration.Member of Board of Directors for 8 companies.

professional experience

Presbyterian Church (USA), Louisville, KY 2007 – 2012

Coordinator, Operations and Administration

Created a computerized information system to analyze data and automate and consolidate data from internal and external sources into general ledger. Responsible for all financial aspects of running the Gulf operation ($20M) for the cleanup of Hurricane Katrina. Provided financial data analysis, prepared short-and-long-term budgets. Managed the financial, operations, administrative, and personnel areas for 250 employees in the U.S. and abroad. Managed budgets, overseas finances (market value $100M), overseas real estate (market value $200M), personnel, and Homeland Security and anti-money laundering regulations, working with attorneys and regulators. Worked in and headed security / risk for Canada, the Middle East, Africa, Asia, Mexico, Europe, South America, and Latin America.

Fort Knox National, Elizabethtown, KY 2004 – 2006

Vice President, Director, Account Management

Led a team of account managers in maintaining and increasing sales to 135 clients, including major corporations, such as GMAC, Chrysler, and Mitsubishi. Produced over 1M new transactions and $5M new revenue in 2005 and retained all clients in an environment with broken products and where sales managers had lost clients. Managed a 50-person Client Services team.

Benefits Planning Group, Louisville, KY 2000 – 2004

Chief Financial Officer / Financial Management Consultant

Contributed to the startup of a consulting firm specializing in benefit plans, risk management, and financial controls. Played a key role in securing a contract with American Commercial Lines and wrote a database to analyze, track, and maintain their insurance plan. Assisted startup Capital Sources, a collection and medical administrative agency, in writing business plans, preparing budgets, increasing cash flow and operational revenues, meeting with banks and vendors to secure funding and additional business; acting President of company. Assisted Ventas, a real estate investment company, in establishing and analyzing metrics to track performance of bond defeasance program and their foundation.Directed the Credit and Risk Management Departments of Steel Technologies Inc.; analyzed and reduced risk for 20 locations; met with the principals of customers to assess their financial risk and determine appropriate credit risk (clients included Ford and General Motors) ; credited by CEO with propping up flailing stock price.

ADDITIONAL RELEVANT EXPERIENCE

Humana Inc., Louisville, KY

Assistant Treasurer

Directed a $2B syndicated credit facility. Managed bank relationships and debt programs, including commercial paper. Instituted stock buy-back programs and dividend policy. Instituted alternative forms of financing, including private debt, sale and leaseback of airplanes, convertible bonds, real estate and other fixed assets, securitization of insurance and military receivables in a highly regulated market, stock buy-back programs, and dividends. Impacted cash flow and increased stock price through the securitization of $400M in assets in a regulated environment (first individual in U.S. to accomplish that). Prepared and presented financial statements and forecasts to all rating agencies in order to maintain the insurance credit rating and a stable stock price. Analyzed and tracked stock performance and determined methods to enhance price, stability, and cash flow. Established metrics performance and presented risk alternatives and business plan for money market, capital market, insurance funds, and commercial paper. Responsible for $100M in Foundation assets.

Wachovia, Winston-Salem, NC

Assistant Vice President / Senior Product Manager

Designed, developed, managed, and provided marketing strategy for domestic and international electronic and non-automated funds transfer products and services, as well as international alliances with other banks around the world. Chaired a 50-person product team comprised of systems personnel, domestic and international operation staffs, sales teams, international trade representatives, and foreign exchange traders, to formulate sales strategies, boost profits, and redesign products. Managed letters of credit, international payment services, foreign and domestic collections, letter of credit presentations, foreign drafts, netting, cross-border cash pooling, multi-currency accounts, SWIFT, CHIPS, foreign exchange, and fund transfer products. Served as consultant for U.S. businessmen and Eastern Europe emissaries in conducting mutual business.

SGIC, Paris, France/Louisville, KY

Corporate Treasurer (8 companies)

Directed financing, risk management, debt management, systems and data consolidation, and environmental issues and resolutions related to the acquisition of 7 domestic and foreign companies, including negotiating with foreign and U.S. legal and tax attorneys, banks, accounting firms, and insurance companies, with 7 Treasurers and Controllers reporting to this position. Responsible for developing systems for merging financial management, treasury operations, cash management, accounts receivable, risk management, short-and-long-term investments, and debt for 8 entities and reporting to the parent on an individual and consolidated basis subsequent to merger or acquisiton, understanding and paying attention to all legal and tax requirements in various countries. Scope of responsibility encompassed treasury, insurance, credit, cash management, risk management, bank relationships, pensions, and 401(k) funds. Directed all aspects of financing, including equity financing, forfeiting, factoring, currency swaps, and options. Managed investment fund portfolio management for pension and 401(k) funds, including insurance, money market, capital market, and international funds. Served as Secretary of Board of Directors for 8 companies.

EDUCATION / CERTIFICATIONS

BS, Business Administration-Finance / Accounting, Bellarmine University, Louisville, KYCertified Cash Manager [CCM] (Lifetime Certification), Association of Finance Professionals [AFP]

Affiliations

President, Kentuckiana Treasury Management AssociationFaculty, NACHA Payments InstituteCommittee, US Council for International BankingCommittee, World Services Mutual Association Committee, National Association of Women Business OwnersTreasurer, Women’s Forum of KentuckyTreasurer, Board of Directors, Colitis and Chron’s FoundationTreasurer, Kentucky Humane SocietyMember, Risk Management Insurance Association

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