Joy Matias

***** ** **** ****** ? Pembroke Pines, FL 33029 ? 917-***-**** ?

acgi82@r.postjobfree.com

Professional History

Ryder Systems, Inc, Manager, Financial Planning & Analysis

Miami Mar 2014-Present

(Central Support Services Corporate Planning)

- Represent Corporate Planning in supporting the Central Support

Services functions through financial reporting and variance analysis of

actuals, plan, strategic plan and forecast

- Manage forecast accuracy and analysis of variances for monthly and

quarterly results in addition to Earnings releases

- Manage the end to end process of the Corporate Assumptions inclusive

of communicating updates and variance impacts to the segments as well as

to Senior Management

- Provide support to the Legal, Environmental and Safety Department in

managing and analyzing their P&L inclusive of variance analysis and plan

and forecast updates

- Represent Corporate Planning as the Finance Lead for the

implementation of Hyperion

- Manage the Payroll Model utilized for Resource Planning during the

Strategic Plan, Plan and Forecast processes

- Deliver complete financials and analysis to Senior Management,

Segment and Global CFO/CEO

Citigroup, Vice President of Financial Planning & Analysis

Miami Feb 2010- Mar 2014

(Retail Consumer Bank, Latin America)

- Represent Regional FP&A in supporting the Global Consumer Bank and

Global Retail Bank through detailed reporting and analysis of clusters'

and countries' P&Ls and drivers combined with insight of Latin American

market and macroeconomics to ensure thorough understanding of region's

performance

- Manage flash and forecast accuracy and analysis of variances for

weekly, monthly and quarterly results, (approximately $1.1BN in annual

revenue and 6MM+ accounts) across the Retail business

- Provide support and analysis to forecasting process with focus on

variances, trends and accuracy

- Implement a weekly tracking, reporting and assessment of

country/cluster performance

- Support Finance Consolidation, Global Functions and Global Finance

via reporting and analysis of countries and products inclusive of

drivers, product mix, NRFF/Spread/NIM, RWA, RoBIII, Operating Leverage,

Efficiency

- Deliver complete financials and analysis to all Business/Product

Managers, Regional and Global CFO/CEO

Assistant Vice President of Financial Planning & Analysis

(AHS division of Wealth and Investment Management Latin America)

- Represent WIMLA FP&A in supporting the Regional Treasury, Central

Funding Desk and Business Development through detailed reporting and

analysis of client and product behavior combined with understanding of

market to ensure accurate forecasting and planning for WIMLA

- Manage flash and forecast accuracy and analysis for month end results

for revenue (approximately $18BN in revenue and 89,000 clients) across

the AHS businesses; ensure execution, delivery and review and streamline

process for flash monthly

- Provide support and analysis to forecasting process with focus on

process improvement

- Implement a monthly tracking, reporting and assessment of Net

Interest Margin across the business

- Support WIMLA, Finance, Central Funding Desk and Regional Treasury

via reporting and analysis of performance indicators inclusive of client

balances, product mix, NRFF/Spread/NIM

- Manage, validate and analyze accuracy of planning tools with

forecasted/planned NIM quarterly

- Deliver complete financials and analysis to all Treasury

Business/Product Managers

- Interact with Product Manager and Business Development to provide

insight and analysis for potential projects/campaigns focused on

business goals achievement

- Provide financial analysis, benefits and assessments of potential

projects under consideration

- Coordinate, provide support for and streamline end-to-end project

creation, submission and approval process

- Provide insight and profitability analysis for potential

intercompany and third party referral programs

- Develop detailed charts/presentations based on the Client Scorecard

to be updated and reported monthly

- Implement delivery of automated reports based on the Client

Scorecard to Business Managers and other relevant LOBs

JP Morgan Chase & Co., Finance & Business Management Associate New York

Oct 2006-Nov 2009

(Equities division within Investment Bank Technology)

- Manage financial reporting, budgeting and forecasting for the Global

Cash Equities Technology division under the Investment Bank.

- Maintain the Project & Account Reporting System of Global Cash

Equities projects, tasks, employees and contractors which consists of

300+ projects, 500+ personnel consisting of $200+mn.

- Maintain monthly accruals, billing keys, all invoice processing, and

PAR financial adjustments for all projects.

- Reconcile monthly actuals with forecast and original approved fiscal

year plan and assess Global Cash Equities' financial state.

- Create effective cost-cutting measures, which produce efficient

functioning of Global Cash Equities while remaining within/under fiscal

plans.

- Support Chief Business Technologists and Business Technologists in

understanding the financial performance, needs and scope of their

respective divisions

- Lead discussions and analysis of cross Line of Business allocations

to Cash Equities to verify validity and costs

- Communicate Corporate Finance agenda and execute targets as

regulated by Corporate and the Finance and Business Management

organization

EMTEK Solutions, Financial & Business Consultant (Deutsche Bank) New York

Sep 2005-Sep 2006

(Private Wealth Management division dealing with High Net Worth Clientele)

- Manage financial reporting, budgeting and forecasting for the Global

Technology and Operations (GTO) division under the Private Wealth

Management department.

- Maintain the Business Engine Network database of GTO projects, tasks,

employees and contractors which consisted of 100+ projects, 250+

personnel consisting of $50+mn

- Maintained monthly accruals, client allocation keys, all invoice

processing, and BEN financial adjustments for all projects

- Reconciled Client Allocation actuals with Deutsche Bank GTO actuals

from the General Ledger.

- Analyzed all infrastructure allocations into the business and

technology. This included all server based allocations (maintained

central server tracking sheet), headcount based allocations and

management allocations.

- Assess Deutsche Bank GTO's financial progress through analysis of

actuals versus plans for the fiscal year.

- Create effective cost-cutting measures, which produce efficient

functioning of GTO while remaining within/under fiscal plans.

The Transportation Group, Financial Analyst

London /New York Aug 2004-Sep 2005

(Boutique Investment Bank specializing in structured finance in the

aviation, ship and rail industry)

- Create and analyze financial schedules for sales and leases of

aircraft for major airlines worldwide.

- Market transactions to both debt and equity parties within the

European, Asian and US markets.

- Acquire and analyze aircraft appraisal curves to determine

competitive economic structures for clientele.

- Analyze tax benefits of tax leases including Japanese Operating

Leases, Swedish Tax Leases, UK Tax Leases, and US Leveraged Leases.

- Orchestrated the successful execution of several multimillion-dollar

sale and leasebacks.

- Compare varying economic structures of leases to determine accurate

application of GAAP and classification of operating and finance leases.

- Assist in M&A analysis and valuation of major European airlines.

- Verify correct implementation of FIN46 to leases under the

restructuring of a major North American airline.

- Arrange interest rate and currency swaps in connection with the

execution of leases.

Skills

Languages, English, Spanish, French

Technical, MS Word, Excel, Access, PowerPoint, Outlook, ACT!, QuickBooks

Pro, Lotus, Great Plains, ABC Optimization Program, MATLAB, Clarity, PAR,

BEN, Essbase,QRM, JADE, Business Objects

Education

Master of Science in Financial Mathematics, University of Chicago, 2004

Courses of Study: Fixed Income, Foreign Exchange, Risk Management

Portfolio Theory, Financial Analysis, Stochastic Calculus

Bachelor of Arts in Mathematics, Northwestern University, 2002

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