SUMMARY OF EXPERIENCE:

Proven technical and functional resource with over 14 years’ experience designing, implementing, testing, training and supporting multiple SAP FICO, FSCM, FICA, Corporate Treasury and Banking projects across Latin America, North America, Europe and Asia. He has implemented for both Public and Private sectors globally (CPG, Public Sector, Chemicals, Telecoms, Metals, Pharmaceuticals, Insurance and Energy) on R/3, ECC 5.0 and 6.0 platforms. A motivated self-starter, able to quickly grasp issues and great attention to details. Well proficient in best practices template for optimal result.

SAP SKILLS:

SAP FI AP, AR, New G/L

FSCM – In House Cash

oCash pooling, Netting, IC bill settlement and IC loan processing, Zero Balance Account

FSCM Cash Management/Transaction Management/Liquidity Planner

oCash Management-Cash Position, Bank Accounting, Liquidity Forecast, Liquidity Planner, BPC

oInternational banking correspondence & Interface (Treasury, Lockbox, Electronic Bank Statement & Swift processing).

oTreasury Debt/Investment SOX Compliance and Internal controls

oTreasury Investment and Debt Management- Money Market, Foreign Exchange FX, Derivatives and Securities Hedge and Market data Management (FAS 133 &IAS39)

FSCM - Dispute Management:

FSCM – Collections Management

FSCM Credit Management

FSCM Payer/ Biller’s Direct: Integration with FI-AR

FSCM EHP 6.0 - Bank Communications Management

oSwift Integration (MT940, 942, 101, 103), BAI1, BAI2 & XML 20022, SEPA & SWIFT

oPayment Medium Workbench, EDI and IDocs

PSCD & FSCD – Collections and Disbursement

oFICA: Contract Accounting, Insurance Object, Incoming Payments, Payment Program, Dunning, Returns and Installment Plan

IS Banking: Consumer & Mortgage Loans

oDeposit Management (SAP DM), Bank Customer Accounts (SAP BCA), Loans Management (SAP CML), Collateral Management (SAP CM), Bank Analyzer (SAP BA)

SAP CO – CCA, PCA

Strong SAP FICO Instructional and Classroom Trainer (Multiple training sessions with SAP America and SAP Philippines)

EXPERIENCE:

Prince George’s County MD Jul 2013 – Present

FI Lead

Responsible for design, build, test of treasury accounting transactions, bank accounting, account receivables, account payables, and cash management. This includes managing all configuration and development of RICEFW design to meet the reporting requirement for treasury. Integration with third party contractors to assure business process and relevant accounting transactions meet business reporting requirement. Provided leading practices and process development with primary focus on treasury financial instruments, enhanced cash journal processing, cash application and bank processing for previous and intraday bank statements (BAI2).

Key project achievements:

Drove functional/technical blueprint and business process modeling/concepts based on SAP best designs and practices.

Provided functional and process expertise on bank accounting, account receivables, account payables, and cash management.

Defined integration points between different modules – bank accounting, Account Receivables, Accounts Payables, Grants Management and Fund Management

Defined processes on treasury/cash position and cash forecast report (including Liquidity forecasts, Electronic Bank Statements, Bank Reconciliation Statements etc.).

Defined Money Market Operations and Accounting

Transaction Manager Customizing (Money Market, Foreign Exchange, OTC-Derivatives, Mirror Deals, Authorization Management, Market Data Management, Workflows)

Master Data aspects including that of business partners, security/interest/forex details etc.,

F111 TR payments, cash concentration, F110 AP payments

Configured BCM workflow, batching rules, payment status monitor, and bank statement monitor.

Developed conversion path to convert payment format to Payment Method Workbench (PMW) format.

Designed and configured configuration of payment methods encompassing Manual vs. automatic payment, free-from payment, ISO 20022 XML and non-ISO format payment

Integration knowledge of CM/TR with other modules of SAP

Developed a longer term solution on Liquidity Forecast, Liquidity Planner

Developed processes on Treasury SOX Compliance and Internal controls

Advance level functional knowledge of cash management processing.

Automatic Payments - ACH Payments, Wire Transfers, Bank Interfaces and other outgoing / payroll postings(including check payments)

Defined and configured account structure for bank reconciliation and treasury postings

Incoming payment processing and Cash application - Enhancements for increasing the hit rates

Designed and configured processing rules using search string rules

Led blueprint on customer master and business partner integration for funds management

Reviewed master data requirements for all categories in FI/CO configuration by mapping legacy objects and hierarchies to the SAP object repository and hierarchy structures.

Defined multiple WRICEF objects as gapped during blueprint.

Design - determined business requirements, identify conversion objects, and write functional specifications to meet requirements.

Data Cleansing -identify opportunities to cleanse data in source system, develop metrics, work with business partners to execute cleanup and track progress

Development - worked with development team to build and unit test conversion programs

Testing - Execute functional and integrated testing. Defect analysis and resolution.

Conversion - Plan and Execute production go-live conversions.

Reconciliation - Design and execute reconciliation processes

Worked on Interest Calculation, Dunning and Interest Charges.

Developed and trained in FICO AP, AR and GL

Worked with business process owners to develop course outlines and End User training materials

Conducted multiple train the trainer session with business SMEs.

SAP America/Honeywell Inc. Dec 2012 – July 2013

FSCM Lead

Provided functional and process expertise on In-house Cash and SWIFT global disbursement/network integration using FSCM - BCM (Bank Communications Management) and In House Cash solution. Primary focus on SWIFT integration using SIPS, banking systems and electronic banking interfaces specifications, message exchange with banks via SWIFTNet Alliance Lite 2, payments batching and payment medium workbench. Advised and implemented Collections, Dispute and Cash Management Integration.

Key project achievements:

Drove best SAP designs and practices based on functional/technical blueprint and existing IT infrastructure business process modeling/concepts

Defined and developed a new process to achieve optimization for finance on cash and banking process

Provided Advance level functional knowledge of SWIFT integration package.

Provided functional and process expertise on SWIFT global disbursement and network integration using FSCM - BCM Bank Communications Management via SWIFTNet Alliance Lite 2, payments batching and payment medium workbench.

Creation of a Centralized (In House) Bank and Pay-On-Behalf (POB) functionality

Intercompany settlement

Validation and documentation of local legal requirements on bank area set up and bank account ownership

Created functional/technical specifications for RICEFW items.

Developed end-to-end configuration documents for global SWIFT disbursement steps including BCM customizations, BCM connector interface and SAP Integration Package for SWIFT (SIPS).

Assisted in designing SAP’s BCM Connector interface for multiple BCM instances.

Configured BCM workflow, batching rules, payment status monitor, and bank statement monitor.

Developed conversion path to convert payment format to Payment Method Workbench (PMW) format.

Designed and configured configuration of payment methods encompassing Manual vs. automatic payment, free-from payment, ISO 20022 XML and non-ISO format payment, Domestic vs. foreign payment, SEPA payment, MT940, MT950, MT942, MT103 and MT101.

Assisted to onboard pilot house bank (Deutsche Bank) in SWIFT FileAct messages exchange using parameter files.

Guided technical team on SAP Integration Package of SWIFT (SIPS), outbound payload messages, inbound SWIFT messages, and inbound bank PAIN 002 messages.

Configured Electronic Bank Statement to automate payment open items and bank accounts reconciliation.

Advised and implemented Collections, Dispute and Cash Management Integration process integration.

Implemented a global bank master update with AP, VIM, T&E and Payments integration

Knowledge of external and internal best practices relevant to aligned process areas

Assisted with end-to-end integration testing and User Acceptance Testing and provided go-live support.

Developed and trained in FICO AP, AR and GL

Worked with business process owners to develop course outlines and End User training materials.

Prepared and built data set and scenarios for user training.

Recorded training materials and instruction video using RWD Infopak.

Conducted multiple train the trainer session with business SMEs. Train the Trainer.

Abbott Laboratories/IBM, Chicago, Illinois 09/2010 –Dec 2012

FSCM Lead

Provided functional and process expertise in module areas of FI-Finance (Credit Management, Accounts Receivable, Collections & Dispute Management, Cash management, In House Cash, AP BCM and Treasury.

As SAP FSCM lead, worked closely with the team on the end to end processes over all FSCM modules and bank reconciliation for the organization. Led AP/AR/Treasury requirements gathering sessions during the blueprint phase. Performed fit gap analysis based on the business requirements in the BPD. Provided content experience on FSCM integration with other SAP modules

Key project achievements:

Performed all tasks in development cycle, starting from business process definition, to configuration, unit testing, user testing, coordination of transports to Production, training and post-live support and fixes.

Led development of Treasury's SOX effort and the company's approach to measuring direct cash flow, including processes of accounting for financial instruments (stocks, fixed term deposit, commercial paper, facilities and interest rate instruments

Implemented Treasury Money Market/Cash and Liquidity Forecast, Credit, Collections, Dispute Management, FSCM, bank reconciliation and Customer Claims Programs.

Configured multiple BADIs/user exits in Dispute and Collections Mgmt (RMS ID, Element types, Record Model, Workflow, Work list, Promise to Pay and process integration with AR).

Defined and configured credit segments, Rating procedure, formulas, limit calculations, Risk Classes and integration with D&B

Developed functional specs for ABAP development (User Exits and BADI) and LSMW for data upload.

Summary Scope for treasury includes data recording, data capture and accounting for Local equity investments and foreign equity portfolios managed by external Asset Managers as well as by the client.

Investments on local and regional long term debt instruments

Loans to 3rd parties

Investments in in local short term/money market instruments

Extensive experience in working with business and IS, to ensure an effective process design, fit/gap analysis and managing integrity of a global template.

Performed fit gap analysis based on business requirements in BPD.

Responsible for writing functional specs RICEFW items and also created configuration documents.

Hands on configuration in ECC FI-AR, FI-AP, GL, SWIFT FileAct bank integration and all FSCM modules including Biller’s and Payer’s Direct.

Provided content experience on FSCM integration with other SAP modules.

Developed and trained in FICO FSCM, AP, AR and GL

Worked with business process owners to develop course outlines and End User training materials.

Recorded training materials and instruction video using RWD Infopak.

Conducted multiple train the trainer session with business SMEs. Train the Trainer.

Developed and maintained configuration and functional design documents on FSCM and SWIFT integration.

Assisted with end-to-end integration testing and User Acceptance Testing and provided go-live support.

SAP, Manila, Philippines 08/2010 -09/2013

FICO/FSCM Instructor/Trainer

Provided periodic content and classroom training in an Academy environment to SAP clients in areas of FI-FSCM specifically FSC020 and FSC200- Processes and Customizing in Credit Management, Biller Direct, Cash, Collections and Dispute Management.

Key project achievements:

Focus of these courses are processes in SAP FI Credit Management, SAP Biller Direct, SAP Dispute and SAP Collections Management, Cash Management, Transaction Manager and Customizing SAP Dispute and SAP Collections Management.

Cash Management including Liquidity forecasts, Electronic Bank Statements, Bank Reconciliation Statements, Master Data aspects including that of business partners, security/interest/forex details etc.,

Integration knowledge of CM/TR with several other modules of SAP

Helped develop materials End User Training (EUT) sessions

The Timken Company, Canton, OH 12/2009- 07/2010

FICO-FSCM/Cash Management Consultant

Implemented SAP FI- AR, AP, New G/L, Cash Management, Treasury, Dispute Management, Collections and Credit Management. Worked with different business units in gathering requirements and defining a solution to enhance revenue management. Ensure technical and functional designs meet business requirements. Prototyped SAP Biller’s Direct for A/R Integration. Provided user training and production support

Key project achievements:

Facilitated and managed blueprint phases with focus on key business processes and Integration (Order to Cash, Procure to Pay), Cash Management, Dispute and Collections Management, Case and Record Management and Credit Management.

Configured FI-AR, AP, Business Partner/Customer synchronization, Vendor Master, Bank Accounting/Recon, EDI/IDOCs, Intercompany Billing and Receivables, Dunning and tolerances.

Developed global strategy on International Banking for all subsidiary and FX Valuation.

Configured Cash Position, Cash Forecast, Electronic Bank Statement processing (BAI2, SWIFT, Current Day and Prior Day).

Created different treasury reports related to daily treasury processes using drilldown reports and SAP Query.

Configured multiple BADIs/user exits in Dispute and Collections Management (RMS ID, Element types, Record Model, Workflow, Work list, Promise to Pay and process integration with AR).

Defined and configured credit segments, Rating procedure, formulas, limit calculations, Risk Classes and integration with D&B.

Developed functional specifications for ABAP development (user exits and BADI) in 1099 MISC Reporting-US Withholding tax/IRS transmission file and LSMW for data upload.

Provided support on FI-Asset Accounting, CO-PA and CCA.

Developed day/month-end bank reconciliation and close procedures.

Assisted with user and integration testing, coordination of transports to production.

Accenture, Chicago, IL June 2009 – December 2009

Treasury/Cash Management Consultant

Provided SAP Treasury and Cash Management content expertise for Accenture’s in-house treasury transformation project in over 100 countries. Worked with BPOs in TR/AR/AP departments to capture processes in business operations for 150+ affiliates.

Key project achievements:

Responsible for gathering requirements and identifying treasury and cash accounting functional needs and translating these into system configuration and specifications.

Designed best of breed solution for transaction manager (securities, money market, derivatives and fx trading operations) and cash/liquidity management and mapping them to standard SAP processes within project scope.

Designed and configured cash forecast, liquidity planner, swift messaging, in-house cash, bank accounting, Lockbox, electronic bank statement processing and reconciliation, outgoing and incoming payments and payment medium workbench.

Payment batching and approvals using bank communications management (BCM).

Led development of Treasury's SOX effort and the company's approach to measuring direct cash flow, including processes of accounting for financial instruments (stocks, fixed term deposit, commercial paper, facilities and interest rate instruments.

Defined best of breed solution for FI AP, AR, GL, AA, IC Billing and Receivables, Transaction Manager (securities, Money Market, Derivatives and FX trading operations) and Cash/Liquidity Management (Cash Position, Forecast and Liquidity Planner) and mapping them to standard SAP processes within project scope.

Defined processes and strategy around business partner roles, cash pooling, netting, IC bill settlement and IC loan processing using SAP in-house cash.

Designed and wrote specifications (RICEFW) for data migration and conversion utilizing LSMW.

Created customized reports using SAP drilldown reporting and SAP Query.

Developed BPPs and supported project through unit, integration and regression test using HP Quality Center

Assisted with end-to-end integration testing and User Acceptance Testing and provided go-live support.

Latin American Agriculture Development May 2009 – June 2009

Treasury/Cash Management Consultant

Primarily involved in blueprinting, implementation and support of SAP IS-Banking, FI-CA Loans Management solution for LAADSA, a private investment and development company, with operations in Latin America.

Key project achievements:

Provided detailed blueprint session covering loans lifecycle with functions and associated customizing settings in SAP loans management solution FI-CA "CML – Consumer and Mortgage Loans" and integration with Collateral and Deposit management.

Defined and configured complete loan process for loans given and loans taken from potential contract-to-contract disbursement and processing collaterals associated with loan with basic accounting and inventory management functions.

Configured Collateral Management integration with Loans Management.

Defined and configured financial services business partner groupings and structures as applicable.

Strong FSCD integrating experience with General Ledger (GL).

Configured contract accounts and insurance objects.

Configure FSCD to enable all accounts receivables and payables (AR/AP).

Set up dunning and correspondence.

Defined and configured many FI-CA components: Security Deposits, Dunning, Payments, Account Determination, Settlement Rules, Refunds Collection Agencies, Installment Plans Write-Offs/Value Adjustments.

Defined and configured different loans product types, contract creation, business operations, rollover, periodic processing and integration with cash management.

Defined a structured incoming payment processing that facilitated quick receivables management.

Defined and configured processes around foreign currency loans valuations.

Developed custom reports using SAP Query.

Government of Province of Nova Scotia February 2009 – May 2009

PSCD- FI-CA/Treasury/CML Loans Management Consultant

Designed an upgraded roadmap for SAP CM Loans and Treasury modules for province moving from SAP R/3 4.6c to SAP ECC 6.0.

Key project achievements:

Configured and customized different loan types to meet business requirements. Emphasis on business partner conversion from old to new financial services business partner), collateral management, custom development objects (RICEFWS - Report, Interface, Enhancement, Form, Workflow, Service) and PSCD - PS Contract Accounting (PSCA) and Cash Management integration.

Presented a clear blueprint session on major improvements for SAP CML and Treasury module upgrade along with Cash Management and PSCD integration using contract accounting.

Configured collateral management integration with LM to manage and evaluate assets agreed as collateral. Provided data extractors and content for BI integration.

Redefined and configured a comprehensive structure for new financial business partner and FI customer synchronization and integration.

Redefined complete loan process and underlying transactions of contract acquisition and managing collaterals (Collateral Value Calculation FRIL, VRBL, ARIL) and payoff scheme.

Prototyped IS Banking (BCA and AM), Bank analyzer BC 4.0.

Strategized and configured new process around loan conditions - dunning, contract accounting, contract termination, repayment settlement, value adjustment and interest on arrears calculations.

Redefined and configured cash management integration with loans management for bank statement and payment processing and cash reporting (cash forecast and position).

Enel Inc October 2008 – February 2009

FI FSCM/FSCD- Treasury Project Lead

ENEL North America, an energy producing company with global operations. Project was designing its North America operations on ECC 6.0 platform. Blueprint focused on IS-U, FSCD-FICA, FI-AR, AP, New GL, Dispute Management and FSCM Treasury Money Market/Cash Management/In House Cash for streamlining its trading transactions and cash flow management, capturing FX trades and mitigating impact of F/X rate fluctuations.

Key project achievements:

Presented SAP FSCM and FSCD FICA, demonstrated its concepts and use in helping business understand functional requirements.

Led blueprint discussion on IS-U (FS Business Partner, FSCD, Contract Accounting, Installment Plans, Broker Collections, Dunning, and Correspondence) FI-AR, AP, GL, FSCM Dispute and Collections Management, Cash Management and Treasury Transaction Manager.

Designed and processed business partners, contract accounts and insurance objects.

Designed and created master data models in FS-CD.

Designed and configured Transaction Manager (FX, Money Market, Securities and Derivatives), cash position/liquidity forecast, AP and treasury payments, electronic bank statement, in-house cash, cash position and forecast, Lockbox, and exchange rates, portfolio and market risk analyzer.

Defined a competitive solution in processing different trade settlements covering major commodities and product types within energy trading industry (physical oil, natural gas, electricity, financial swaps, options, delivery costs and brokerage fees).

Designed a conversion roadmap for FX open contract and FI balance upload.

ConAgra Foods April 2008 – October 2008

Treasury/CFM Cash Management Consultant

Designed ConAgra Food’s world-class treasury processes covering countries in Americas, Europe and Asia by leading, driving and guiding discussions within corporate treasury and AR department. Project focused on creating a centralized treasury operation using Transaction Manager, improving AR/AP operational efficiencies using SAP Dispute and Collections Management. Replaced JP Morgan’s Insight with SAP Cash Management and In-House Cash for payment netting:

Key project achievements:

Responsible for gathering requirements and identifying treasury and cash accounting functional needs and translating these into system configuration and specifications.

Defined best of breed solution for Transaction Manager (securities, Money Market, Derivatives and FX trading operations) and Cash/Liquidity Management and mapping them to standard SAP processes within project scope.

Designed and configured Cash Management (cash position/liquidity forecast/planning, AP and treasury payments, electronic bank statement, Lockbox), Transaction Manager (FX, money market, securities and derivatives instruments) and SEM-BPC tool for cash flow planning.

Designed and developed an in depth Inter-company settlement and foreign payments procedures using In House Cash IHC module.

Reorganized treasury department by setting up new procedures for cash forecasts and a single global banking platform with JP Morgan for centralized EBS reporting and treasury payments.

Developed detailed functional specifications, enhancements and modifications documentation.

Designed, configured RMS IDs, Service Providers, Element types, Reason codes for dispute case processing automation.

Stabilized post-implementation and production downs/issues for Treasury and Bank Reconciliation.

Propex Inc. March 2008 – April 2008

Treasury/Cash Management Consultant

Provided SAP Treasury and Cash Management content expertise to review and revise Propex’s SAP treasury implementation, specifically around global Cash Management, FX and Money Market trading, global cash management activities and invoicing solution.

Key project achievements:

Resolved critical issues around bank interfaces and Bank Accounting (BAI, BAI2, Swift, ACH, FedWire).

Recommended changes that comply with best-practices policies on trading and cash management processes. (Electronic bank statement processes, implementation of services and foreign exchange activities and funding of foreign operations).

Reviewed company’s Global bank entities and advised on plan and strategy on consolidation, future SAP In-house Cash implementation for centralized payments.

Developed various reports related to payment card processing and payment program.

Provided required expertise on design validation, best practices, standards, methodology and guidelines.

Johns Manville September 2007 – March 2008

Senior SAP FSCM Project Lead

Single-handedly designed and implemented SAP Financial Supply Chain Management module. A key objective was to bring treasury on schedule (brought in-scope 6 months after project start).

Key project achievements:

Assessed JM’s trading and cash management operations, cash application and payment deductions.

Redesigned a global blueprint roadmap and solution that meets treasury, AP and AR business needs and ensuring configuration matches these requirements for financial budgeting.

Facilitated FI AR, AP, Treasury and Cash workshops and prototyped business requirements.

Designed a global Treasury operation that eliminated foreign currency risks, optimized lending/borrowing process, streamline inter-company loans, Intercompany bill settlement, sales/purchase transaction settlements, and liquidity forecast in cash planning. (SAP cash position and forecast, transaction manager).

Defined and configured structure required for short and medium term liquidity monitoring using grouping structures and planning levels for cash position and forecast with value-dating for cash funding and investment.

Reviewed company’s global bank entities and redesigned with focus on consolidation and centralized payments across foreign entities (over 20) using in House Cash.

Redesigned Johns Manville’s revenue management processes for greater flexibility and efficiencies; specifically AR and AP payment deductions using SAP Dispute and Collections Management

Created different SAP Query reports for Treasury, Bank Statements and aging reports.

Hitachi Consulting June 2006 – September 2007

FICO/Treasury/Cash Management Consultant

Provided expertise and led discussions on multiple FLC projects from blueprinting to go-live for different client and industries (Chemicals, Metals, Telecoms, Insurance and Energy).

Key project achievements:

Designed and implemented FICO modules (New GL, AP, AR, CCA, PCA, Banking, Payment Card, CCA) FSCM Suite (Dispute Management, Collections Management, Cash Management, In-House Cash, Billers Direct), FSCD, ISPS, IS Banking and Insurance (Customer Financials Management).

Implemented FI AR (OTC), AP (PTP), New GL Document Splitting, Cash Management (Cash Position and Forecast, Lockbox, Electronic Bank Statement) Treasury (Transaction Manager - Money Market, Securities, Forex and Derivatives, Market Risk Analyzer, and Portfolio Analyzer for Hedge Management), FICA (Business Partner, Contract Account, Insurance Object, Dunning, Returns, Correspondence, Installment Plans, Payment Program, Interest Calculation), In-House Cash (Intra and Intercompany Payment) FX Trading - Spot/Forward contract, FX Rate Translation and Valuation.

Implemented FSCM and IS-Insurance Customer Financials Management (Dispute Management, Collections Management, Disbursement Management, Credit Management and Biller’s Direct – Electronic Bill Presentment).

Implemented SAP IS-Banking solution for a public sector organization specifically Loans Management SAP CML with collateral Management and IS-PS.

Interfaced with several global banking platforms (ACH, BAI2, Swift Messaging, ACH, FedWire).

Defined roadmap for Legacy data conversion using LSMW for data conversion/upload and 1099 MISC Reporting-US Withholding tax for IRS transmission.

Hands on configuration experience in end-to-end implementation of Collections and Disbursement modules (Business Partner, Contracts Accounting, Payment Plan, Dunning and Correspondence).

NII Holdings January 2001 – February 2006

SAP Senior FICO Consultant

Global SAP FICO/CFM Implementation in North, Latin and South America for Telecomm provider. Three-phased global Rollout with multiple interface customizations to SAP R/3 platform.

Key project achievements:

Transformed business requirements into functional and technical designs

Responsible for gathering requirements and identifying FICO and treasury accounting functional needs and translating these into system configuration and specifications.

Defined best of breed solution for FI AP, AR, GL, AA, IC Billing and Receivables, Transaction Manager (securities, Money Market, Derivatives and FX trading operations) and Cash/Liquidity Management (Cash Position, Forecast and Liquidity Planner) and mapping them to standard SAP processes within project scope.

Led IT detailed design to centralize payments for each region (North America, Latin America, Europe, Asia) using SAP In-house Cash (EDI, IDOC and File handling)

Led design on FI-AR, SD integration (Order to Cash), AP-MM integration (Procure to Pay), Cost Center Accounting (CCA), Profit Center Accounting (PCA), Interface development (RICEF), Collections and Dispute Management, FX Translation and Valuations, Banking-Lockbox

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