Caye L. Cruz

**** ***** **., #****

Denver, Colorado 80229

720-***-****

ab8xug@r.postjobfree.com

Career Focus

Knowledgeable, enthusiastic, and motivated professional looking for a position that allows

for problem solving skills, strategic planning, and accounting. One who has the skills and

ability to provide effective and efficient solutions, increasing productivity and profitability.

Excellent organizational skills, accustomed to handling proprietary information, and having

a demonstrated history of producing accurate accounting and financial reports within strict

deadlines.

Summary of Skills

• Credit Analyst • Credit/Collections

• Accounts Payable/Receivable • Cost Accounting

• General Ledger Reconciliation • Client Relations

• Account Management • Client Billing and Reconciliation

• Fraud/Risk Analyst • Operations Analyst

• Analytical Reporting

Accomplishments

Reporting

• Implemented processes that utilized accounts receivable sub-ledger for

accounting and customer reporting.

Data Analysis

Verified numbers, GL postings, and

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documents to ensure validity of mathematical accuracy and proper coding, including

coding of invoices, tax calculations, and entry.

Accounting

• Comparative analysis of Income Statement, Balance Sheet, and Cash Flow for

numerous clients to ensure credit stability.

• Analyze and prepare foreign exchange transactions for Accounts Payable/Receivable.

• Analyze, reconcile, and prepare A/R and A/P general ledger entries and reconciliations,

as well as analysis of General Ledger accounts.

• Assist with special projects related to fiscal audit.

• Assistant A/R Supervisor - managed four to six employees, maintained billing,

collections and payments for clients. Completed credit review for approval of new

clients, both builders and commercial clients; credit verification, payment history, etc.

• Created, designed, and implemented an Excel Accounting System for working non-

profit.

Education

Bachelor’s Degree, Business Administration/Finance

Pursuing Masters in Accounting, expected graduation, May, 2014

Professional Experience

TransFirst, LLC March, 2011 to Current

Credit/Risk Analyst

Broomfield, CO

Review high risk credit card transactions - determine validity of transaction.

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Assess "high-risk" merchant accounts to ensure legitimacy of business - research internet, site

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inspections, and location verification.

Financial Analysis - Income Statement, Balance Sheet, Profit & Loss, Bank Statements and Tax

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Returns to determine profitability and credit limits.

Approve, reverse, and/or reject fraudulent transactions.

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Contact with merchants, issuing banks, and other outside agencies.

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Process, analyze, and review data within the M/C and Visa interface to ensure merchants not

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listed for fraud, identity theft, etc.

Ultimate Acquisitions Partners, LP April, 2003 to March, 2010

Accounting Analyst

Thornton, CO

Analyzed payment patterns of customer delinquency to recommend future action; i.e. Legal

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action or contact and maintain.

Evaluate customer records and provide recommendations to close account, reduction of credit

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limit or extension, and document collection attempts, based on earnings and savings data,

payment history, and purchase activity of client.

Consulted with credit associations and businesses to analyze similar credit ratings and

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address information; i.e. skip tracing.

Conducted Interviews with customers in person or telephone to investigate complaints, verify

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accuracy of charges, or correct billing errors.

Internal auditing; daily management of billings, collections, reconciliation, general ledger and

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month-end entries; primarily accounts receivable general ledger accounts.

Prepare and reconcile journal entries to General ledger for Balance Sheet Accounts.

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Vendor Payable and Receivable processing and analyzing data, posting payments and

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collections of delinquent accounts.

• Process returns to vendors, including billing and communication for collection.

Maintain cash deposits and postings.

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Dataworks, Inc. October, 2001 to May, 2003

Credit/Accounting Analyst

Denver, CO

Accounts Receivable collections and billing for customer database.

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Cash posting and reconciliations

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Credit Verification

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Human Resource Supervisor

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Create and design Manger's Redbooks for TacoBell and Red Lobster, as well as other clients.

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Proficiencies

Oracle, SAP, MAS 90, QuickBooks, Cognos

Microsoft Office – Word, Excel, Outlook, MS Access, PowerPoint

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