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Director of Finance, Controller, Financial Analyst

Blue Bell, Pennsylvania, United States
August 29, 2017

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James M. Pando, CFA

**** ******** ***** **** ****, PA 19422 215-***-****


Financial Professional with strong track record of delivering top performance including improving corporate cost structure and net income through financial analysis, problem solving, and due diligence. Research analyst with diversified experience in corporate finance, investments and engineering. Proven expertise in problem solving, analytical, team development, communications, and decision-making skills.


Successfully incorporated an outside lock box company to handle donation processing functions which increased efficiency and reduced expenses by 45%.

Successful partner in transforming a company by transitioning them with current technology to be poised for growth with significantly reduced dependence on conventional avenues of fund raising.

Conducted detailed analysis on donor database resulting in a 27% increase in response rate and a 12% increase in net income for the fund raising appeal program.

Performed an extensive cost analysis to determine profitability within the business and identified underperforming segments due to a high cost structure resulting in a labor reduction to improve net margins by 20 % and increased marketing effort toward more profitable business segments.

Evaluated new catalysts for economic optimization for a Hydrocracker processing unit based on product structure and duration. $1.5Million purchase based on my recommendation report. The result was increased product yield from the Hydrocracker generating an additional $12,000/day.


Zephyr Financial & Marketing Consulting, Blue Bell, PA 2016 - Present

Zephyr takes pride in helping small businesses determine, track & improve their company financial position by analyzing financial data including income, expense and revenue generating streams for profitability and ROI.


We perform an extensive cost analysis to determine profitability within each segment of the business to identify underperforming areas and make recommendations to improve the overall performance & efficiency of the company.

Ascension Publishing, LLC/Mater Dei Media, Inc., Exton, PA 2014 – 2017

Ascension is the publisher of a multitude of Catholic faith formation products. Mater Dei is an incubator for Catholic businesses.

Controller/Business Analyst

Reported directly to the COO/CFO (Ascension) and responsible for the smooth and efficient operation of the Accounting department. Report directly to the CEO (Mater Dei) and responsible for financial and business analysis of potentially viable Catholic businesses.


Produced an increased overall awareness of the company’s financial position and stability.

Analyzed potential business ideas for viability and profitability by forecasting revenue generating streams and analyzing expenses through detailed financial analysis.

Responsible for the on-going management of all financial activities including cash flow forecasting for management insight.

Managed a previous problem employee into an efficient and productive employee.

Developed and managed the organization’s annual $11 million operating budget.

Revamped and updated the company’s royalty database for Authors.

Produced timely and accurate financial reporting results for executive management.

Overhauled and managed the organization’s financial software to ensure the accuracy of data.

Central Association of the Miraculous Medal, Philadelphia, PA 2007 – 2014

This company is a Catholic non-profit that helps the apostolic works of the Vincentians (Priest order of Saint Vincent DePaul).

Director of Finance

Reported directly to the Executive Director and served as the internal leader of the organization. Responsible for the performance and training of approximately 20 employees in the areas of Finance, Information Technology, Data Entry, Mailroom and Maintenance functions. Developed and managed the organization's annual $5 million budget as well as oversee the annual audit process.


Oversaw and consolidated all investment ($4 million) and bank accounts ($1.5 million) within organization to significantly reduce fees by over 70% and ensure the performance of funds

Installed and implemented Point of Sale software to manage inventory of religious items and Gift Shop which increased efficiency of inventory control reducing inventory carry costs by 25% while increasing sales over 10%.

Managed the online donation system and increased revenue from less than $100,000 to nearly $500,000 annually.

Successfully transitioned the organization’s server data network to the cloud eliminating hardware and maintenance costs with an annual savings of $25,000.

Obtained and managed income and licensing for CGA accounts as well as monitoring accounts to ensure compliance with differing state laws.

Oversaw the technology infrastructure including server cloud network, donation processing and gift acknowledgment to ensure the integrity of the financial information

Managed, analyzed, and modified the organizations fund raising appeals process which included 15 Direct Mail (2 million pieces) and 25 Email campaigns (3 million pieces) to improve response rates with the long term objective of increasing improving net income.

B & M Landscaping Inc./Arista Pool & Spa, Inc, Collegeville, PA 2005-2007

B&M Landscaping grew into a small construction company doing site work, excavating, paving and landscaping in new residential developments. Arista is a custom in ground pool builder.

Controller/Financial Analyst

Reported directly to the owner of both businesses and was responsible for all financial and business analysis for these companies with revenues in aggregate of over $8 million.


Recommended and implemented changes to increase the viability of the business. Reducing man power on jobs, divesting assets and adjusting prices in line with market increasing net income by 35% in those business segments.

Implemented new accounting system and software to track information more efficiently and better analyze company performance to make the company more competitive.

Prepared and monitored the $8 million annual budgets and developed forecasts.

Generated internal financial statements (Balance sheet, Income & Cash flow statements).

Preformed financial analysis for capital expenditure decisions.

Navillus Securities, Inc. West Conshohocken, PA 1999-2003

Navillus was a securities day trading firm with over 40 traders.

Equity Trader

As a Proprietary Trader with $1 million buying power, was responsible for evaluating financial assets on a fundamental and technical basis; performing daily market research to evaluate the internal workings and behavior of the market; extensive trading on the NASDAQ and NYSE.

TEXACO, Inc. Delaware City, DE 1988-1999

Process Engineer

Provided solutions to operational and process related issues, optimized processing units and preformed economic analysis of new technologies for the world's fourth largest publicly traded energy firm.


Responsible for the purchase of Natural Gas to ensure stability throughout the refinery fuel gas system by analyzing and forecasting fuel gas production and consumption within the refinery which saved roughly $15,000 monthly.

Optimized fuel mixture in steam producing boilers to reduce air pollutants resulting in more regulatory compliance.

Responsible for managing the commercial product mix leaving the refinery.


University of Delaware, Newark, DE

Bachelor of Chemical Engineering

Chartered Financial Analyst

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