Financial Analyst

JOSE A GRANIZO

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

Valrico, Florida 33594

Telephone: 813-***-****

E-mail: *******.****@*****.***

Professional Summary:

Significant diversified professional with experience extending 20 years in

Accounting/Finance in International Banking (Private Banking) with

financial analysis and reporting skills.

Proficient in Microsoft Office, including MS Word, MS Excel, Outlook,

PowerPoint, Hyperion, Globus, Midas, Jack Henry & Silver Lakes, Familiar

with IPS - BPS Sendero, Report-2-Web, Proseries, and Quickbook, Quality

control, Monitoring.

Bilingual: Spanish/English, both verbal and written

Professional Experience:

Randstad USA - Business Analyst U.S. Regulatory Reporting - Citi Bank

Consultant, Tampa, FL 11/2012 - 03/14

. Prepare FR 2900 Report For BANAMEX USA

. Reconcile Internal G/L to Subsystems.

. Prepared Back Up Schedules for CBNA FR 2900 Report

. AD-Hocs Projects

Granizo's Income Tax Services

Accountant / Principal, Valrico, FL

01/2009 - 11/2012

. Income tax preparation and electronic Filing, Advising new businesses on

formation of corporations. Proposals to Banks and other Organizations

"SBA". Assistance with IRS audits. Notary Services

Brickell Personnel - Gibraltar Private Bank & Trust - Santander Bank

International Financial Analyst -Consultant, Miami, FL

02/2008 -- 01/2009

. Assisted the Controller with month end closing entries including

accruals, prepaid deferred fees, depreciation, amortization and accretion

of discount and premiums

. Prepared daily and monthly general ledger reconciliations including DDA

accounts

. Researched and resolved all outstanding items on reconciliation reports.

. Prepared tangible tax returns 945 and 1042, annual escheatment checks to

the State of Florida

. Prepared and submitted FR 2900 / Managed Reserve Requirements

. Assisted the Controller in the preparation of periodic schedules for the

Board of Directors and Holding Company reports

Robert Half International 12/2006 - 09/2007

Financial Analyst-Consultant, Miami, FL

. Various assignments with local banks

. Duties varied by assignment but were focused on General Accounting,

Reconciliations, account analysis, Financial and Regulatory Reporting and

Special Projects.

American Express Bank Int'l 09/1994 - 09/2006

Financial Analyst, Miami, FL

. Responsible for the collection and consolidation of financial and

business related data. This includes the monthly "MIS Book" for the AEBI

President and senior management

. Prepared numerous ad-hoc business analysis report requests from senior

management in Miami and New York

. Involved with Regulatory Reporting including CALL REPORT

. Participated in the creation of the global MIS private banking reports

o One initiative led to the creation of the relationship manager

performance compensation scorecard. This initiative supported

marketing functions by measuring performance attributed to sales,

attrition, market fluctuation and transfers.

o Another initiative was to establish algorithms that served as the

basis for a client profitability measurement model. Through this

we were able to track NFR, cost of funds transfer pricing, unit

costing and revenue expense allocation.

. Prepared and submitted Stage II monthly financial results, quarterly and

annual reports to Corporate HQ

. Intercompany Analysis and Bank Reconciliations

Chase Federal Bank (FSB)

08/1993 - 09/1994

Accounting Officer, Miami, FL

. Responsible for obtaining and compiling various data for the preparation

of various financial statements and reports required by the company,

external auditors, the federal reserve bank and regulatory authorities.

. Responsible for developing and preparing new financial reports for senior

management or regulatory authorities.

. Special Projects.

Chase Manhattan Bank Int'l

04/1987 - 08/1993

Sr. Accountant, Miami, FL

. Responsible for the preparation, analysis and submission of monthly

financial / management results via automated report system.

. Responsible for the preparation and analysis of monthly senior management

performance reports via computer interface.

. Assisted the management accounting manager in preparing monthly forecast

and annual business plan.

. Assisted the financial accounting manager in the preparation of the Board

of Directors financial statements, various regulatory reports and

property tax returns.

EDUCATION:

Year 1985: Montclair State University - Upper Montclair,

N.J.

. Bachelor Degree in Economics

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