Armando Garza

**** ******** **** - *******, ***** 78572 - Email -

acn02l@r.postjobfree.com - 956/458-5089 Mobile

SUMMARY OF QUALIFICATIONS

Versatile, flexible, hard working, and motivated.

Strong computer and organizational skills. Peachtree, Microsoft Excel,

Word, Access

28 Years Experience in all facets of accounting (General and Fund)

Expertise in the field of client's public records, examining and analyzing

the payroll data, and Profit and Loss Statements

Proficient at creating and maintaining positive public relations through

excellent communication skills.

100 % Bilingual - English / Spanish

EMPLOYMENT EXPERIENCE

January 2007 to August 2013

2 Hijos, Inc- Mission, Texas

Executive Vice President, Controller,

Responsible for the recording of the bank's financial transactions the

preparation and interpretation of financial reports and statements for the

Board of Directors, internal management and outside groups. Ensure that

reports reports and statements for the Board of Directors, that

reports. Direct operational initiatives to maintain and support excellent

customer service and satisfaction. Engaged 14 retail store associates in

the business and identify and develop people. Lead operations, customer

services, and all financial or quantitative issues ( Payroll, Profit and

Loss Statements, Ordering Merchandise, General Ledger Updating and other

duties as needed). Instrumental in achieving gross margin, growth, and

customer satisfaction goals while controlling costs through effective

operations and development practices.

January 1998 to January 2007

Lone Star National Bank - Pharr, Texas

Senor Vice President and Controller

Responsible for the recording of the bank's financial transactions the

preparation and interpretation of financial reports and statements for the

Board of Directors, internal management and outside groups. Ensure that

reports reports and statements for the Board of Directors, that

reports. With the assistance of the outside accounting internal management

and outside groups. Ensure firm, prepare and review forms 10-Q, 10-K and

annual report for filing with the SEC and OTS. Assist senior management

with the financial information needed for acquisitions, major facilities

renovations, and new bank products. Establish or recommend to management

major financial objectives and policies for the Bank. Prepare reports,

which summarize and forecast company business activity and financial

position, in areas of income, expenses, and earnings based on past, present

and expected operations.

Manage the bank's cash flow. Track and monitor the bank's liquidity

position. Direct the preparation of Cash Forecast for utilization by the

Investment Committee. Perform analysis of capital expenditures before

projects commence to determine the cost of the project, how to finance,

cost of financing, effects on future cash flow, and return of investment.

Direct determination of depreciation rates to apply to capital assets.

With the assistance of outside accounting firm tax expertise, analyze the

Bank's federal and state tax liabilities and coordinate the preparation of

federal and state tax returns. Arrange for audits of company's accounts.

October 1996 to December 1997

Inter National Bank - McAllen, Texas

Senior Vice President and Operations Officer

Supervise all data processing activities at the bank including record

keeping, check processing and book keeping that is performed on computers

or automated machines. Address any customer issues and make sure the bank's

customer service meets company standards. Also responsible for overseeing

the bank's administrative and operations staff and directs work flow

between departments.

Garza, Armando Pg. 2

February 1993 to September 1997

River Valley Bank - Weslaco, Texas

Senior Vice President and Compliance Officer

A bank compliance officer researches, implements and manages the areas of

banking regulations and laws, banking policies and procedures, consumer

protection and public interest laws. Work closely with the Chief Operating

Officer (COO) in overseeing compliance procedures and might also advise on

risk management.

Also, advise, oversee and train the banking staff on these compliance

procedures. Issue investigations related to possible non-compliance or to

ensure compliance is taking place. Acted as the main source of contact with

outside audit companies. Knowledgeable about governmental and financial

regulations and laws such as Anti-Money Laundering rules, as well as the

Bank Secrecy and Fair Credit Acts. Ensure bank's policies and procedures

comply with the rules associated with mortgage lending, deposits and

consumer lending.

January 1991 - February 1993

FDIC - Austin, Texas

July 1986 - December 1991

Federal Home Loan Bank - Dallas, Texas

Federal Bank Examiner

Review and focus on the safety and soundness of the financial institution

or compliance with consumer laws and regulations. Travel to the financial

institution, meet with management and staff, review financial records, and

analyze the data. Summarize analysis and make recommendations in a

written report. Present recommendations to senior management of the

financial institution.

June 1984 -June 1986

Alexander Grant CPA - San Antonio, Texas

Auditor/ Staff Accountant

Examine and analyze accounting records to determine financial status of

establishment and prepare financial reports concerning operating

procedures: Review data regarding material assets, net worth, liabilities,

capital stock, surplus, income, and expenditures. Inspect items in books of

original entry to determine if accepted accounting procedure was followed

in recording transactions. Count cash on hand, inspect notes receivable and

payable, negotiable securities, and cancelled checks. Verify journal and

ledger entries of cash and check payments, purchases, expenses, and trial

balances by examining and authenticating inventory items. Prepare reports

for management concerning scope of audit, financial conditions found, and

source and application of funds. Major clients were City of San Antonio,

Bexar County, Medina County, North East Independent School District,

Guadalupe Blanco River Authority, and Conroe River Authority.

EDUCATION

Schreiner University

Conferred May 1984

Bachelor of Commerce, Major Accounting, Cum Laude

Edcouch-Elsa High School

May 1980 (Graduated Top Ten)

ACHIVEMENTS AND ACTIVITIES

. President, The Foundation at Mission Regional Medical Center

. Director and founder of Biker Bras, Inc.

. Knights of Columbus, St. Paul's Church, Mission, Texas

. Bishop Garriga Assembly Forth Degree Knights of Columbus, Mission, Texas

. Past District Deputy, Dioceses of Brownsville, Knights of Columbus

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