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CLEOPATRA DELOS SANTOS – FABRO

*ter Avenue Victor Basch 92170• +337******** •

ad0e7n@r.postjobfree.com

SUMMARY OF QUALIFICATIONS

• Over 20 years of progressive work experience in across Global Multinational Company and Insurance (Conventional and Takaful) industry.

• Strong background in managing accounts receivables and Credit Control/Management.

• Proven Skills in interpersonal, verbal and written communication with strong analytical and negotiable skills.

• Demonstrated ability to lead the credit team and the goal of optimizing the mix of the company sales and bad debt issues

• Professional communication skills include fluency in English.

• Computer Skills include: - MS Office, internet and email, Oracle Premia, Final 9 and Assuretech IRRIS– Underwriting/Accounting Software

• Driving License issued by RTA in Dubai United Arab Emirates PROFESSIONAL EXPERIENCE

MANAGER - CREDIT CONTROLLER Dec 2015 - Present

Fidelity United Insurance Company (Formerly United Insurance Company) The Opus Tower B, Office 703, Business Bay, Dubai, United Arab Emirates One of the oldest insurance companies in the market which provide and engages in underwriting various classes of general and medical products.

• Analyze the credit worthiness of new customers / broker / insurance and reinsurance companies, set up credit limit and payment plan prior to business accept the insurance risk.

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• Maintain company credit policy, recommend changes in the credit policy to senior management.

• Periodic review of existing customers credit worthiness and make necessary revisions to the existing credit limits and proactively detect and action on possible bad debt situations.

• Monitor the receivable balances and advise management whether to start legal proceedings if debts are not paid within an agreed time.

• Liaise as necessary with other functional groups including underwriters, distribution and operations.

• Review company credit policy and suggest improvements to the policy to strengthen the company credit risk.

• Ensure that key processes are documented, and continuous improvement is a part of the day to day life.

• Perform advanced or specialized works that require comprehensive knowledge of management of account receivable and above average seasoning.

• Oversees the activities and operations in the accounts receivable function for the organization.

• Contributes to the development of processes and procedures. Develop non-standard reports and statements.

• May design accounting information systems to facilitate analysis.

• Contribute to development of credit policy and supports its smooth implementation in the company.

• Control over adherence to the credit policy and provides regular reviews of the customers’/brokers credit facilities.

• Prepares and Submit Quarterly E-forms report to agree with FS balances.

• Identify changes in payment patterns and propose action to avert indebtedness and propose write off/provisions of irrecoverable receivables Undertake reconciliations of accounts as required

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• Assist in setting up control system and monitor the receivable balances and process provisions for bad debts or defaulters accounts on quarterly basis and any other tasks/projects as assigned by Line Manager. SENIOR OFFICER – FINANCE Nov 2008 – Nov 2015

Noor Takaful is UAE Islamic Insurance Company

Sheikh Zayed Road, Dubai, United Arab Emirates

An Islamic Insurance Company and Shari’a compliant with wide range of Takaful Services and Products.

• Accountable for the entire credit granting process, including the consistent application of credit policy, periodic credit review of existing customers, and the assessment of the creditworthiness of potential customers with the goal of optimizing the mix of company sales and bad debt losses.

• Supervise and manage Receivables portfolio.

• Apply alternative collection techniques and strategies to effectively minimize and control arrears.

• Provide management and leadership to the credit control team members

• Responsible for the effective monitoring and management of the delinquency portfolio

• Handle the entire dunning process including preparation of dunning letters.

• Responsible for the identification and referral of accounts for write-off in accordance with policy

• Ensure the credit control department has a thorough understanding of the accounting and regulatory.

• provisioning guidelines and calculations.

• Responsible for all other monthly and quarterly reporting obligations as defined by Head of Finance

• Hold fortnightly team meetings for credit control (preparation of aging report, minutes of meeting as well as

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GENERAL ACCOUNTANT cum Import/Export Officer Mar 2005 – Dec 2006 and re-hired in Aug 2007 – Oct 2008

PSION TEKLOGIX INCORPORATED

Jebel Ali South Free zone Dubai, United Arab Emirates A Multinational Company is a global provider of mobile computing solutions designed to improve business efficiency and productivity for leading enterprises throughout the world.

• Processing and issuance of accounting documents i.e. sales invoices, credit note, supplier invoices, GRN, debit note, journal entries for fixed assets depreciation, deferred revenue from service contracts, prepayments. Prepare weekly receivables and payables reports to be submitted to the Finance Controller

• Process and prepares cheque and bank transfers to local and foreign suppliers.

• Prepare cash flow reports to be submitted along with the payment vouchers on a monthly basis.

• Prepare and send across statement of accounts to all debtors to reconcile and for collection.

• Prepare statement of accounts to all creditors and intercompany subsidiaries reports

• Coordinate with debtors’ finance department to collect payments and reconcile differences if there is any.

• Liaise with CBD Trade Finance for Letter of Credit and bank guarantee, import contract

• Prepares bank reconciliation and accounts schedules every month for closing of books.

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• Prepares employees payroll and prepare salary transfer letters instruction to the bank.

• Prepare shipping documents i.e. commercial invoice, delivery advice, packing list and transfer of ownership for internal transfer within JAFZ for all outbound shipments local and other GCC countries.

• Handle admin work i.e. sales and technical travel tickets, visas and hotel reservations and renew company legal documents.

ADMIN ASSISTANT CUM ACCOUNTANT Mar 2001 – Dec 2004 PINNACLE TECHNOLOGY LLC,

Warba Center Al Siddique Road Deira, United Arab Emirates An exclusive distributor and reseller of Psion Teklogix mobile computing solutions products and IT systems integration company establish in 1995

• Supervised accounting assistant to prepare monthly ageing schedule for Accounts Receivable and Accounts Payables.

• Prepares employees monthly payment and distributes pay slips.

• Calculating the end of service gratuity and checking benefits entitlement for resigning personnel and those taking holiday as per UAE Law.

• Supervised accounting assistant to prepare Bank Reconciliation and account schedules every month before closing of the books.

• In depth knowledge of Psion Teklogix Order Configurator, all parts, all equipment and prices. Prepare Purchase Orders to various international and local suppliers and price canvassing for software or hardware requirements.

• Supervised accounting assistant to prepare vouchers and passing Journal Entries.

• In depth knowledge of all customs requirements, for all countries listed above, document requirement, shipping procedures. Responsible for all P a g e 6

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• incoming and outgoing shipments and coordinating with customs and cargo companies e.g. clearing Re-Export and Import Bill shipments.

• Responsible for getting best price from various local forwarders for outgoing shipments.

• Supervised accounting assistant to conduct weekly and monthly inventory and other reports for auditor.

• In depth knowledge of Middle Eastern Letter of Credit procedures, LC document requirements and procedures and potential pitfalls when receiving L.C. payments.

• Deal with the various Bank transactions such as Trust receipts, Term Deposit, Overdraft, Bank Guarantee and Export and Import Letter of Credit.

• Familiar with airline booking procedures and peak travel times and best travel agents and best discount.

CINEMA ASSISTANT MANAGER Jun 1998 – Dec 2000

GRAND HYATT CINEPLEX, Sheikh Zayed Road Dubai, United Arab Emirates CINEMA TICKETING STAFF Dec 1995 – Mar 1998

AL MASSA CINEMA, Sheikh Zayed Road, Dubai, United Arab Emirates

• Managing Box Office Ticket Sales and conduct end of the day audit for POS and ticket sales.

• Coordinates with Head Office for Weekly Cinema Listings and Timings

• Monitors F&B stock inventory and movement and submit monthly inventory and sales report to cinema manager.

• Provides training to new ushers and box office staff. P a g e 7

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SALES COORDINATOR Aug 1990 – Feb 1994

BUTTKERKRUST INC, Blumentritt Street San Juan, Metro Manila, Philippines

• Handles 5 Outlets inside SM Supermarkets and supervise the sales staff in achieving sales target and handles inventory and replenishments of the outlet stocks.

• Prepares Sales Report and submit to Sales Manager fortnightly and monthly sales review.

EDUCATION

Bachelor of Science in Commerce major in Accounting 1982 - 1988 DOMINICAN COLLEGE

F. Bluementritt Street, San Juan Metro Manila, Philippines Training and Recognition Awards:

• Anti- Money Laundering Certificate Awarded by Noor Takaful on 27th Sept 2010

• Extra Mile Award Nomination for effort in getting the accounting system up and running Certificate of Appreciation Awarded by Psion Teklogix on 5th October 2005

• Received Certificate of Appreciation Awarded by Noor Takaful managing 2 roles and meeting deadlines and achieving the collection target of 23 million in Q1, year 2010 for working over 90 hours to achieve it.

• Received 5year Long Service Award

• Leading With Emotional Intelligence Course offered by EIBFS date completed: 15 November 2021.

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• ICA Certificate in Financial Crime Compliance for Insurance date completed: 11 February 2022.

• College diploma an transcript of records attested by WES Canada in 2019

(Educational Credential Assessment for Immigration).

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