Romy Pagpaguitan

Vallejo, CA ***** 707-***-**** ad1r3f@r.postjobfree.com linkedin.com/in/romy-pagpaguitan-73318721

REGULATORY REPORTING ANALYST/SENIOR ACCOUNTANT_MANAGER

Hands-on senior accountant with extensive experience budget management, closings, and general ledger. Strong track record of consistently meeting reporting and regulatory requirements. Analyzes business processes, and implements initiatives that improve processes while minimizing risk. Works well independently, and as part of a team, in fast-paced environments. Manages, trains and leads staff.

AREAS OF EXPERTISE

Budget Management Auditing Reconciliations Reporting

Month-End Closings Generally Accepted Accounting Principles (GAAP)

SELECTED ACCOMPLISHMENTS

Regulatory/SEC Reporting: Extensive experience on CCAR FR Y-14Q regulatory reporting schedules; Risk Based Capital calculations (RBC) RWA, risks exposure parameters calculations according to BASEL II & III rules; all risk exposures including Derivatives and Repos, Wholesale & Retail loans, Securitizations and Equities; FR Y14Q various schedule preparation; SEC and Regulatory Reports :FFIEC101 Regulatory Reporting schedules; 10Q& 10K & FY9C,15.20, 31.0,RC-B, RC-Q Reports; FRY14A. Knowledgeable in DFAST,CCAR data analyses; Capital Planning. Experienced in Financial Statement consolidations; Cash Flow Statements; Changes to Equity; Efficiency Ratio and Capital Ratio. Data and Risk Management, Governance, Controls and Procedures. Developed spreadsheets using Essbase to facilitate accurate reconciliations and timely reporting.

Liquidity Form 2052a Reporting: Collects data elements that will enable FRB to assess the liquidity profile of the Bank and its shared with OCC and FDIC which assist the agencies monitoring compliance with the LCR rule. The data collection are grouped into 3 categories; Inflows, Outflows and Supplemental. The reporting table requires reporting by product and reconciles. Also, experienced in Axiom with all its functionality modules.

Accounting: Knowledgeable with GAAP and FASB. Update of accounting procedures and policies to conform with GAAP and regulatory requirements and their continued improvement process. Have acquired knowledge and experience in receivership, assets transfer and liquidations, and accounts for receivables and liabilities for resolutions. Highly experienced in General Ledger, month-end close, eliminations/consolidations, financial reports analyses; data mapping in mergers and acquisitions; system conversion/integration; payroll and benefits; treasury operations; loan accounting and accruals; derivatives accounting; setup automated consolidations; setup GL accounts to meet the requirements of the report preparation instructions. Converted consolidations/eliminations from manual to automated process.

Loans & Other Banking Products: Knowledgeable and hands on experience on FAS91, FAS159, FAS133, FAS52 and FAS115, loan accounting, accruals and non accruals. Acquired knowledge in banking operations, lending, loan underwriting, servicing; investments, securities, trading assets, commercial and consumer loans, Leases, and accounting for new products. Developed complex excel spreadsheets for accurate calculations and timely reporting.

Computer Systems/Skills: Develop scripts to extract data utilizing Essbase for management reports; validate tables and error checks.

EXPERIENCE

MUFG- Union Bank/US Bank, Oakland, CA 12/2015 – 09/2023

Assistant Vice President - Regulatory Reporting Analyst

Prepared and submitted various schedules for FR Y14Q/M, RCI,RCT, OpsRisk and PPNR to FRB.

Reviews and analyze data from various data sources and collaborate data from other regulatory reports and financial statements.

Follows FRB instructional changes and updates to reporting requirements

Report and support related to process improvements, controls testing and remediation activities.

Collaborate with and manage cross-functional teams which include Treasury, Finance, Controllers, Risk management, Governance, Controls and Procedures. Create presentations regarding BASEL III & CCAR/DFAST related activities.

Wells Fargo & Co., San Francisco, CA 06/2014 - 12/2015

Sr. Accountant, Contractor – Community Banking-Product Group, 08/2015 - 12/2015

Prepared validation narratives for CICAT (Centralized Issue and Corrective Action Tracking), including testing and validation steps in remediating system flaws and weaknesses.

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Wells Fargo & Co., San Francisco, CA 06/2014 - 12/2015

Sr. Accountant, Contractor – Community Banking-Product Group, 08/2015 - 12/2015 (Continued)

Reviews process narratives and documentation to some system processes and ensures compliance with SOX 404 as well as WFB Regulatory Reporting G&O internal control requirements.

Review Desk Top Procedures and Data Flow Diagram for system processes to ensure compliance witj SOX and WFB internal control requirements and for completeness and accuracies.

Reviews controls on EUCs to ensure accuracy and completeness.

Sr. Accountant, Contractor – Wholesale Controllers, 06/2014 - 04/2015

Performed GL account analyses for Loans and Unused Commitments to conform with FFIEC 031 RC-C and RC-L lines definitions; create new GLs; map to SEC Hierarchy for FRY 14 reports.

Set up and flag GL accounts to meet the requirements on report preparation instructions; conform to Basel RWA calculations and Y9C schedules.

Prepared regulatory/SEC reports 15.20 (Non Marketable Equity Investments), 31.0 Fair Value Asset/Liability roll forward, call reports RC-Q (Assets and Liab measured at FV on a recurring basis, and RC-B (Marketable Debt Securities Pricing-Bonds; FAS157/159 Fair Value Recurring.

Calculates monthly pricing and valuation of Securities (SAFS and HTM) and records MTM gains/loss.

Bank of the West, Dublin, CA 04/2014 - 06/2014

Sr. Treasury Analyst-Contractor

Performed data analysis and reconciliation for Liquidity reporting FR 2052a and LCR.

ADDITIONAL RELEVANT EXPERIENCE

Wells Fargo & Co., San Francisco, CA

Sr. Financial Consultant-Treasury – Contractor

Performed calculation-reconciliation of General Ledger Asset balances and Risk Type exposures of Assets (RWA) subject to RBC (Risk Based Capital) Pillar1calculations. Determined the propriety of Exposure calculation process; Risk types; and risk parameters (i.e. PD, LGD, EAD) in accordance to Basel II rules. Prepared exposure gaps analysis to determine any error in the submission of data by line of business that impact the capital charge (RBC ratio). Analyzed FFIEC101 Regulatory reports Schedule A (Tier 1 and Tier II) and Schedule B whose Exposures type and other elements conforms to Basel II rules. Knowledgeable in differentiating GAAP definition of assets against Basel II asset definition for types of Risks; Credit Exposures; Credit derivatives; and Credit mitigants. Comprehensive knowledge in Retail, and Wholesale credit risks; market and operational risks. Develops and extracts Essbase data for reconciliation and management reporting. Knowledgeable and contributes in CCAR and Dodd Frank Act data input and analysis.

Senior Accountant - Contractor

Performed GL account/table setup; prepared account analysis template for data mapping and validation for system integration related to syndicated loans acquired from Wachovia. Reviewed and analyzed GL accounts if appropriate and classifications are correct and conform to Balance Sheet and Income Statement roll up format; conform to GAAP and regulatory reporting; new GL accounts and existing accounts are accurately formatted and with appropriate account title description.

United Commercial Bank, San Francisco, CA

Senior Accountant

Performed GL account setup and analyses; variance analyses; equity analyses, elimination/consolidation of financial statements and roll up of equity. Performed Trust and Investment accounting. Responsible for month-end close. Analyzed Balance Sheet and Income Statement for the holding company and subsidiaries (pre close) prior to submission and review of senior management. Oversaw and ascertain all accruals, amortizations and other loan adjustments are accurately classified and posted prior to close. Prepared reports and ensure in compliance with SOX requirements. Maintained prepayments, deposits and CDs, subordinated debts and reviews financial package report from foreign affiliates. Reviewed FX currency revaluations impact to P&L and Equity. Knowledgeable in the applications of FAS 133 (Derivatives) FAS 52 (Functional Currency) FAS115, FAS91, FAS159 and IFRS.

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ADDITIONAL RELEVANT EXPERIENCE (CONTINUED)

United Commercial Bank, San Francisco, CA

Senior Accountant (Continued)

Performed hedge accounting for options. Acquired knowledge in receivership for receivables and liabilities for resolutions; assets transfer and liquidation and accounting for receivership. Prepared schedules, regulatory reports, Cash Flow Worksheet, EPS calculation for SEC Filing. Reviewed/prepared journal entries; assisted senior management in recording, reporting and reclassification of complex and unusual transactions/products. Reviewed GL account reconciliation/certification. Have major participation to system conversion and merger. Provided accounting support to affiliates overseas; reviewed and certified monthly accounting data mapped to parent company.

MV Transportation, Fairfield, CA

Senior GL Accountant

Performed variance analyses; analyzed/reconciled GL accounts; reviewed Income Statements for division ; coordinate and discuss with Division Manager any unusual transactions. Prepared accruals, prepayments and adjustments prior to month end close. Prepared regulatory reports for State/County. Prepared consolidated Balance Sheet and Income Statements.

Citibank West/California Federal Bank, San Francisco, CA

Senior Investor Reporting Analyst/Senior Accountant

Performed accounting for loan sales, reconciliations, REOs, repurchases, provision for ALLL and write downs. Performed data and variance analyses for Bank’s mortgage securities, loans including MBS and MPF. Performed reasonable checks and reconciliation to ensure accuracy and compliance with regulatory requirements. Performed analysis for OTTI and reconcile accounting for OTTI or securities to General Ledger, research and resolve differences. Performed GL account analyses; reviewed Balance Sheet and Income Statement, 10Q and 10K reports and footnotes. Performed investor reporting functions to private investors, Fannie Mae and Freddie Mac. Acquired knowledge in the reporting, lending and servicing guidelines by Fannie Mae and Freddie Mac.

EDUCATION

BA Accounting

University of the Philippines,

LICENSES

CPA (inactive)

TRAINING

Certificate Computer Programming Courses - Control Data Institute, San Francisco, CA

SOFTWARE COMPETENCIES

Advanced Excel Functions (Vlookup, Pivot Table), Essbase, PowerPoint, Windows8, Oracle-Essbase, Oracle Reveleus, Oracle-Peoplesoft, Oracle II, SQL Hypereon, MSA software,AXIOM. Hands on experience with AFS and LIQ

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