CFO/Controller
Resume:
PROFILE
CONTACT
Accomplished finance and accounting executive with over 20 years of experience in public and private companies within financial services (FinTech), light manufacturing, distribution (SaaS), health and wellness (SaaS) commercial & multifamily real estate and other industries.
Proven leadership skills in start-up growth companies as well as established environments. Hands-on leader with strong management experience, SEC expertise and internal reporting to Boards of Directors, knowledgeable in Sarbanes Oxley (§404/§302/§906), and established track-record of process improvements resulting in significantly reduced month-end close times.
Accounting & Finance Professional
Stephen Tucker, CPA STEWARD
Laguna Hills, CA
ntry
*.*********@*****.***
Tucker LinkedIn
PROFESSIONAL EXPERIENCE
Interim-CONTROLLER (Bankrupt)
Swift Health Systmens, Inc. dba (“Inbrace”) Lake Forest, Ca. October 2024 – April 2025
EDUCATION
Private Equity owned medical device company and its product (Inbrace), is a proprietary device use for treating misalignment of teeth. The technology uses a gentle wire affixed to the back of the teeth, which gently guides each tooth to its desire position.
Manage 4-person accounting group and report directly to CFO.
Responsibilities include preparing and reviewing all ME activities, including variance analysis and consolidation subsidiaries and international investments, treasury functions, financial statements, and review of 13-week cash flows.
Preparing and processing companywide payroll (approximately 100 employees).
NetSuite administrator for accounting group.
Income tax preparation and planning for YE 2024.
BS-Business Admin /Accounting
CSU, Fullerton
CERTIFICATION
Certified Public Accountant
#81127
FRACTIONAL-CHIEF FINANCIAL OFFICER
Sapphire Direct Marketing, Inc. Mission Viejo, Ca. Jan 2014 – Present
INDUSTRIES
Full service direct marketing company.
CFO services including month end close procedures, financial reporting package, loan covenant calculation and 13-week cash flow modeling.
Implementation of new revenue recognition and lease accounting policies and procedures.
Income tax preparation and planning for YE 2024.
Types
Mortgage Banking (FinTech)
Financial Institutions (FinTech)
Real Estate/Multi-Family
Real Estate/Commercial
Manufacturing
Distribution
Health & Wellness
Medical Devices
Private Equity
Size
Start-up private
Start-up Public OTC
Start-up Development Stage
Established Public NYSE/Nasdaq
Est. $10m - $500m revenues
CHIEF ACCOUNTING OFFICER/Controller
Ramser Real Estate Development Company Newport Beach, Ca. Jan 2023 – Dec 2023 (1 yr.)
Vertically integrated real estate developer and operator of RV & Boat storage, self-storage, and industrial outdoor storage properties in California and Florida.
Leadership of 4-person accounting and treasury team for twenty-four separate legal entities.
Cured 9 months of properties that were delinquent in month-end close, reporting, and tax compliance.
Recruited, trained, and mentored staff while creating a healthy work environment.
Proper GAAP recording for acquisitions (M&A) and dispositions of properties and due diligence process.
Responsible for the firm's corporate level accounting and property level investment accounting.
Implemented new accounting policies and procedures which reduced closing times five days or 20%.
Implemented NetSuite Planning and Budgeting module and prepared annual operating budgets.
Reviewed acquisition models for potential purchases of commercial properties in accordance with
the firms IRR and Cash on Cash Yield standards using CBRE cash flow models.
EXPERTISE
CHIEF FINANCIAL OFFICER
Previon Health Solutions Yorba Linda, Ca. June 2020 – Dec 2022 (2.5 yrs.)
Audited GAAP Financials
SEC filings (S-1/10K/10Q/8-K)
Cash Flow Forecasting
Financial Planning & Analysis
Budgeting
Internal Controls (ICFR)
SOX (§404/§302/§906)
Continuous Improvement
Risk Management
SaaS (subscription-based revenue)
Tax Compliance/Planning
Manufacturing preventive health test kits, IT consulting and healthcare software solutions (SaaS). ISO certified 9001,13485, and 27001.
Responsible for all financial statement audits, lead finance, treasury, accounting, and legal of a 5-person team reporting to the CEO and Board of Directors.
Designed $30M annual operating budget including all modeling for complex multiyear forecast including analysis of variable and fixed costs and updates to manufacturing overhead.
Reduced month-end close 5 days from 15 days to 10 days.
Accelerated cash flows $100K / month and DSO 10 days by improving collections efforts.
Increased EBITDA $2M or 11% by repricing products and services.
Led investment analysis for capex: saved $1.5M or 33% in cash flow over 5 years.
Implemented ASC 606 Revenue Recognition and ASC 842 Leases.
Led new ERP implementation (Hagen OA) and directed ongoing IT initiatives.
Letter of Recommendation
CONTROLLER/Independent Consultant (12-month contract)
Hongfa America, Inc. Lake Forest, Ca. May 2019 – May 2020 (1 yr.)
Stephen Tucker, CPA
Page 2
Hired as a consultant to remediate significant deficiencies, clean-up financials and establish new policies & procedures for subsidiary of large $14b Chinese public company listed on Shanghai Stock Exchange—with numerous satellite companies worldwide). HONGFA Official Website
Coordinated and managed annual audit and report preparation for US GAAP and IFRS standards.
Led month-end close, reviewed journal entries and reconciliations, and production of financials to parent.
Implemented ASC 606 Revenue Recognition, ASC 842 Leases, and ASC 380 Foreign Currency.
Calculated monthly current and deferred income tax provision.
Created $50m annual rolling budget and monthly cash forecasting.
Hongfa America, Inc - Company
ACCOMPLISHMENTS
Reduced Month-End Close
Refinanced Debt
Timely filed SEC forms
Raised debt and equity capital
Executive Leadership
Board Presentations
Staff Management
Driving growth & profitability
Successful IPO
CONTROLLER/Independent Consultant (18-month contract)
Independence Realty Trust, Inc. (formerly Steadfast Companies) Irvine, Ca. Jan 2018 – May 2019 (1.5 yrs.)
Publicly traded (NYSE: IRT) company that owns and operates multifamily real estate across the country.
Filed SEC forms 10K, 10Q, 8K, DEF 14A, POS AM using Workiva for Steadfast Apartment REIT III
Drafted accounting memos for accounting transactions (consolidation, impairment, going concern).
Attended and presented at quarterly Disclosure Committee meetings.
Completed VIE analysis generating decision not to consolidate $150M investment in joint venture —saving additional headcount and audit time.
Steadfast REIT III (sec.gov).
COMPETENCIES
CHIEF FINANCIAL OFFICER (Failed IPO)
GX-Life Global, Inc. (FinTech) Irvine, Ca. Mar 2016 – Feb 2017 (1 yr.)
Problem Solving
Decision Making
Time Management
Teamwork
Leadership
Conflict Resolution
Communication
Managed Accounting department, month-end close, entity consolidation, public filings for Global Future City Holding (OTC: FTCY).
Multi-Level Marketing and digital asset startup in manufacturing health, wellness, weight, beauty products.
Managed a department of four-person team and reported to the CEO.
Filed SEC forms 10K, 10Q, 8K, and S-1.
Technical accounting memorandums (revenue recognition, VIE analysis).
Migrated accounting software from QuickBooks to SAGE 300.
Global Future City Holdings (sec.gov)
DIRECTOR OF FINANCIAL REPORTING
Carrington Holding Company Aliso Viejo, Ca. Jan 2014 – Mar 2016 (2.25 yrs.)
Holding company whose primary businesses is to provide a broad range of real estate services encompassing all aspects of single-family residential real estate transactions in the United States.
SYSTEMS
Coordinated and prepared annual reports and quarterly reviews for non-traded public mortgage company with $400M in revenue, $4B AUM, $45B MSR servicing portfolio, $4B in mortgage production.
NetSuite
PeopleSoft
Yardi
Workiva
Excel
Word
PowerPoint
Mortgage lending Retail, Wholesale, Correspondent.
Mortgage Servicing.
Real Estate & Title Services.
Asset Management Services.
Carrington Charitable Foundation 501(C)(3)
Carrington Holding Company 2015.pdf
VP, ACCOUNTING (Corporate Relocation)
AXOS FINANCIAL, INC. (NYSE: AX) San Diego, Ca. Sep 2010 – Dec 2012 (2.25 yrs.)
Non-Profit 501©(3)
Carrington Charitable Foundation CCF 501 (C)(3)
New Economics for Women
NEW 501(C)(3)
Orange County Performing Arts Center
Laguna Playhouse
Irvine Barkley Theater
Managed Controller and 4-person accounting team for a nationwide publicly traded digital financial services company (FinTech) with approximately $1.05 billion in revenue and $20.3 billion in assets.
Responsible for all SEC filings, regulatory and Board reporting.
Streamlined month-end close & variance analysis and standardized Board reporting.
Reduced headcount, filing fees and preparation time by implementing Workiva SEC reporting software.
Created process flow internal control narratives, worked with Internal Audit to fix significant deficiencies.
Axos_Bank of Internet (sec.gov)
Public Accounting Experience
Haskell & White, LLP Irvine, CA 2 years
Provided assurance services for public and private clients in real estate, mortgage banking, manufacturing and 501(c)(3) nonprofit organizations.
Accetta & Olmsted, CPA’s Irvine, CA 5 years
Provided assurance and tax services for private corporations and high net worth clients primarily in real estate, mortgage banking, and manufacturing.
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