Treasury Analyst Internal Controls

Rachel Whitby

Fort Worth, TX ***** 817-***-**** *********@*****.***

https://www.linkedin.com/in/rachel-whitby-2383ta/

Objective

I am seeking an opportunity with a growing and dynamic organization where I can utilize my treasury analyst and banking operations experience to add value and continue my professional growth. I am a dependable and self-motivated professional with over 15 years of expertise in the treasury industry. I am open to in-office, hybrid, and remote roles and I am open to moderate travel.

Areas of Expertise

• Treasury Operations

• Foreclosure & Bankruptcy

• Wire Transfers

• ACH/Wire Transfers

• POS Pay for Checks

• Retail Banking Management

• Internal & External Audits

• SOX Controls

• Vendor Relationship Management

• Employee training

• Research & Problem Solving

• Analyzing financial data

• Driving operational efficiency

• Microsoft Office Suite including Access and Excel

• Corporate Account Journal Entries

• JDE

• Fiserv

• Multiple online banking systems

• Intercompany Reconciliations

• Daily Cash Management

• Internal Controls and Reporting Systems

• Workday

• General Ledger

• Oracle

• Travel expense coding

Selected Accomplishments

• Elected Board member for the NW Tarrant County Chamber of Commerce, serving a 3-year term.

• Planned and coordinated several area network marketing business mixers and charity golf tournaments.

• Enhanced Efficiency- Streamlined banking processes, reducing manual workload and increasing overall operational efficiency

• Implemented robust internal controls and reporting, reducing the risk of fraudulent activities and enhancing over financial security

• Implemented measures to minimize funding errors, ensuring accuracy in funding requests and ensuring error free process

• Used advanced forecasting models that improved the accuracy of cash position predictions. Received recognition for maintaining accurate cash forecast

• Spearheaded initiatives that enhanced the efficiency of mortgage warehouse funding, reducing processing times and improving overall operational effectiveness across numerous banks

• Implemented measures to minimize funding errors, ensuring accuracy in funding requests and ensuring error free process

• Established quicker methods to ensure we would not miss cut off times and worked with IT to establish SQL reports to complete task.

Career Experience

Trinity Broadcasting Network- Treasury Accountant (6/2024-2/2025) D R Horton Inc- Treasury Analyst (3/2022 to 6/2024) Guaranteed Rate (Stearns Lending)- Treasury Assistant/Banking Warehouse Coordinator (12/2019 to 3/2022) Mr. Cooper- Treasury Analyst/Treasury Assistant (2/2016-12/2019) Residential Credit Solutions- Treasury Assistant/Foreclosure Assistant (9/2009—2/2016)

• Serve as primary back up to manage daily cash position, investments, funding and cash forecasting as needed

• Management of all bank accounts which is over 400 accounts, including opening and closing bank accounts and managing authorized signers in compliance with banking resolutions for all entities.

• Cultivate and maintain strong relationships with our banking partners to understand financial needs and goals.

• Act as a liaison between internal teams and banking partners, facilitating clear communication and addressing issues promptly.

• Negotiate agreements and processes with our banking partner to secure favorable terms for organization.

• Stay abreast on industry needs by attending training and classes held by our banks

• Manage 400+ bank accounts- oversaw opening, closing, account maintenance, and compliance

• Approved and executed a high volume of wires and ACH transactions daily, while ensuring precision and adherence to financial protocols

• Prepared monthly GL entries for interest accruals on investment accounts, ensuring meticulous financial control

• Monitored and made daily decisions on POS Pay for Checks and ACH in multiple banking systems, reviewing and preventing potential fraudulent transactions, and filing necessary fraud claims when needed

• Generated various fixed and ad hoc reports for audit and SOX reporting, ensuring regulatory compliance

• Acted as subject matter expert for banking and accounting functions,

• Contributed to the development and maintenance of a treasury department intranet SharePoint site

• Established and maintained effective relationships with warehouse banks and vendors, facilitating smoother transactions and reducing potential issues

• Oversaw the management of collateral associated with mortgage warehouse funding, ensuring proper documentation and compliance with regulatory requirements

• Primary banking administrator for multiple internet banking platforms such as Bank of America CashPro, Wells Fargo CEO and JPM Access.

• Work with our Title companies across the US to provide banking set up, banking reference letters, funding wire assistance and manage check signors

• Prepare LOCs and determine which bank needs to be used based on State and location and do LOC amendments when needed.

• Approve wires, including funding wires for our Title and Escrow offices across the United States in multiple banking systems as needed, average of 120+ wires daily.

• Process funding and sales request with our warehouse banks and reconcile daily banking activity

• Processed cash loan sales and pooled sales to agencies and process sales from affiliated joint ventures

• Manage daily funding queue and reconciliations for funding requests to prevent errors

• Oversee correspondence email box and answer and research issues

• Process closing agent approvals and updated to E&O policies in advance of funding dates

• Prepare Fannie/Freddie settlements and upload all info needed in a timely manner to settle bulk wires

• Performed travel expense coding and reconciliation for our Amex program

• Reconciled and prepared journal entries for investment FSA and Ameriprise accounts

• Set the daily cash position and prepared cash management reports to ensure daily cash flow was adequate

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