Maria B.

Prepared budgets, financial projections, and variance analyses for private companies and investment portfolios, while recommending corrective actions and improvements. Generated financial performance reports, expenses, and business results, creating presentations for management with actionable insights. Proposed and implemented process enhancements for planning and reporting to optimize cash flow and management control.

Actively participated in the creation of annual budgets and forecasts, analyzing variances against the budget while identifying root causes and improvement opportunities. Developed sales, expenses, and business performance reports for management and risk areas, designed dashboards tracking operational KPIs and profitability, and produced executive presentations translating complex data into actionable insights. Prepared and validated regional reporting information for the head office, ensuring accuracy, consistency, and data integrity. Served as a Key User of SAP; led the functional migration of the card system, coordinated IT–Business activities, documented processes, and validated regulatory requirements. Identified a critical bottleneck in manual processing of over 100 daily transaction rejections, designing an initial solution with VBA/Excel macros and spearheading the functional requirement for RPA implementation, thereby mitigating operational risk and enhancing reporting and reconciliation workflows. Designed and implemented KRI/KPI controls, supporting internal and external audits with complete documentation and data traceability.

Created executive reports for internal and external audits (KPMG), BCRA, and regional BSS; developed metrics for delinquency rates and P&L by business line to assist executive decision-making while managing data input and validation in reporting systems. Analyzed large transactional volumes (Funds Transfer, Foreign Trade, FX, liquidity), identifying deviations and risk behaviors in financial flows with improvement recommendations. Acted as a liaison between Finance and IT for new system functionalities, executing UAT and ensuring data integrity during system changes. Served as the main accounting point of contact for KPMG, internal audits, and regional BSS, presenting comprehensive monthly accounting reports for the responsible areas.

Assessed profitability and risk control across segments (Citigold / VIP / Elite / Blue / Staff · Housing / Mortgage), producing management reports and performance metrics. Provided training to the branch network on credit policies and BCRA regulations while leading a team of three.