Isabella Santificetur
Dublin
Summary
Finance professional with 6 years of experience specializing in reporting, payments, bank reconciliation, auditing, and budget analysis. Demonstrated success in participating in corporate merger processes, actively contributing to the transition of processes, automation initiatives, and process improvements. Proven ability to enhance operational efficiency through the automation of manual tasks. Proficient in Microsoft Office Suite, with advanced skills in PowerPoint and Excel. Possess strong analytical capabilities with a meticulous focus on detail and accuracy. I hold Italian citizenship, allowing me to work full-time, and I am a native Portuguese speaker with intermediate proficiency in both Spanish and English (intermediate to advanced).
Overview
6
6
years of professional experience
Work History
Financial Analyst
AXA XL
São Paulo, Brazil
06.2021 - 10.2023
- Developed strategies to improve efficiency of business operations and reduce costs.
- Collaborated with other departments to ensure accurate budgeting and forecasting processes were followed.
- Prepared monthly balance sheets, income statements, cash flows statements, budgets.
- Monitor accounts receivable and identify overdue payments.
- Implement collection policies to ensure timely payment receipts.
- Conduct credit risk analysis based on financial history, credit reports, and other indicators.
- Regularly interact with clients to resolve invoice disputes or negotiate payment terms.
- Prepare reports on credit performance, delinquency rates, and credit recovery.
- Assisted in the budgeting process by providing detailed revenue and expense forecasts.
- Monitor and control daily, weekly, and monthly cash flow, and ensure the company has sufficient liquidity to meet its financial obligations.
- Analyze and execute financing strategies, and manage company debt.
- Oversee short-term and long-term investments, optimizing returns while managing risks.
- Analyze variances between forecasts and actual cash flows to adjust strategies.
- Maintain relationships with financial institutions, negotiating rates and terms for banking services.
- Ensure all financial operations comply with internal policies and external regulations.
- Prepare reports for audits and regulatory authorities as needed.
- Collaborated with senior management to develop and monitor key financial performance indicators (KPIs).
Financial Assistant
AXA XL
São Paulo, Brazil
09.2019 - 06.2021
- Prepare payment reports.
- Verify and reconcile bank account balances with accounting records.
- Provided guidance on investment decisions based on current economic trends and forecasts.
- Developed strategies to improve efficiency of business operations and reduce costs.
- Identified discrepancies in financial data and recommended corrective actions to resolve them.
- Assisted senior management in preparing timely reports for board meetings.
- Prepared monthly balance sheets, income statements, cash flows statements, budgets.
- Provide support in preparing and organizing documents for internal and external audits, and help respond to auditor requests.
- Utilized financial software and advanced Excel functions to streamline data analysis and reporting processes.
- Collaborated with senior management to develop and monitor key financial performance indicators (KPIs).
- Organize and maintain financial documents, such as invoices, contracts, and payment receipts.
Finance Intern
XL CATLIN
São Paulo, Brazil
09.2017 - 09.2019
- Assisted in the preparation of financial statements and reports for management review.
- Reviewed contracts for compliance with company policies and procedures.
- Collaborated with accounting team to ensure accuracy of financial records across multiple entities.
- Compiled information necessary for annual budgeting process including expenses, revenue forecasts.
- Prepared cash flow projections based on historical sales data and future expectations.
- Organized documentation required for audits performed by external auditors ensuring accuracy and completeness.
- Prepared monthly and year-end closing statements, financial documents, and invoices.
- Provided administrative support to the finance department, including filing, data entry, and document management.
- Assist in preparing and issuing payments to suppliers, service providers, and other financial obligations of the company.
Education
English
Future Learning
Dublin 01-2024
BBA - Business Administration
UNIP - Universidade Paulista
São Paulo12-2020
Skills
- Account Reconciliation
- Data Analysis
- Finance
- Auditing
- Report Preparation
- Advanced computer skills
- Microsoft Excel
- Problem Resolution
- Team building
- Organizational Skills
- Microsoft Word
- Project Planning
- Corporate finance
- Insurance Company Communication
Languages
Portuguese
First Language
Spanish
Intermediate (B1)
B1
English
Upper Intermediate (B2)
B2
French
Beginner (A1)
A1
Timeline
Financial Analyst
AXA XL
06.2021 - 10.2023
Financial Assistant
AXA XL
09.2019 - 06.2021
Finance Intern
XL CATLIN
09.2017 - 09.2019
English
Future Learning
BBA - Business Administration
UNIP - Universidade Paulista
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