Summary
Overview
Work History
Education
Skills
Timeline
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Alain A. Pereira

FL

Summary

Driven, curious, and growth-oriented professional who gravitates toward challenging environments that accelerate learning. Motivated by problem-solving, building scalable solutions, and surrounding myself with people who push me to improve.

Overview

6
6
years of professional experience

Work History

Supervising Senior

The Network Firm Tech & Services
01.2024 - 09.2025
  • Managed full-cycle month-end close, reconciliations, financial reporting, and outsourced accounting operations across 7–10 concurrent clients in the Digital Asset Business Services practice
  • Provided fractional CFO support and enterprise-level blockchain consulting to VC-backed crypto and fintech clients, advising on financial systems, sub-ledger implementation, and internal controls
  • Led preparation of financial statements, tax support schedules, and audit deliverables, ensuring GAAP-compliant reporting and operational accuracy
  • Built and maintained crypto sub-ledger tie-outs (on-chain wallets, Bitwave, Integral) and implemented process improvements to accelerate close timelines
  • Developed Python and JSON-based data scripts to support API integrations for client use cases across Axelar protocol, Chainlink, and other cross-chain infrastructure
  • Assisted clients in architecting and implementing automated finance workflows through blockchain API connections, improving data accuracy and operational scalability
  • Supervised and trained junior staff on accounting best practices, workflow management, and client communication to support scalable accounting operations

Senior Credit Risk Analyst (Level II)

Ernst & Young (EY)
07.2022 - 01.2024
  • Delivered credit risk advisory for top-tier U.S. and global banks, designing policy, scorecards, and underwriting models (PD/LGD/EAD) under CECL, CCAR, and Basel frameworks
  • Built and maintained SQL/Python-based risk analytics to inform portfolio strategy, user limit assignments, loan economics, and early-warning indicators
  • Partnered cross-functionally with Product, Payments, Fraud, and Engineering teams to define credit strategy for new digital card/B2B lending initiatives and payments products
  • Developed fraud detection insights (chargeback patterns, account takeover signals) and advised clients on loss-mitigation actions and policy thresholds
  • Led stress-testing, scenario analysis, and exposure monitoring; created dashboards to track credit performance, profitability, and cohort behavior for executive stakeholders
  • Supported model validation, documentation, and regulatory exams (OCC, FRB, FDIC), improving risk governance and audit readiness across client engagements
  • Drove automation by scripting data pipelines in SQL/Python, reducing manual report turnaround times by 60%+ and scaling analytics across multiple client portfolios simultaneously
  • Supervised and mentored 3–5 junior consultants while managing deliverables across $20B-plus client portfolios, ensuring high-quality outcomes under aggressive timelines

Commercial Credit Analyst

ClearPath Lending
12.2019 - 05.2022
  • Performed credit analysis and underwriting on SMB and lower-middle-market borrowers across manufacturing, logistics, and services sectors, supporting loan decisions up to $10M
  • Conducted financial statement spreading, risk scoring, and cash-flow modeling to evaluate repayment capacity, collateral strength, and borrower creditworthiness
  • Prepared credit memos, covenant recommendations, and loan structuring materials used in committee approvals and portfolio monitoring processes
  • Gained foundational experience in credit risk management frameworks, forming a base for future work in advanced regulatory (CECL/Basel) and fintech-risk environments

Education

Bachelor of Arts - Economics

University of California, Santa Barbara
06-2019

Skills

  • Spanish (professional/bilingual proficiency)
  • SQL & Python (Risk & Portfolio Analytics)
  • Credit Modeling (PD/LGD/EAD, Scorecards, CECL/Basel)
  • API & Automation (Python/JSON integrations, Axelar, Chainlink)
  • Financial & Blockchain Systems (Bitwave, Integral, CTC, QuickBooks, Sage ERP, on-chain wallets)

Timeline

Supervising Senior

The Network Firm Tech & Services
01.2024 - 09.2025

Senior Credit Risk Analyst (Level II)

Ernst & Young (EY)
07.2022 - 01.2024

Commercial Credit Analyst

ClearPath Lending
12.2019 - 05.2022

Bachelor of Arts - Economics

University of California, Santa Barbara

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Alain A. Pereira