Microsoft 365
ASHLEY SPARACINO
Saint Petersburg,FL
Summary
Finance professional with commitment to high standards and results-driven performance. Proven experience in managing financial operations, optimizing budgets, and ensuring regulatory compliance. Known for fostering team collaboration and adapting to dynamic business needs while maintaining accuracy and efficiency. Expertise in financial analysis, risk management, and strategic planning.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Assistant Manager - Finance
HealthPlan Services a Subsidiary of WiPro
07.2023 - Current
- Conduct, develop, manage, analyze, and report monthly, quarterly, and annual Financial Forecasting and SAP Revenue Reporting based on growth and profitability
- Analyze and report corporate spend against benchmark standards, at-risk revenue and expense, Line of Business (LOB) cost management performance, and asset purchases, capitalization, depreciation, useful life, and salvage values
- Present financial data using detailed reports and charts
- Support monthly customer invoicing as needed
- Support Sales pricing and cost management efforts for projects and onboarding efforts
- Calculate markup, margins, and develop supporting deal Profit & Loss statements and Income Statements
- Provide in-depth analysis and insights into forecasts and variance to plan
- Enhanced financial reporting accuracy with thorough data analysis and reconciliation.
- Leverage advance expense analytics to adequately support pricing the business in-line with targets
- Managed budget preparation, monitoring, and forecasting to ensure fiscal responsibility.
- Assist in presentation to Management actual to expected financial performances
- Spearheaded internal controls improvements, enhancing risk management capabilities across the organization.
- Continuously sought opportunities for professional development within the finance field, attending relevant conferences and pursuing additional certifications
- Assisted with identifying reduced expenses for the department by identifying cost-saving opportunities and negotiating vendor contracts.
- Streamlined month-end closing process by automating tasks and establishing clear deadlines.
- Reviewed documentation and identified financial discrepancies where applicable.
- Created and managed financial models to evaluate corporate investments and acquisitions.
- Monitored budget and revenue trends, compiling reports for company leadership to inform decision-making.
- Designed and maintained financial models to identify and measure risks.
- Created financial dashboards to provide insights into key performance indicators
- Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
- Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
- Supported financial director with special projects and additional job duties.
- Reviewed historical records, current operational data and forecasting information to identify and capitalize on system enhancement opportunities.
- Achievement's: Promoted from Financial Controller Assistant to Assistant Manager.
FINANCIAL REPORTING ANALYST
WiPro
08.2022 - 07.2023
- Company Overview: Contractor for Citi Bank
- Working closely with Risk Reporting/Risk Management, Finance/Product Control, as well as members of Treasury to report on, monitor, and forecast the company's liquidity position
- Reporting to the Citi Process Control Tool (CPCT), utilizing Insight, Tableau, AMC, Pearl, IFW, SNOW (Service Now), and SSO applications in the Costa Rica (LATAM), Manila (APAC), Mumbai (EMEA), North America (NAM) regions
- Responsible to prepare and submit U.S
- Corporate Regulatory Quarterly & Weekly reports including FR2052A
- Support the analysis and submission of reports to various constituencies (local regulators, SEC, Fed, OCC, etc.) based on requirements such as US GAAP, US Regulatory, and local statutory reporting
- Perform variance analysis of financial results and value-added analytics to key stakeholders and finance partners by identifying key operational drivers, accounting issues and/or economic events
- Reporting current Liquidity and IRE position through the production of the daily Gap Analysis Report
- Calculation of liquidity ratios to allow management to monitor changes in structural liquidity
- Also responsible for producing cash flow and various other ad-hoc regulatory reporting
- Liaise with members of Risk Reporting/Risk Management, Finance, and Treasury to establish reporting requirements and develop the tools, analysis and reporting necessary to proactively identify and manage risk with respect to portfolios and products, and continuously update the reporting process to reflect the current business structure
- Responsible for participating in the production of existing as well as playing a role in the development of new Regulatory reporting requirements
- Participate with members of the various disciplines to identify ways to streamline and automate process flows to create more accurate and timely results, as well as improving efficiency
- Test, curate, run, manipulate, analyze, and format daily CBNA Disc., Citi Consol., NSFR Blue, and Trend 6G reports and report any found errors to developers
- Ensure regional and international reporting is always done in a timely and professional manner with no mistakes and concise language for procurement
- Key Deliverables: 1
- Internal Liquidity and IRE Reports 2
- Regulatory Liquidity Returns 3
- Analytics and Commentary 4
- Recurring & Non-Recurring Reports 5
- Day Over Day Adjustment Reports 5
- 5G & 6G (Prod Parallel) Analysis & Reporting
- Cash Mismatch Reports
- Achievements/Certifications: ICP Certification, Introduction to ESG, Financial Statement Analysis, ESG Regulation & Reporting, ESG Investing, ESG Asset Classes, AI Ethics, AI Applications, Agile
DUE DILIGENCE UNDERWRITER
Consolidated Analytics
10.2021 - 07.2022
- Credit, Compliance & TRID Full Review Mortgage Underwriter
- Analyze residential mortgage loans for adherence to investor criteria including but not limited to those criteria stipulated by nationally recognized statistical rating organizations for third party review of residential mortgage loans
- Loan file inventory for procurement, Fraud Risk, Property Valuation, Legal Doc, Regulatory Compliance, Servicing History, Credit Risk Grading, Credit, Income Review
- Product types: including but not limited to Business, Personal, Investor Cash Flow DSCR, 12/24m Business Bank Statement, Portfolio Select, HELOC, Refinance, Cash Out, Non-QM, New Construction, Manufactured, utilizing VeriFi system and Black Knight
SUPERVISOR/OPERATIONS MANAGER
Sourcepoint Mortgage - DBA Freedom Mortgage
09.2020 - 10.2021
- Directly managed 4 TLs with 12 employees on each team: LCA (Loan Credit Advisor), Conditional clearing team, CA's (Customer Advocates) & CSS's (Customer Support Specialists), Coaching/Training/QC when necessary
- Developing attendance/production trackers, analyzing/configuring/manipulating daily Loan Production and KPI reporting
- Developing FAQ's/Matrix's/SOP's/Job Aids for training purposes
- Leading multiple daily Production Kick-Off meetings with Leadership & Client
- Analyze IC Business Manager & Interaction Desktop to monitor inbound/outbound phone QA
- Monitoring/adjusting Kronos timecard punches, approve/deny PTO requests, resetting/unlocking passwords, ensuring team does not go over 40-hour work week
- Proficient working in DOS system (Lakewood), Blueprint, TWN (The Work Number), Tableau Server, EDMS, Microsoft products, AWS (Amazon Workspace), IC Business Manager, Interaction Desktop, Excel (V-lookup's, Pivot Tables, etc.), Microsoft Products, Encompass
- Grading ACE Annual Performance Reviews
- Relaying PIP's (personal improvement plan) and or Corrective Action plans
- Onboarding new prospective employees or letting them go
MORTGAGE UNDERWRITER
Keller Mortgage
07.2020 - 09.2020
- Scrubbing and analyzing Conventional loan files for assigned Underwriter in a timely manner for procurement (1003, placing docs in appropriate buckets, adding/clearing/reviewing conditions, calculating income, reviewing credit/assets, running property search, retrieving USPS/Tax/Mortgage Ins/DV/AUS certifications, HOI review, Appraisal review, Purchase contract review, credit reporting review, HOA review, pulling TWN VOE's, state disclosures are signed and dated)
- Clearing Blend follow-ups and moving docs in appropriate buckets in Encompass
- Communicating with underwriter on findings and documenting in Encompass
REGULATORY FINANCIAL ANALYST, TM, AND TRID QC COMP UW
Clayton Holdings LLC, A Covius Solution
03.2016 - 07.2020
- Run, analyze, configure, and manipulate daily Exception Reports to inform clients of deficiencies, Data Reports, and Funding Reports which were multiple comprehensive all data and exceptions to facilitate buying the loan for numerous clients in a high volume fast passed working environment to meet SLAs for procurement
- TRID/Compliance Underwrite 1.0/3.0 Fannie & Freddie Non-Conforming and Conforming and Sub-Prime Residential products
- Conventional/FHA/VA/USDA, Fixed/ARM/Interest Only, Purchase/Refinance/HELOC, Condo/Single Family/etc
- Loans for multiple Lenders and States
- Developing Job Aids/SOP's
- Utilizing Adobe Acrobat, Microsoft 365 Suite (V-lookup's, Pivot Tables, etc.), Jabber, Outlook, IE, Chrome, Encompass, Incyt, UltiPro, Smartsheet, Aestiva, Box, Appian, Intralinks, Goldman Sachs LockBox, JIRA, eClas, bClas, Navision, BofA Markets, Mortgage Trade, Encompass
MORTGAGE LOAN PROCESSOR
Sourcepoint Mortgage - DBA Freedom Mortgage
01.2016 - 03.2016
- FHA/VA Portfolio/Acquisition & Streamline loans
- Analyze appraisals, titles, and purchase sales contracts as received, submit them to underwriting, if necessary, make all required calls, system update and order any addendum's required related to review
- Clear all underwriting conditions by working with customers and outside vendors for procurement
- TRID for non-workable state loans
- Training fellow teammates
PERSONAL BANKER
Bank Of America
09.2014 - 01.2016
- Assisted clients plan for and fund retirements using mutual funds and other options to manage, customize and diversify portfolio
- Conducted detailed financial reviews for business clients to sell appropriate products to fit client's needs
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services
- Identified and investigated variances to optimize financial plans and forecasts
Personal Banker
Suntrust
08.2013 - 09.2014
- Utilized strong interpersonal communication skills during client interactions, resulting in increased trust and fostering long-lasting relationships.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Maintained compliance with bank policies and regulations while executing various financial transactions for customers.
- Generated new business by conducting thorough financial needs assessments and offering tailored products to clients.
- Improved customer satisfaction by providing personalized banking solutions and exceptional service.
- Managed deposits, withdrawals and wire transfers to process smooth banking transactions for clients.
- Promoted financial products by maintaining excellent service offering knowledge.
- Delivered comprehensive financial advice, strengthening client relationships and promoting long-term loyalty.
- Boosted sales of bank products through effective cross-selling and up-selling techniques.
- Exceeded individual performance metrics consistently while maintaining exceptional levels of client satisfaction ratings throughout tenure as Personal Banker.
Member Service Center Associate
Space Coast Credit Union
01.2012 - 08.2013
- Enhanced customer satisfaction by providing timely and accurate information on products and services.
- Developed strong rapport clientele fostering sense trust dependability their minds thus reinforcing brand image desired market positioning strategy pursued organization overall commercial interests perspective long run term basis.
- Contributed to improved operational efficiency through regular maintenance checks on tools and equipment, minimizing downtime during peak hours.
- Embraced change willingly adapting new technologies systems introduced workplace order enhance efficiency effectiveness operations conducted therein ultimately benefiting both employer customer alike through improved service standards rendered eventually.
- Adapted quickly dynamic situations adjusting workflow demands accordingly without compromising quality output required timeframe set forth managers supervisors alike.
- Assisted in training new hires, fostering an environment of continuous learning and growth for all associates.
- Supported sales efforts through cross-selling additional products or services when appropriate opportunities presented themselves during customer interactions.
- Exceeded performance objectives consistently by prioritizing tasks effectively according to urgency and importance within the context of broader organizational goals.
CUSTOMER SERVICE MANAGER
Percepta - DBA Ford Motor Company
02.2007 - 01.2012
- Resource of all product knowledge and service support
- Liaison between customer, service support, and dealership by following up to ensure customer satisfaction
- Strong follow-up and organizational skills, in both verbal and written communication
- Responsible for resolving customer issues using all available resources, including Dealers (i.e., Service Personnel, Subject Matter Experts (SMEs), Leadership, and Field Service Engineers)
- When necessary, use applicable customer satisfaction tools to resolve customer issues - tools include financial assistance, service plans, payments, and maintenance plans
Education
High School Diploma -
Seminole High School
Seminole05-2006
Skills
- Financial Forecasting
- Treasury Risk
- Preparation & Presentation
- Business Variance Drivers
- Cash Flow
- US GAAP, US Regulatory, SEC, & Local Statutory Reporting
- Financial Control
- Team Management
- Accounting
- Compiling Data
- Spreadsheet Tracking
- SAP Business Client 770
- SAP Sign On
- SNOW (Service Now)
- Alteryx
- Expense, Funding Risk, & Revenue Analysis
- Analyzing Performance
- Excellent Analytical, Decision-Making & Problem-Solving
- Liquidity, Operational, Credit & Market Risk Analysis
- Power BI
- Microsoft365
- OneDrive
- Management reporting
- Accounts receivable management
- Payroll administration
- Revenue recognition
- Insurance management
- Business partnering
- Financial risk assessment
- Financial modeling
- Financial management
- Financial analysis
- Financial revenue
- Reliability
- Multitasking Abilities
- Adaptability and flexibility
- Decision-making
Certification
- ICP Certification
- Six Sigma Project Leader Certification (Green Belt In Progress)
- Six Sigma Project Mentor Certification (Green Belt In Progress)
- Lean Project Leader Certification (In Progress)
- Lean Practitioner (In Progress)
- Process Auditor Certification (In Progress)
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Accomplishments
- Used Microsoft Excel to develop inventory tracking spreadsheets.
- Achieved Change Order Approval Timeliness by introducing Teams for Project Tracking tasks.
Quote
Know the true value of time; snatch, seize, and enjoy every moment of it. No idleness, no laziness, no procrastination: never put off till to-morrow what you can do to-day.
Philip Dormer Stanhope, Lord Chesterfield
Software
SAP
SNOW
Alteryx
OneDrive
Languages
English
Native or Bilingual
Timeline
Assistant Manager - Finance
HealthPlan Services a Subsidiary of WiPro
07.2023 - Current
FINANCIAL REPORTING ANALYST
WiPro
08.2022 - 07.2023
DUE DILIGENCE UNDERWRITER
Consolidated Analytics
10.2021 - 07.2022
SUPERVISOR/OPERATIONS MANAGER
Sourcepoint Mortgage - DBA Freedom Mortgage
09.2020 - 10.2021
MORTGAGE UNDERWRITER
Keller Mortgage
07.2020 - 09.2020
REGULATORY FINANCIAL ANALYST, TM, AND TRID QC COMP UW
Clayton Holdings LLC, A Covius Solution
03.2016 - 07.2020
MORTGAGE LOAN PROCESSOR
Sourcepoint Mortgage - DBA Freedom Mortgage
01.2016 - 03.2016
PERSONAL BANKER
Bank Of America
09.2014 - 01.2016
Personal Banker
Suntrust
08.2013 - 09.2014
Member Service Center Associate
Space Coast Credit Union
01.2012 - 08.2013
CUSTOMER SERVICE MANAGER
Percepta - DBA Ford Motor Company
02.2007 - 01.2012
High School Diploma -
Seminole High School
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