Den Moyo
Washington
Summary
Strategic financial executive with proven leadership in corporate finance and accounting operations. Expertise in optimizing capital structures and maximizing profits through data-driven insights. Trusted advisor to senior leadership, skilled in navigating regulatory landscapes and executing M&A strategies to enhance shareholder value.
Overview
24
24
years of professional experience
Work History
VP Finance & Accounting
Guidance Financial Group
03.2013 - 03.2026
- Manage all financial reporting, budgeting, planning and audit functions.
- Manage Facility Covenants: Monitor debt-to-equity and liquidity minimums daily to prevent facility freezes.
- Allocate Warehouse Lines: Shift loan funding dynamically across lenders to minimize interest expense.
- Forecast Cash Flow: Model daily cash inflows from loan sales against outflows for funding originations.
- Negotiate Credit Terms: Secure favorable advance rates, haircuts, and non-use fees from investment banks.
- Hedge Pipeline Risk: Coordinate with secondary markets to execute forward sales and hedge interest rate exposure.
- Value MSR Portfolios: Oversee quarterly independent valuations of Mortgage Servicing Rights (MSR) assets.
- Manage Margin Calls: Maintain cash buffers to meet sudden margin calls on open hedge positions.
- Structure Asset Sales: Evaluate profitability of holding MSRs versus selling them for immediate cash flow.
- Enforce Loan Accounting: Ensure strict compliance with US GAAP ASC 860 (Transfers) and ASC 825 (Fair Value).
- Track Loan Closings: Account for complex loan-level revenue, including origination fees, points, and premiums.
- Streamline Secondary Sales: Reconcile loan purchase advices and track gain-on-sale (GOS) margins precisely.
- Manage Repurchase Reserves: Establish accurate reserves for early payment defaults (EPD) and loan buybacks.
- Direct Audits: Manage external audits and complex state-level NMLS Mortgage Call Reports (MCR).
- Ensure HUD Compliance: Maintain financial metrics required for FHA, VA, Fannie Mae, and Freddie Mac seller-servicer status.
- Enforce Internal Controls: Build rigorous anti-fraud controls over high-volume wire transfers and loan funding.
- Automate Loan Closings: Integrate Loan Origination Systems (LOS) with general ledger ERP software.
- Optimize Unit Economics: Track corporate net margin down to the branch, loan officer, and product level.
VP Controller
Berkley Net Underwriters, LLC
08.2008 - 04.2010
- Responsible for the preparation of GAAP and Statutory Financial Statements.
- Performed the Monthly, Quarterly and Annual Closes.
- Prepared the company budget, planning and forecasting.
- Supervised the Quarterly and Annual Statements filings which required a broad knowledge of SAP (Statutory Accounting Practices).
- Responsible for SOX Compliance, tax accounting, reinsurance accounting (ceded & assumed).
- Co-ordinated the annual audit.
- Maintained all the financial records and safeguarded the assets of the company.
- Maintained the general ledger and the systems that fed information to it.
- Produced a monthly scorecard, variance analysis of actual versus budget, trend analysis.
- (a W.R. Berkley Company – Fortune 500)
Controller
The Campania Group
Vienna
11.2001 - 08.2008
- Prepared GAAP and Statutory Financial Reports.
- Consolidated the GAAP Financial Statements of the five entities that made up the Group.
- Maintained general ledger, ensuring data integrity and accuracy.
- Maintained the general ledger and integrity of the data that was posted.
- Managed and accounted for company investments and fixed securities, optimizing financial tracking.
- Supervised the reinsurance accounting (ceded, assumed, treaty, quota share, facultative and excess of loss).
- Liaison with the independent Actuary in setting up reserves.
- Planned, forecasted, and handled tax accounting and coordination of the annual audit.
- Directed the department and supervised a staff of six.
Education
Insurance Accounting and Reporting -
Insurance Accounting & Systems Association
Boston, MA06-2006
The Controller’s Job in Today’s Environment -
American Management Association
Monterey, CA06-2004
Annual Statement Preparation -
Booke Seminars
Orlando, FL06-2002
Business Administration -
University of Witwatersrand
Johannesburg, South Africa10-1995
BSc. - Economics
University of Zimbabwe
Harare, Zimbabwe12-1991
Skills
- Team leadership
- Communication skills
- Detail-oriented
- General accounting skills
- Business management skills
- Database management tools
- Excel Formulas
- Essbase
- Pivot Tables
- Hyperion
- Regulatory compliance
- Financial reporting
- Financial modeling
- ERP systems
- Financial analysis
- Risk management
- Accounting applications
- Integra
- Compass
- Data analytics
- Strategic planning
- Fraud prevention
- Forecasting techniques
- General ledger accounting software
- Mortgage finance
- Loan management
- Fiserv
- Investment analysis
- Financial software
- QuickBooks
- MS Office applications
- Access
- Word
- PowerPoint
Compensation
Negotiable
Timeline
VP Finance & Accounting
Guidance Financial Group
03.2013 - 03.2026
VP Controller
Berkley Net Underwriters, LLC
08.2008 - 04.2010
Controller
The Campania Group
11.2001 - 08.2008
Insurance Accounting and Reporting -
Insurance Accounting & Systems Association
The Controller’s Job in Today’s Environment -
American Management Association
Annual Statement Preparation -
Booke Seminars
Business Administration -
University of Witwatersrand
BSc. - Economics
University of Zimbabwe