Joy Miller
Century 21 Beggins Enterprises
Apollo Beach,USA
32
years of professional experience
Chief Financial Officer leading enterprise finance, accounting, HR, payroll, and compliance for a multi-office real estate organization. Drove revenue growth from $19M to $22M by tightening forecasting, pricing discipline, and capital allocation. Partners with shareholders, CPAs, and attorneys to deliver board-ready reporting, audit-ready controls, and steady operating performance.
Work History
Real Estate Agent
5 Years 7 Months- Increased company revenue through client acquisition, property research, market analysis, and negotiation.
- Coordinated inspections, appraisals, and closing activities to facilitate seamless transactions.
- Achieved high customer satisfaction through accurate property listings and responsive communication.
Senior Accountant
8 Years 7 Months- Reconciled monthly bank statements for multiple communities, ensuring accuracy and adherence to deadlines.
- Supported daily accounting operations through journal entries, financial documentation, and timely reporting.
- Led month-end closing processes ensuring accurate financial reporting and compliance with regulations.
- Developed and implemented accounting policies enhancing operational efficiency and accuracy in financial statements.
- Mentored junior accountants, providing guidance on complex accounting issues and fostering professional growth.
Chief Financial Officer (CFO)
13 Years 7 Months- Executive Financial Leadership & Strategy
- Develop financial strategies that support organizational growth, profitability, and long-term sustainability.
- Architect the enterprise-wide annual budgeting process to align financial resources with growth priorities, ensuring disciplined capital allocation, accurate forecasting, and full integration of operational, revenue, and margin objectives.
- Achieved 16% revenue growth over two years through data-driven forecasting, enhanced financial controls, and cross-functional collaboration to accelerate profitable growth and improve revenue quality.
- Delivered a cumulative 16% revenue increase over two years by implementing data-driven forecasting, tightening financial controls, and partnering cross-functionally to accelerate profitable growth and improve revenue quality.
- Designed enterprise-wide annual budgeting process to align financial resources with growth priorities, ensuring disciplined capital allocation, accurate forecasting, and integration of operational, revenue, and margin objectives.
- Serve as the primary financial liaison to CPA firms, attorneys, shareholders, and key business partners, ensuring alignment on tax strategy, legal compliance, and corporate governance.
- Direct all financial operations for a multi-office real estate enterprise, overseeing accounting, HR, payroll, benefits, compliance, and financial reporting.
- Led enterprise-wide Disaster Recovery and Business Continuity operations, ensuring all facilities, systems, and personnel were fully prepared for rapid recovery across multiple crisis scenarios, including COVID-19 and two major hurricanes.
- Maintained uninterrupted delivery of business-critical functions and restored operations at three severely impacted office sites, enabling a swift return to pre-disaster revenue levels and protecting organizational stability during high-risk events.
- AP/AR, Commission Structures & Financial Controls
- Oversee full Accounts Payable and Accounts Receivable operations, including vendor management, cash flow optimization, and receivables performance.
- Govern complex agent commission structures, ensuring accurate calculation, timely disbursement, and compliance with contractual and regulatory requirements.
- Implement and maintain robust internal controls to safeguard financial assets and ensure audit-ready accuracy.
- Audit all real estate closing files for compliance, documentation integrity, and financial correctness.
- HR, Benefits & Organizational Leadership
- Lead all Human Resources functions for the company, including payroll, compensation strategy, employee relations, performance management, and policy development.
- Lead company effort to reduce staff size by 50% over a period of five years leveraging efficiencies, improved systems, and updated technology to decrease payroll costs for an annual cost reduction of $240,000.
- Manage company-wide benefits programs, including health insurance, retirement plans, eligibility tracking, and vendor negotiations.
- Oversee staff supervision, coaching, and professional development to build a high-performing, accountable financial and administrative team.
- Operational Excellence & Reporting
- Perform monthly bank and credit card reconciliations with complete accuracy.
- Prepare annual 1099s for agents and vendors.
- Produce executive-level production, profitability, and performance reports to guide strategic decision-making.
- Support closing operations for referrals, rentals, and sales, ensuring seamless transaction processing and compliance supporting over 400 agents across 7 office locations.
Treasury & Cash Accounting Leader
18 Years- Managed daily cash reconciliation and resolved discrepancies across high-volume accounts.
- Prepared cash disbursements and monitored all EFT activity.
- Managed daily cash reconciliation, resolving discrepancies across high-volume accounts to ensure accuracy.
- Conducted fraud investigations for bank accounts and Visa transactions, strengthening financial security.
- Prepared cash disbursements and monitored EFT activity to maintain cash flow integrity.
Education
MBA - Accounting
BA - Accounting
AA - Liberal Arts
AS - Office Management
Skills
Financial Strategy & Planning
Capital Management
Executive Reporting
Financial Analysis
Budgeting
AP/AR Oversight
Internal Controls
Audit & Compliance
Treasury Management
Cash Flow Management
Community Volunteer Activities
Southshore Chamber of Commerce, Recurring volunteer, Recurring volunteer supporting Southshore Chamber of Commerce annual major fund raiser event
Timeline
Real Estate Agent
Century 21 Beggins Enterprises
01.2021 - CurrentRead More
Senior Accountant
Communities First Association Management
01.2018 - CurrentRead More
Chief Financial Officer (CFO)
Century 21 Beggins Enterprises
01.2013 - CurrentRead More
Treasury & Cash Accounting Leader
Rooms To Go Furniture
01.1995 - 01.2013Read More
Hillsborough Community College
AS from Office Management
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Hillsborough Community College
AA from Liberal Arts
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Saint Leo University
BA from Accounting
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Saint Leo University
MBA from Accounting
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