MICHELLE K. FORD
Riverside
Summary
Results-driven accounting and operations professional with 15+ years' experience in bookkeeping, office management, HR, and financial product management. Proven ability to streamline processes, enhance accuracy, reduce costs, and deliver innovative solutions that drive business growth. Skilled in compliance, vendor relations, municipal permitting and cross-functional leadership.
Overview
25
25
years of professional experience
Work History
Full Charge Bookkeeper/Office Manager
JFD CORPORATION
08.2017 - 07.2025
- Manage, maintain and improve timely, updated, accurate and integrated accounting and financial management reports and systems by providing timely reports to increase revenue, stay on top of weekly job costs, develop exact labor and equipment rates, assist estimating with final project costs, provide cash-flow projections, manage and invest cash balances, provided detailed work-in-process (WIP) and completed progress schedules, manage the line of credit.
- Managed full-charge bookkeeping, including AP/AR, payroll, bank reconciliations, general ledger, and month/year-end closings.
- Oversaw office operations, vendor relations, scheduling and administrative workflows for maximum efficiency.
- Directed human Resources functions: onboarding, employee relations, benefits, administration and policy compliance.
- Coordinated municipal and state permitting processes from application to approval, ensuring compliance with local and state regulations.
- Prepared financial statements, budgets and reports; liaised with CPA’s, auditors, and regulatory agencies.
- Maintained accurate and confidential financial, HR, and permitting records while streamlining processes.
Senior Digital Product Manager, VP
FIRST NIAGARA FINANCIAL GROUP
02.2013 - 12.2016
- Managed the business lines product strategy, opportunity and customer requirements to expand market share and meet revenue goals in conjunction with managing all Digital applications products life cycle ensuring product demand readiness and preparing the applications for product strategy shifts.
- Defined project scope, goals and deliverables to ensure consistency with company strategy, commitments, market, regulations, compliance and security requirements for the current and future digital product solutions.
- Led project management in product development, testing and validation, risk assessment and optimize production efficiency on all digital product lines.
- Investigated and resolved data discrepancies through data audits to ensure and improve data integrity.
- Developed vendor contract process improvement reviews.
- Established and presented training materials for sales and account management teams.
- Monitored operation programs to ensure policies and procedure are followed, goals and objectives are met and services and projects are accomplished efficiently and effectively.
- Facilitated the development and implementation to replace the Business Online Banking platform from a vendor hosted solution to an in-house single sign-on portal with new mobile technology.
- Managed bank wide conversion projects including bank acquisitions, system conversion project for Treasury Management’s Digital Reporting and Payment programs.
Business Development Product Manager, VP
SANTANDER BANK, NA
12.2006 - 02.2013
- Responsible for the entire product life cycle for several Cash Management online product applications (Business Online, BAI and SWIFT File Data Exchange, Alerts and Electronic Statements)
- Implemented cost savings initiatives to reduce internal IT and operation expense and reduced vendor expenses.
- Managed vendor relationships including pricing negotiations and service level agreements (SLA’s).
- Developed Product Knowledge training programs for Sales Officers, Relationship Managers, Technical support and operations staff.
- Ensured compliance with the Bank’s Business Standards of Conduct for the Patriot Act, CIP, Anti-Money Laundering, Bank Secrecy Act, information security, suspicious activity reporting requirements, and other regulatory and compliance programs.
- Created online banking product offerings/packages for Commercial and Large Corporate customers; managed online product offering for Small Business and Business Banking customers.
- Increased the bank’s product visibility by attending industry conferences and calling on key customers and prospects to close deals.
- Participated in required corporate and business line Compliance Trainings.
- Supported product capabilities, client migrations and host system conversions to merge two bank platforms (Sovereign to Santander).
Product Development Manager
ACI WORLDWIDE INC
03.2000 - 12.2006
- Collaborated with cross functional teams to develop & provide product definitions responsive to needs and market opportunities resulting in new module fees.
- Implemented and managed Intuit’s Quicken and QuickBooks WebConnect integration working with Development, QA, and selected customers through Product certification.
- Maintained product features, functions, market demand, regulatory requirements, competition, technology and banking trends.
- Defined business requirements and functional specifications in conjunction with product strategy and/or specific customer requests.
- Managed the definition of the release, build and patch content.
- Maintained knowledge sharing documents (Marketing Sales Sheets, End User Guides, Online Help Pages, and Release Overviews)
- Illustrated product demo development requirements for custom and standard releases.
Education
Certificate Course - Business, Management
Clark University
Braintree, MA01.1999
Skills
- Internal controls implementation
- Accounting and bookkeeping
- Exceptional organization
- Project accounting
- Accounting software proficiency
- Project management
Affiliations
- BAI (Bank Administration Institute)
- AFP (Association for Financial Professionals)
- Blue Star Mothers of America
- Run to Home Base
Training
JANEK Performance Group, Boston, MA 2011 Building Business & Critical Selling Skills
Timeline
Full Charge Bookkeeper/Office Manager
JFD CORPORATION
08.2017 - 07.2025
Senior Digital Product Manager, VP
FIRST NIAGARA FINANCIAL GROUP
02.2013 - 12.2016
Business Development Product Manager, VP
SANTANDER BANK, NA
12.2006 - 02.2013
Product Development Manager
ACI WORLDWIDE INC
03.2000 - 12.2006
Certificate Course - Business, Management
Clark University
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