Rene Gonzalez Jr.
San Antonio,Texas
Summary
Highly passionate and dynamic professional with 12+ years of experience in corporate finance. Drives efficiency through partnerships and innovation in diverse industries. Results-driven, dedicated, and organized individual known for establishing strong working relationships and achieving results by leveraging strategic business acumen to optimize performance and capitalize on growth opportunities. Able to engage senior leadership to enable enterprise strategies.
Overview
18
18
years of professional experience
Work History
Investment Analyst
USAA Contract through Millenium
San Antonio, Texas
01.2024 - Current
- Co-Manage Performance Measurement Reporting for Chief Investment Office (CIO)
- Provide MTD, YTD and Last 12 months returns for USAA portfolios (P&C, Life, Bank, and CapCo) for monthly and Board reporting
- Perform and document variance analysis for internal and external returns
- Lead communications with external partners while performing governance duties and document for audit purposes
- Ad hoc duties as needed with current process improvements.
Sr. Financial Analyst
Frost Bank
San Antonio, Texas
10.2019 - 04.2022
- Managed the DFAST stress testing process
- Communicated to senior management and Asset/Liability Committee (ALCO) through presentations and committee meetings, the direction of progress, and results of the stress tests for Liquidity, Interest Rate Risk and Capital testing
- Coordinated with risk, credit, treasury, capital markets and FP&A teams for scenario planning and assumptions for each stress test parameters
- Provided guidance based on results and mapped these out in playbooks for reference
- Streamlined for process improvement and ensured proper documentation for compliance and audit
- Documented standard procedures for better knowledge transfer regarding stress testing
- Updated and worked with key stakeholders to update Contingency Funding Plan and updated mitigation plans to liquidity risk, resulting in audits by the Federal Reserve System (FED) to be straightforward
- Performed Ad hoc analysis as needed, monthly reporting related to Key Performance Indicators (KPI) such as Liquidity Coverage Ratio (LCR) and High-Quality Liquidity Assets (HQLA).
Financial Analyst – Corporate Treasury – Liquidity Strategy
USAA
San Antonio, Texas
08.2006 - 10.2019
- Provided monthly analysis on LCR and HQLA as part of monthly business reporting based on FED and the Office of the Comptroller of the Currency (OCC) guidelines
- Lead project and innovation gains by 98% collaborating with cross-functional team on reporting of key performance indicators
- Performed monthly variance analysis and financial reporting for (ALCO) on balance sheet, income statement and cash flows for enterprise and subsidiaries (Bank, P&C, Life and Investment Companies), identified trends and business cases for monthly business reports for management
- Provide guidance on risks and opportunities for adjusted budget and forecast as needed
- Implemented new financial model (LCR) for enterprise to analyze liquidity health for entire company, collaborated with partners to grade and track over $75B in portfolio assets (Bank, P&C Life Insurance Companies)
- Key player on Treasury Management System (TMS) project to automate daily and monthly reports improving efficiency and managing over $10B in cash across entities
- Reported daily dashboard of cash, available collateral, deposits, and credit card balances for senior management review
- Collaborated with team members stakeholders (P&C, Life, Bank, Investments, and Risk Management) on producing DFAST Stress Testing, Contingency Funding Plans and Liquidity Playbooks for the parent company and bank on an annual basis, including scenario modeling, narrative, and governance navigation
- Supported department as it relates external and internal regulatory audits.
Financial Analyst – Chief Financial Office – Professional Rotation
USAA
San Antonio, Texas
05.2011 - 06.2014
- Bank Forecasting and Planning
- Performed monthly variance analysis for monthly business meetings (MBMs)
- Focused on strategic planning, balance sheet budgeting, forecasting and reporting for credit cards and auto loans
- Collaborated on DFAST including template building, data mining, and financial model maintenance
- Documented processes and procedures to business partners to ensure controls were in place for compliance and prepared Ad hoc analysis as needed
- Chief Risk Office
- Prepared monthly reports for several committees including BOD, Risk Council, Asset/Liability and Operational Risk committees
- Accountable for several metrics on monthly Risk Report and KPI and performed Ad hoc analysis as needed
- General Accounting
- Month-end closing of financial statements and automated several accounting processes for efficiency
- Prepared reconciliations to the general ledger as needed for month-end closure.
Relationship Manager – Financial Advance Center
USAA
San Antonio, Texas
08.2006 - 05.2011
- Partnered with Wealth Mangers to manage over $850M in client assets
- Retained over $125M in client assets during financial crisis with expert product knowledge and empathy towards client needs
- Client services included Investment Portfolio evaluation and asset allocation review, risk management, plan implementation, and service needs across the enterprise
- Bridged communication between various resources to deliver seamless solutions.
Education
Bachelor of Business Administration in Finance -
University of Texas at Austin
Skills
- Project Management
- Leadership
- Financial Planning
- Analysis
- Financial Statement Expertise
- Process Improvement
- Innovation
- Variance Analysis
- Financial Modeling
- PeopleSoft
- Oracle Hyperion
- Essbase
- Excel
- PowerPoint
- IBM TM1
- SNL Financial
- Moody's Analytics
- WDesk
- Bloomberg
Timeline
Investment Analyst
USAA Contract through Millenium
01.2024 - Current
Sr. Financial Analyst
Frost Bank
10.2019 - 04.2022
Financial Analyst – Chief Financial Office – Professional Rotation
USAA
05.2011 - 06.2014
Financial Analyst – Corporate Treasury – Liquidity Strategy
USAA
08.2006 - 10.2019
Relationship Manager – Financial Advance Center
USAA
08.2006 - 05.2011
Bachelor of Business Administration in Finance -
University of Texas at Austin
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