Sandra Suarez Cruz

• Own full-cycle GL accounting for 40+ accounts at a $984M financial institution, completing month-end close in approximately 4 days through Fiserv-based reconciliation automation — a 30% reduction in close cycle time.
• Prepare GAAP-compliant quarterly and annual financial statements including income statements, balance sheets, and cash flow statements for senior management and the board of directors.
• Reconcile and settle approximately $10M in daily transaction volume across EFT/ATM networks and credit card settlements, maintaining 100% accuracy and zero audit findings across all internal and NCUA regulatory examinations.
• Reduced EFT/ATM settlement reconciliation time by 67% (from 3 hours to 1 hour per day) and automated mobile deposit processing from 1 to 2 hours down to 45 minutes per day, reclaiming 2+ hours of daily accounting capacity.
• Contributed to Fiserv ERP implementation, resulting in 25% improvement in processing efficiency and fewer manual entry errors across GL, AP, payroll, wire transfer, and ACH workflows.
• Partner with FP&A and senior leadership on variance analysis, budgeting, and forecasting; deliver financial analyses covering product profitability, branch performance, mortgage servicing, indirect lending, and loss reserve modeling.
• Acted as primary liaison for internal and external audits and NCUA regulatory examinations; prepared internal control procedures and presented findings to auditors and examiners, achieving zero material findings.
• Mentored and developed Accounts Payable Specialists and Staff Accountants on GL procedures, Fiserv workflows, and reconciliation best practices to enhance team proficiency.
• Support 7 branches and 4 departments including Loan Servicing, Mortgage, Consumer Lending, and Operations as the primary accounting resource for complex transactions and procedural guidance.

• Applied ASC 606 revenue recognition standards across a multi-industry client portfolio, ensuring accurate revenue timing and classification with zero material audit adjustments.
• Managed monthly, quarterly, and annual accounting cycle for portfolio of 10 clients across multiple industries, ensuring timely delivery of GAAP-compliant financial statements.
• Conducted comprehensive account analysis across intercompany accounts, fixed assets, prepaids, accruals, and loans; identified and resolved discrepancies prior to client delivery.
• Maintained 100% on-time sales tax and payroll tax compliance across the entire client base, eliminating penalty exposure.

• Executed month-end close procedures, preparing journal entries and reconciling expense accruals while analyzing balance sheet accounts for GAAP compliance.
• Reviewed and analyzed transactions to confirm proper income and expense recognition, escalating and resolving discrepancies with senior accounting team for accurate financial reporting.
• Classified and tracked expenses, ensuring proper recognition while maintaining organized documentation to support audit readiness and internal control compliance.
• Initiated process improvements that increased operational efficiency within the accounting department workflows.

All 4 CPA Exams Passed – License Expected on August 2026

GPA: Cum Laude