TIMOTHY TOROSIAN
Port Washington,USA
Summary
Dynamic finance leader with extensive experience, excelling in budgeting and forecasting. Proven track record in strategic planning and process optimization, driving significant improvements in financial performance. Adept at building high-performing teams and fostering business partnerships to deliver actionable insights and enhance decision-making.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Financial Planning and Analysis Lead
CITI
New York, NY
09.2021 - Current
- FP&A lead for US Personal Banking (US Cards, Retail Banking and Mortgage), responsible for enterprise planning processes, executive insights and regulator-led submissions
- Lead end-to-end long-term planning and forecasting processes, including Quarterly Multi-Year Multi-Scenario Forecasts, Annual Operating Budget, and Resolution & Recovery Planning
- Provide strategic financial insights to senior management to support performance measurement, scenario evaluation, and business decision-making across products
- Develop and deliver executive-level presentations summarizing key results, for business and finance leadership
- Drive continuous improvement and governance in the design and implementation of the long-term planning processes across the business to drive best practices, simplification, and standardization
- Lead and develop a high performing global FP&A team across New York, India, and Costa Rica
Finance Director, Corporate Financial Planning and Analysis
AMERICAN EXPRESS
New York, NY
09.2018 - 09.2021
- Led enterprise-wide financial planning, consolidation, and executive reporting
- Directed consolidation of the company's Annual Plan and Long-Range Plan, delivering insights on financial performance, trade-offs, and strategic priorities to senior leadership
- Developed long-term scenario analyses to assess financial outlook and inform enterprise strategy and shareholder value creation
- Produced executive and board-level presentations used for internal decision-making and external communication with regulators and investors
- Partnered with Investor Relations to align internal forecasts with external financial messaging
- Collaborated with Financial Systems teams to enhance planning and forecasting processes, improving efficiency and the quality of KPI reporting
- Built strong partnerships with business unit finance teams to deepen understanding of strategic drivers
- Managed and developed high-performing global teams in New York and India
Senior Finance Manager, US Consumer and Small Business Card
AMERICAN EXPRESS
New York, NY
09.2014 - 09.2018
- Led financial analysis and decision support for the US Consumer and Small Business Card businesses
- Developed the Long-Range Plan and annual budget, incorporating consumer behavior, industry trends, macroeconomic factors, and competitive dynamics
- Delivered quarterly business reviews, monthly scorecards, and balance-of-year forecasts to senior leadership
- Identified key revenue and expense drivers to surface strategic opportunities and risks, and collaborated with the corporate FP&A team on R&Os and forecast submissions
- Managed and developed high-performing global teams in New York and India
Finance Manager, Financial Planning and Analysis, Auto and Student Lending
JPMORGAN CHASE & CO.
New York, NY
02.2012 - 09.2014
- Led monthly business reviews for the Auto Finance business, communicating performance and drivers to senior management
- Managed CCAR stress testing processes to meet regulatory requirements
- Produced the annual operating plan (approximately $1B in scope) and multi-year strategic plan
Finance Business Partner, Business Performance and Analysis
BARCLAYS
New York, NY
08.2009 - 01.2012
- Led Marketing Investment Optimization, analyzing campaign-level ROI and recommending reallocations to senior leadership
- Consolidated and reported financial performance across global credit card business units
- Developed reporting packages highlighting trends, variances, risks, and opportunities for executive management
- Presented enterprise revenue and expense analytics to senior finance leadership, including the CFO
Senior Financial Analyst, Consumer Deposits
CITI
New York, NY
05.2007 - 08.2009
- Managed planning and reforecasting for a ~$100B consumer deposits business.
- Analyzed balance trends to support pricing and marketing decisions, contributing to increased new-to-bank balances and reduced attrition.
- Provided budgeting, forecasting, variance analysis, and executive reporting support to senior finance leadership.
Financial Analyst, Financial Planning and Analysis, U.S. Consumer Bank
CITI
New York, NY
05.2006 - 05.2007
- Provided strategic support in the budgeting and forecasting process by creating financial models to analyze and to report financial results to help facilitate senior management business decisions
- Performed trending, variance analysis with commentaries and supported all ad-hoc requests/projects for the Retail Banking CFO
Education
Bachelor of Arts - Finance
MICHIGAN STATE UNIVERSITY
East Lansing, MISkills
- Budgeting & Forecasting
- Business Partnership
- KPI Reporting
- Leadership
- Strategic Planning
- Transformation/Process Optimization
Additional Information
Proficient in MS Office, Hyperion Essbase, Oracle, TM1, Oracle and Business Objects, Tableau, Power BI and OneStream
Certification
Harvard University Certificate in Leadership Excellence
Timeline
Financial Planning and Analysis Lead
CITI
09.2021 - Current
Finance Director, Corporate Financial Planning and Analysis
AMERICAN EXPRESS
09.2018 - 09.2021
Senior Finance Manager, US Consumer and Small Business Card
AMERICAN EXPRESS
09.2014 - 09.2018
Finance Manager, Financial Planning and Analysis, Auto and Student Lending
JPMORGAN CHASE & CO.
02.2012 - 09.2014
Finance Business Partner, Business Performance and Analysis
BARCLAYS
08.2009 - 01.2012
Senior Financial Analyst, Consumer Deposits
CITI
05.2007 - 08.2009
Financial Analyst, Financial Planning and Analysis, U.S. Consumer Bank
CITI
05.2006 - 05.2007
Bachelor of Arts - Finance
MICHIGAN STATE UNIVERSITY