VALERIA MARQUES SANTOS

Finance and Accounting Professional | 14+ Years of Experience in the Financial Sector

Experienced finance and accounting professional with over 14 years in the financial sector, working with large companies. Holds a Bachelor's degree in Human Resources Administration (UNINOVE) and Accounting (Centro Universitário FIEO), as well as an MBA in Tax Management (FIPECAFI). Demonstrates a comprehensive understanding of financial statements, tax legislation, auditing, and budget management.

Key areas of expertise include:
- **Financial Statements & Reporting**: Extensive experience in analyzing financial statements, managing accounting processes related to credit cards, private labels, and digital payments, and preparing management reports for top executives.
- **International Accounting Standards**: Proficient in IFRS, with the ability to apply these standards to enhance the accuracy and reliability of financial reporting.
- **Tax Management**: In-depth knowledge of tax legislation and calculations, including ISS, IOF, IRPJ, PIS, COFINS, deferred IRPJ and CSLL, as well as expertise in calculating actual and presumed profits, royalties, and deductibility of expenses.
- **Auditing & Reconciliation**: Strong background in internal and external auditing processes, accounting reconciliations, and managing provisions for doubtful debts, ensuring accuracy and compliance.
- **Budget & Cost Management**: Skilled in budget planning, monitoring actual vs. forecasted performance, identifying deviations, and working with cross-functional teams to develop corrective action plans.
- **Process Improvement**: Certified Green Belt in Six Sigma (Anova) with expertise in applying Kaizen methodology to drive process improvement and ensure quality control.
- **Client Relations & Presentations**: Proven ability to lead client meetings, present financial data, and deliver clear and actionable insights to top management.
- **Analytical & Problem-Solving Skills**: Strong analytical vision to examine accounting records, prepare financial statements, and conduct financial reconciliations. Adept at handling unforeseen challenges and developing alternative solutions.
- **Communication & Teamwork**: Excellent interpersonal skills, with a track record of building constructive relationships with supervisors and co-workers, contributing to a collaborative work environment.

Highly organized and disciplined, with a logical approach to solving financial challenges, and a commitment to delivering accurate, timely financial insights to drive business decisions.

• Special Topics in Financial Statements, Regional Accounting Council of the State of São Paulo, 06/15/18, São Paulo, SP
• Cash Flow Statement - NBC TG 03, Regional Accounting Council of the State of São Paulo, 06/13/18, Cotia, SP
• CPA-20 Certification, Associação Brasileira de Entidades dos Mercados Financeiros e de Capitais, 05/02/13
• Card Business Basics, Visa Business School, 10/06/10, Rua Sete de Abril, 230, São Paulo, SP
• Financial Mathematics using the HP-12C calculator, Federação Brasileira de Bancos, 06/06/09 to 07/08/09, São Paulo, SP
• Six Sigma Green Belt UNICARD Program, ANOVA SixSigma Experts, 12/01/07, Avenida Eusébio Matoso, 891, São Paulo, SP

• Itaú Unibanco, 2008, Employee of the Year
• Itaú Unibanco, 2007, Employee of the Year

● Focal point in the remodeling project of the Chargeback bases received from the flagships and processing in the merchants' bank accounts (Cielo clients). Through the mapping and structuring of this process, it was possible to mitigate financial losses and bring consistent results for the company. (Employer Trabalho Temporário S.A)

● Participation in the Unibanco migration and deactivation project, implementing necessary controls in the accounting area. The performance of this project ensured that the financial settlements between banks and card associations occurred in such a way as to avoid losses or damages to the bank.

● Automation of the process of adjustment/refunds to credit card customers, ensuring compliance with deadlines and elimination of manual processes.

● Creation of indicators, facilitating decision-making.

● Strong performance in corporate projects, mapping, reengineering, and process improvements with operational benefits and risk mitigation.