Andy Michael Email & Phone Number

Charlotte, North Carolina Area

Relationship Management coverage within the Wealth Management, Family Office, Legal Specialty Group and the Commercial Middle Market Bank to help clients develop solutions for their foreign currency and interest rate needs; cash, risk, and investment management of FX and Rates specifically. Responsible for identifying opportunities, generating sales and managing client accounts for the Central and Eastern US regions. Educate clients from a consultative approach, individuals to C-suite level, through the entire sales process from business development introductory phase, strategy discussion, identification of support cash/treasury/risk/investment needs, complex product deep dives, IT interface and process, credit review, documentation, execution. Lastly building strong working relationships and working effectively with internal partners to position for strategic value creation as we adapt with changes in the market and workplace.

Charlotte, North Carolina Area

Accumulated capital and RWA forecasting for WFC and all subsidiary depository institutions. Documented and reported the Company’s capital planning framework with regard to the balance sheet forecasts and related risk-weighted asset (RWA) projections, planning and recommendations under existing and evolving banking regulations. Developed reports that communicate capital forecasts with senior management, ALM, Enterprise Basel, FP&A, all Credit workgropus, depository institution boards and the Finance Committee of the WFC Board. Heavily involved with CCAR and stress testing processes for the Company.

Charlotte, North Carolina Area

Monitored forecasted exposures to assure proper hedge cooverage for the fair value, cash flow, and economic hedge programs used to mitigate interest rate and FX risk inherent in the balance sheet. Performed monthly and quarterly foreign exchange gap analysis to determine the impact on the income statement and balance sheet of plan vs. actual ; maintained Cumulative Translation Adjustment allocations for all non-USD entities. Collaborated with IT teams to create and develop application(s) to streamline hedge and capital balance process. Aggregated and synthesized global ledger data as part of the International Balance Sheet project; built out reporting and metrics around international business and interactions with Treasury, Segments, and LOBs.

Charlotte, North Carolina Area

• Responsible for providing financial forecasting and analysis regarding a variety of financial projects including: capital structure planning, creative financing opportunities, acquisition/divestiture activity, leasing, pension and interest rate and foreign exchange risk management • Managed company's liquidity needs through credit/financial crisis environment; credit availability, debt covenant requirements, LT Debt issuance, revolver bank consolidation, and share repurchases • Maintained FAS 133, FAS 52, FAS 157, and FAS 161 reporting on a monthly and quarterly basis in addition to foreign exchange and interest rate swap hedge programs and effectiveness models. • Supported European Cash manager regarding cash pools, cash reporting, swaps, loans/deposits, and cash flow in subsidiaries• Worked directly with Treasury Solutions Officers and Relationship Managers on requests for proposals, negotiated pricing, and assisted in solution plans from both a treasury working capital, fx/rates risk and pension asset management perspective• Developed improved pension modeling capability to integrate PPA funding requirements, funded status and forecasted P&L pension expense over time. Assist with fully developing funding and expense models for US and UK pensions.

Greater Chicago Area

Education record

Education record