Bernardo S. Email & Phone Number

United States

San Antonio, Texas, Estados Unidos

Developed and implemented a comprehensive credit risk rating system including ESG.Developed the money laundering prevention framework and risk-based money methodology to evaluate potential exposure to money laundering or terrorism financing activities.Developed and implemented NADB’s credit risk and capital adequacy framework in accordance with Basel guidelines to calculate capital requirements based on risk-weighted exposures of its loan portfolio.Created an independent credit risk unit and functions with active participation in the Bank’s Committees.Led the development of general allowance for loan losses methodology based on the probability of default from internal ratings and market factors such as country and project sector risk. Full responsibility for Bank’s financial and operational risk.Identified, reviewed, assessed, mapped, and improved 75 sub-processes; implemented controls.Developed/updated NADB’s internal regulation framework and internal guidelines:o Cash accounts policyo Swaps and derivatives policyo Money laundering prevention policy o Procurement policyo Information management policy developmento Committee guidelines o Internal procurement policy updateo Pricing methodology

Full responsibility for the strategic planning, development and leadership of the entire corporate finance organization for this US$300 million international telecommunications group. Direct financial planning and analysis, accounting, tax, treasury, budgeting and administrative functions through a 12 person management team.• Generated more than US$12 million tax related savings.• Improved reporting time for consolidated financial statements from 3+ months to 1 month from closing period (more than 30 legal entities multicurrency).• Negotiated complex international contracts to increase revenues with main suppliers.• Coordinated efforts within external attorneys for an appeal related to 2006-2007 IRS audit process, for one of the US legal entities.• Leaded the audit process, by IRS, for one of the legal entities in the US, for the 2008-2009 fiscal years.

Hold autonomous decision making for all financial and administrative functions of this US$200 million electronic security company. Reported to the Board of possible risks that might jeopardize the financial situation of the Company. Improved and supervise controllership, treasury and human resources operations. • Directed and prepared the required information for a data room and info-memo, in conjunction with external financial advisors, in order to obtain capital infusion.• Obtained first clean audit opinion in the history of the company from a top 4 accounting firm.• Designed the strategy for the improvement of accounting policies in order for the financial statements to be more accurate…revenue recognition in accordance with US GAAP (financial statements were converted to GAAP), reserves creation and adoption of B10, D3 and D4 (Mexican GAAP requirements).

Responsible for cash conversion cycle, buy (AP); convert (Working Capital); sell (AR), operations and accounting; owner for FX exposure analysis and hedge strategy for the region; consolidate regional data and promote regional initiatives, responsible for monitoring own portfolio, identifying potential problems and proposing and implementing corrective actions and provide support for portfolio acquisitions, due diligence, collateral analysis and other new business opportunities. • Increased CFOA by 30%, highest historical level, by the true sale of receivables. • Reduced past due from 20 to 7%, by the constant negotiation with customers. • Developed hedge strategy for the region, mitigating the risks to the cost of financial instruments.• Designed and implemented the investment, credit and money laundering prevention policies for the region.• Restructured billing process, improving billing accuracy from 70 to 99%.• Developed alternative financing programs for the commodities segment, increasing sales by 10% for the segment. • Coordinated the implementation of the ERP established by the region for the Mexican operation, overcoming change resistance.• Honored with the Great People, Great Company award.

Identify and develop investment projects that contribute to the development of infrastructure in the region, analyze and structure financing package proposed to utilities and perform financial forecasting and risk analysis in order to evaluate the projects. Advice utilities in determining the correct rate structure for the implementation of the projects.• Promoted and structured the financing and development of infrastructure projects within the USA – Mexico border region, balancing the mix between credit and grants.

Serve as a key member in the brokerage services, investment management and private banking services to new high net worth individuals. Established and maintain strong relationship with clients to continually drive asset management / revenue growth. • Developed a personalized sales/consulting strategy and brought US$80 million in assets in only 2 ½ years.• Consistently exceeded established account development and revenue generation goals.• Employed numerous investment instruments in complex option hedging strategies and trading scenarios.• Honored with the Best of Texas award and the Executives Club designation for outstanding performance.

High-profile administrative / liaison affairs position supporting the President of Mexico and other top personnel throughout the organization. Managed special projects, produced daily and monthly reports on financial and economic information for the President, collected information for State of the Nation Reports and trips/speeches worldwide, and interface with executives from the private sector consulting on government matters. Reported to the Technical Secretary of the Economic Cabinet.• Simplified the data gathering process from different ministries, for the elaboration of President’s speeches and/or trips, reducing dissemination and compilation time from 8 hours to one.• Restructured the process to elaborate daily economic/financial information for the President.