Daniel Melo Email & Phone Number

Miami/Fort Lauderdale Area

• Act as a Country Ambassador to foster and maintain relationships across teams within the Consumer Portfolio.• Form trusted partnerships to enhance uptake of official forecasts.• Accountable for forecasting and tracking credit losses and recoveries to ensure proper sufficiency of assumptions. • Responsible for adequacy of the Loan Loss Reserve by product, which includes validating the input and output from the straight rate models, assessing the need for management adjustments based on portfolio risk or the macroeconomic environment, and providing written justification for such adjustments.• Monitor and escalate Net Credit Losses and Loan Loss Reserve deviations from Plan and other forecasts.• Portfolio segmentation and trend analysis to identify drivers in portfolio performance, opportunities, and potential risks.• Develop portfolio stress tests required by Global Credit Risk and Fraud Management Policy to ensure triggers and tripwires are aligned with the inherent portfolio risk and the external environment.• Oversight of the Portfolio Monitoring and Categorization across all countries within the Andean and Central American Region. This process includes detailed P&L analysis and coordination and follow-up with business and finance partners.• Support Country Risk Manager by providing pertinent information to be presented to Cluster Risk Manager and Andean and Central American CEO.• Assist the Policy & Analytics group to develop and execute portfolio strategies to support current goals.• Voice of the Employee Champion.

Miami/Fort Lauderdale Area

• Answerable for marketing and selling of cost benefit analysis to determine the project's viability.• Structured all expense budgets for Risk Management in Central America, including allocation criteria, and BAU management for a structure of 120 employees and an annual budget of $50MM.• Lead the reporting for Cost of Credit on a monthly basis for Central America; containing 75 Portfolios with $3.6bn in assets. • Liable for preparing weekly and monthly reports which provided current data necessary to assess the Portfolio performance.• Produced the Portfolio Classification for all of Central America to determine the stability.• Generated, reviewed, and analyzed MIS and other valuable information to support monthly Portfolio Quality Reviews.• Collaborated in Strategic Planning and Forecasting.

Miami/Fort Lauderdale Area

• Consolidated and prepared financial analysis for the Latin American Global Consumer Group. • Created, delivered and participated in monthly financial business review presentations to Senior Management. • Reconciled and monitored key indicators for business analytics across various products, regions and segments.• Analyzed Income Statements and Balance Sheets to interpret variances versus Plan and other forecasts. • Developed and managed database using Essbase to ensure reliable and accurate information. • Acted as a liaison by reporting all corporate financial requests to NY and Mexico while enhancing communication channels. • Shared best practices across Latin American countries.• Partnered with Product Managers, Marketing, Sales, and HR to provide in depth analysis. • Improved business reporting by implementing Controllable Package Reviews to identify potential risks and opportunities.

Miami/Fort Lauderdale Area

• Prepared market share analysis, macroeconomic data, and trend analysis for strategic planning presentations. • Participated in business strategy development and implementation for product profitability management. • Implemented an automation process that reduced the time spent creating reports; allowing for more time to review information and draw conclusions.• Launched an Essbase cube in London to facilitate analysis for the European Regional Planning and Analytics team.

• Provided support for database and executive management for the products and segments within Retail Banking – LATAM.• reated spreadsheets for AD Hoc analysis.

Miami/Fort Lauderdale Area

• Acted as a lead engineer on multiple projects simultaneously, exceeding $500,000, with various internal departments, developers, city, county, and state representatives, and other utility companies.• Maintained telecommunications facilities and systems in residential and business areas to meet customer demands for a specific geographic region.• Executed advanced technological designs for DSL, PC Data, broadband video, and other telecom services. • Implemented a software product designed to reduce costs by 85% incurred in determining easements and right-of-ways. • Maintained customer relations by interacting as a liaison between internal engineering departments and external clients, and was reward numerous times for outstanding customer satisfaction. • Mentored fellow outside plant engineers.

Masters, Masters Of Business And Administration

International Buisness

Bachelor Of Science, Mechanical Engineering

Mechanical Engineering