Danny Moncayo Email & Phone Number

Toronto, Ontario, Canada

As a Senior Credit Underwriter, I specialize in assessing high-risk merchant applications, making credit decisions for new merchant accounts with a high risk exposure. My role involves conducting thorough financial statement and industry analysis to evaluate creditworthiness and minimize liability risk. I collaborate closely with the Lead Underwriter, Underwriting Manager, and Director, providing recommendations on accounts beyond individual approval authority. Additionally, I ensure departmental productivity goals are met while delivering exceptional customer service to prospective merchants, sales reps, and internal stakeholders. I handle priority items, special projects, and financial analysis of existing merchants to support the smooth operation of the department.

Toronto, Ontario, Canada

• Approves or declines merchants applying for payment processing services by: understanding their business models and industries, performing credit and financial analysis , and detailed research on the businesses and individuals to assess their creditworthiness; proposing approval conditions for borderline cases to grow the business while mitigating risk• Reviews credit reports, and evaluating financial statements on existing merchant, in order to maintain a safety and profitable the portfolio.• Oversees the underwriting of projects boarding merchant groups, usually multi-million dollar merchants , with 10-75 locations daily and over 30 projects annually • Performs risk assessment and industry comparative analysis on potential merchants as well as high risk merchant as required by the internal credit policy and the credit cards network.• Trained the credit support team in underwriting applications

Toronto, Canada Area

Assisting in the day-to-day operations of the Import process ensuring a smooth and timely entry for the merchandise into Canada. The core functions for this position includes the opening and amendments of Letter of Credits, communicating information and instructions to/from vendors, being a liaison between Buyers, Vendors, Banks, Freight Forwarders, Brokers and the import department .As an import clerk, I coordinated the import of sea, air and road shipments, customs clearance and delivery by daily assisting with the verification of bills of lading, letters of credit , certificates of origin, project export documentation, storage and delivery documentation

The Student Success Team at George Brown College School of ESL focuses not only in helping student to improve their English Skills, but also to develop their soft skills, as a Success Coach I facilitated Public Speaking workshops, Conversation Circles, Leadership training for volunteer and class representatives. In addition, I collaborate closely with the Event Team planning a managing event projects for our students. For the length of my work experiences at GBC, I was designated to manage the Volunteer's program database generating statistic, executive reports, updating the data and coordinating with the volunteer's program coordinator new and more efficient approach to increase the volunteer community.My experience at George Brown College, is definitely a very unique experience to help other, learn from them and improve myself.

Daule, Guayas Ecuador

Responsible for the development and implementation of policies and procedures related to collection, tax determination and calculation, revenue forecasting and ensuring that internal controls were in place to minimize tax avoidance while meeting legislative obligations that rules the public sector. Ensuring the taxation is aligned with the city´s objectives, citizens, industries and other governmental organizations within the city jurisdiction.Key activities:• Prepare tax forecast information for inclusion into the city budget,• Managing relationships with outside key tax payer and investor as needed to coordinate on important tax issues.• Identify tax issues and preparing memorandums, and reports,• Dealing with tax authorities on tax audits and appeals,• Assessment of the impact of new legislation,• Perform analytical review of tax accounts• Increased customer satisfaction by creating new process and empowering staff members to deliver exceptional service.• Developed the legal terms and conditions for new locals laws and regulations about municipal taxes.• Consulting for other areas about process which included tributaries aspects.• Supervise the process of collection• Assist with special projects: tax reporting, new tax reports design, process automation, etc.

Ecuador

Reporting to the Financial Director, working very closely with all the Managers and Supervisors under the Financial Division, assisting preparing, attending, and finalizing operations report reports in order to help identify areas for improvement. Producing regular analytical reports and other ad hoc requests as requested to be used by the Financial Director, Mayor, City Council Board, and other internal departments.Key activities:• Prepare detailed budgets and forecasts• Participate in sensitivity analysis to determine impact of changes to underlying assumptions on annual and strategic plan,• Maintain effective systems of internal control,• Monthly bank reconciliation, resolving anomalies and identify unresolved issues in all the accounts,• Ensure that all financial related policy and procedures established by law are strictly acknowledged by the Financial Direction, • Prepare reports regarding project status and keep leadership informed of project direction and renegotiate direction as necessary,• Deliver executive presentations regarding project direction and recommendations to Directors, Manager, and Supervisors.

Provide financial support to specific projects or areas as directed by Financial Director and assist with the development of internal controls and reporting:Key activities:• Collecting and analyzing financial information: Budgets, collections, economic forecasts, cash flow,• Contribute to the development and implementation of financial reports to improve efficiency and coordination among the areas that report to the financial direction,• Keep databases updated and ensure quality of information,• Bank reconciliation,• Processing expense reimbursements,• Prepare ad hoc reports and analysis requested by Departments

Diploma Of Education, Immigration And Citizenship Law

Postgraduate, International Business Management, International Business Management Program

Postgraduate, Consulting, Consulting Postgraduate Program

Master'S Degree, Finance, General, Master In Finances

Bachelor Of Business Engineering, Business/Commerce, General