Dick Towers Email and Phone Number

Over 23 years of experience as Controller/Accounting Manager/Finance Manager with extensive experience in all accounting/finance and human resources and administrative functions. Previous accounting/controller experience as well as previous employment as Business Banker with Citizens Bank and Licensed Insurance Agent with Met Life has broadened my experience to be knowledgeable in all financial, insurance, banking functions of efficiently running a business. Responsibilities include:o Profit and Loss (P&L), Balance Sheet(BS) and Cash Flow (CF)o Budgeting and Forecastingo Responsible for month-end and year-end closing ie journal entrieso Responsible for accounts payables and receivables and worked to establish strong relationships with venders and customers on payment terms to significantly reduce receivables agingo Reconciled general ledger accounts monthlyo External Audit Liaison (financial and Sales/use tax)o Safety manager- Industrial Code Rule 60o Treasury Managemento Human Resources and Benefits Administration including health insurance and 401(k), COBRA, implementation and administration with enrollment and periodic review meetings to look for opportunities to maintain or increase benefits while reducing costso Periodic review and competitive bidding of major insurance needs to provide insurance coverage at competitive pricingo installed fully integrated accounting package from Logico driven to strive to improve profitability by constantly looking ways to improve top line and reduce bottom line expenses while maintaing an efficient and productive accounting and administrative functions of a business.

Business Banker for the Albany, New York Area with a focused territory in the Troy New York area. Assisted local businesses with their cash management and commercial banking/lending needs. Worked with local branches and underwriters to provide a high level of service in all aspects of business banking needs of my clients in the Troy New York Area.

Licensed Insurance Agent and conducted insurance reviews and sold life,accident, and health insurance to business owners throughout the Albany/Saratoga area