Joe Bear Email & Phone Number

Focusing my time on giving back to local communities by offering a series of seasonal bird walks as well as leading a town-approved project to restore native meadow habitat in a popular town park.

Stamford, Ct

• Designed and delivered regulatory-compliant liquidity reporting platform for US Primary Dealer and US Branch, capturing combined $150B gross balance sheet.• Developed liquidity data repository with interactive analytical tools, resulting in enhanced data validation, queries, and controls for managing risk.• Collaborated with London Cash Management counterparts in managing a multibillion-USD cash component of liquidity portfolio adhering to US correspondent bank credit limits, thereby maintaining credit risk appetite.• Improved daily cash and liquidity management significantly by cultivating long-standing and trusting relationships with Collateral Trading and Short-Term Markets desks and Operations.• Managed proactively to a number of daily RBS Group, regulatory, and self-imposed liquidity metrics, such as counterparty and maturity concentration, funding mismatch, unsecured usage, and liquidity buffer (HQLA) minimums, demonstrating risk appetite and associated controls.• Provided baseline contractual liquidity footprint and created system-based stress testing model, satisfying UK PRA regulatory requirement.• Served as liquidity reporting SME and lead on multiple, key cross-functional projects, including Dodd-Frank Enhanced Prudential Standards (EPS), Basel 3 liquidity standards, and internal systems transformations, leveraging knowledge and broad perspective for successful change.

• Codified disparate funding spreadsheets into cogent set of reports for Treasurer’s consumption allowing greater transparency and insight into funding and liquidity footprint and use of working capital.• Led multi-team daily funding and liquidity meeting, enhancing communications while determining and executing right amount and mix of daily funding requirements.• Monitored ever-changing regulatory landscape, including assessing, developing, and implementing changes to liquidity reporting requirements, ensuring regulatory compliance.• Directed and prioritized wider Treasury department IT project development work, ensuring right resources were allocated to the right projects.

London, England

• Integrated and assimilated Management Reporting processes of several European and APAC countries, streamlining information flow and achieving consistency with US reporting model.• Developed global operating budgets and monthly financial performance packs by business, supporting London and Greenwich, CT-based executives.• Created expense analysis and containment reports by business and region and challenged department heads on unexplained variances, ensuring accountability and control framework.

Greenwich, Ct

• Prepared and presented monthly financial reporting packs to co-CEOs in preparation for monthly Board meetings.• Produced annual Business Plan and Operating Budget (over $200M), including staffing requirements and resource usage, collaborating with heads of business and support areas.• Created partnership in expense awareness and containment by developing and delivering presentations to operating units on Firm expenses, cost allocation methodologies, and cost-cutting recommendations.• Generated variance, trend, and break-even analyses for Senior Management and Business Unit / Support Managers, providing valuable insight into business profitability.• Worked with General Accounting on selection and implementation of new General Ledger system with Management Reporting functionality, creating a “golden source” of data and reducing reconciliations.

New York City

Stamford, Ct