Joe Palermo, Cpa, Cfp® Email & Phone Number

Personal Financial Planning & Advisory | Consulting | Wealth Management

Detroit, MI, US

Responsible for finance functions for Unsecured Lending Division at Ally providing point of sale financing options to healthcare and home improvement markets.Led monthly, quarterly and annual financial close processesInternal and External Financial reporting Coordinate Treasury, Credit Quality and Capital reporting requirementsProfitability/Portfolio.

Detroit, MI, US

Manage Finance, Accounting & Tax functions for Payments Industry Fintech Startup acquired by Ally.Transition all finance and accounting functions from private company to public company requirements Manage treasury functions (DDA, daily loan funding and wire transfer approvals) and bank relationshipsOversee partner commissions process from loan origination.

Led Finance & Accounting Operations for rapidly growing PE backed Fintech providing Healthcare and Home Improvement financing. Oversight of treasury including cash flow, bank relationships and debt covenants, receivables and payables. General accounting, financial reporting and tax responsibilities.Supported various funding rounds for both debt & equity.

Dallas, TX, US

• Everett provides strategic advice & execution resources to regional and community banks and investors. Advised executive management of rapidly expanding regional bank on various strategic and operational improvement.
• Developed executive presentation deck highlighting long-term growth goals and assumptions for board of directors, investors, executive management and regulators
• Created and implement regulatory remediation plan regarding annual assessment review
• Developed Corporate Business Scorecard and Enterprise Risk Management dashboard
• Integrated strategic targets with annual budget at corporate and line of business level
• Advised on development of new reporting and forecasting/budgeting tool

Paris, Île-de-France, FR

Sia Partners is a global independent management & operational strategy consulting company. Expertise in CFO Services, Financial Planning and Analysis, Business Transformation, Regulatory Compliance, Operational Efficiency, Risk and Control and Project Management.

Charlotte, North Carolina, US

• Planned and Executed financial operations build-out for start-up division of institutional asset management firm providing capital and financing solutions to private equity sponsored middle-market companies. Staffing.
• Developed business review routines for CEO and Portfolio Management Executive identifying key business drivers developing key metrics and analytics. Finance oversight to Investment Committee portfolio reviews.
• Implemented accounting policies and procedures and internal control infrastructure while improving monthly financial statement close timeliness and accuracy with improved metrics and commentary.
• Enhanced treasury function monitoring of liquidity and capital, cash flow interfacing with deal teams on funding, capital & debt levels partnering with 3rd party administrators

Charlotte, NC, US

• Line of Business Finance Executive for Global Corporate Banking business. Led team providing financial oversight and strategic support to Treasury Services, Business Lending and Corporate Banker teams. Supported range.
• Significantly improved all financial processes: monthly/quarterly close and reporting, budgeting and forecasting and profitability analysis instilling enhanced financial discipline improving profitability.
• Built FP&A, metrics, kpi’s and cost accounting function measuring results across product, geography, industry, and customer including investment banking and capital markets products.
• Enhanced & presented financials for Operating Reviews, Investor Relations, Board Presentations, SEC Reporting. Streamlined business case development and governance of technology initiative spend
• Developed Basel CCAR Stress Test process gathering, analyzing and documenting data, presenting results to senior management and developing RWA and capital improvement strategies.

Charlotte, NC, US

Finance executive for Products serving middle market commercial and large corporate clients, commercial real estate, municipalities, and financial institutions. Standardized business performance analysis/metrics for Treasury (Deposits, Treasury Mgmt., Transaction Processing) & Lending

Charlotte, NC, US

Led centralized finance and accounting functions reporting to CFO including FP&A and Accounting Operations of Card business including acquired MBNA and FleetBoston portfolios. Merged finance functions while restructuring and transforming operating routines.

Charlotte, NC, US

Bs, Accounting

Certified Financial Planner, Retirement & Estate Planning, Wealth Management, Taxes, Investments, Insurance, Education