Ricardo Lowe, Cpa Email & Phone Number

Fraxioned provides a dream come true to investors and vacation dreamers by allowing them to own a share of a million dollar property. Members enjoy all of the benefits of owing a piece of real estate in a selective location. As a CFO of this young company I bring structure and discipline to help grow the company.

Miami, Florida, Us

As CFO for Skypostal, I work with the executive team and Board to understand their vision and desired outcomes for the company. I take this vision and together with my team, execute on it across the various finance and business functions of the company. Fostering a culture of accountability and ongoing improvements through the basic principles of people, process and technology, I have elevated the skills and role of the finance function. My role has been high-touch, high-impact and requiring not only strong critical thinking but a strategic vision for the growth of the company. In this process, I empower my team to execute, remove roadblocks, be accountable, learn from mistakes and always look to improve themselves and their work. I have revamped the finance organization to one that is trusted by the organization by partnering with other departments to promote sales and profitability, and by restructuring all key processes. As a result, financial reporting is now available on day 5 of the month, a 15 day improvement. DSO decreased by 5 days and there are significant cost avoidance on the company's AP processes by leveraging on existing technologies.

Miami, Us

My consulting practice is based on establishing myself as a CFO for multiple clients at a time. Every client is not only in a different industry but is also in a different growth situation. Some customers may be starting up and some customers may be in a restructuring situation. The typical areas of emphasis include: Strategy development and implementation, FP&A, Financial Reporting, KPI Management, Working Capital Management, Due Diligence and Capital Raising. In some situations, I manage the client’s accounting department and in other cases I represent the company as their only finance expert. Due to the nature of the engagements I also typically get involved with HR, IT and many other operational areas of the business, including Sales and Marketing. Selected Results:> Financial Planning and Analysis: Established the FP&A function and processes. Implemented budgets, KPI’s and forecasts, to help steer the Company toward its financial objectives.> Financial Discipline: Drive the need and understanding for managing the business based on ROI priorities, while maintaining accountability and timeliness of performance goals.>Financial Reporting: Establish processes and technology to ensure timely and accurate financial reporting. Hired and trained numerous controllers and accountants on their roles and responsibilities. > M&A: Manage financial due diligence efforts to acquire other companies.> Expertise in several industries such as: Retail/Wholesale, Medical Services, Cyber Security, E-Commerce, Digital Advertising, Printing, Fuel Management and Delivery.>Co-founded a design studio that creates one-of-a-kind paper creations and marketing materials. Achieved a successful exit.FOCUS: Financial Planning and Analysis, Strategic Thinking, Financial Reporting, Controllership, M&A, Business Restructuring, Financial Acumen, CPA, International Experience, US GAAP, Entrepreneurial Experience, Trusted Advisor, Non-Profit Board Member, CFO

Miami, Fl, Us

Developed a treasury function for a large multinational company. Responsible for cash management, risk Management, capital structure and day-to-day cash flows. Oversee treasury operations across all four continents. Develop relationships with all major global banking institutions and leverage their capabilities to achieve internal compliance and efficiencies. Ensure ample liquidity is available to fund enterprise initiatives in various business units. Raised a $475 million syndicated loan facility with multinational financial institutions. In addition, helped raise over $100 million in equity through a secondary public offering.Implemented a global cash management system to manage funds around 30 countries and ensure availability of funds to manage daily working capital requirements. Reduced expenses by 100k over two years.Implemented a new risk management program designed to manage interest and foreign exchange risks. Manage a portfolio of interest rates and fx derivatives to ensure risks are properly mitigated and managed. Reduced interest expense in the six figures.Managed SEC reporting requirements as it relates to liquidity and capital usage. Ensure compliance with covenants, internal controls and US GAAP as it relates to Treasury. Designed and implemented corporate policies to ensure compliance with Sarbanes Oxley standards.FOCUS: Global Cash Management, Liquidity Management, Risk Management, Foreign Exchange Management, GAAP Financial Reporting, Sarbanes Oxley Standards.

Irvine, Ca, Us

Managed treasury and credit operations for Latin America. Including foreign exchange risk management, cash management and financial planning. In addition, managed credit and collection for the latin america region. Train and supervise a staff of 50, including country treasurers.Developed relationships with regional banks to negotiate credit facilities of up to $40 million. Redesigned and implemented a new FX strategy which reduced FX losses more than 50%. Restructured a foreign subsidiary during political and economic turmoil in Argentina to create a new business model with 75% lower risks and exposures.Streamlined and automated cash management operations by reducing number of bank accounts and promoting electronic payments. Restructured Mexican credit operations resulting in reduction of bad debt from $5 million to $2.5 million. Received Global Award of Excellence for this effort. Designed a new credit business process for the Miami Export operation, reducing bad debt 50%.Consolidated financial information and prepared financial statements for operations in 6 countries with different systems. Prepared tax filings for foreign subsidiaries. Prepared management discussion & analysis (MD&A) for SEC reporting purposes.Developed detailed business plans and budgets for 6 countries resulting in a 30% sales increase.FOCUS: Latin America Cash and Liquidity Management, Credit and Collections, Restructuring, Foreign Exchange Crisis Management.

Los Angeles, Ca, Us

Planned and managed projects and initiatives designed to improve operations, reduce costs, and generate new revenue. Created financial models to analyze more than $170 million in process costs and evaluate new business opportunities. Developed business plans and roll out strategies for new products and services. Redesigned the revenue/collections process resulting in a $20 million savings. Managed a team of 50+ across numerous departments to complete the project. Directed benchmarking activities and established best practices to achieve efficiencies totaling more than $5 million.Created financial plan for successful new product roll out that generated $1+ million in sales.FOCUS: Process Improvement, Benchmarking, Business Planning, New Business Development,

Prepared and evaluated corporate financial statements. Evaluated internal controls and developed recommendations in the financial (e.g. Treasury, Accounting, Finance) and operational areas (e.g. gas distribution, materials management). Developed expertise in utility and oil/gas operations.SPECIALTIES: Internal Audit Compliance, Policies and Procedures, Team work, Operational Efficiencies.

Mba, Finance/Accounting

Bs, Industrial Engineering