Ricardo Rivera Email and Phone Number

− Reviewed national and international bank account statements.− Recorded income and expenses, including exchange rates.− Managed and processed payments.

− Processed bank movements and payments to national and international suppliers with various currencies.− Registered bank movements in the internal system, including currency cross-registration.− Reconciled movements and bank balances, ensuring daily operation availability.− Managed account openings with different banks.− Recorded purchase orders.

− Registered deposits and movements of bank accounts.− Created and applied accounts receivable in the system.− Managed credits and payments to agents.− Confirmed payments to customers.− Reconciled bank accounts.− Reviewed adjustments to the system.

− Supervised the Settlement and Cash area nationwide.− Developed and implemented procedures and reports.− Reviewed accounting entries in the system.− Controlled accounts receivable in vouchers to vendors.− Managed accounts receivable from internal and external customers.− Ensured custody and management of values in the vault.− Coordinated armored transport for value movement nationwide.− Monitored and reported agency deposits to the bank.− Prepared cash flow reports at the national level.

− Opened the bank in Panama.− Developed procedures and processes.− Made adjustments in the system to meet operational needs.− Supervised the operational area, including current accounts, foreign transfers, loans, term deposits, and more.− Managed the custody of securities in the vault.− Oversaw cash movement for bank operations.

− Developed banking core systems.− Balanced operational accounts.− Managed internal processes related to the ATM.

− Supervised and managed ACH services and current accounts.− Coordinated cash operations with banking entities.− Led the implementation of procedures and innovation projects, including checkbook control, ACH payments, and online banking.− Managed loan and leasing operations, cash management, account openings, corporate online banking, clearing, ATM, and bank accounting entries.− Handled connectivity with partner banks abroad.− Managed special assignments and reports for Operations Management.

− Registered accounting entries.− Managed requests and cash passes from ATMs.− Reconciled cashier transactions.

− Opened customer accounts.− Managed loan and card procedures.