Ruby Coaty, Mba Email & Phone Number

Plano, Texas, United States

• Direct manager to three group members.• Currently working with a team of 10 upgrading the RAPID T3 system improving the automation of Toyota financial products on payment and reporting process.• Continue to contribute to Kaizen, the development of best practices for treasury operations and all related treasury functional areas.• Provide architecture to the innovation of 1) Portfolio Swap Automation through Markitwire, RAPID T3 and WSS workflow; 2) FAS133 Valuation automation; 3) Wall Street Suite Server Upgrade with treasury working group.• Front the responsibility to cross-train team to enhance knowledge sharing, ensure coverage, participate in treasury projects and initiatives, promote open communication, embrace challenges, encourage new ideas to successfully execute daily operations and reach department goals. • Manage the treasury operation team in processing daily trades and settlements, such as debt and derivative, collateral swap clearing, investment, cash management and banking. Accrual reporting utilizing RAPID T3 and WSS, hence, ensuring cash flow and reporting records are on-time, accurate and absolute. In the event of crises, making educated decisions to resolve discrepancies with internal and external counterparties.• Handle 5 types of Asset Backed Securities (Retail and Lease sales) new deals and make certain proper documents are in place, process the trade in WSS and conduct ABS monthly servicing and reporting.• Work with Front Office, ABS Operations, Accounting, Cash Management, Legal, Audit, Treasury Solutions and Project groups to obtain maximum results that support the demands of TMCC, its affiliates, and clients worldwide.• Perform Year-End Audit confirmation and provide information to auditors related to Toyota’s investment, debt, derivative portfolios and credit facilities. *** see resume for additional assets and qualifications***

Duarte, California, United States

• Executed daily Cash Management activities using PeopleSoft for wire, ACH and accounts reconciliation.• Prepared monthly cash position forecast (6-month & 5-year outlook), including treasury operating cash flow dashboard to ensure liquidity, target limits and DCOH were met.• Performed monthly analyses to capitalize on ECR and minimize unutilized service fees.• Opened and closed accounts with various banks and institutions.• Monitored various accounts – merchant volume and activities; stock donations utilizing TD Ameritrade; grants and other cash contributions – prepared analyses and reporting.• Collected royalty payments, inventors’ distributions, and U.S. Withholding Tax payments.• Ensured onboarding procedures were in place, portal access and banking entitlements maintained.• Conducted annual debt covenants review to ensure compliance according to Master Trust Indenture.• Ensured bond and swap payments were made on time and in accordance with terms and conditions.• Directed the calculation and use of tax-exempt bond financed project, audit the allocations of public business use for the preparation of Schedule K, and submission of Form 990 to the IRS.• Managed daily investment activities such as capital calls, distributions and management fees using State Street eCFM for over 25 fund managers.• Handled due diligence and KYC and year-end audit confirmations.• Coordinated with legal, accounting, IT and other business teams on projects and report developments.• Ensured disaster recovery procedures were updated and tested regularly.

Torrance, California, United States

West Covina, Ca

• Established a quick service restaurant company, consisted of real estate and demographic location research, construction, governmental relationship, business licensing and insurance management.• Capitalized business loan to fund construction, equipment and daily operation expenses.• Developed marketing models to local demographics.• Orchestrated accounting functions, planned, budgeted, P&L, balance sheet and cash flow, including payroll, accounts payable, receivable and banking requirements using QuickBooks.• Audited year-end financials and reported tax obligations to the IRS.• Maintained merchant accounts for Amex, Visa, MasterCard & Discover cards.• Managed and trained 2 managers and 30 staff on RTI Connect POS system to provide maximum customer service, cash handling, store management and inventory control.• Conducted semiannual personnel performance reviews; provided feedback, rewarded and/or recommended.

Los Angeles, Ca

• Worked with treasury team in establishing the $2.5B medium term note shelf and SEC filing.• Reviewed bond issuance terms and conditions, including coupon payments and maturities/early redemptions. Vetted payment calculations and payments.• Negotiated terms, conditions and fees for master credit lines with twenty six counterparties supporting commercial paper, issuance of foreign and domestic letters of credit, and corporate guaranties.• Liaised with legal department, reviewed contracts / loan documents, prepared amendments, credit agreement rollovers, letters of credit and guaranties.• Analyzed cost and bank capabilities and coordinated with division personnel to advise the best suitable tenor and rate selection on fixed and floating rate short term debts, resulting in 6 digit fee savings for the company.• Approved replacement of abandoned bonds and like exchange property transactions.• Developed an Asset Securitization Program to sell chemical, oil and gas receivables.• Placed daily short term investments including commercial papers, time deposits, money market funds, and inter-company transfers.• Prepared short and long term cash forecast for investment, debt & derivatives obligations.• Worked with tax department on foreign banks withholding.• Provided debt and investment information for 10Q and 10K, KYC and audits.• Authored processes and controls tested and developed procedures for Sarbanes-Oxley compliant debt reports using SunGard / XRT and Crystal Reports.

Master'S Degree, Business Administration, Management And Operations

Bachelor'S Degree, Business And Management