Tej Sandhu, Msc, Ctp, Cfp Email & Phone Number

Santa Monica, California, US

Santa Monica, California, US

Miami, Florida, US

• Developed models to forecast global cash flows, and evaluate acquisition funding, in both notional and physical cash flow views – achieving 3% monthly variance.
• Navigated cash balance and intercompany positions to comply with debt covenants on a monthly and quarterly basis.
• Advised president, CFO, and executives on cash position and forecast during multiple touch-points throughout the week.
• Created classification tool to automate payment items classification – correcting over $10M annually in misclassified payments; later integrated into Kyriba treasury management system.
• Approval of over 2000 payments in ACH batches and wires each month amounting to $900 million annually.
• Leveraged Kyriba treasury management system to streamline cash reporting and cash dashboard.

• Restructured global banking relationships to maximize earnings credits, cash yields, and minimize bank fees and borrowing rates, netting a positive result of $150,000.
• Hedged against cash-flow risks by implementing $140M insurance program including cyber-security, directors & officers, commercial property, and umbrella liability.
• Developed multi-year treasury roadmap through collaborative planning to advance financial intelligence, continuity planning, and removal of information silos.
• Crafted investment policy statement to increase weighted yield on portfolio by $30,000/yr and simultaneously reduce market and counterparty risks.
• Developed financial models to forecast cash flows, stress test scenarios, and evaluate acquisition funding.
• Audited treasury control architecture leading to refinement of bank account reconciliations, segregation of duties, payment approvals, and dollar limits.

Edmonton, Alberta, CA

• Built financial models to price entire $10 billion commercial bank account portfolio and over $2 billion of investment certificates issued annually.
• Lead revenue leakage analysis project, uncovering over $2 million in commercial services leakage with total remediation of 90%.
• Key contributor to balance sheet optimization initiative which converted $1 billion of high-reserve capital to low-reserve capital.
• Elevated average deposit balances by $900 million through business development of ultra-large depositors on a liquidity-needs basis.
• Provided analytics, oversight support, and recommendations on commercial deposit holdings of $10 billion.
• Oversaw treasury operations team to ensure 100+ daily fund flows were reconciled to appropriate internal/external bank accounts and general ledger suspense accounts.

Toronto, Ontario, CA

• Doubled portfolio size from $41M to $82M net of market growth through external business development, leveraging centers of influence, and internal partners.
• Increased average client profit 90% and grew average products and services per client from 4 to 9.
• Exceeded portfolio acquisition target by 184% during 2008 financial crisis.
• Investment portfolio ranked in top percentile in country for long-term retention of assets.
• Completed over $50 million in credit structuring deals for personal and commercial borrowings.
• Crafted comprehensive financial plans projecting cash flows, taxation, investments, credit, risk management needs, and other factors over a lifetime view.

Toronto, Ontario, CA

• Analyzed business growth opportunities through comprehensive industry, client, and prospect research
• Underwrote and approved over $10 million in credit applications for commercial mortgages, lines of credit, loans, and overdrafts
• Reviewed business plans and analyzed financial statements for small/mid-market corporations,
• Liaised with external partners such as ADP, Global Payments, and D&H to provide solutions for client payroll and payment systems
• Advised clientele on business/corporate structuring, risk management practices, and legal risks.
• Opened bank accounts for complex legal structures while adhering to internal controls and KYC rules

Toronto, Ontario, CA

Master'S Degree, Corporate Finance

Bachelor Of Business Administration - Bba, Business Administration And Management, General

Associate'S Degree, Finance