Manage a team of five, overseeing daily liquidity risk metrics, Early Warning Indicators (EWIs), and DoD variance analysis.
Review and challenge stress testing assumptions, and conducted scenario and sensitivity analyses.
Refine limits and EWIs through comprehensive analysis to ensure institution-specific vulnerabilities are captured appropriately.
Expand investment portfolio monetization capabilities by establishing trio-party repo counterparties and FICC membership.
Develop a comprehensive Recovery and Resolution capability-testing framework, and oversee related operational risks and infrastructure.
Chair the liquidity reporting working group to improve internal and regulatory reporting accuracy and timeliness.
Director - Head of Balance Sheet Risk Management
MUFG UNION BANK
Los Angeles, CA
12.2022 - 05.2023
Oversaw funding and asset risk strategies for Union Bank, guaranteeing sufficient liquidity amid M&A transactions.
Prepared and tested carve-out data, policies and procedures, and BAU processes for divesture readiness.
Reviewed sensitivity analysis, NII/EVE, and associated metrics to evaluate the strategy and performance of a $130B balance sheet.
Challenged the allocation process on security portfolio strategy, and monitored the valuation and concentration of AFS/HTM asset classes.
Director - Head of Liquidity Risk Independent Assessment
MUFG BANK AMERICAS
Los Angeles, CA
10.2016 - 12.2022
Designed and implemented a liquidity risk independent review function under the CRO of the Americas.
Presented gaps and recommend actions to the Americas Risk Committee and Board of Directors.
Collaborated with Accounting, Legal, and Business Lines on the new product launch, identified systems and data requirements, and provided analysis and approval as a member of the product management committee.
Advised on strategic roadmap development for liquidity data transformation, with a focus on complex regulatory reports.
Interpreted banking regulations and formulated responses to exams from regulators, including the FRB, FDIC, and OCC.
Senior Consultant - Treasury and Liquidity Risk
ERNST & YOUNG LLP
New York, NY
01.2015 - 10.2016
Simplified cash management for a global industrial and financial services conglomerate.
Developed a regulatory reporting capability for a leading credit card company in 2052.
Enhanced data reconciliation strategy for a leading European bank (£1.1 trillion consolidated assets).
Assisted in a Global Systemically Important Bank (G-SIB)'s Recovery and Resolution Planning
Treasury Analyst - Treasury Operations & FX Risk Management
COLGATE-PALMOLIVE COMPANY
New York, NY
10.2011 - 01.2015
Managed daily cash and liquidity, including positioning, forecasting, and investments for North America entities.
Led a $2B global cash repatriation program at quarter-end to optimize liquidity and balance sheet.
Managed FX hedging programs for royalties and dividends denominated in over 20 currencies.
Enhanced netting, cash pooling, and in-house banking capabilities in the EMEA treasury shared service center.
Supported settlement of all investments, FX, share buybacks, and debt transactions.
Managed the implementation and configuration of functional capabilities in SAP Treasury.
Tax and Transfer Pricing Analyst
JFU CONSULTANTS LTD
Hong Kong, China
06.2007 - 02.2009
Designed transfer pricing models and conducted benchmarking for multinational clients.
Negotiated with tax authorities in Mainland China and Hong Kong on issues that are open for interpretations.
Education
Master of Science - Accountancy
CITY UNIVERSITY OF NEW YORK, BARUCH COLLEGE
New York, NY
05.2012
Bachelor of Management - Information Systems
BEIJING FOREIGN STUDIES UNIVERSITY
Beijing, China
05.2007
Skills
New York State CPA
Chartered Financial Analyst (CFA)
Microsoft Excel
Database management (Access)
Presentation skills (PowerPoint)
Process mapping (Visio)
SQL proficiency
Treasury and Banking subject matter expert
Timeline
SVP - Head of Treasury Liquidity Risk Oversight
U.S. BANK
05.2023 - Current
Director - Head of Balance Sheet Risk Management
MUFG UNION BANK
12.2022 - 05.2023
Director - Head of Liquidity Risk Independent Assessment
MUFG BANK AMERICAS
10.2016 - 12.2022
Senior Consultant - Treasury and Liquidity Risk
ERNST & YOUNG LLP
01.2015 - 10.2016
Treasury Analyst - Treasury Operations & FX Risk Management
<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.