Raman Mand
Burlington
Summary
A highly adaptable with great organizational skills and attention to detail finance professional with 8 years of experience in Financial Services Industry, currently working at FNZ Canada, a leading fintech specializing in wealth and portfolio management solutions.
Investment professional with strong track record in developing and implementing investment strategies. Adept at analyzing market trends and optimizing investment portfolios to maximize returns. Emphasizes team collaboration and adaptability to changing market conditions while exhibiting strong analytical and decision-making skills.
Overview
9
9
years of professional experience
Work History
Investment Specialist
Co-Operators
12.2025 - Current
- Promoting a full range of Life Insurance solutions to Advisors and Managing General Agent (MGA) partners.
- Providing proactive sales and business building ideas, understanding Advisor goals, and aligning their needs with our insurance solutions.
- Managing sales growth and fostering positive business relationships within the defined region.
- Monitoring and measuring competitive products, processes, technology, and marketing tools to fulfill the needs of Advisor clients and recommending changes to improve sales and service practices.
- Participating in seminars, trade shows and meetings to enhance awareness of CUMIS Life products, including staying current with industry trends, product changes and Credit Union markets.
- Enhanced customer experience through regular follow-ups, addressing concerns promptly and maintaining open lines of communication.
- Held meetings with customers to review and update accounts.
- Conducted comprehensive market research to identify new investment opportunities and stay current on industry trends.
- Collaborated with internal teams to develop innovative investment strategies, enhancing client portfolios and driving growth.
- Utilized advanced analytical tools to assess potential investments, increasing accuracy in decision-making processes.
Senior Financial Analyst (FP&A)
FNZ
01.2025 - Current
- Supporting the annual budgeting, business planning and monthly forecasting process for the NoAM finance business as per the group’s guidelines.
- Conduct in-depth client profitability data analysis, identifying key revenue operations drivers and cost-saving opportunities, leading to 5% improvement in margins and $100k in cost optimizations.
- Collaborating with the accounting team to optimize monthly close processes, reducing the closing turnaround time by 10% while ensuring accuracy and timely financial management reporting; leading to continuous process improvement.
- Design and present customized client integration strategies, to the stakeholders leveraging FNZ’s product offerings and profitability analysis through Excel-based financial models to optimize client value and long-term growth.
- Work cross-functionally to prepare reports and present Monthly Business Review (MBR) reports, highlighting financial results, key metrics, and strategic direction.
- A leading fintech specializing in wealth and portfolio management solutions.
Financial Advisor
CIBC
01.2022 - 03.2024
- Managed and expanded a portfolio exceeding $250M, enhancing client relationships and achieving significant growth through data-driven investment strategies and comprehensive retirement planning.
- Spearheaded the development of leadership presentations, translating complex financial data into compelling visual stories that supported strategic decision-making and enhanced client relationships.
- Orchestrated the creation of holistic retirement plans, incorporating time horizon estimation, expense forecasting, after-tax return calculations, risk tolerance assessment, and estate planning, reflecting an advisor’s ability to plan and execute complex, multifaceted strategies.
- Conducted in-depth analysis of clients’ investment portfolios and net worth using Morningstar, demonstrating expertise in leveraging data analytics tools for informed decision-making and reporting in project management contexts.
- Prepared financial statements and annual budget for CIBC and performed month on month variance analysis, identifying key business drivers and which helped in key decision-making process.
- Compiled and analyzed quarterly sales data using from multiple regions to track KPIs, highlighting key performance indicators such as revenue growth and customer acquisition costs.
- Supported strategic portfolio management other business initiatives by analyzing client profitability and advisor performance, contributing to the optimization of investment solutions and long-term client.
- Prepared an analytical dashboard that provided business insights to senior management that led to a cost reduction of CAD 3M annually.
- Played a key role in leading system enhancements using finance reporting in compliance with IFRS and US GAAP and data management operations with financial analysis tools, leading to an improved cost efficiency of 20%.
- Analyzing complex data, provided senior leadership team with actionable insights to identify underperforming regions, change pricing strategies and make strategic adjustments and increase business performance.
- Assisted in the preparation of yearly financial plans and annual budgets, managing multiple iterations to ensure alignment with organizational goals, accurate forecasting leading process improvement.
- Participated in several ad hoc analysis and ad hoc reporting as required.
Mobile Investment Consultant
CIBC
03.2019 - 12.2022
- Reviewed and approved monthly general ledger reconciliations and account analysis for more than 10,000 account lines.
- Led the forecasting and planning processes, encompassing the Income Statement, Balance Sheets, and Cash Flows, while consistently demonstrating agility, flexibility, and resilience.
- Responsible for leading financial reporting and analysis and preparation of working papers of investment management team to assist with the month end closing.
- Analyzed investment portfolios to identify trends and optimize asset allocation strategies.
- Collaborated with cross-functional teams to develop tailored financial solutions for diverse client needs.
- Presented investment strategies and performance updates to stakeholders, enhancing transparency and trust.
- Mentored junior team members on best practices in investment analysis and client relationship management.
- Implemented process improvements that streamlined reporting procedures and increased operational efficiency.
- Led initiatives to enhance client engagement through personalized communication strategies and follow-ups.
- Developed training materials for new hires, fostering a culture of knowledge sharing within the team.
- Managed a diverse portfolio of investments to maximize returns for clients while minimizing risk exposure.
- Assisted in the development of marketing materials showcasing the firm''s expertise in various sectors within the industry.
- Advised clients on tax-efficient investing strategies to optimize their overall wealth management plan.
- Recommended appropriate asset allocation based on individual client risk tolerance, financial goals, and market conditions.
- Conducted comprehensive market research to inform investment decisions and client recommendations.
Financial Services Manager
BMO
01.2017 - 10.2018
- Engaged cross-functional resources such as credit, legal, pricing, operations, end of lease to work as a team and effectively managed new and existing customer relationships.
- Utilized Salesforce to manage customer relationships, demonstrating strong CRM system skills.
- Collected and analyzed data to investigate incomplete requests, duplicated efforts, extravagance, fraud, or non-compliance with laws, regulations, and management policies.
- Engaged in collaborative problem-solving, contributing to team objectives and client satisfaction.
- Orchestrated financial solution strategies, addressing client goals and enhancing portfolio performance.
- Fostered relationships with internal teams, guiding solution design to enhance service delivery.
- Develop and maintain actuals vs. forecast models to support SLT discussions, delivering variance analysis and actionable recommendations to achieve financial goals.
- Utilize Gatekeeper software and other internal systems, to review and approve vendor contracts, Capex spend and associated costs, ensuring compliance with internal policies and budget controls.
- Leading and supporting a team of 3 financial analysts by providing strategic guidance, reviewing financial models and ensuring accuracy in reporting and forecasting deliverables.
Education
Masters in Business Administration (MBA) - Finance Focus
Edwards School of Business, University of Saskatchewan
Saskatoon01.2016
Bachelors of Technology (B. Tech) - financial accounting electives
Guru Nanak Dev University (GNDU)
Amritsar, India01.2010
Project Management Professional (PMP) -
Project Management Professional
06-2021
Timeline
Investment Specialist
Co-Operators
12.2025 - Current
Senior Financial Analyst (FP&A)
FNZ
01.2025 - Current
Financial Advisor
CIBC
01.2022 - 03.2024
Mobile Investment Consultant
CIBC
03.2019 - 12.2022
Financial Services Manager
BMO
01.2017 - 10.2018
Bachelors of Technology (B. Tech) - financial accounting electives
Guru Nanak Dev University (GNDU)
Masters in Business Administration (MBA) - Finance Focus
Edwards School of Business, University of Saskatchewan
Project Management Professional (PMP) -
Project Management Professional