Performing financial, investment and loan-related accounting, analytical and consulting services on a temp/contract basis, through firms such as Accountemps, Ajilon Finance, National Affinity Group, & kforce.com:

• Sarbanes-Oxley Section 404 Project Team member, comprised of Internal Audit staff, assessing effectiveness of internal controls for 2004, by designing and performing key control test procedures after documenting process steps,   risks,   control points,   attributes,   and gaps,   through   inquiries   and   walk-throughs.   Documented all phases in a risk matrix, flowchart, and test plan / results template.
• Designed Income Statement Excel spreadsheets with budget and prior year comparisons, along with customizable formulas for full-year forecast by account. Automatically populated spreadsheet and database   with   actual   monthly   transaction   history   data from SAP FI (G/L) system.     Incorporated date-driven report adjustments (accruals) and commitments, grouped and totaled by time period selected by user, complete with provision for user-definable transaction codes and filtering capability using multiple criteria.
• Identified web-based sources of Commodity Trade Data (import/export) statistical databases by country. Developed an Excel spreadsheet report template to assimilate data, employing advanced Excel formulas and functionality to automatically lookup, import and present this trade data by user-specified commodity number and reporting periods, then rank the countries and filter the data using multiple criteria.
• Tax accounting, including effective tax rate variance analysis, account reconciliation and adjustments.
• Bank quarterly regulatory financial (call) report preparation for a large, multi-bank holding company.
• Internal financial statement preparation for a large, multi-site long term care (nursing home) facility.
• Software development testing for a business tax software development company.
• Restatement of prior year's financials for a publicly-held bank's acquisitions accounted for as poolings.
• A substantial tax refund claim generated from a redetermination of capital / expense classification of fixed asset acquisitions originally capitalized by profit-incentivized retail dept. store management.

Vice President - Finance
Managed the financial, accounting, and information systems functions, with a staff of 5.  Prepared financial and regulatory reports and performed asset-liability management analyses on a monthly to quarterly basis.

• Analyzed investment policy, portfolio, and accounting/recordkeeping system, offering recommendations for diversification, return enhancement, as well as refinement of investment accounting procedures.
• Attracted an accomplished, talented, and bank-experienced college-valedictorian staff accountant to replace a marginal bookkeeper, at no additional cost.
• Produced annual Budget, Forecast, & Projections using a detailed cash flow projection approach, including a margin projection and forecast using 3 different rate indices and volume scenarios.     Modified the budget model to correct gaps and inconsistencies, focusing on average balances rather than period-end numbers for forecasting as well as historical reporting purposes.
• Redesigned statement of cash flows to reflect and highlight more useful information.

Investment Banking Audit Consultant
Planned and conducted audits and related consulting and valuation services for investment banking businesses of $10 billion regional commercial bank and S&L holding company.  Focused on investment objectives and strategies; the nature, measurement and control of risks; and identification of regulatory, compliance, and accounting/reporting issues.

• Advised and recommended measures to Asset/Liability and Portfolio/Trading groups to enhance documentation of activity and holdings in $3+ billion portfolio.
• Developed a complete set of audit programs for asset / liability management and bank's securities broker-dealer, enabling the bank regulators to limit their examination procedures.
• Conducted systems review of new   Money Management securities information system.     Identified control weaknesses at vendor and user level.

The Central Bancorporation, Inc.
Planning Analyst and Bank Officer
A financial, asset/liability, and M & A analyst for this $6 billion regional multi-bank holding company.

• Developed an in-substance bond defeasance plan that satisfied GAAP requirements.
• Refined CBC's   M & A   analysis model to handle branch acquisitions   and   incorporate deposit premium calculations, intangibles, and multiple payment options (cash, stock, etc.).

Central Trade$aver, Inc.
CFO, Financial & Operations Principal, General Securities Principal, and Compliance Principal
Directed or performed all accounting, reporting, regulatory and compliance activities for CT$I.  CT$I was the securities discount brokerage subsidiary of CBC's lead bank.

• Developed a daily failed trades valuation system.
• Developed system for measuring CT$I's foregone revenues from commission discounts, etc.
• Assisted bank's securities dealer in trading desk and retail sales responsibilities.
• Wrote a regulatory compliance manual for CT$I that surpassed NASD and MSRB requirements.

Molitor Loan & Building Company, Cincinnati, Ohio
(Molitor acquired by Central Bancorp. in 1985)
Treasurer & Controller
Analysis, restructuring, and on-going management of investment, loan, and deposit liability portfolios, in addition to full responsibility for financial, accounting, and reporting functions for this $100 million S&L.  Supervised accounting staff of 4.

• Identified and analyzed bond swap opportunities.
• Successfully negotiated $12 million secured line of credit for Molitor with its correspondent bank
  during the 1985 S&L crisis.
• Aggressively managed cash position for annual savings of $20,000.

Vice President, Treasurer & Controller
Managed and developed systems for the financial, accounting, and reporting functions for this $100 million S&L.  Supervised accounting staff of 7.

• Set up a money desk to operate a matched book public funds deposit program.  Grew portfolio to
  $12 million (approximately 12% of total deposits) and added $65,000 per year to income.
• Aggressively managed cash position for annual savings of $10,000.

DELOITTE, HASKINS & SELLS, Dayton, Ohio	Senior Tax Accountant
ARTHUR ANDERSEN & CO., Dayton, Ohio	Auditor
ERNST & WHINNEY, Dayton, Ohio	Tax Staff

While attending college and immediately after graduation, successfully met the tax compliance, planning, accounting review, and attestation needs of a diverse clientele.

EDUCATION

	B.S.B.A., Accounting	University of Dayton, Dayton, OH	GPA: 3.78 / 4.0 (Acctg.: 4.0)
	Associate in Applied Science	Sinclair Community College, Dayton, OH	GPA: 4.0 / 4.0

PROFESSIONAL CERTIFICATIONS, AWARDS AND MEMBERSHIPS

	CPA (Illinois & Ohio) - Scored first in Ohio; Elijah Watt Sells Honorable Mention
	CFA (Chartered Financial Analyst) charterholder, as administered by the CFA Institute
	Securities Licenses previously held: NASD Series 6, 7, 24, and 27
	Temporary of the Year   --   Accountemps, Cincinnati Downtown Office, 1999

	Memberships:	Ohio Society of CPAs
		American Institute of Certified Public Accountants (AICPA)
		CFA Society of Cincinnati
		CFA Institute

COMPUTER and FINANCIAL INFORMATION SYSTEMS SKILLS

	MS WINDOWS
	MS OFFICE:     Excel (Macros, some VBA), Word, Powerpoint, and Access		LOTUS 1-2-3
	FINANCIAL INFORMATION SYSTEMS, including Bloomberg
	INTERNET User: Basic HTML coding skills

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