Finance Director

• Jun 2020 - Present

Responsible for correcting the financial statements and organizing the accounting department. • Successfully re-organized and streamlined the financial reporting processes. • Direct ad Indirect cost savings to the agency from 2020 to 2023 are $600,000 • Trained, developed and mentored an accounting staff of three. Responsible for correcting the financial statements and organizing the accounting department. • Successfully re-organized and streamlined the financial reporting processes. • Direct ad Indirect cost savings to the agency from 2020 to 2023 are $600,000 • Trained, developed and mentored an accounting staff of three.

Certified Public Accountant

• Dec 2017 - Present

Certified Public Accounting Firm. Business Process Optimization / Strategic Planning / Team Building / Risk Management / Information Technology Audits / IT System Validation / Liquidity and Rate Management / Data Analytics / Financial and Compliance Audits / Forensic Accounting / Tax preparation / Financial statement preparation. Certified Public Accounting Firm. Business Process Optimization / Strategic Planning / Team Building / Risk Management / Information Technology Audits / IT System Validation / Liquidity and Rate Management / Data Analytics / Financial and Compliance Audits / Forensic Accounting / Tax preparation / Financial statement preparation.

Founder

• Nov 2022 - Present

Bookkeeping Services Bookkeeping Services

Jose A Garcia Jr CPA PLLC - Chief Financial Officer

• Aug 2018 - Mar 2020

Strong background in IT - Optimized workflows and process , integrated third-party applications Strong background in Banking - Effectively Communicate with Commercial bankers Strong background in Accounting – Managed and optimized the accounting workflow Proven Leadership, Mentored staff Strong background in IT - Optimized workflows and process , integrated third-party applications Strong background in Banking - Effectively Communicate with Commercial bankers Strong background in Accounting – Managed and optimized the accounting workflow Proven Leadership, Mentored staff

Chief Financial Officer

• Dec 2014 - Dec 2017

Responsible for improving the financial condition of this troubled $360 million-dollar Credit Union. • Successfully re-organized the indirect lending department and streamlined the financial reporting processes. • Reduced operating expenses by $3.6 million dollars in 2017 over 2016; • Re-organized the indirect lending department with experienced staff, result was the funding of $48 million in indirect auto loans of tier A and B quality; • Trained, developed and mentored an accounting staff of four; • Facilitated the development of the Risk Management / Audit Department; • Reorganized backroom operations to include a structured bookkeeping department. Show less

Senior Vice-president - South Texas Region Controller (SVP)

• Nov 2013 - Mar 2014

Dallas-based PlainsCapital Bank has the strength and stability of $6.6 billion in assets1, operates 34 Texas branches and has more than 670 employees providing highly personalized relationship banking through a single point of contact. Offering commercial lending, treasury management, small business banking, private banking, and trust and wealth management services Plains Capital Bank acquired First National Bank, 9/2013. Hired originally by First National Bank as it's Chief Audit Officer (11/05 to 5/13), became Interim Chief Financial Officer (5/13 to 9/13) and then promoted to SVP, Senior Vice-president / South Texas Region Controller. The first two positions will be detailed further in their own sections below. SVP / South Texas Region Controller (09/13 to 3/14) • Responsible for overseeing First National Bank’s accounting ledger during the conversion period. Managed the reconciliation and the accounts payable departments. • Successfully updated, the Automatic Teller Machine reconciliation with over $6M in reconciling items and over three months since the last reconciliation. Show less

Chief Financial Officer (CFO)

• May 2013 - Sep 2013

First National Bank was a statewide $3B bank with over 60 branches. Plains Capital Bank acquired First National Bank, 9/2013. As Interim Chief Financial Officer: • Responsible for preparing and reporting this $3B troubled bank’s financial condition to regulatory agencies and to the board of directors. • Revised the financial budget forecasts to reflect department heads expectations. Bank’s Net Interest Margin budget was $76M. Non-Interest Income (loss) budget was $-73M, and the Non-Interest Expense budget was $135M. Show less

Chief Audit Officer (CAO)

• Nov 2005 - Aug 2013

As Chief Audit Officer: • Developed comprehensive and detailed risk based audit programs; • Coordinated with Department Heads and the Audit Committee to inform them of audit issues; • Trained, developed and mentored an audit staff of eight, resulting in audit certifications in compliance and trust; personally obtained the information system auditor certification. • Transitioned audit work papers from paper to a paperless system, resulting in increased productivity. • Internally validated the Bank Secrecy software, resulting in annual savings of $50,000.00. • Facilitated the Bank Secrecy Act audit, resulting in increased audit penetration and savings of $60,000. • Developed and expanded the Information Technology audit department and Compliance audit department, resulting in decreased external auditor fees; and increased audit efficiency and effectiveness. • Integrated IDEA into the audit process, resulting in audit testing coverage of 100% in selected cases. • Wrote an IDEA audit script to detect unusual employee transaction activity, resulted in finding an employee cashing checks through the income statement. Show less

Senior Vice-President / Controller (SVP)

• Nov 1999 - Nov 2005

AS SVP / Comptroller provided financial management reporting including monthly financial review for this regional $1.1B bank. Net Interest Margin of $36M, Non-Interest Income budget of $7M, and Non-Interest Expense budget of $19M. • Initiated and developed procedures to monitor compliance with FDICA/ COSO reporting requirements. • Prepared annual budget; presented to CEO and board of directors for approval. • Implemented monthly forecasting of financial results versus budget. • Prepared monthly interest rate risk reports and liquidity reports for the board of directors. • Performed analysis to determine the most profitable customers. • Responsible for regulatory and board reporting. • Acquisition of Citizen Bank of Weslaco, Texas, with assets totaling $80M. Show less

Senior Vice-President / Cashier (SVP)

• Sep 1996 - Nov 1999

As SVP / Cashier directed the finance, accounting, human resources, and facilities management for this $49M bank. Net Interest Margin was $2M. Non-Interest Income budget was $400K, and the Non-Interest Expense budget was $2M. • Directed the project to convert from an outsourced core processing solution to an in-house based solution; resulting in cost savings of $48K annually • Increased service charges by $36K annually. • Upgraded the teller system, resulting in teller transaction efficiency and enhanced customer service. • Implemented the Bank-by-Phone system, reducing customer call-ins for balance inquires, and 1 FTE. • Automated processes and consolidated duties to reduce the number of FTEs by 15. Show less

Auditor

• Jan 1991 - Sep 1996

Operations

• Jan 1991 - Sep 1992

Loan Review Officer

• Jun 1988 - Jan 1991

Management Trainee / Credit Analyst

• Jan 1985 - Jun 1988