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Bio

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Jose Bernardino Ruiz is a seasoned finance professional with extensive experience in accounting, payroll, and financial management. With a strong educational background, including a Diploma in Accounting and Payroll Administration from Algonquin Careers Academy and an Accredited Payables Specialist Certification from The Accounts Payable Network, Jose has honed his skills in financial analysis, budgeting, and financial planning. Fluent in English, Tagalog, and Spanish, Jose has successfully worked with clients in various industries, including finance, construction, and manufacturing. His expertise in financial software, including Sage 50, Sage ERP, and QuickBooks, has enabled him to streamline financial processes and improve operational efficiency.

Credentials

  • Banking Certificate - Final Section
    The Chartered Institute of Bankers
    Mar, 1994
    - Jun, 2026
  • Certified Public Accountant (CPA) - Philippines
    Board of Accountancy - Philippine Regulation Commission
    Apr, 1978
    - Jun, 2026
  • Accredited Payables Specialist
    The Institute of Management and Administration
    Aug, 2008
    - Jun, 2026
  • Level 4 - Advanced Standing (Eligibility for Transfer Credits)
    CGA Ontario
    Mar, 2000
    - Jun, 2026
  • Conduct and Practices Handbook
    Canadian Securities Institute
    Jan, 1998
    - Jun, 2026
  • Canadian Securities Course
    Canadian Securities Institute
    Jan, 1997
    - Jun, 2026

Experience

  • P* Company
    • Mississauga ON
    • Sr Associate
      • 2017 - 2019
      • Mississauga ON

      Passed HLLQP & IFIC - Term insurance and mutual funds/ sales and service...

  • Accountemps Canada
    • Burlington ON
    • Accounting Associate - Landmark Structures
      • Jul 2016 - Aug 2016
      • Burlington ON

      General accounting

  • The State Group Inc.
    • Mississauga ON
    • Intermediate Accounts Payable
      • Sep 2000 - May 2013
      • Mississauga ON

      * Full cycle accounts payable, including USD payments* Processed sub-contract invoices, including current liability insurance certificates, retention amounts, current WCB certificates* Supported monthly, bi-weekly and weekly cheque runs, including required documentation* Reconciled vendor stateme...

  • Manpower Canada
    • Canada Life Assurance Company, Toronto ON
    • Accounting Clerk-Canada Life (Printing Services)
      • Jun 2000 - Aug 2000
      • Canada Life Assurance Company, Toronto ON

      * Temp placement* Costing dockets, for in-house print jobs completed or work-in-process* Data entry, using DATAEASE (in-house costing program)* Verified work-in-process and materials requisition slips, for proper cost centre and unit cost* Prepared weekly cost summaries-by cost centre: for work-i...

    • Administrative Assistant to Senior Investment Advisor - TD Wealth Management
      • Apr 2000 - May 2000
      • Mississauga ON

      * temp placement* provided service to clients, re: real-time stock quotes, money transfers, FX transactions, investment materials, statement of accounts* opened new accounts, KYC

    • EDM Administrator - Mackenzie Financial Corp
      • 1999 - 2000
      • Toronto ON

      * Temp placement* Classified, batched and indexed documents related to mutual funds and scan using KODAK Image Link Scanner 923D* Sorted and batched by department, documents received within the fax centre - with 96% accuracy

    • Documentation Coordinator - New Accounts
      • Oct 1996 - Dec 1999
      • Toronto ON

      * IDA requirements for new accounts/ KYC* Client ID verification, required for release of funds* Follow-up with investment advisors, to submit required IDA documentation* Started as temp assigned to Corporate Secretary, to assist in merger between RBC DS and Richardson Greenshields ( share alloca...

  • H&R Block
    • Etobicoke ON
    • Tax Associate
      • 1996 - 1997
      • Etobicoke ON

      * Conducted preliminary client interview, to determine the most favourable tax payable/ refund computation

    • Staff Accountant - Financial Planning & Control
      • 1987 - 1996
      • Riyadh KSA

      * Prepared periodic statutory reports for electronic submission to SAMA (Saudi Arabian Monetary Agency)* Output control* Monthlly Nostro/Vostro bank reconciliation, for 20+ international banks and adjusting entries, for errors and timing differences* Handled client inquiries, regarding bank state...

    • Project Accountant - Hael/Ola Road project
      • 1982 - 1985
      • Riyadh KSA

      * Administered petty cash fund/ co-signer for local cheques issued, up to SR 1m* Withdrawn monthly payroll cash from bank and coordinates distribution, for (500) employees on site* Assigned cost codes, for material requisitions* Prepared monthly cash report and project cost summary* Coordinated w...

    • Supervisory MEF Analyst - Controller's Office
      • 1981 - 1982
      • Makati Philippines

      * Corporate budget planning and review* Monthly budget against actual analysis* Involved in corporate-wide, initial implementation of Zero Based Budgeting method

  • Saudi Aramco
    • Dhahran KSA
    • Staff Accountant - Billings & Trade Receivables Group
      • Dec 1979 - Dec 1980
      • Dhahran KSA

      * Monthly billings of oil, natural gas and petroleum products sold to foreign institutional clients* Collects daily delivery tickets to support total quantity billed monthly, for gas and crude products* Daily monitoring of inventory levels* Trained local university students, on billing systems an...

  • SGV & Co Philippines
    • 6760 Ayala Avenue, Makati City, 1226 Metro Mani...
    • Staff Auditor - External Audit Div
      • Nov 1976 - Jul 1979
      • 6760 Ayala Avenue, Makati City, 1226 Metro Mani...

      * Performed review and analysis of income and expense accounts, for assigned clients in manufacturing, retail, construction, leasing, shipping and non-profit organizations* Reviewed internal controls, using ICQ and suggested improvements, where appropriate* Participated in year-end inventory taki...

Education

  • 2015 - 2016
    Algonquin Careers Academy
  • 2008 - 2010
    The Accounts Payable Network
  • 2007 - 2009
    Ryerson University
  • 2001 -
    People Soft University
  • 1996 -
    H & R Block
  • 1996 -
    Toastmasters International
  • 1985 - 1986
    Institute of Advanced Computer Technology
  • 1985 -
    Institute of Advanced Computer Technology
  • 1976 - 1976
    Philippine School of Business Administration
  • University of Saint La Salle

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