I'm a Filipino Certified Public Accountant (CPA) and Certified Treasury Professional (CTP) with an MBA degree from UP Diliman with nearly 20 years in accounting, audit, treasury, risk and compliance across the Philippines, Papua New Guinea and the UK. Now based in the UK, I am ready to work remotely with clients in the US, UK, Canada, Australia, New Zealand, the EU and beyond.
My career began in the numbers. I handled bank, AR and AP reconciliations at Sky Land Global Logistics, then joined JP Morgan Chase as one of its pioneer credit and fraud risk analysts in the Philippines. At Ernst & Young (SGV & Co.), I audited major clients including Globe Telecom, Philippine Airlines and ABN AMRO Bank, specialising in debt, equity and derivative instruments, and supported Basel capital accord implementation through risk advisory work. I went on to lead finance, treasury and risk functions, up to Chief Risk Officer level, at banks and financial institutions in three countries.
I've also spent 11 years teaching accounting, auditing and corporate finance at De La Salle University, Assumption College and Pamantasan ng Lungsod ng Maynila, and training candidates for the CFP, CMA, CFrA and CICA certifications.
I don't just produce the numbers. I explain what they mean and what to do next.
Whether you're a sole trader, a startup, a scale-up or an established company, here's how I can help:
1. Bookkeeping, Accounting & Financial Reporting
• Full-cycle bookkeeping: AP, AR, bank and credit card reconciliations
• Month-end and year-end close
• Catch-up and clean-up bookkeeping
• Accounting system setup and migration (Xero, QuickBooks Online, NetSuite, Sage)
• Financial statement preparation (IFRS, IFRS for SMEs, PFRS, FRS 102, US GAAP)
• Payroll processing and payroll accounting
• Multi-entity consolidation and intercompany accounting
• Audit-ready financials and PBC (prepared-by-client) schedules
• Technical accounting support (IFRS 9/15/16, ASC 606/842)
• Outsourced financial controller
• Complex accounting, recognition, valuation, and disclosure problems
2. Management Accounting
• Monthly management accounts and reporting packs
• Budgeting, rolling forecasts, FP&A
• Budget vs actual variance analysis
• Data-led KPI and insights dashboards
• Costing and profitability analysis by product, customer, channel or activity (ABC)
• Unit economics (CAC, LTV, contribution margin, burn multiple)
• Pricing, break-even and margin analysis
• Cost reduction and spend analytics
3. Corporate Finance / Fractional CFO
• Fractional, virtual or interim CFO
• Three-statement financial modelling and scenario planning
• 13-week cash flow forecasting and cash management
• Treasury management: liquidity, banking relationships, FX and interest-rate risk, working capital
• Fundraising support: investor-ready financials, data room, pitch deck numbers
• Debt financing: lender packs, covenant monitoring, refinancing
• Financial due diligence (buy- and sell-side) and transaction readiness
• Business valuation and investment appraisal (NPV/IRR business cases)
• Board and investor reporting
4. Business Operations Review & Support (finance processes and controls)
• Finance function diagnostic and transformation roadmap
• Process mapping and SOPs for P2P, O2C and R2R
• Fast-close and close-process optimisation
• Finance systems selection, implementation and automation (including AI and RPA)
• Working capital process improvement (DSO, DPO, DIO)
• Procurement, vendor onboarding and spend controls
• Delegation of Authority (DoA) matrix and approval workflows
• Finance outsourcing and shared-services setup
• Credit management policy and process optimization review
5. Audit, Risk & Compliance Advisory
• Outsourced or co-sourced internal audit
• SOX/ICFR readiness: RCMs, walkthroughs, controls testing, remediation
• Enterprise Risk Management (ERM) framework and risk registers
• GRC systems review (RCSA, KRI, LED, CIM, RCA) and risk champions network training
• Financial risk management: credit, market, liquidity, ALM, IRRBB
• Regulatory capital and liquidity (ICAAP, ILAAP, stress testing), regulatory reporting
• AML/KYC and financial crime compliance reviews
• Fraud risk assessment and investigation support
• External audit preparation and auditor liaison
• Third-party/vendor risk and operational resilience
• Sustainability and climate risk reporting (IFRS S1/S2)
6. Governance
• Board, Audit Committee and Risk Committee reporting packs
• Governance framework, committee terms of reference and policy suite (treasury, credit, risk, finance policies)
• Three Lines model design
• Risk appetite statements and frameworks
• Board and governance effectiveness reviews
• Independent/non-executive board member or advisor
• Family and owner-managed business governance
You get the rigour of a regulated bank and a Big Four firm, applied to your business at a fraction of the cost of a full-time hire. I work to high technical and ethical standards, protect your data, communicate clearly, and deliver across time zones with minimal supervision. Most importantly, I answer the "so what": every piece of work comes with the insight you need to act.
Need a reliable monthly bookkeeper or a part-time CFO who has run finance and risk at board level? Let's talk.
