Director of Finance with MBA and CPA and proven success in Financial
Analysis, Annual and Long Range Planning, Financial Reporting, and Competitive
Analysis in diverse industries such as credit cards, financial services, restaurants,
Recognized by Senior Management as dependable leader with strong
interpersonal and communication skills, expertise in managing resources, and
ability to motivate, encourage, and mentor others.
Annual Planning, Budgeting and Forecasting
Presentation Support For Management
Competitive Analysis and Intelligence
Financial Analysis of Products and Initiatives
Cost Containment/Business Efficiency Analysis
Long Range Strategic Planning and Analysis
Financial Reporting and Accounting
Data Mining and Analysis
Staff Training and Development
Created and implemented weekly P&L process
at restaurant level and accompanying reports to management
Leader of Finance department for Discover Card
brand for 3 years during company's NOVUS Network strategy; scope of responsibility
- staff of 10, $30bn of Receivables, 35mm accounts, and $6bn of Revenues
Sole Finance individual on task force charged
with creation and development of Prime Option Visa/MasterCard, Discover Card's
first foray into bank card products
Have directly presented to and supported all
levels of Senior Management, including Chairman and CEO
Was chosen by Senior Management as 1 of 25
individuals firm-wide to teach Leadership classes to 75-100 new employees twice
per year over seven year period
Created Competitive Insights, a tool to provide
management with financial results, current developments, and trends of major
competitors within 24 hours of their Earnings Releases
Created product mix and volume/margin matrix
analyses as well as hourly labor deployment model based on transaction and
sales levels designed to optimize staffing
Cosi Restaurants, Inc.Deerfield, ILDirector, Financial Planning and Analysis06/2007 to Current
Responsible for budgeting, forecasting, and long-range planning for corporate office and over 100 individual restaurants with over $100mm of annual revenue Created and implemented new reporting to enhance management decision making including: Daily Flash of prior day, current period, current quarter, and year to date sales comp by region Breakdown of sales comp by store by Daypart, Day of Week, and Catering vs In-Store Analyzed returns on investments from expenditures such as digital menu boards and Coke Freestyle machine; resulted in savings/cost reductions of over $1mm Weekly reporting of cost of goods sold actual vs.
theoretical by store, district, and region resulting in savings of 50 basis points of sales annually Trailing 13 week sales comp stoplight/dashboard by store; helped drive improving comp trends Opening to date performance reports for all stores opened within past 3 years Best In Class performance report by store type and location Daily weather database and sales comp by major markets Impact of store remodels on performance Prepare 5 year Income Statement, Balance Sheet, and Cash Flow Statement projections Analyze offers/marketing promotions such as Buy One Get One, $ Off, Free Beverage, Double/Triple Points Analyze sales/labor trade-off by time of day to determine effectiveness of staffing, saving over 25bp of sales Responsible for oversight of banking function Led initiative to transition entire banking relationship to new bank, reducing Bank Fees 25% Ensure proper funding of all accounts to support needs of Payroll, Accounts Payable, and other areas Prepared weekly rolling cash forecast Discover Card.
Director01/2003 to 01/2006
Prepared annual Strategic Plan and quarterly updates for entire company; coordinated with parent.
Oversight of Competitive Analysis including: monitor earnings, trends, and events of competitors, industry, and environment; prepare quarterly Competitive Review Book, Competitive Website, and Competitive Insights.
Responsible for financial oversight of Capital Allocation Committee.
Responsible for Standard Profitability Formula, a measure of per-account profitability.
Director01/2000 to 01/2002
Determined value of potential new cardmember accounts using NPV analysis; expanded channels analyzed from Direct Mail only to six additional channels; also added analysis of customer type.
Worked with Business Development area of Marketing in analysis of new product profitability.
Established Finance Charge Monitoring process for Sarbanes-Oxley compliance.
Director of Finance01/1996 to 01/1999
Responsible for financial management/decision making for Discover Card brand Provided financial support to Marketing department including: Account Acquisition Profitability Analysis; Promotional Pricing program profitability; Cashback Bonus analysis; Analysis of Receivables by type Acted as financial representative of brand Pricing Committee Tracked cardmember account clusters for performance before, during, and after promotional offers Prepared and presented monthly financial material for Senior Management Business Review meeting Provided financial support for Advertising, E-Commerce, Cardmember Services, and Business Technology Prepared Annual Plan, quarterly reforecasts, and Strategic Plan for brand Presented financial portion of Annual Plan to Senior Management Analyzed trends and created Discover Card Trend, Accounts Receivable, Expense, and Brand Summary books.
New Brands AnalysisManager01/1995 to 01/1996
Supported financial analysis and Annual/Strategic Plan needs of CoBrand/Affinity and Secured products.
Prepared pricing analyses used in contract negotiations with co-branding partners.
Manager01/1990 to 01/1995
Was 1 of 4 original task force members to create Prime Option Visa/MasterCard Responsible for financial presentations to Chairman and Steering Committee Created 7 year financial model later submitted as evidence in Visa lawsuit and analyzed by Visa economists Worked with NationsBank to prepare co-branded agreement for card Responsible for Annual and Strategic Plans for brand.
Manager01/1989 to 01/1990
Assisted Chairman directly in preparation of materials used to prepare speeches and presentations to Board.
Assisted in Q&A preparation for Chairman for Stockholders' Meeting.
Created Product Profitability model for Sears Consumer Finance product mix.
Management AccountingDePaul University
B.S:AccountingUniversity of IllinoisAccounting
Certified Public Accountant
Proficient with Hyperion, Oracle, Aloha Enterprise (company System Administrator), Brink POS, and Net Chef
Director of Finance with MBA and CPA and proven success in Financial Analysis, Annual and Long Range Planning, Financial Reporting, and Competitive Analysis in diverse industries such as credit cards, financial services, restaurants, and lending. Recognized by Senior Management as dependable leader with strong interpersonal and communication skills, expertise in managing resources, and ability to motivate, encourage, and mentor others. Core knowledge base and competencies include: Annual Planning and Budgeting/Forecasting * Presentation Support For Management Long Range Strategic Planning and Analysis * Financial Reporting and Accounting Competitive Analysis and Intelligence * Board Presentations Financial Analysis of Products and Initiatives * Data Mining and Analysis Cost Containment/Business Efficiency Analysis * Staff Training and Development