Ian Dela Cruz, CPA, CMA

Experience

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  TD Insurance

  Jan 2010 - Dec 2010

  Junior Financial Analyst

  • Coordinate with various units within the Bank to ensure adherence to established processes and procedures and ensure timely and accurate claims / benefit settlements• Process monthly commissions to other business units within the bank• Maintain bank account and payment approval signature listing• Process fund transfers, stop payments and bank deposits• Review, reconcile and investigate unusual activity in business unit GL & bank accounts• Process, reconcile and record inter-company transactions efficiently and on time• Process entries, calculate premiums, maintain general ledger and prepare financial statements for subsidiary operations• Record and validate all journal entries for claims, premium refunds and fund transfers etc• Took the lead in annual Sick Kids Fundraiser in which a total of $1,000 was raised Show less

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  BMO Financial Group

  Nov 2011 - Nov 2014

  • Awarded BMO Quarterly Top Performer in Q1 & Q3 of 2014 & Top performer in the months of March 2012 & February 2013• Identify, assess, and mitigate risk to the bank through use of negotiation techniques• Use analytical thinking to evaluate root cause for arrears and recommend appropriate programs to help preserve client accounts and credit ratings in extreme hardship situations• Demonstrates conflict management & resolution strategies to effectively manage situations while dealing with clients facing extreme hardship• Provides process enhancements allowing Hardship programs to operate more effectively and efficiently (i.e. Fix Pay Improvements, and Product Transfer Improvements) Show less • Adhere to standard bank credit practices & audit policies, including government regulated legislation such as Cost of Borrowing regulations & credit bureau reporting• Weigh credit risk & negotiate BMO collections payment terms within a timely manner, while also offering alternate financial solutions; & responsible for identification of fraudulent activity using risk-based controls such as Anti-Money Laundering guidelines• Collaborate with internal & external departments to enhance & revise existing procedures, and identify learning gaps to administer new training materials Show less • Performed skip-tracing assignments from collectors to carry out skip-tracing duties to locate and identify contact information for clients with skip payments on BMO Lending products• Utilizes excellent risk assessment skills in evaluating the ability & willingness to pay in clients and routing their accounts to the appropriate department (i.e. Bankruptcy, Fraud, Recovery)• Created Standard Operating Procedures (SOP) for Bill Payment Refund Requests by coordinating with units in Personal & Commercial Product Operations (P&C PO) Show less

  • Hardship Account Manager

    Jan 2014 - Nov 2014

  • Dispute Desk Collector

    Nov 2013 - Nov 2014

  • Investigations Agent

    Nov 2011 - Nov 2013
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  EB Games Canada

  Dec 2014 - Nov 2016

  Financial Analyst

  • Prepare reconciliations and prepare adjustments of Vendor Defective Allowance, Obsolescence General Ledger Accounts demonstrating a high degree of attention to detail• Utilize forecasting models to generate daily sales plans for fiscal months and provide District and Regional managers with store payroll hours that align with budgeted payroll expense• Run and review Store P&L’s for accuracy and reasonableness using knowledge of accounting principles, taking the initiative and investigating any usual items• Act as point person in environmental compliance programs such as EPRA and CSSA, to develop sampling and reporting methods ensuring company compliance• Act as project manager for various efficiency improving initiatives such as the acquisition and implementation of Jet Reports, Electronic Data Interchange for invoices, and Positive Pay by exemplifying strong communications skills to internal and external contacts• Demonstrate excellent analytical skills in assisting Budgeting & Reporting Manager with annual budgeting and quarterly forecasting process by preparing historical trend analysis Show less

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  Bell

  Nov 2016 - now

  • Capital management for 3 portfolios: Network Wireline Ontario, Network Wireline Atlantic, & Network Wireless Central Ontario• Support and add value to the financial month end reporting process by analyzing variances to targets, and documenting clear, concise explanations for any variances• Prepare & consolidate VP/Director month results packages and Year End Forecasts• Conduct thorough daily analysis of client’s spend and trends during month end cycle, to ensure accurate forecast of month end results are reported daily• Lead the preparation of the annual budget, quarterly forecasting exercises, and 3 Year Plan build and ensure the most accurate, realistic forecasts are built• Interface regularly and build relationships with various client teams to keep the focus on delivery of financial targets• Conduct ongoing evaluations to proactively seek out any issues with the client’s financials and provide recommendations to resolve• Interface with other Finance groups to address information requirements, business issues and roadblocks• Support capital management initiatives fulfilling adhoc requests & supplementary tasks as required Show less

  • Senior Finance Manager: Cloud, Corporate Systems, & Security

    Mar 2024 - now

  • Senior Finance Manager, IT: Channel & Engagement

    May 2023 - Mar 2024

  • Senior Consultant, Network Provisioning

    Jul 2021 - May 2023

  • Finance Analyst, Network

    Nov 2016 - Jul 2021