Ricardo Carmo

Experience

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  Banco Espírito Santo S.A.

  Aug 2012 - Sept 2012

  Estagiário

  - Preparation of KPIs related to the different branches (sales, account cancellations, loans, insurance, and deposits).- Collections- Financial products- Client acquisition

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  Adecco

  Nov 2012 - Jan 2015

  Assistente de Apoio ao Cliente - Assistência em Viagem (Grupo Fidelidade)

  - Management of travel assistance (vehicle reservations, scheduling of towing services).- Claims

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  Fidelidade Assistência - Companhia de Seguros S.A.

  Apr 2015 - Dec 2015

  Assistente de Apoio ao Cliente - Assistência em Viagem

  - Management of travel assistance (vehicle reservations, scheduling of towing services.)- Clarification of doubts regarding assistance conditions in different isurance sectors.- Management of international assistance processes.- Claims

• 

  Via Directa

  Jan 2016 - Apr 2019

  Accountant

  - Accounts receivable and payable- Bank reconciliations- Fixed assets- Accruals and deferrals- Calculation and payment of legal taxes in Portugal.- Reinsurance.- IDS/CIDS clearings.- Reporting to APS and ASF.- Preparation of individual financial statements.- Follow-up of external auditPrograms: SAP, SAP FSCD, and SAGE.

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  Fidelidade

  May 2019 - Jul 2021

  Accountant

  - Accounting migration from Via Directa to Fidelidade- Fixed assets- Accounts receivable and payable- Accruals and deferrals

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  Air Liquide

  Jul 2021 - now

  Record to Report

  - Intercompany report- Accounts receivable and payable for intercompany- Reconciliation (ledger vs subledger)- Audit