Fernanda Silva

Planned career break focused on expanding global perspective, deepening self-knowledge, and updating financial, leadership and innovation skills. - Lived in multiple countries (France, Belgium, Netherlands, Germany, Portugal, Spain), engaging in local culture beyond conventional tourism. - Attended short programs in Finance, Strategic Thinking, and Communication in English (Canada – ILSC Education Group). - Explored innovation trends in financial leadership, data-driven decision-making, and automation in finance. - Dedicated time to reflection, personal development, and human behavior studies, with emphasis on multicultural experiences and emerging financial practices. - Reconnected with slower rhythms during a solo travel experience in Brazil’s Northeast, enhancing self-leadership and presence. - Returned to São Paulo to resume studies and prepare for new challenges in Finance, with renewed energy, clarity and vision.

- Oversaw budget, forecast, and cashflow management, including P&L reporting and variance analysis; - Tracked and analyzed key financial and operational KPIs, supporting decision-making focused on administrative and healthcare efficiency; - Provided insights and support for commercial strategy and healthcare network structuring, with a strong focus on cost management and profitability; - Ensured regulatory compliance with ANS standards through close coordination with accounting and legal teams, supporting internal and external audits; - Implemented internal controls, financial governance frameworks, and automation tools to strengthen process reliability and scalability.

- Led the setup and full development of the financial operation from scratch, including Treasury, Accounts Payable/Receivable, Financial Control, Billing, Credit, and Collections; - Managed budget, forecasting, and cashflow, driving financial sustainability and strategic decision-making; - Oversaw domestic and international investment portfolios, focused on profitability, risk mitigation, and full compliance with regulatory capital requirements (ANS); - Supervised a distributed team of 7 professionals, fostering high-performance culture and leadership development; - Designed and implemented end-to-end financial policies, covering investments, billing, cost control, card management, and cashflow; - Negotiated with financial institutions to reduce costs and improve financial efficiency (banking relationship management); - Improved key financial indicators, including default rate, recurring revenue, FX, and operational efficiency; - Spearheaded process automation and introduced financial technologies, turning the operation into an industry benchmark — later recognized as a case of innovation, featured in a published podcast

- Responsible for cash management and preparation of short- and long-term financial forecasts for the executive board: - Development and oversight of budgeting and cashflow, focused on financial efficiency; - Managed relationships with financial institutions and negotiated operations such as receivables discounting, foreign exchange, working capital, and hedging; - Reviewed and implemented processes to ensure regulatory compliance with the Brazilian Central Bank, including compulsory deposits (Circular 4131); - Led the implementation of the Nexxera system (bank integration) and supported the rollout of ERP Matera - Managed accounts payable and receivable (AP/AR) and contributed actively to financial process automation.

- Managed operational treasury routines, with a focus on Accounts Payable (AP), including scheduling and processing of domestic and international payments; - Oversaw operational cashflow, performed bank reconciliations, and supported monthly financial closings; - Monitored financial KPIs and prepared reports to support decision-making; - Provided support for accounting audits and ensured internal process compliance; - Worked with Infor ERP, helping integrate financial data and improve process accuracy and agility across teams.

- Responsible for SAP FI implementation at the Mexico unit; - Participated in audits and restructuring of processes including Accounts Payable, Accounts Receivable, Billing, and Working Capital; - Acted in a cash recovery project focused on reducing delinquency, creating credit policies, and developing KPIs for financial reporting; - Built business cases to fund internal initiatives, reduce financial inefficiencies, and support budget control and problem-solving; - Led the implementation and development of “Complemento de Pago”, a fiscal compliance requirement by the Mexican government to monitor payments and issue credit notes.

- Responsible for reviewing and restructuring processes in Accounts Payable, Accounts Receivable, Billing, and Working Capital in Brazil; - Enhanced cash flow control focusing on budget vs. actual analysis, data accuracy, and loss prevention; - Reviewed policies and procedures to ensure full compliance with regulatory standards; - Acted as liaison between Finance, Procurement, and Commercial areas to reduce financial impacts on operational decisions; - Led SAP FI implementation in São Paulo offices and Goiás factories, aligning local operations with global standards; - Coordinated SAP testing and supported cutover and adoption phases; - Developed communication plans and led data validation efforts; - Supported Workday implementation in Brazil, including training delivery and documentation development.

- Responsible for developing and controlling monthly Budget and Forecast (Actual vs. Budgeted) and conducting profitability analysis across group companies; - Planned and controlled monthly costs; - Developed dashboards and management reports to support decision-making and financial performance (P&L); - Prepared weekly and monthly reports for the CEO, Directors, and LATAM Headquarters in Chile; - Monitored KPIs across all divisions and consultants (Revenue, Visits, Proposals, New Business); - Consolidated results and presented them to the Executive Committee and Latin America leadership; - Calculated and managed sales team commissions; - Supported the sales team with financial information, market leads, and new business opportunities; - Coordinated payment/receipt processes, credit, and collections; - Handled customer inquiries and supported committee meetings and audits; - Created business plans for short-, medium-, and long-term strategies.

- Responsible for managing cash flow (forecasted and actual), reconciliations, accounts payable and receivable, invoicing, tax withholdings, and reporting; - Issued reports and spreadsheets, managed foreign trade operations (import and export), handled exchange operations, pricing, and relationship with banks, clients, and suppliers; - Acted as Key User during SAP FI/CO implementation, supporting requirements gathering, testing, and validation; - Provided administrative support in procurement, contract management, insurance, fleet, and facility operations; - Implemented and maintained electronic timekeeping systems, payroll, vacations, taxes, and bonuses; - Assisted with employee onboarding, offboarding, promotions, and employment contracts; - Well-versed in labor and corporate legislation; - Coordinated benefits programs and directly negotiated with vendors.

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