Raisul Ferdous (Ray) ACCA

At KINAIE Ltd, I lead a dynamic accounting and advisory firm dedicated to helping startups, scale-ups, and established SMEs manage their finances with clarity, compliance, and confidence. As Founder and Managing Director, I’m responsible for shaping the strategic direction of the business while working hands-on with clients to deliver tailored accounting, tax, and financial solutions. Our firm combines deep industry expertise with a technology-first approach to support long-term growth for UK-based and international businesses. Key Responsibilities & Achievements: • Founded KINAIE Ltd to provide proactive, value-driven financial services for small to mid-sized businesses across multiple sectors. • Deliver strategic tax planning, cloud-enabled bookkeeping, corporate compliance, and financial forecasting tailored to each client's goals. • Oversee preparation of year-end accounts, VAT returns, payroll, and corporate tax filings with an emphasis on accuracy and efficiency. • Act as outsourced Financial Controller for select clients, streamlining their finance operations and improving profitability. • Lead business advisory engagements—supporting clients through growth phases, funding rounds, and restructuring. • Expanded firm offerings beyond finance to include digital identity services (website, domain, cloud setup) and online marketing support for new businesses. • Built a trusted team of ACCA-qualified professionals committed to excellence, transparency, and client success. Our promise at KINAIE is simple: “Accounting Excellence, Business Success.” 🔹 Visit us at www.kinaie.com

At Moneff, I lead the company’s financial strategy and operations, driving excellence and innovation within the fintech sector. Reporting directly to the Group CFO, I play a key role in shaping the organisation’s financial direction while ensuring compliance, operational efficiency, and long-term growth. I combine strategic financial leadership with a technology-focused mindset to support Moneff’s mission of delivering modern and impactful financial solutions. Key Responsibilities & Achievements: • Strategic Financial Leadership: Developed and implemented financial strategies aligned with business goals, ensuring sustainable growth and profitability. • Regulatory & Compliance Oversight: Ensured full compliance with relevant financial regulations and maintained strong internal controls and transparent reporting standards. • Operational Excellence: Optimised financial processes, introduced scalable systems, and leveraged fintech tools to improve efficiency and accuracy. • Cross-Functional Collaboration: Worked closely with senior leadership and cross-border teams to align financial operations and support cohesive strategic planning. • Data-Driven Decision Making: Delivered actionable insights through advanced financial analysis to guide investment, risk management, and business development initiatives. • Team Leadership: Built and led a high-performing finance team focused on innovation, performance, and continuous improvement.

Oversee financial operations for a fast-growing fintech company, focusing on strategic planning, regulatory compliance, and financial reporting. Collaborate cross-functionally to support decision-making, optimize internal controls, and drive financial efficiency in a dynamic, tech-driven environment.

▪️ Oversaw finance functions for 150+ corporate clients with up to £20m turnover, ensuring accurate accounting and bookkeeping operations. Prepared year-end accounts, tax returns, and VAT returns, resulting in 98% compliance and £64k R&D taxation savings. ▪️ Provided comprehensive corporate services, opening UK accounts for 38+ non-UK citizens and setting up 100+ companies for non-UK citizens. Acted as Financial Controller for select companies, managing their accounting functions and achieving 33% increase in financial efficiency. ▪️ Undertook time-limited projects, acting as Financial Controller for various companies and training several staff members, leading to 25% increase in operational efficiency. ▪️ Established accounting operations by streamlining adequate accounting policies and procedures resulting in 20% reduction in errors and improved financial reporting accuracy. ▪️ Led ad-hoc business development projects, by planning and implementing marketing strategy, resulting in increased upsell percentages and fee income.

▪️ Prepared accounts for 55+ clients, ensuring accuracy in reconciliations, ledgers, income statements, and statements of position. Maintained a 95% error-free record, guaranteeing reliable financial reporting. ▪️ Managed payroll for a diverse workforce using Sage Payroll systems, processing payroll for 30+ companies with an avg. 5+ employees. Achieved 98% on-time and accurate payroll processing, ensuring employee satisfaction and compliance. ▪️ Managed over 30 income tax clients, completing HMRC self-assessments, tax calculations, and National Insurance contributions. Maintained a 90% error-free record, ensuring timely compliance and minimizing financial risks. ▪️ Completed HMRC self-assessments, including tax calculations and National Insurance contributions. Maintained a 90% error free record, minimizing financial risks and ensuring timely compliance for clients.

▪️ Acted as the primary point of contact for 50+ suppliers, 5+ temporary staff, 10+ consultants, and 100+ contractors regarding all financial matters. Provided prompt and efficient resolution to inquiries, fostering strong working relationships. ▪️ Created SAP entries, accurately reflecting supplier invoices and matching/reconciling them against purchase orders. Achieved a 100% reduction in invoice discrepancies, ensuring accurate financial records. ▪️ Managed the processing of advances and expenditure returns related to sub-contract arrangements, guaranteeing accurate financial documentation and compliance with regulations. ▪️ Prepared a comprehensive monthly summary status report for the Head of Financial Services, providing key insights and updates on all financial activities and progress. ▪️ Oversaw the organization's use of the UNDP service provider, initiating, preparing, and reviewing payment requests to replenish funds held by UNDP New York. Ensured adherence to established protocols and financial regulations.

▪️ Prepared and negotiated the sales budget and forecast with the CEO and Head of Sales, resulting in a 52% increase in sales revenue and improved financial planning. ▪️ Developed and maintained strong relationships with existing Student Recruitment Agencies, while successfully recruiting new agents. These efforts generated a significant contribution to the college's financial growth. ▪️ Trained and coached 15+ new recruitment agents, equipping them with the necessary skills to meet targets and comply with entry requirements. Achieved a 100% improvement in agent performance and retention rate. ▪️ Led operations as Head of Operation for St. Andrew's Student Services LTD (SASS), the sister organization of St. Andrews College, achieving a 30% increase in operational efficiency.

▪️ Generated monthly profit and loss accounts and conducted analysis for stakeholders, providing valuable insights into financial performance. Enhanced financial decision-making and achieved 100% increase in stakeholder satisfaction. ▪️ Efficiently managed accounts receivable, agent's commissions, petty cash, and payroll, resulting in streamlined financial processes and improved cash flow management. ▪️ Prepared and submitted statutory returns, including VAT return, management accounts and preparation for the yearend accounts 100% accuracy and adherence to regulatory deadlines. ▪️ Conducted internal audits, implementing control procedures to mitigate risks and improve financial integrity, resulting in 50% improvement in internal controls.

▪️ Managed a Non-discretionary Portfolio for two High Net Worth (HNW) individuals, combining financial assets exceeding £1m GBP, achieving investment decisions aligned with clients' goals. ▪️ Conducted both Fundamental and Technical Analysis, including chart analysis, for allocated products, resulting in 58% improvement in portfolio performance. ▪️ Recorded and tracked weekly buying, selling, and transfer activities of the products, ensuring accurate record-keeping and compliance with regulations. ▪️ Represented clients by attending Annual General Meetings (AGMs) and other events, gathering pertinent information and insights. Produced comprehensive reports, providing clients with valuable updates on their investment holdings.