ramez ghandour

Responsible for all the modern trade and pharmacies channels across the kingdom

* Implemented Zero Base Budget (ZBB) and designed budget templates for each cost element in P&L * Develop monthly and yearly rolling budget * Track actuals vs budget for each department and detect favorable and unfavorable variances and provide solutions * Summarize price and volume variances on a monthly basis * Worked on several projects such as distribution expansion, commission scheme, buy or rent, and new principal financial modeling * Dealing with outsourced companies * Prepare accounting and management reports * Convert financial reporting from fiscal to calendar year * Documented an understanding of each functional area * Applied the ABC costing method framework * Seperating variable from fixed costs (Cost split exercise) * Manpower budgeting

* Worked on the interim, quarter review, and year-end audit for financial institutions * Carried out bank reconciliation activities for operations and shareholders’ assets * Worked on time deposits and investments held at fair value * Performed day-to-day activities including test of controls and test of details (substantive testing) for several significant account balances * Performed an understanding of the entity for the following cycles: HR & payroll cycle and expenditure cycle * Worked and applied the test of controls on the medical and motor claims for insurance companies * Knowledge in the relationship between insurance and reinsurance operations (Treaty, Facultative, and Excess of loss reinsurance agreements) * Performed test of control for excess of loss premiums * Performed stock count for a manufacturing company, sheet to floor and floor to sheet for raw materials

* Prepared and computed payroll income taxes for employees according to the Lebanese Tax Law * Worked on the Social Security National Fund (SSNF) * Carried out bank reconciliation activities * Recorded journal entries on the accounting system

* Manage collection process * Enure completeness of invoices submitted to principals/customers to enable timely payments * Preserve an updated list of outstanding receivables on a weekly basis and follow up on past due via all means of communication * Make monthly reconciliation of AR and G/L rebate accounts and solving any discrepancies * Maintain mutual and valued relationship with customers and principals * Perform monthly aging reports and report DRO * Review of balance sheet accounts and P&L rebate accounts and ensure all balances are properly supported and record correcting entries if necessary * Directing a team with improvement and building a sense of responsibilty in day-to-day activities * Work closely with other functional units such as principal and accounts payables and Finance in areas like monthly financial letter, G/L, and internal control compliance

Minored in an Internal Audit Program in partnership with IIA