Ryan Ma

-Manage, clear, and reconcile institutional margin exposure risk of approximately 1.5Bn+ daily. -Trade TBA/Repo, Excess Sweeps, and OTC Derivatives referencing MTA and MTM thresholds from existing or amended Msfta and Mra agreements between principal and client. -Reconcile fixed income pricing discrepancies (UST and MBS) to reduce margin risk between Bank of America and counterparties. -Clear and match outstanding wires for daily, monthly, and heavily aged breaks, margin and interest movements. -Maintain compliance with FICC repo margin requirements. -Competent with the Bloomberg Terminal and internal margin systems like Mercury, JCash Cash Manager, Acadia MarginSphere; leverage Etask/TaskTracker to meet firm daily market security and cash deadlines. -Manage professional client relationships while meeting financial metrics of the bank. -Competent with Microsoft systems (Excel, Outlook, Teams)

-Support Relationship Managers in testing credit agreements and creating covenants for commercial clients within the middle market bank ($25M–$1B in annual revenue), as well as large syndications underwritten by the Wells Fargo Corporate & Investment Bank. -Manage loan documentation, renewals, and portfolio monitoring to ensure adherence to internal policies and regulatory standards. -Utilize internal systems including LoanIQ, WBRS, nCino, and ETrac to perform high level credit testing, track covenants, and maintain compliance accuracy. -Establish covenants, ticklers, loan amendments, and reporting requirements to mitigate and avoid default risk. -Proficient in Microsoft platforms such as Teams, SharePoint, Excel, and Outlook used for efficient communication with senior managers and managing high paced workflow queues in a production environment.

Completed comprehensive training on Vanguard’s mutual funds, ETFs, and retirement account products Dedicated significant time to preparing for FINRA licensing exams, building foundational knowledge of securities and regulations Gained familiarity with compliance standards and firm policies through structured onboarding Developed strong discipline and time management skills in a high-expectation learning environment Collaborated with team members during initial training phases to understand client service workflows

I am part of the Abbey Advocate program that is a group of students that answer the phone in the Admissions office, calling prospective students, and giving tours.

As an active member of the Investment Club at Belmont Abbey College (1/13 spots), I am on the research committee which looks into different stocks and ETFs/Mutual Funds by looking at companies' 10k's and calculating various ratios/statistics (Current Ratio, Inventory Turnover, Working Capital, Profit Margin, etc.). Using these statistics and comparing them to other competitive companies in the sector, the committee then comes to a consensus to either hold, liquidate, or invest in these various companies to help leverage the decent size portfolio the club manages. These presentations are given at the formal monthly or bi-weekly meetings.

1. Performed in-depth financial investment analysis looking at a client's asset allocations and management strategies while finding ways to leverage greater returns while minimizing risk. 2. Emailed client's 2024 Quarter 2 Investment Performance Reports with personalized analysis. 3. Onboarded new clients to expand the firm's revenue and profitability and gained greater competence using the business LinkedIn (LI) account and LI Sales Navigator to nourish leads. 4. Executed hardwire transfers from the client's Charles Schwab brokerage accounts to their bank accounts from liquidated securities and market funds. 5. Used, navigated, and completed data entry in different financial planning software such as EMoney, The Charles Schwab Advisor Center, Orion, and Wealthbox, while using Microsoft platforms like SharePoint, Excel, Word, Teams, and Outlook. *hours from this internship counted towards the experience hour requirement for the Certified Financial Planner Certification (CFP®) which I plan to earn after graduation.

This was a 4-week internship in the Diocesan Finance Department. The duties of this job included creating and calculating the 2023 financial spending reports for the Diocesan Chancery and organizing financial documents such as Accounts Receivable, Tax Returns, Fixed Assets, and Grants. I also scanned and analyzed internal audit reports from the past 10 years regarding the parishes and 3rd party organizations within the Diocese of Charlotte. Lastly, I was able to analyze diocesan Batch Reports which included Loans, Grants, and Account Deposits/Withdrawals.

BA in Philosophy with a minor in Finance