Andrew Maspero

ANDREW MASPERO CA (SA), BCom Profile Chartered Accountant (CA(SA)) with over 20 years of experience in financial management and consulting, including 14 years in financial services and 12 years in property sales. Proven expertise in delivering strategic financial insights, optimizing operational efficiency, and leading cross functional teams. Highly skilled in project management, with a track record of successfully deploying complex systems such as Oracle at Old Mutual. Known for a results-oriented mindset, creative problem-solving, and adaptability to change. Committed to driving sustainable growth and profitability through financial strategy and business development. South African ID Number:- South African Passport: A- Chartered Accountant (CA(SA)) Nationality: South African 2 Keerom Street, Robertson,6705, SA E-mail:-Cell: - Languages: English (Native); Afrikaans (Fluent) Notice Period: Immediate Core Competencies Strategic Financial Management Business Development & Growth Strategy Cross-Functional Team Leadership Project Management & Execution Financial Modeling & Analysis Risk Management & Process Improvement Stakeholder Engagement & Relationship Building Conflict Resolution & Change Management Tax Planning & Corporate Finance Budgeting & Forecasting Performance Metrics & KPIs Financial Reporting & Compliance Objective and Career Aspirations To utilize my 20+ years of expertise in financial management and business development to drive organizational growth and improve operational efficiency. As a results-driven leader, I aim to leverage my skills in strategic planning, market analysis, and partnership development to identify newopportunities,fostercollaboration,and enhance profitability for a forward-thinking organization. Education ICAEW - Institute of Chartered Accountants in England and Wales -(May 2016) Chartered Accountant CA (SA) - SAICA -(2000); Reinstated May 2016 Completed Board Exam in 1999 Postgraduate Diploma in Accounting -University of Natal- 1997 Bachelor of Commerce-University of Cape Town - 1996 MPRE Property – Master Professional in Real Estate - 2014 NQF5 Property – (March 2014)- Principal estate agent - 2014 NQF4 Property – Full status estate agent – 2013 MultipleSelling and trainingcourses related to Business DevelopmentManagement Credentials and Experience 16 years of CRM experience dealing with multiple clients. 16 years’ experience with SDR 1-year focus on B2Bsales 2 years focus on enterprise sales. Results-oriented with strong influencing skills across various organizational levels. Creative thinker with a keen commercial sense and understanding of customer journeys. Project Development, Project-Specific Skills: Effective planner with strong coordination abilities 7 + years’ experience in team management 3 + years of IT services and IT consulting experience Excellent post-sales management and customer relationship skills. Customer Relationship Management (CRM) Ability to effectively communicate sales challenges and market insights to senior leadership. Exceptional communication skills, both verbal and written. Ability to work independently and take ownership of the sales process. Multinational group / fintech industry experience Fluent in English (Native-level proficiency required) Exchange Control Experience FIST experience Strong understanding of financial regulations and compliance requirements Experience in Treasury management Highly skilled in payments and remittances Compliance with IFRS Data Analysis tools: Aptitude for working with data and financial modelling skills. Core Skills Financial Managementand Reporting: Expertise in financial analysis, profit and loss(P&L) management, budgeting, forecasting, cost management, reconciliations, and compliance. Proficient in preparing comprehensive financial reports, including income statements, balance sheets, cashflow statements, and variance analysis. Cashflow & Payroll Management: Skilled in cashflow management, budgeting alignment with business goals, and payroll administration. Financial Planning & Analysis (FP&A): Experience in developing financial plans and analyzing data to support business decisions. Includes financial modeling, financial forecasting, and dynamic financial analysis for long-term strategic planning. Statutory & Corporate Reporting: Full experience in statutory and corporate reporting, including preparing and assisting with annual financial statements, management forecasts, and ad-hoc reporting. Ensures regulatory and financial reporting compliance across various organizations. Generating management company reports monthly and annually and providing ad hoc reporting as required to support informed decision-making. Strategic & Leadership Skills: Strategic Planning & Execution: Skilled in strategic planning, business development, financial strategy formulation, and execution. Proven track record of implementing strategies that drive growth and profitability, including in previous roles at Deloitte, Old Mutual, and Remflow. Business Development & Partnerships: Strong experience in identifying new business opportunities, building strategic partnerships, and driving market growth. Expertise in target achievement, customer acquisition, customer retention, and developing client propositions. Leadership& Team Development: Experienced in managing and mentoring cross-functional teams, fostering high-performance environments. Regularly set and tracked team objectives, using KPI-driven frameworks to drive productivity and accountability. I have consistently fostered a collaborative and high-performance work environment. I prioritize guiding team members to develop their strengths, improve skills, and reach their professional goals. By conducting regular performance reviews and providing constructive feedback, I’ve been able to drive accountability, increase team productivity, and ensure a strong focus on results. Strategic Account Management: Skilled in client relationship building, client acquisition, upselling, and handling multiple accounts in collaboration with cross-functional teams (Account Management, Tech, Legal).Developed strategic partnerships and implemented customer relationship management (CRM)strategies, negotiating key agreements and enhancing client satisfaction to drive business growth and expand market reach. Stakeholder engagement, communication skills, influencing abilities, cross-functional team coordination. Cross-functional collaboration, cross-functional coordination, marketing campaign collaboration, team-oriented problem-solver. Adept at negotiating and closing deals, with a focus on client satisfaction and business growth. Software Architecture experience: Strategic planning, testing and implementation of software architecture solution design. Financial Software Proficiency Technical Skills: Technical& financial service sector-specific knowledge. Advanced MS Office (Excel- VLOOKUP, Pivot Tables), Oracle, Sage, Pastel, and project management tools (Trello, Slack). Sales QL and Gleam, Jam error bugging, Google Sheets, Slack, Trello Project Management, Figma Business Analysis, Dux Soup, Sales QL– LinkedIn Industry & Technical Skills: E-commerce environment Experience, proposal development competence, SaaS partnership scaling Market Analysis: Competitor analysis, market penetration, data-driven analysis, performance reporting & insights, Performance tracking. partner performance assessment. Organizational Skills: Organizational and administrative skills. Detail-oriented, organized, and capable of managing complex projects and partnerships. Analytical Skills: Proficient in data research, analysis, and translating data insights into actionable business strategies: competitor analysis, industry trend identification, or strategic insights that support market expansion. Business Growth & Opportunity Development: Partnership recruitment expertise. Client Partnership Optimization. adept at identifying new business prospects, developing client relationships, strategic partnerships and pursuing high-potential opportunities. Target achievement, customer acquisition, customer retention, customer proposition strategy, usage growth, new market development, customer proposition strategy, B2Cand C2Csalesprocess Product and Brand Development: Product development, product range expansion. brand awareness, new market development, distribution channel optimization Key Account Management: Experience with key client/stakeholder management in the financial services, real estate and general commercial industries. Accountability & client management, SLA accountability management, client accountability management Revenue Growth and Sales: Market Penetration: B2B/B2CSales, direct sales activities tied to revenue targets. sales forecasting, sales pipeline management and revenue generation. Additionally, collaboration with teams for profitable business transactions in general commercial sphere. Sales and marketing collaboration, operational excellence, cross-functional team coordination. Sales target achievement, strategic client acquisition, pipeline development & management, lead generation capability. Experienced in strategic market analysis to identify new business opportunities, negotiation and deal closure to achieve revenue targets, and digital marketing and campaign management to boost brand visibility and lead generation. Skilled in lead generation and prospecting to build a strong sales pipeline, relationship building to foster long-term partnerships, and sales forecasting and performance analysis to refine strategies and drive profitability and financial accounting skills. Strategic Planning and Implementation: Developed and implemented multiple financial plans and budget strategies that supported respective business goals. Strategy implementation: Deloitte. Old Mutual, De Beers Marine, Engen, Remflow Systems, Controls and Compliance: Tools& systems, operating license requirements, systems and processes, internal controls, policies and procedures. Risk Management: Developed and implemented multiple risk management frameworks that identified potential financial risks, leading to enhanced overall financial stability: Remflow, Deloitte, Old Mutual. Conducted regular risk assessments and analysis, providing strategic recommendations to senior management that improved decision-making processes and ensured compliance with industry regulations. Understanding of local and international legislation. Understanding of tax regulations and standards, tax compliance and risk management. Financial Feasibility and Analysis Skills : Translating complex data into simple solutions, ensuring data quality, applying relational modeling techniques, knowledge of database concepts and design principles, understanding the software development process from design to deployment, capturing and managing large volumes of financial data, expertise in commercial and financial analytics, product and project management analytics, generating new business leads and networking, networking and relationship building, performance benchmarking, providing strategic financial recommendations, client service and professionalism, Proactivity & Adaptability: Self-motivated, proactive in identifying trends and industry innovations, adaptable to fast-paced environments, and comfortable with continuous change. Communication & Presentation: Strong ability to create compelling sales pitches, customized strategies, and present these effectively to clients. Senior relationship building, effective communication skills, relationship management proficiency, communication & engagement, negotiation and persuasion, strategic planning & execution, strategic planning execution, strategic business planning, result-driven execution, decision-making agility. Time Management, Self-Development, and Personal Effectiveness: Self-development, time management, working under pressure, decision-making, continuous improvement. Remote Working Experience: With approximately one year of experience at Remflow, I have developed a strong understanding of cross-border transactions, particularly in the UK, EMEA, and Central and North Africa. My role involved navigating complex financial landscapes, ensuring compliance with regulatory requirements, and fostering partnerships that enhanced operational efficiency. Additionally, having lived and worked in the United Kingdom for two years, I gained valuable insights into the European market dynamics and established a robust professional network that facilitated successful collaborations across various sectors. Career History 1. Remflow Remittance (UK Based cross border remittance) - Business Development Manager (September 2023 to current) - SEO, Financial,Businessplanning,Content,Multilingual,Marketing,Promotions, Newsletters, Project, Marketplace, Listings, Data, Reports, Analysis, Campaigns, Social, Content, Trends, Control Blockchain Technology Implementation: Developed and managed foreign exchange rate models in dynamic, integrated Google Sheets, optimizing daily rate offerings for [fiat-to-crypto (e.g., USDT), crypto-to-fiat conversions, and multi-token ecosystems], ensuring seamless operations across multi-currency systems. Partnership Development: Led innovative blockchain business strategies aligned with decentralized finance objectives. Established strategic alliances and joint ventures with payment service providers (PSPs), successfully closing 10 PSP deals, resulting in a 20% increase in cross-border cryptocurrency transactions. Provided tokenomics solutions, DeFi platform integration, and insights into distributed ledger technology applications. Building long-term relationships with stakeholders and fostering blockchain-focused engagement strategies. Tokenomics and DeFi Expertise: Provided deep insights into tokenomics, cryptocurrencies, decentralized finance (DeFi) platforms, and their application within revenue streams and financial models. Advanced strategies for blockchain-based stakeholder engagement. Spearheaded customer acquisition and retention initiatives using tokenized loyalty programs and blockchain-enabled marketing solutions. Regulatory Compliance: Ensured adherence to blockchain regulations, GDPR privacy laws, and jurisdictional standards for remittance platforms and digital asset security protocols. [Managed AML/KYC workflows and implemented compliance automation for crypto wallets and exchanges. Identified and mitigated security vulnerabilities within blockchain ecosystems and multi-signature wallet infrastructures. System Debugging and UX Enhancements: Conducted system analysis for bug identification and implemented UX improvements to streamline - smart contract execution, cryptocurrency, and fiat remittance processes. Developed multi-layered UI/UX solutions tailored for blockchain and DeFi platforms, enhancing accessibility and scalability. Market Research and Analysis: Researched market trends, competitor activities, and emerging opportunities in the blockchain and cryptocurrency landscape, driving innovative market positioning strategies. [Analyzed tokenized ecosystems to evaluate their impact on emerging crypto markets]. Security Frameworks: Identified vulnerabilities within blockchain systems and developed security protocols to safeguard remittance platforms and wallets. Designed zero-trust architectures and cryptographic measures for enhanced security in cross-border transactions. Revenue Optimization: Performed accurate multi-currency profitability analyses, integrating real-time interbank and parallel market rates to maximize financial outcomes. Optimized blockchain revenue streams through tokenomics-driven pricing models. Created innovative blockchain-based sales and tokenized marketing strategies, including revenue campaigns. Strategic Business Modeling: Created dynamic financial models, integrating rate adjustments for long-term forecasting, including 5-year and 10-year revenue projections and cost breakdowns. [Devised blockchain-specific business models and decentralized revenue generation frameworks]. Designed policy and procedure documentation for [Fiat-to-crypto (e.g., USDT) and Crypto-to-Fiat transactions using blockchain automation. SEO and Content Creation: Developed SEO-optimized content strategies, creating FAQs, blogs, and [multi-language tokenized guides] to enhance website rankings and user engagement. Incorporated blockchain-specific keywords for SEO, driving organic traffic. Funding Proposals: Authored six versions of Innovate UK Government funding applications, incorporating 80 pages of detailed [blockchain and DeFi financial forecasting, tokenomics strategies, and decentralized business planning]. Leadership and Team Management: Led cross-functional teams to execute crypto business strategies aligned with organizational goals, ensuring scalability and adaptability for global markets. Developed blockchain-centric policies and automated workflows]. Marketing and Stakeholder Engagement: Spearheaded innovative sales and marketing strategies, leveraging blockchain technology to create unique revenue campaigns. Enhanced brand visibility through targeted media campaigns and [crypto-community engagement initiatives. Key Achievements: Transformed a fragile startup by onboarding 150 users and securing 10 PSPs, significantly enhancing the platform's presence in the cryptocurrency ecosystem. Positioned the platform as a leader in blockchain-based remittance solutions, with a 25% uptick in adoption across key regions. Established blockchain-native security frameworks, adhering to decentralized protocols, and compliance standards. 2. Propertyand real estate tradingand selling- Companies: SEEFF Blouberg, Engel & Voelkers Blouberg, Western Seaboard Properties (Pty) Ltd, Remax Property Associates, Pam Golding Blouberg; Cape Town, South Africa, Sales Associate, (August 2010 – August 2023) Communication| Negotiation| Market Analysis | Customer Service | Persuasion | Problem Solving | Sales Techniques | Networking| Property Valuation | Presentation Skills | Legal Knowledge |Conflict Resolution |Time Management|MarketingStrategies |Research Skills Effective real estate marketing and promotion Client Liaison and Management Selling and presentation KPI driven revenue targets, lead generation, or co-marketing campaigns,  Multiple negotiation and deal closing in residential property. Property and commercial exposure to lead generation. Reason for Leaving: Offered Remflow position. 3. Entrepreneurial Ventures - Own business; Cape Town, South Africa, Broker / Owner, (July 2008 – June 2010) Financial Planning | Budget Management | Cash Flow Analysis | Revenue Forecasting | Cost Control | Investment Strategies | Profit Margins | Market Research | Brand Development | Digital Marketing |Sales Funnels | Customer Acquisition |Business Strategy | Performance Metrics | Target Audience Analysis Negotiation / Client liaison / Cashflow Management Budgeting – cost of sales and overhead management General Entrepreneurial skills/ Interpersonal skills/ HR/ Taxation Excellent interpersonal skills/ Staff Management – motivation to close sales Decision to Pursue Property Industry in Marketing and Sales arose. 4. Deloitte Consulting; Cape Town, South Africa Business Analyst, (July 2006 – June 2007) Financial Analysis |Strategic Planning|Risk Assessment|MarketEntry Strategy| Business Valuation|ClientRelationshipManagement|InvestmentAnalysis| PerformanceImprovement|OperationalEfficiency| Budgetingand Forecasting| Revenue Growth|Cash Flow Management|Cost ReductionStrategies|Financial Reporting | Regulatory Compliance | Stakeholder Engagement | Data Analytics | Project Management | Sales Strategy Development  Clients included: Engen– Client Database/ Key Indicators executive reporting / Data Analytics De Beers Marine – Budgeting Financial Services Pension Funds- Full audits Reason for Leaving: Follow my own ventures. 5. Commercial Property Development / Restaurant / Estate Agency Franchise; Cape Town, South Africa; Broker / Owner (June 2005 – June 2006) Project Management|MarketAnalysis|Feasibility Studies|Financial Modelling| Investment Strategies| Land Acquisition| Regulatory Compliance| Design Coordination | ConstructionManagement| Risk Assessment | 1. Stakeholder Engagement | cashflow Management| MarketingStrategies| SustainabilityPractices | PortfolioManagement Commercial Property Owner Key Achievement Negotiation and Closing, Contract Negotiation, Commercial Discussions, Funding Negotiation and Execution, Contracts and Commercial Agreements, Pricing Reviews, Operating License Requirements, Market Dynamics Understanding, Competitive Analysis Managed a portfolio of commercial properties, overseeing leasing agreements, tenant relations, and property maintenance. Reason for Leaving: Offered Deloitte Consulting Role 6. United Kingdom Contractual Employment Financial Accountant(Nov 2003 –May 2005) Governance | Compliance| Internal Controls| Risk Management| Financial Reporting| Audit Procedures | Data Integrity| Policy Development| Standard Operating Procedures (SOPs) | Performance Metrics| Stakeholder Communication| Regulatory Requirements| Year-End Closing | Budget Review | Variance Analysis Record | Asset Management | Corporate Governance | Process Improvement | Financial Transparency  Clients included Old Mutual PLC, Lloyds of London, AMVESCAP. Variouscontract Financial Accounting work Project Management positions Project Management, Project Implementation, Cross-functional Team Coordination, Operational Excellence, Stakeholder Engagement, Key Achievements: Created comprehensive policy and procedure documents tailored to UK and South African regulatory environments. Ensured operational compliance and provided clear procedural guidance for internal teams. Reason for Leaving: Return to South Africa 7.Old Mutual Employee Benefits Insurance Financial Controller;Cape Town, South Africa(Jan 2002 –Oct 2003) Financial Reporting | Budget Management | Cost Analysis | Regulatory Compliance | Risk Assessment | Revenue Recognition | Forecasting | Data Analysis | Cash Flow Management|Financial Audits| OperationalEfficiency|StakeholderEngagement| InvestmentManagement|PerformanceMetrics|Policy Administration|Expense Control|Variance Analysis|Strategic Planning|Employee Benefits Accounting| Financial Governance Data-driven decision making, strategic planning and target achievement, market dynamics understanding, competitive analysis, KPI Tracking. Financial Services Month end & year-end reporting deliverables. Chart of Account Maintenance on Oracle& Millennium IT systems/ Business Planning and Budgeting. Leadership skills– effective communication in team environments. Strategic analysis of the different departments in terms of structure Liaison function between internal and external auditor functions. Management of the resulting control environment. Employment of appropriate staff, development of performance contracts. Key Achievements: 1) Developed the chart of accounts for Old Mutual, leading to enhanced financial tracking and reporting. 2) Successfully led the financial restructuring of the Retirement Funds division, improving profitability by 15%. 3) Streamlined financial operations and implemented Oracle solutions to optimize processes. Reason for Leaving: Obtained UK under 27 Residency Visa 8.Deloitte & Touche Consulting SSG Division Manager – Cape Town, South Africa(Jan 2000 – Dec 2001) Financial Analysis |Strategic Planning|Risk Assessment|MarketEntry Strategy| Business Valuation|ClientRelationshipManagement|InvestmentAnalysis| PerformanceImprovement|OperationalEfficiency| Budgetingand Forecasting| Revenue Growth|Cash Flow Management|Cost ReductionStrategies|Financial Reporting|Regulatory Compliance| Stakeholder Engagement| Data Analytics| Project Management| Sales Strategy Development Oracle Implementation – COA design (Old Mutual Employee Benefits) Clients included: Board of Executors Bank. Old Mutual SA Developed Business Analysis, Project Management and IT and Leadership skills. BackOffice Reconciliation analysis. – equity sales and purchases Resolution of cash management complexities. Analysis and design of new IT systems. Reason for Leaving: Employed by Old Mutual SA 9. Deloitte & Touche EntrepreneurialServices Division (Audit) Trainee accountant (Training contract)– Cape Town, South Africa(Jan 1997 – Jan 2000) Financial Reporting|AuditingTechniques|Taxation Knowledge|Budgetingand Forecasting|RegulatoryCompliance|Risk Management|AccountingSoftware Proficiency|Data Analysis and Interpretation|Cost Accounting| Business Valuation | ManagementAccounting|Client RelationshipManagement|CommunicationSkills| Critical Thinking| Problem Solving| Attention to Detail | Time Management| Project. Management| Ethical Standards| Team Collaboration Auditing Main focus / Tax computations / Financial Statement preparations Management Report Letters / Staff Management Special Accounting Assignments/ Risk Management skills Reason for Leaving: Training Contract completed. Achievements / Accomplishments Developed the chart of accounts for Old Mutual Employee Benefits, which led to being headhunted as Financial Controller. Successfully led the financial restructuring of Old Mutual’s Retirement Funds division, increasing profitability by 15%. Transformed a fragile startup (Remflow) by onboarding 150 users, signing 10 payment service providers, and enhancing media visibility. Spearheaded strategic partnerships at Remflow, resulting in a 20% boost in cross-border transaction volume. Established and ran a successful estate agency and an antique business, owned and managed commercial properties. Concluded numerous residential property sales, building a strong track record in property transactions. Developed comprehensive policy and procedure documents for businesses in both the UK and South Africa. References Work Reference Remflow: Javed Akeeb (Remflow UX design manager) -rd Party PSP reference Consultipay: Waseem/- https://www.linkedin.com/in/waseem -sk-ally-a/ Character Reference Neighbor: Rianna and JanGerber-