MICHELLE MARSHALL

Tampa, FL

MOBILE: (813) 763-7246 seashellmis@yahoo.com

October 28, 2013 Dear Hiring Manager, The accompanying resume will illustrate the value and vision that I can bring to your organization. I hold a Masters in International Economics and Finance from Queensland University in Brisbane, Australia; which is ranked #14 in the world by The Economist 2013 rankings. During my masters, I was awarded for leading a project team to Bogota, Colombia in an improved model of humanitarianism where we trained entrepreneurs in a joint venture with a local organization (Ahmsa) and Javeriana University. In my most recent role as a Sr. Business Analyst at Wellcare, I led analytics for configuration by focusing on performance improvement, developing tools and reports to identify uncharacteristic behavior patterns in configurations data, and configuration initiatives to improve financial accuracy, reduce hold volume, systematically audit changes, and reduce SG&A. My prior responsibilities as an Accounting Information Systems Analyst at Baptist Healthcare encompass financial reporting, administering our Lawson Financial system, and creating Executive dashboards. In addition, I was a Database Administrator for Horizon Business Intelligence; which delivered drill capabilities to account and patient level detail for our executives. During my time as a Decision Science Analyst for Citigroup, I administered the financial, productivity, and exception reporting for the Pensacola call center. My responsibilities included handling special projects as well as executive level reporting. Some highlights of my background include: Overseeing the reporting functions for a collection center of 250 employees, and designing reports that led to process changes that improved financial metrics. Comprehensive understanding of Contract Interpretation, Payment Methodology, and External Pricer inputs for Institutional facilities. Decision tree and predictive strategy management experience implementing Experians Pro be across 2000 branches and 5 regional centers. Scored customer accounts based on key performance drivers which in turn allowed us to focus our efforts on accounts with the highest propensity to pay and align our loss forecasting numbers according to goals.

Spearheaded the configuration changes for Contractual Flat Rate, which resulted in eliminating 8,000 holds per month and a net savings of $317K monthly from volume reduction. Further improved financial accuracy by cleaning up Florida LOB in the process by identifying hundreds of configuration issues resulting in a significant cost savings.
Extensive P&L knowledge, data modeling, and analysis to design and manage enterprise solutions to organizational problems. Conducted business process design and information flow optimization projects focused on improving KPIs to drive cost reductions. I would greatly appreciate the opportunity to discuss how my background and skills would enable me to contribute to your company. I can be reached at 813-763-7246 or Seashellmis@yahoo.com. Thank you in advance for your time and consideration. Best regards,

Michelle Marshall

MICHELLE MARSHALL
Tampa, FL

MOBILE: (813) 763-7246 seashellmis@yahoo.com

Senior Financial and Business Analyst Professional

Business Analysis | Risk Strategy | Project Management
Dynamic corporate leader with extensive financial, healthcare, operations, collections, and data analysis. Proven ability in project management, business analysis, and managing financial and healthcare data. Strategic thinker who can plan and implement business initiatives to support corporate objectives. Ambitious, aggressive, and intensely focused on bottom-line results. Over 10 years in business analysis and 5 years in healthcare experience.

Areas of Focus During Masters Capital Markets | International Trade | Monetary Policy | Investment Tactics | Risk Derivatives | Due Diligence | Valuation | Financial Modeling | Econometrics Statistical Analysis | Securitization | Arbitrage | Hedging
QUALIFICATION HIGHLIGHTS Managed informatics for Institutional configurations accounting for approximately 64% of the companys 6 billion annual premium revenue in Medicare and Medicaid. Administered financial, productivity, and exception reporting for a center of 250 employees. Extensive experiences in financial statement and ratio analysis, corporate accounting, database development, campaign and strategy management, and business intelligence. Decision tree and predictive strategy management experience implementing Experians Probe across 2000 branches and 5 regional centers. Cross-functional business lead with excellent root-cause analysis. PROFESSIONAL EXPERIENCE WELLCARE, Tampa, FL 11/2008 3/2012

Senior Business Analyst / Project Manager Manage the informatics for Institutional configurations which accounts for 64% of the companys 6 billion annual premium revenue. Develop tools and reports to identify uncharacteristic behavior patterns in configurations data to increase quality and reduce provider abrasion. Lead configuration initiatives to improve financial accuracy, reduce hold volume, systematically audit changes, and reduce SG&A. Improved compliance and SOX initiatives by designing key metrics and quality checks with data mining analysis. Created quarterly deck for Directors meeting, feasibility studies for projects, and streamlining processes for all of configurations. Designed PreAudit database that facilitates provider loads by utilizing built-in logic checking for common errors and visually displaying like data together. Spearheaded the configuration changes for Contractual Flat Rate; which resulted in eliminating 8,000 holds per month and a net savings of $317K from volume reduction. Identified hundreds of configuration errors during implementing the project; dramatically improving our financial accuracy. Developed statistical reporting metrics to capture outliers within our Med Def Utilization when volume would fall outside 2 standard deviations of the norm. Designed to mitigate systemic risk of pricing and configuration errors. Managed DCR initiative to give us a competitive advantage, reduce overhead, and allow our division to focus more on core processes. Analyzed and tested the integrity of our DCR processes in order to detect deviations in design. Made recommendations to prevent confusing documentation, capture analytics in volume by queue and cost per DCR. Implemented NY APG Pricer by creating the crosswalk from Medicaid #s to provider contracts, created flow chart, designed naming convention and ordering, validated pricing, facility loads, and tested APG Value codes and amounts. Without detailed documentation determined the way to manually price claims in order to validate the pricer. Eliminating the APG hold, resulted in a volume reduction of 4,350 claims per month. Mentor team members through project implementation activities, and provide opportunities to develop new skills as appropriate.

MICHELLE MARSHALL BAPTIST HEALTH CARE, Pensacola, FL

PAGE TWO 1/2007 7/2008

Corporate Accounting Information Systems Business Analyst Prepare and distribute consolidated financial statements for all of Baptist Health Cares entities and 5500 employees. Administer our Lawson Enterprise Financial Management system. Responsible for managing the training of new hires, providing guidance and direction to the accounting and finance staff, and solving problems relating to AP, Cash, Asset and Activities, GL, Intercompany, Interfaces, and Excel. Set up new Accounting Units, Companies, close subsystems & GL within Lawson. Maintain chart of accounts, hierarchy of companies. Produced adhoc reports for management, Wellspring, and E&Y auditors using complex excel-based processes. Uploaded and reconciled budgets to Lawson from flat file created from Business Objects. Created trend analysis of turnaround time for accounts payable. Developed automated Net and Operating Income by Market Segment for VP of Finance to deliver in monthly close meeting. Produced monthly capital encumbrance, voucher, responsibility, materials/issues, and actual transaction expense reports for all of BHCs management. Led team of users in UAT for conversion to Lawson 9.0 Environment. Drove Business Process Reengineering by creating Executive Dashboards utilizing Horizon Business Intelligence

CITIGROUP, formerly Washington Mutual Finance, Pensacola, FL

11/2002 12/2006

Decision Science Analyst (Performance Engineer) 2004 2006 Analyzed the MIS and Reporting for Citifinancial Branch Network, Private Label, Branch Real Estate, and Home Equity portfolios for Default Operations in order to reduce roll rates and improve loss mitigation. Strategized with management team to define project requirements and translate business objectives into tactical plans. Developed ad hoc, daily, and monthly financial reports utilizing SQL and Excel. Looked for ways to improve operations and automate existing processes. Division was charged with reducing realized losses over a billion dollars. Designed and implemented comprehensive reports for management; which resulted in process changes that increased collector productivity and significantly decreased delinquencies. Trained managers to utilize different applications such as Cognos BI Solutions, to update and interpret their teams productivity numbers, pivot tables, excel formulas. Conducted variance analysis for goals, collector productivity, and contact intensity. Streamlined processes by designing and implementing Access Project databases to track consumer credit counseling proposals, misdirected payments, fraudulent activity. Reconciled capacity plan vs. finance, budgets, data element calculations. Redesigned reports to increase scalability across all four U.S. sites. Develop and deploy strategies to reduce realized losses. Decision Science Analyst - Probe Project / Risk Strategy (Triads competitor) 2004 2006 Devoted approximately 50% of time to credit risk project providing behavioral scoring and sophisticated segmentation and analytics. Worked on all facets of project: from developing the collection strategy, to user acceptance testing, to importing and analyzing the data across multiple platforms to ensure its accuracy. The scope of the project comprised 5 regional centers and 2000 branches. Implemented business initiatives through managing the technical resources. Contribution led to minimized execution risk and 0% downtime during installation with all business needs met. Created and tested scorecard distribution vs. Credit Risk to ensure the accuracy of account placement. Performed volume and regression testing of results. Used Decision tree and predictive response models to set the management strategy with Champion vs. Challenger analysis. Led conference calls during Project Managers absence. Credit Analyst National Approval Center 2002 2004

MICHELLE MARSHALL

PAGE THREE

EDUCATION University of Queensland, Brisbane, Australia World Ranking #14 by The Economist Master in International Economics and Finance Selected to Participate in Project in Bogota, Colombia Award: Leading a Project Team in Bogota, Colombia University of West Florida, Pensacola, FL BSBA in Management Information Systems Minor in Management GPA: 3.4/4.0 Gamma Beta Phi National Honor Society Delta Sigma Pi Professional Business Fraternity

TECHNICAL EXPERTISE PMP Software Expertise in SDLC (Systems Development Life Cycle), Mapping ER Diagrams to Relational Databases, Developing System Specs, Documenting Process Flows E-views (Econometric Views), SAS EG, Toad for Data Analyst (Oracle), Xcelys (Peradigm) Microsoft Office: Project, Visio, Access, PowerPoint, Word Excel (PivotTables, Vlookups, Dsums, Macros, If Statements) Lawson Financial Software, Lawson Business Intelligence, Crystal Reports, McKessons Horizon Business Intelligence, Business Objects Budget Advisor SQL Server, DTS, Cognos Impromptu, Translator, & Powerplay CACS, CMS, Action, Probe Strategy Management (Triads Competitor) SAS, Oracle SQL, T-SQL, Visual Basic 6.0, VB.Net

Languages

Masters in International Economics and Finance University of Queensland

Economics of Financial Markets

The course will examine how financial markets and financial institutions channel funds from savers to entities in need of funding, the specific role of different financial instruments in financing of the economy, how they are priced, the inherent fragility of the financial system through systemic risk and the influence of the financial regulators and the central banks on the financial structure. We will explain financial structure of businesses' external financing within an asymmetric information framework, asset pricing through arbitrage theory, interest rate formation through the demand-supply framework of loanable funds, the implementation of monetary policy within a reserve model. Specific topics also covered: Securitization and the very complex structured products; Repos; Shortselling; Subprime mortgage crisis and its propagation; Post-crisis new financial regulation including Basal III requirements (RWA) , funds transfer pricing (FTP), liquidity risk; Asset bubbles; Quantitative easing; European debt crisis.

Financial Risk Management

Ran a simulation analysis (4 Qtr. game) assuming the role of corporate/central treasury to manage a portfolio of fixed income securities and calculate the necessary funding requirements for government authorities. The management of interest rate risk is the focus and reviewing exposures to formulate a strategy based on economic scenarios. Established view on the direction rates will move in the coming quarter. Decided target duration and set deals to achieve strategy by issuing/redeeming bonds/commercial paper, deciding which swaps/futures, and whether to hedge future commodity and foreign currency exposures. Manage liabilities to generate the lowest borrowing costs subject to certain constraints. Paying close attention to credit risk and widen/shrinking swap spreads. Each quarter managed portfolio and client cash flows.

Portfolio Management
Develop an understanding of the measurement of risk and the pricing of equity (i.e. shares) securities using well known asset-pricing models (e.g., CAPM, APT, Fama & French). Examine various equity valuation models commonly employed in the markets today (e.g., DDM, PE, FCF). Evaluate empirical evidence on market efficiency and foresee implications for portfolio management. Analyse the various macro and industry specific characteristics that impact on company valuations and our financial markets. Develop a theoretical and practical understanding surrounding the performance of managed investments and the various performance evaluation methods commonly employed in the market today.

International Financial Management

The course extends financial decision-making to the international setting. Topics include the (FX) foreign exchange market, predicting exchange rate movements, hedging exposures with various derivative and other alternatives (ETD & OTC), the GFC and the current European events as well as the challenges of raising funds internationally and the process and documents of international trade (Counter Party Clearing / CCP, Letters of Credit (L/C), Draft, & Bill of Lading. Measuring the risks and cost for unhedged positions vs. money market hedges, futures, and options and making recommendations regarding the best alternative. Strategies to using Cross Currency Swaps, Interest Rate Swaps, and Triangular Arbitrage.

Entrepreneurship and Ventures

Recognizing, evaluating and exploiting new business opportunities, thinking outside the box to produce new and better solutions to problems, breaking new ground away from the mainstream way of doing things, and packaging things in a business model that makes money to keep financing the venture. Selected as one of 4 students to lead a social entrepreneurship project in Bogota, Colombia as an improved model of humanitarianism. I proposed the creation of an entrepreneurship competition and training workshops. Both of which were implemented during our week in Bogota, Colombia. We utilized Osterwalders Business Model Generation and Canvas for expanding the skillsets of our selected entrepreneurs. In order to bridge the gap between local businesses and the entrepreneurs a closing ceremony was commenced as a charity event and monetary awards were given to the best teams. During the project we also had the dual objective of strengthen UQs international presence and creating a collaborative effort between Javeriana University and UQ in entrepreneurship.

Advanced Corporate Finance

Evaluate whether a proposed corporate transaction is in the best interests of the firms owners. Perform a discounted cash flow valuation and analyse its sensitivity to alternative assumptions underlying its cash flows and discount rate. Estimate a firms weighted average cost of capital. Understand the relationship between information and security prices in competitive financial markets. Be able to critically analyse the relation between capital structure, payout policy, the cost of capital and value. Analyse the impact of various risk management policies using forward, futures and options contracts on a firms cash flows; and estimate the intrinsic value of those contracts. Understand the processes involved in mergers and acquisitions, and evaluate the value creating potential of a specific transaction. Identify sectors and groupings of companies that might be viable business targets. Critically evaluate reasons to acquire (Synergies, Diversification, EPS Growth, and Managerial Motives) and model the different methods in mergers such as cash, stock-swaps, and leveraged buyout. Proper due diligence and financial/valuation modelling is key.

Econometrics
Econometrics deals with measurement of economic phenomena (and making related predictions) using statistical methods. Topics covered include: Economic models & role of econometrics, linear regression (Simple & Multiple), hypothesis testing, specification testing, dummy variables, simple dynamic models and simple cointegration models, panel data, testing for misspecification and autocorrelated errors, identifying multicollinearity, estimating models with heteroskedastic errors, nonstationary time series data, and computing marginal responses and elasticity from models with non-linear variables.

International Trade and Investment

Survey recent advances in foreign trade & investment topics. Topics include: trade theory & policy, international factor movement, theories of international investment & contemporary trade & investment issues, World Trade, the Gravity Model, The Ricardian Model, Comparative Advantage & Income Distribution, The Standard Trade Model, Economies of Scale and International location of production, Firms in the global economy, Trade Policy Instruments

Microeconomics for Business

Topics covered include: Theory of supply & demand, resource allocation. Theory of consumer behaviour & market demand, production & cost theory, price & output of firms under conditions of perfect & imperfect competition; distribution theory; welfare economics.

Statistics for Business & Economics

Statistical inference, probability & sampling distributions, estimation, hypothesis tests, correlation & regression, experimental design, sample survey design, quality sampling, modern business decision theory, time series analysis and chi square tests.

Macroeconomics for Business

Measures of Economic Activity: GDP, Inflation, Economic Indicators. Modelling the macroeconomy and analysing equilibrium in the goods market and loanable funds market. Topics: Solow-Swan growth model, Golden rule and Optimal Investment, Endogenous growth theories. Institutional Governance, Money Supply, Quantity Theory of Money, Trade and Capital Flows, Business Cycle, IS-LM Modelling and Analysis, etc.

International Monetary Economics

Theoretical topics on exchange rate behaviour & management, current account determination, international capital mobility, effectiveness of fiscal & monetary policies in open economies & select international macroeconomic policy issues. The models discussed highlight mechanisms through which domestic monetary and fiscal policies may affect exchange rates, interest rates, output and inflation. Researched and analyzed how global macroeconomic imbalances contribute to The GFC, The Euro Crisis, and The Asian Currency/Financial Crisis of 1997 .