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Carmela Formosa

@carmelaformosa

Finance professional at Deloitte, managing financial bids, proposals and models for government and public-sector clients.

United Kingdom
Message

At Deloitte, I work with government ministries and public-sector organisations, including the Ministries for Health and Education and the National Skills Council. I manage financial bids and proposals from initial concept through final submission, structuring commercial offers and developing supporting financial models.

At Eastern Credit, I supported assessments of business performance, due diligence, risk and creditworthiness for lending decisions. I also analysed and organised financial information in Excel and helped prepare lending documents and records.

At Jay Jays, I maintain financial records, support budgeting and payment processing, and reconcile cash and card transactions. As an independent travel agent with Inteletravel, I analyse client budgets and supplier prices, prepare quotations, and manage bookings and payments.

Experience

Work history, roles, and key accomplishments

DE
Current

Strategy, Risk & Transactions Senior

Jun 2026 - Present (4 months)

Working with government ministries and public-sector organisations, managing the full financial bid and proposal process from initial concept through to final submission, including structuring commercial offers and developing supporting financial models. Preparing project budgets and providing strategic advice on transactions, business planning and financial strategy.

Inteletravel logoIN
Current

Independent Travel Agent

Inteletravel

Jan 2023 - Present (3 years 9 months)

Analyse client budgets and supplier prices to create cost-effective travel packages. Prepare quotations and manage bookings, payments and commissions accurately, and reconcile supplier invoices and resolve payment or booking discrepancies.

JJ
Current

Business Manager / Administration Assistant

Jay Jays

Jan 2021 - Present (5 years 9 months)

Calculate weekly timesheets, wages and holiday pay, ensuring accurate payroll records. Reconcile daily cash and card transactions against takings, stock and floats, and maintain financial records and assist management with budgeting and payment processing.

The London Institute of Banking and Finance logoTF

Triple University Scholar

The London Institute of Banking and Finance

Jan 2023 - Jan 2026 (3 years)

Awarded Norfolk (County) Scholarship for intellectual excellence, Diploma in Financial Studies Scholarship, and Certificate in Financial Studies Scholarship at LIBF for outstanding academics.

JB

Senior Hospitality Manager

Jay Jays @ the Beach

Jan 2017 - Jan 2026 (9 years)

Handled high volumes of cash and card transactions accurately using iPOS systems. Supported stock control and maintained efficient service during busy periods, developing strong commercial awareness through customer service, sales and daily business operations.

EC

Finance Internship

Eastern Credit

Sep 2022 - Jan 2023 (4 months)

Supported the assessment of businesses' financial performance, due diligence, risk assessments and creditworthiness to inform lending decisions. Analysed and organised financial information using Excel, producing clear summaries and presentations for internal use.

InvestIN Education UCL logoIU

Young Investment Banker Experience

InvestIN Education UCL

Jan 2022 - Dec 2022 (11 months)

Developed an understanding of investment banking, including sales, trading, research and financial markets. Used live trading platforms to analyse market movements and make time-sensitive investment decisions.

The London Institute of Banking and Finance logoTF

London Financial Summer School

The London Institute of Banking and Finance

Jan 2022 - Dec 2022 (11 months)

Completed practical workshops covering banking, financial markets and investment decision-making. Used live trading platforms, including AmplifyME and ReTrader, to evaluate market information and respond to realistic financial scenarios.

Education

Degrees, certifications, and relevant coursework

The London Institute of Banking and Finance logoTF

The London Institute of Banking and Finance

Bachelor of Science, Finance and Banking

2023 - 2026

Bachelor of Science in Finance and Banking with relevant studies in investment banking, international finance, quantitative techniques, derivatives and regulation, and banking law and ethics.

EF

East Norfolk Sixth Form

A-Level, A-Levels

2021 - 2023

A-Levels in Financial Studies (A), Criminology (A), and Business Studies (C).

NG

Norwich High School for Girls

GCSE, GCSE

2019 - 2021

Completed 10 GCSEs including Maths and English.

Tech stack

Software and tools used professionally

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