Melissa Hovell
@melissahovell
I strengthen financial reporting, cash flow, compliance, and risk decisions across financial institutions.
Trinidad and TobagoWhat I'm looking for
I'm currently executing monthly financial close, financial statements, board reporting, KPI analysis, and budgeting at JMMB Bank.
Previously, I managed an accounting team of four at PSCU Credit Union Co-operative Society, improving month-end reporting, trial balance accuracy, cash flow reporting, and fixed asset oversight.
At Guardian Life of the Caribbean, I led a remediation project that reduced suspense accounts by 50% while supporting audit compliance and operational cost savings.
My background also includes pension administration, pension-fund reconciliations, IPO coordination, share transfers, dividend processing, and broker relations at Royal Bank. I'm pursuing Credit Risk Management certification to deepen my credit evaluation and risk mitigation capabilities.
Experience
Work history, roles, and key accomplishments
Senior Financial Analyst
JMMB Bank
Dec 2024 - Present (1 year 9 months)
Executes monthly financial close, prepares financial statements and board reporting, and coordinates budgeting and statutory audits.
Accounts Supervisor
PSCU Credit Union Co-operative Society
Apr 2021 - Nov 2024 (3 years 7 months)
Managed a four-member accounting team, oversaw fixed-asset records, and led finance-process improvements to enhance efficiency and compliance.
Manager (Ag.) – Premium Accounting & Remediation
Guardian Life of the Caribbean
Oct 2017 - Jul 2020 (2 years 9 months)
Led a premium-accounting remediation initiative that reduced suspense-account balances by 50% and strengthened controls and audit compliance.
Senior Employee Benefits Officer
Royal Bank
Jan 2006 - Apr 2012 (6 years 3 months)
Managed group-pension administration, prepared statutory NIS and Health Surcharge reports, and performed due diligence and reconciliation of pension-fund data.
Officer in Charge – Registrar Department
Royal Bank
Feb 2000 - Apr 2006 (6 years 2 months)
Led operational activities for the Guardian Life IPO, managed share transfers, dividend processing, and broker relationships within the registrar function.
Education
Degrees, certifications, and relevant coursework
New York Institute of Finance
Certification, Credit Risk Management
Currently pursuing a certification in Credit Risk Management: Frameworks and Strategies.
New York Institute of Finance
Certificate, Credit Risk Management
Currently pursuing a certificate in Credit Risk Management: Frameworks and Strategies.
New York Institute of Finance
Credit Risk Management: Frameworks and Strategies, Credit Risk Management
In-progress course on Credit Risk Management: Frameworks and Strategies.
Anglia Ruskin University
Master of Business Administration, Business Administration and Management
Pursued an MBA in Business Administration and Management with a focus on FinTech and Big Data Analytics.
University of Anglia Ruskin
Master of Business Administration, Business Administration and Management
Pursued an MBA in Business Administration and Management with a focus on FinTech and Big Data Analytics.
Anglia Ruskin University
MBA, Business Administration and Management
MBA in Business Administration and Management with a specialization in FinTech & Big Data Analytics.
Tech stack
Software and tools used professionally
Availability
Location
Trinidad and TobagoAuthorized to work in
Job categories
Skills
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