About

Results-driven finance and treasury professional with 17+ years of experience spanning global cash management, treasury operations, financial services, and client relationship management. Expertise in daily liquidity management, cash forecasting, banking relationship oversight, wire and ACH processing, reconciliation, regulatory compliance, and operational process improvement. Proven ability to manage high-value transactions exceeding $1B, optimize cash positioning strategies, and deliver executive-level reporting and presentations. Recognized for building efficient operational workflows, strengthening internal controls, leading cross-functional initiatives, and developing high-performing teams. Bilingual in English and Spanish, with advanced proficiency in treasury systems including Kyriba, Oracle, Bloomberg, and Microsoft Office Suite.

Skills

  • Financial analysis and reporting
    5
  • Planning Budgeting & Forecasting
    5
  • Treasury Management
    8
  • Compliance and Regulatory Knowledge
    5
  • Process Improvement
    7
  • Stakeholder engagement
    5
  • Banking Operations & Customer Service
    9
  • supervision and staff management
    5
  • English
    10
  • Spanish
    10

Experience

Carmen Minthorne

Work experience
  • Manage daily global cash positioning across 384 bank accounts in 37 countries, ensuring optimal liquidity allocation, operational funding, and strategic visibility across domestic and international entities.
  • Execute and oversee high-value wire transfers, ACH payments, intercompany funding, and short-term investments exceeding $1–$2B, maintaining strict compliance with governance controls.
  • Develop short-term and medium-range liquidity forecasts to support capital deployment, investment strategy, debt planning, and operational funding needs.
  • Prepare executive treasury dashboards, board-ready reporting, cash flow analysis, and forecasting presentations for treasury leadership and senior executives.
  • Manage concentration structures, zero-balance accounts, and cash pooling strategies to maximize operational efficiency and reduce idle cash.
  • Lead quarterly review of financial institutions including credit ratings, asset strength, counterparty exposure, and treasury risk positioning.
  • Partner with Accounting, FP&A, Tax, Payroll, AP, AR, and international finance teams on treasury-related strategic initiatives.
  • Drive treasury modernization initiatives leveraging Kyriba, automation tools, reporting enhancements, and workflow redesign.
  • Develop and strengthen treasury policies, operating procedures, internal controls, and audit readiness documentation.
  • Identify operational efficiencies that improve forecasting accuracy, reduce processing risk, and strengthen cash visibility enterprise-wide.

Carmen Minthorne

Work experience
  • Managed high-volume financial transactions, payment reconciliation, and cash posting operations supporting retirement plan administration with strong emphasis on accuracy, compliance, and financial controls.
  • Conducted detailed variance analysis and resolved funding discrepancies through coordination with financial institutions, employers, sponsors, and participants.
  • Performed quality assurance reviews on payment activity to ensure accounting integrity, operational accuracy, and adherence to internal controls.
  • Developed standardized operating procedures, workflow documentation, and internal controls that improved efficiency, reduced risk, and strengthened audit readiness.
  • Supported cross-functional operational initiatives focused on process optimization, reporting enhancements, and service delivery improvement.

Carmen Minthorne

Work experience
  • Managed complex participant-level retirement transactions including enrollments, fund allocations, beneficiary maintenance, account updates, and operational servicing with high accuracy standards.
  • Served as primary relationship point for internal and external stakeholders, strengthening trust through responsive service, issue resolution, and operational transparency.
  • Led onboarding and operational training initiatives that improved staff readiness, process consistency, and team performance.
  • Developed bilingual (English/Spanish) communications and service materials that improved accessibility and engagement for diverse client populations.
  • Identified workflow inefficiencies and partnered on process improvement initiatives that enhanced service quality and operational effectiveness.
  • Recipient of the Presidential Award, the company’s highest employee recognition, for exceptional performance and leadership contribution.

Carmen Minthorne

Education

Carmen Minthorne

Work experience
  • Provided investment servicing, account maintenance, transaction support, and participant education across retirement products while ensuring regulatory and operational compliance.
  • Built strong client relationships through proactive problem-solving, financial guidance, and service excellence.
  • Supported Spanish-speaking participants, expanding service accessibility and improving customer satisfaction outcomes.
  • Earned multiple awards for customer service excellence and development of operational training programs.
  • Supported financial planning initiatives through market research, participant education campaigns, demographic analysis, and strategic communication development.
  • Produced reporting materials, departmental procedures, surveys, and operational tracking documents that improved business planning and program execution.
  • Coordinated educational workshops, outreach initiatives, and employee engagement programs supporting broader organizational goals.

Carmen Minthorne

Education
  • August, 2003 - December, 2007
  • Fulltime