1. CURRICULUM VITAE
Miriam Hassan
PERSONAL DETAILS:
Name: MiriamHassan
Email: miriamhassan@gmail.com
Physical Address: Greenhaven, Upper Seaview Road, Chelsea PE
Contact number: 0836774895
Gender: Female
Identification number: 5805220061086
Has driving licence and own transport: Yes
Employment Equity: Indian
Job Preference Position: CFO or Financial Manager
Type: Permanent or Contract
Industry: Finance,Banking, Insuranceor Industrial
Availability: Immediate
Area: Anywhere in PE
Willing to relocate nationally &internationally: Yes
LinkedIn Profile: za.linkedin.com/pub/miriam-hassan/3a/453/18b/
QUALIFICATIONS:
Credit and Financial Management Year completed: 2003
Education level: Diploma
Institution:University of Stellenbosch Location:Stellenbosch, SA
MBA/JMDP Joint Management Development Program
Year completed: 1994 Education level: Equivalentto Masters
Majored in: Business Administration
Institution:French Bank Business School & CCIP (Chamber of Commerce &Industry Paris)
Skills Competency Experience
MicrosoftOffice(ALL Modules) Extensive Over 10 years
SAP - Accounting Extensive 5- 10 years
Accpac – Sage - ERP 300 Extensive 5 - 10 years
Pastel Evolution Extensive Over 10 years
Quick Books & Turbo Cash Extensive 5 - 10 years
COMPETENCIES:
Relating,networking, persuading& influencingand formulatingstrategies and concepts
Applyingexpertise and technology
Adhering to principles and values
Leading, supervising,decidingand initiatingaction
Presenting and communicatinginformation

2. SUMMARY:
I have over 25 years of extensive financial experiencein draftingannual financial statements,Forensic and Internal Auditing and
Monitoringand Evaluation of Projects,workingin 13 different countries namely 6 EastAfrican,Ghana, DRC, Geneva, Mauritius ,
Mozambique, Malaysia and Papua New Guinea. I have strong analytical skillsand the capacity to think strategically and
communicate clearly.I am a team player with sound judgement, ethical behaviour,initiative,driveand the ability to work under
pressureand meet deadlines.
I have worked for the United Nations (UNOPS) and for USAID, totalling9 years and 7 years with my most recent employer, a
Section 21 Company and Short Term Insurer,The Home Loan Guarantee Company (HLGC) who provides Collateral Replacement
Indemnity (CRI) to Local Mortgage Bond Providers (Banks) for the lower income borrowers and HIV education and treatment via
our subsidiary Housingfor HIV. Prior to this I worked for Air Liquide(manufacturer of Medical & Industrial Gases) for 9 years as
the Group Financial Controller and other positions.
CAREER HIGHLIGHTS: - Travelled and lived in 13 different countries and learntvarious financial regulations and
cultures.
1. Acquired the ability to adapt into various working environments for longperiods of time.
2. Performed various negotiations with the Mauritian Regulators, and subsequent successful registration of three GBC1
(Global Business Companies) Insuranceand Re-insuranceCompanies in Mauritius.
3. Building a sound relationship with the influential peopleand shakeholder including,theFinancial Services Board
(FSB)/Regulators, South African Reserve Bank (SARB), Commissioners and Officials of atleast13 differentcountries.
4. Obtained extensive trainingfromKPMG’s Short Term Specialists relatingto the implementation of Solvency Assessment
Management (SAM) and IFRS
5. Review year end files for 7 companies and draft annual financial statements includingconsolidation of multi currencies’.
6. Liaiseand prepareAudits for 7 companies in the group and reduced auditfees by 43% the firstyear at HLGC.
7. Implemented Risk Management Assessment and a toolbox for the group as required by the regulator.
8. Conducted reviews and analysis of the balance sheet for all subs.quarterly,bi-annual and annual
9. Dealt with investment portfolios up to the value of 500 million USD.
10. Implement the conversion of SA GAAP & UK GAAP to International Financial ReportingStandards (IFRS) and comply with
the new Companies Act (King III) within 7 companies in the Group.
11. Reported to the Guernsey Regulator Compliance (Basel II & III)
12. Education & Treatment for HIV through subsidiary Housing for HIV
13. Reduced Accounts Receivable book of 980 million, from 18% to 1.62% (DSO of 33days)
14. Brought Accounts Payable book of 780 million from 32% POT to 87% POT
15. Change Management, Flow Charts, creating SOP’s, Knowledge Transfer & Hyper-care
16. Feasibility study,recruiting,establishingand reg. of Local & Economic Development Agencies (LEDA) in 4 provinces (UN)

3. WORK HISTORY:
Financial Services Manager – Mondelez International (September 2014 – Current)
 Supervision of Financeservices team (30 staff members)
 Implement and ensure complianceto company policies and procedures
 Ensure compliancewith the Reserve Bank requirements
 IndirectTax Management (VAT returns and compliance)
 Review BalanceSheet & P&L
 Manage Shared Services indirectexpenses
 Contract and forecastpreparation
 Management of Accounts Payableteam book of 780MM
 Management of Accounts ReceivableTeam Debtors book 980MM
 Credit management and CreditApproval
 Monitor and manage compliancecontrols for shared services
 Trade debtor’s insolvency insuranceand bad debt management
 Treasury Function and working Capital Management
 Support the treasury function includingbutnot limited to ensuringall cash books arecaptured,Bank relationships
maintained,GTS reporting, Forex payments, SAP rate loading,bank administration e.g. correct signatories and opening
and closingaccounts,managingguarantees and Company creditcards
 All function for Foreign Exchange and Reserve Bank Applications
 Change Management (outsourcing),Work Flows,Knowledge Transfer & Hyper-care
Reason for seeking employment: Company is outsourcing all Financial Service functions to Genpact & Accenture
Financial Manager/Head of Treasury: Clicks Direct Medicines July 2013 to September 2014
 Supervision of Accounting, Debtors, Creditors,Dispensary and Treasury Departments (87 staff members)
 All strategic planningand Investments of excess funds
 Liaison with Reserve Bank and High End Investment Bankers
 Present weekly managements reports to EXCO.
 Review, approve and releasemonthly Creditor’s payments.
 Review balancesheet & income statement monthly, and present to the Board of Directors.
 Liaisewith Pharmaceutical Suppliers for Data Fees and Other Professional Income.
 Supervisor and oversee stock take on a quarterly basis.
 Responsiblefor all Statutory Returns such as Vat, PAYE, Company’s Income Tax returns.
 Preparation for Financial year–end for both Internal & External Audits
 Draftingannual Financial Statements
 Liaison with Internal and External Auditors Quarterly,Bi - annually and Annually.
 Responsiblefor all Financial and HRfunctions
 High Level Negotiations with the regulatory officials

4. EXECUTIVE ASSOCIATE: INTERAFRICA CONSULTANTS July 2012- June 2013
PROJECTS DEVELOPED
SMALL BUSINESS AND FINANCE DEVELOPMENT
 Small Enterpriseand Human Development Program (SEHD) in South Africa
 Small Enterpriseand Human Development Program (SEHD) in Angola
LOCAL and International ECONOMIC AND FINANCIAL DEVELOPMENT
 Establishmentof 4 Local Economic Development Agencies (LEDAS) in four provinces in South Africa plus a financial
facility
 Establishmentof 4 local Economic Development Agencies (LEDAS) in Angola plus a financial facility
 mainstreamingtrade into the development agendas of the Least Developed Countries (LDCs)
PROJECTS IN THE PIPELINE
 Exploringemployment and business potentials in thetownships in SA
 Coachingwomen in businesses in SA
 Mainstreamingthe New Growth Path Framework into delivery actions and results
OUR TEAM
EXECUTIVE DIRECTOR
 Dr. Jairo Morales-Nieto, Ph.D. in Economics (Doktor in Wirtschaftswissenschaften) fromthe University of Muenster,
Germany. He specialized in the fields of Development Economics,Economic Policy,Agricultural and Regional Economic
Theory and Policy.He has worked for the United Nations for more than 25 years as high level chief technical and policy
advisor.He has extensively consultancy experiencein assistinga number of developing countries in Latin America, Asia,
Africa and Europe he is also the author of numerous books and papers on economics development and economic
policy.
EXECUTIVE ASSOCIATE
 Ms Miriam Hassan, South African citizen.MBA Management Development, French Bank Business and Chamber of
Commerce and Industries Paris(CCIP) CreditManagement and Micro Financeat Stellenbosch University.Extensive
working experience with the United Nations and USAID during9 years in South Africa as Financial and Management
Officer of several development programmes includinginternational consultancies on behalf of UNOPS. Her most recent
job was performed from 2005 until 2011 as the General Manager – Financeof the Home Loan Guarantee Group based
in Johannesburg. I have also gained commendable experience in assistingthesmall businesssector in many fields such
as research and analysis,businesscoachingand training,businessnetworkingand capacity building.
Reason for seeking fulltime employment, is to establish a more stable monthly income.

5. HEAD OF FINANCE & TREASURY: HOME LOAN GUARANTEE COMPANY
Period: May 2005 to Jul 2012
Type of employment: Permanent
Location: Johannesburg, South Africa
DUTIES AND RESPONSIBILITIES
 Conversion from SA GAAP to IFRS (International Financial ReportingStandards)
 Implement new accountingpolicies and procedures to be compliantwith IFRS.
 Feasibility study to go into African and other countries such as Botswana,Malawi,Kenya, Ghana , DRC, Egypt, Uganda,
Tanzania,Mauritius,Papua NewGuinea and Switzerland.
 High End liaison with Investment Banks and Reserve Bank
 Managed an Investment Portfolio to the Value of US$ 250 - 430 million viadifferentInvestment Management Companies.
 Marketing, building capacity and good relations with serviceproviders (Banks & Insurers),regulators and commissionersin
all of the above mentioned countries, this required spendingan average of 4-6 months in each country.
 Some of the institutes were Ghana Union Assurance, NICO in Malawi and British American in Kenya,Kenya Commercial
Bank, Commercial Bank of Africa,BarclaysBank and Bank of Mauritius.
 Due diligenceperformed at the above mentioned companies.
 Implemented and applied Solvency II and Basel III regulationsto Overseas Subsidiaries.
 Established and registered 3 Companies namely Home FinanceGuarantor Africa Insurance(HFGA), Home FinanceInsurance
Risk Management Co (HFGA-IM) and (HFGA- RE) Reinsurancein Mauritius to enableHLGC to write business in African
Countries that has TT.
 Implemented HR Policies and Procedures and oversee Payroll functions
 All Payroll related negotiations and Trustee to the Provident Fund
 Managed and co-ordinated annual audits.
 Monitoring & Evaluation of all on - going projects to completion.
 Adhere to all PFMA regulations and develop Business Intelligence Reports.
 Prepare and draft 7 Annual Financial Statements for subsidiaries and company in multi - currencies and conversions.
 Prepare and present monthly Board Pack to the Board of Directors
 Present draftannual financial statements to Board
 High Level Negotiations with the Financial Services Board and the Reserve Bank
 Meet all statutory requirements
 Prepare and submit ST Returns to FSB (Financial Services Board)
 Prepare and submit Statistic returns to SARB (South African Reserve Bank)
 Interact with captivemanagers in Guernsey and ensure that monthly reports are submitted within the strictdeadlines
 Prepare Budgets for all 7 companies within the Group and present to the various Board for approval
 Ensure Performance Management System is correctly applied
 Determine staff trainingneeds analysis
 Responsiblefor all Financial and HRfunctions
 Full disclosures and reports to Donors such as OPIC and French Development Bank
Reason for leaving: Accepted voluntary retrenchment to establish partnership in Financial Consulting Company

6. CFO: UNITED NATIONS OFFICE FOR PROJECT SERVCES: SMALL ENTERPRISE AND HUMAN DEVELOPMENT
Period: Aug 2001 to Apr 2005
Type of employment: Contract
Location: Pretoria,South Africa
DUTIES AND RESPONSIBILITIES
 Establishmentand runningof the local economic development agencies (LEDA) in 4 provinces includingthesubcontracts
entered into with them.
 Travelled internationally extensively to prepare and follow“closedown” procedures in various countries.
 Develop as well as maintain theoperation of a Micro Credit Scheme (Local EnterpriseFund) linked to the 4 Provinces
namely Mpumalanga,Limpopo, N/Cape and E/Cape.
 Develop a Guarantee Scheme to assistthe Local EnterpriseFund with various BankingInstitutes and DTI
 Implementation and create reports that are PFMA compliant.
 Provideadministrativeand financial supportand trainingto other UNOPS/RESS projects in Africa which included Angola &
Mozambique.
 Direct and superviseall administrative,financial and logistical activities of the SEHD Programme, includingthefull
accountingfunctions
 Assistthe Chief Technical Adviser (CTA) in the establishmentand recruitment of management for the SEHD regional
offices as “certifyingofficer”, establish and maintain appropriatefinancial accountingcontrolsand monitoringsystems
 Prepare and submit budget revisions to UNOPS in Geneva, New York and Malaysia for approval.
 Supervisethe submission of monthly account, reports and MOD control status to UNOPS HQ for the above-mentioned
projects executed by UNOPS
 Recommend for recruitments to UNOPS/RESS, after evaluation,of international staff and consultants and locally recruited
National Experts and supportstaff of the Programme
 Ensure the effective administration of all National and Local staff,includingRecruitment, preparation of Terms Of
Reference’s, appointment, review of works schedules and evaluation of their performances
 Monitoring and Evaluation of all Projects frominception to Completion includingdocumentingall lessons learnt.
 Implement and run specific trainingcourses for personnel of area offices in projectidentification,management and financial
procedures
 Ensure maintenance of the Fixed Assets of UNOPS
 Review all contracts and sub-contractsto assurethat UNOPS financial rules,regulationsand policies areadhered, and
ensure proper administration of such contracts,includingpayment and supervision of timely presentati on of outputs.
 Supervisefinanceand administrativeassistantsand supportstaff,drivers,security guards etc.
Reason for leaving: Program Completed and handed over to the (SEDA) DTI

7. FINANCIAL MANAGER: USAID – CREATIVE ASSOCIATES INTERNATIONAL
Period: Apr 1999 to Aug 2001
Type of employment: Permanent
Location: Pretoria,South Africa
DUTIES AND RESPONSIBILITIES
 Supervision of: 2 Accountants – CA’s, 2 Bookkeepers to B/Sheet and 3 Support Staff
 Authorize all Cash Book and Creditors Payments
 Check and authorizeCashbook Reconciliation to Bank Statement
 Ensure correct codingon all documentation
 Authorize salary and compensation
 Monitoring & Evaluation of all Projects.
 Coordinateall Year End Audits includingRecipients Audits.
 Produce IRP5 for personnel at Tax year end
 Negotiation with banks on investment portfolio and other Forex transaction such as forward cover and letters of credit(LC)
 Authorize all foreign payments and receipts
 Produce month end financial and management reports
 All Budgets and Forecasts
 Cash flowmanagement
 Updating Financial Policies and Procedures
 Implementation of Financial Systems and Internal Controls
 Cheque Signatory
GRANTEES – RECIPIENTS
 Financial assessmenton all newgrant applications
 Set up of Financial Systems
 Control financial documents
 Audit, includingForensic Auditingand ensuringthatall USAID regulation arebeing adhered to.
 Evaluate personnel performances and providetrainingwhere necessary
 Assessing validity of all disbursed vouchers
 Reimbursing disbursementto all grantees
 Providetechnical assistance(as in trainingGrantees in Financial Procedures as required)
 Monitoring Budgets of various Projects
 Ensure all Bank Statements Balances to Liquidation Reports
Reason for leaving: Better Prospects offered by the United Nations.

8. GROUP FINANCIAL CONTROLLER: AIR LIQUIDE SA
Period: Jun 1990 to Mar 1999
Location: Johannesburg& Cape Town, South Africa
DUTIES AND RESPONSIBILITIES
Group Management Accountant
Period: June 1990 – April 1991 (with view of promotion)
Group Financial Controller
Period: May 1991 – Dec 1991 (Promotion)
Internal / Forensic Audit
Period: Jan 1991 – Dec 1992 (Promotion)
Group Financial Manager (Vitalaire)
Period: Jan 1993 – Feb 1994 (Secondment)
Administration Manager for Cape Region
Period: March 1995 – March 1999
Supervision of:
18 Accounting& Admin staff at HO
14 Regions consistingof 2 Accountants
2 Bookkeepers to BalanceSheet
1 Cash Book Clerk + 3 Creditors Clerks +5 Credit Controllers
Reason for leaving: Relocated from Cape Town to Pretoria.
OBJECTIVES:
To have a stimulatingand fulfillingposition in an organisation thatrecognizes hard work, loyalty and integrity, with an
opportunity to grow.
To impartwherever possible,knowledge and experience to anyone who is willingto learn,most especially to the previously
disadvantaged community, hence my choice to work for those organizations such as USAID,UN and HLGC
To work in synergy to an organization’s common goal,so that our clients benefit from a Company whose sum is more than the
total of its parts.
REFERENCES:
Karol Jozwicki - CFO - Mondelez International MobileNumber 071 371 6111
Dr Jairo Morales - CTA - United Nations MobileNumber: 0715896540
Mr Brian Mallinson – Senior Partner - KPMG – Mobile0837007051
Mr Mike Levin- Executive - Air Liquide Mobile:0833242251
Mr George Cavalierie- CEO - Sela InsuranceBrokers Mobile:0826007373