1. Monica Kumar
20649 Wakefield Circle
Strongsville, OH 44149
Cell: 440-915-8561
E-mail: monica_kumar@sbcglobal.net
Summary of Qualifications:
Accomplished Finance Manager with over ten years of experience at a community bank,
a large regional bank, an insurance and an audit firm. Extensive liaison experience with
government regulators. Core competencies include:
 Strong analytical aptitude
 Excellent communication skills
 Comprehensive knowledge of Asset Liability Management, including
IRR, market risk, liquidity risk and OCC examination of these areas.
 Closely work with external legal counsel and senior management
 Track record of improving accounting systems and procedures
 Filing of SEC reports for publicly held companies
Experience:
Financial Consultant: September 2007 to present
 Presently doing a short-term assignment at First Federal of Lakewood Bank,
to review its treasury functions, establish a Discount Window with the Federal
Reserve Bank of Cleveland and complete the quarter-end regulatory report.
 Previously at various local companies including Goodyear Tire Company,
Energy Focus, Venture Lighting, to help file the Annual Statement (10-K)
and the Proxy Statement. Other consulting experience includes:
o Filing of the 10K, 10K/A, S-3, S-1, S-4, 8K and related press releases
and the Proxy statement.
o Work with the Company’s legal firm to ensure all rules of disclosure
are followed.
o Recently assisted in a PIPE financing transaction.
o Managed large projects to incorporate work-flow efficiency
Lorain National Bank – Treasurer – June 2005 to June 2007
 Responsible for Asset-Liability management, creation and monitoring of ALM
policies and providing advice on interest margin improvement. Financial
modeling experience on IPS Sendero for cash-flow projection using rate shock
analysis, EVE and Gap analysis (both static and dynamic).Use of various duration
tables and knowledge of prepayment tables for residential mortgages and MBS.
Have some familiarity with QRM software.
 Wholesale funding, including Federal Funds purchased/sold and correspondent
lines of credit, for short-term cash needs.
 Raising of public funds deposit in Lorain County; buying of brokered CDs and
other jumbo deposits.
 Member of the rate setting committee for retail products.
 Certain involvement in securities investment, including monitoring of call/puts
and other options.
 Presently involved in the raising of capital through Trust Preferred Securities.
 Recently completed a project on stock buy back.

2. Lorain National Bank – Controller – June 2004 to June 2005
Job duties included the following
 Review and file the 10K, 10Q, 8K, 11i and other SEC reports.
 Review and file the Call reports with the FDIC, FRY 9C/LP/8/11 with FRB.
 Approve month-end and quarter-end closing entries, including consolidation
entries for the Bank Holding Co.
 Prepare Board reports and other internal reports such as budgets and financial
projections for future periods, including margin analysis. Communicate
profitability reports with line of business managers and emphasize financial
direction outlined by senior management.
Consultant/ Independent Contractor – November 2003 to May 2004
Worked as a self-employed consultant. Assignments included:
 Review of accounting manual (for the ninth largest accounting firm in the U.S)
for inclusion of Sarbanes-Oxley Act of 2002.
 Review of company’s intranet for compliance with the GLB Act, Sarbanes-Oxley
regulations, HIPAA codes and the various updates per NASBA and other State
Accountancy Boards.
 Documentation and implementation of internal controls for compliance with
SOX, for certain subsidiaries of the same Company.
KeyCorp – Vice President – Financial Reporting – April 2000 and January 2003
Had ultimate responsibility for all financial reports filed with various government
agencies for the Bank Holding Company.
 Supervised the preparation and filing of accounting reports prepared by a staff of
four accountants.
 Worked on several projects to improve financial data gathering process, including
a review of the current system, assessment of canned packages in the market, and
a feasibility study of internally developed IT programs.
 Redesigned current accounting system for better utilization of data generated in
other areas of the company.
 Substantially streamlined accounting workflow resulting in cost savings of over
$200,000 per year.
KeyCorp – Assistant Vice President – Regulatory Reporting - January 1998 to April
2000
 Responsible for filing of all financial statements required by the FDIC, Federal
Reserve Bank, OCC and various State Agencies, including interpretation of
changes in the laws/statutes. Regulatory reports follow the format for SEC
reporting, however have greater details, as required by the government, including
calculation of risk based capital.
 Initiated and completed several automation projects, resulting in significant
efficiencies to daily workflow.
 Supervised a staff of four accountants.
 Presented solutions to senior management on issues and problems facing the
department.
 Managed human resource needs of the department.

3. National City Bank – Financial Analyst – Regulatory Reporting –October 1995 to May
1997
 Prepared various financial statements filed with Regulatory Agencies for fourteen
banks, including quarterly reports.
 Prepared several ad-hoc reports, including liaison with IT staff for financial data
extraction.
Chemical Financial Services – Senior Accountant - November 1994 to October 1995
 Prepared all financial reports, both statutory and GAAP, for two captive Insurance
companies.
 Worked will auditors- external, internal and State examiners for timely
completion of audit.
Credit General Insurance Company – Accountant – January 1994 to October 1994
 Duties included monthly closing of company accounts and preparation of
financial statement for a subsidiary company.
 Additional responsibilities were loss reserve reporting, as presented in the
schedule “P” of the annual report.
Coopers & Lybrand LLC – Associate – September 1992 to December 1993
 Responsibilities included performing fieldwork on various engagements, reviews
of financial statements and coordination of client information for tax filing.
 Performed initial planning, prepared audit programs and researched technical
issues.
Education:
Masters in Accounting and Financial Information System: Cleveland State
University.
GPA: 3.5 Worked full time while pursuing Masters Degree.