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PROFESSIONAL QUALIFICATION:
 Master in Business Administration
 Certified Public Accountant
 Board of Accountancy Accredited (Reg. No. 5055)
 Registered Cost Accountant in Australia (eligible)
 Proficient in SAP (FI-CO)
 Proficient in MS Office Applications
 Highly passionate in compliance, financial planning and analysis and financial reporting
 Seasoned in implementation of improvements and streamline process
PROFESSIONAL EXPERIENCE TO DATE:
PROPERTY COMPANY OF FRIENDS, INC. (Real Estate Developer)
Finance Manager (OIC-AVP)
November 2013 up to present
 Successfully led compliance team in the availment of 2010 and 2011 ITH which approved tax savings of 818M
and 1.19B for 2010 and 2011 respectively as well as registration of 7 projects already pending for a year led to
accomplishment of target revenue for fiscal year 2014.
 Effectively initiated improvements on the specifications on the automated programs in SAP to align with BIR
requirements
 Successfully initiated rationalization on PCF and Revolving Fund; from 2.9M to 1.4M
 Effectively collaborates with the Controller with the strategies required in achieving company’s plans and goals
 Initiated internal control systems and successfully implemented to different operating units
 Successfully assisted the Controller in ensuring smooth flow of financial transaction and full financial control
Manager – Loans Origination Division
November – January 2013
 Effectively provided a lean system in processing buyer’s loan takeout which led to increase of 25% in monthly
takeout
Assistant Manager - Corporate Finance
June 2012 to October 2012
 Successfully audited one of the marketing companies and uncovered fraudulent actions made by the CEO
 Provided a 3-year business plan for the 3 marketing companies which led to company’s savings of 130M
investments
 Set up internal control system as well as policies and procedures in all marketing companies and established the
shared service on the payment process
ARMIZA LOFRANCO - ENOC, CPA, MBA
Blk. K3 Lot 19 Brgy. San Francisco 1 DBB-C Dasmariñas City, Cavite
Contact No: +63 922-815-6391 Email: armiza_enoc@yahoo.com

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CYPRESS Manufacturing Limited (CML), Philippine Branch (Semiconductor)
Gateway Business Park, Javalera, General Trias, Cavite
Senior Financial Analyst (Asst. Manager)
April 2013 up to Nov. 3, 2013
 Successfully audited sub-con revenue and cost which eliminated the unfavorable purchase price variance of
$300K
 Successfully set up the cost model for transfer price which are currently being implemented
INVESTRENEUR MULTI-PURPOSE COOPERATIVE
Operations Manager
January 2013 to March 2013
 Successfully implemented improvement in operations and set up internal control and reporting system
 Effectively resolves issues and concerns within the operation
LYCEUM OF THE PHILIPPINES – Cavite Campus
Lecturer
June 2011 – May 2012
 Provide lecture on Fundamentals of Accounting, Hotel Managerial Accounting, Marketing and Management
SAN MIGUEL YAMAMURA PACKAGING CORPORATION
Tax Analyst
July 2010 – January 2011
 Timely and accurately submitted e-filing and e-payment of all required BIR forms thus no penalty, interest
or unnecessary charges were incurred
 Effectively provided and implemented improvements on the existing procedures in consolidating all tax
requirements of the 17 plants
Treasury Associate
January 2005 – July 2010
 Eliminated all unnecessary bank charges, over payment as well as double payment
 100% compliant to existing policies and procedures as well as to the accounting standards thus no audit
findings from the external auditor (KPMG);
 Effectively initiated improvement on the current system in all import payments and cash management of
dollar funds which resulted to cost savings and better yields
 Cleaned up bank accounts which are 5 months behind in bank reconciliation
 Successfully collected 90% of long overdue accounts receivables from international accounts
Credit Analyst
November 2003 – December 2004
 Significantly improved formalization of the credit facility of clients from 40% to 91%
 Spearheaded the newly established system in monitoring credit lines and updating credit facility of clients
on account

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PREVIOUS WORKING EXPERIENCE
 Worked at Yang Wha Human Resources Corporation from 1999 to 2003.
 Started as Petty Cash Custodian and became the Accounting Head handling payroll and preparation of the
financial reports
EDUCATION: Master in Business Administration Bachelor of Science in Accountancy
Lyceum of the Philippines – Cavite Lyceum of the Philippines - Manila
April 19, 2013 1997-2001
Rank 1: Written and Oral Comprehensive Exam Cum Laude / Silver Awardee / Dean’s List