Ruben Santos Lizak Matos
Shenfield
Summary
In-depth knowledge of statutory financial and regulatory reporting under IFRS, UK GAAP (FRS 101/102), and US GAAP, including complete financial statement preparation, technical accounting, regulatory submissions, and audit oversight.
Overview
16
16
years of professional experience
Work history
Group Financial Accountant (FTC)
Cera Care Limited
Colchester, United Kingdom
2026.02 - Current
- Prepared financial statements for group entities under UK GAAP (FRS 102), ensuring accuracy and completeness of financial statements
- Acted as point of contact for external auditors, coordinating audit queries and providing supporting documentation
- Prepared accounting policies, improving consistency across entities
- Supported Caseware implementation, supporting transition to more efficient statutory reporting process
- Reviewed investor reporting and financial disclosures, ensuring alignment with underlying financial data
- 3-Month FTC, Expected End Date May 2026
Career Development Period
N/A
Brentwood, United Kingdom
2025.01 - 2026.02
- Progressing final ACCA exams (12/13 completed; final exam planned for 2026)
- Volunteer Treasurer for small charity, overseeing financial management and reporting
Accountant (Broking Companies, MGA)
Aon UK Limited
London, United Kingdom
2022.12 - 2024.12
- Delivered full ownership of month-end, quarter-end and year-end close cycles across UK broking companies and MGA line of business, consistently meeting tight reporting deadlines
- Prepared and supported statutory financial reporting under UK GAAP and IFRS; reviewed and approved complex journals and balance sheet reconciliations across multi-entity and multi-ledger environments
- Performed complex investigations across large finance and operational datasets (subledger and insurance systems); applied insurance accounting principles (premium & claims, MGA)
- Managed external audit processes end-to-end; resolved long-standing SOX, Internal Audit and External Audit control issues, removing recurring blockers to month-end close
- Prepared board-level reporting, executive summaries and financial analysis; led finance transformation initiatives driving efficiency and standardisation across finance processes
- Partnered with Controllership, FP&A, SOX, Tax, Fiduciary and Finance Systems teams; mentored and trained onshore and offshore team members
- Strengthened control environment by redesigning reconciliation processes and improving data quality and consistency
- Played key role in resolving accounting and reporting challenges arising from finance system implementations and changes
- Produced variance analysis and management reporting, supporting forecasting and reforecasting processes
- Successfully resolved long-standing control and reconciliation issues raised by UK and Global SOX teams, Internal Audit and External Audit, removing recurring blockers UK month-end close and significantly improving control environment and reputation of MGA line of business
Accountant (Holding Companies)
Aon UK Limited
London, United Kingdom
2018.02 - 2022.11
- Prepared and first- and second-level reviewed statutory financial statements across multiple UK holding entities under IFRS, UK GAAP (FRS 101/102) and US GAAP; performed GAAP conversions and statutory adjustments
- Led multi-year balance sheet investigations and reconstructions (5–10 years), tracing revaluation reserves; prepared restated financial statements, disclosure notes and going concern assessments
- Performed IFRS 9 ECL calculations and impairment testing; led redesign of valuation and impairment frameworks for subsidiaries and investments into robust, auditable models
- Delivered accounting support across dividends, M&A transactions, group reorganisations and 60+ entity liquidations, including full ledger clean-up and reconciliation
- Prepared board-level reporting, technical accounting memos and distributable reserves analysis; deputised for Holding Companies Controller at board meetings
- Liaised with external auditors, tax advisors and stakeholders; supported Workday ERP implementation; mentored onshore and offshore team members
- Supported successful completion of complex restatements across multiple entities, working closely with Broking Controller and senior stakeholders
- Strengthened financial reporting processes, reconciliations and control frameworks across multiple entities
- Participated in board meetings as technical advisor and deputised for Holding Companies Controller, supporting decision-making on complex accounting matters
- Mentored and developed junior and senior team members (onshore and offshore), supporting capability building across Holding Entities team
- Performed US GAAP to UK GAAP and IFRS conversions, including calculation and posting of statutory adjustments and supporting reconciliations
- Prepared restated financial statements and disclosure notes, supporting entities requiring reconstruction of fixed asset registers, trial balances and historical accounting records
Statutory Accountant
Marsh & McLennan
Witham, United Kingdom
2017.02 - 2018.02
- Delivered accurate statutory financial statements under UK GAAP and US GAAP for insurance entities, enhancing financial transparency. Achieved compliance with FCA regulatory requirements through precise production of RMAR, FSA001, FSA002, COREP, and CIS returns.
- Ensured accurate client money calculations under CASS 5, resulting in compliance and risk mitigation. Facilitated direct presentations of findings to UK CFO, enhancing decision-making processes. Produced detailed board audit committee and regulatory reporting packs, improving transparency and accountability.
- Facilitated compliance with regulatory standards by engaging external auditors, regulators, and tax advisors effectively. Strengthened regulatory reporting and reconciliation processes, resulting in improved accuracy and transparency.
- Prepared detailed financial statement reconciliations and regulatory submissions, employing analytical skills and attention to detail before senior review.
Statutory Accountant
Hewlett Packard Enterprise
Wroclaw
2015.07 - 2017.02
- Statutory financial statements, tax filings and regulatory returns under local GAAP; VAT/SAF-T implementation; liaison with Portuguese Tax Authorities; strengthened controls and reporting quality
Senior External Auditor
EY
Luanda
2014.10 - 2015.05
- Statutory and group audits across oil & gas, FMCG, retail, construction and logistics; led audit planning and teams of 5–10; engaged CFOs and Financial Controllers; trained junior auditors
Senior External Auditor
Mazars
Luanda, Angola
2014.09 - 2014.09
- Supported delivery of statutory audits and fieldwork across multiple engagements
Financial Controller
Group Bricomat
Luanda
2014.03 - 2014.05
- Delivered management accounting and financial control activities
Controller
Prosegur
Lisbon
2014.02 - 2014.03
- Supported management accounting, reporting and performance analysis
Reporting & Process Specialist
Edenred
Lisbon
2013.07 - 2014.01
- Financial reporting, reconciliations, process improvements and data analysis; contributed to internal audit and control enhancements
Audit Consultant
Baker Tilly
Lisbon
2011.03 - 2013.06
- Statutory audits, due diligence and special assignments; forensic investigations; large dataset analysis; financial statement and control framework reviews; team management
Accounting Trainee
Mirgo
Lisbon
2010.10 - 2011.03
- Supported accounting and bookkeeping activities within accounting practice
Education
BSc - Finance and Accounting
ISCTE Business School
LisbonACCA Finalist - Accounting
ACCA
Skills
- ACCA Finalist (12/13 Exams)
- Statutory accounts production
- IFRS
- US GAAP
- FRS 101/102 UK GAAP
- Insurance Industry
- Insurance expertise MGA
- Data interpretation Advanced Excel
- Effective communication strategies
- Month-end closing
- Financial account reconciliation
- Collaboration skills
- Analytical thinking
- Netsuite
- Workday
- Caseware
Timeline
Group Financial Accountant (FTC)
Cera Care Limited
2026.02 - Current
Career Development Period
N/A
2025.01 - 2026.02
Accountant (Broking Companies, MGA)
Aon UK Limited
2022.12 - 2024.12
Accountant (Holding Companies)
Aon UK Limited
2018.02 - 2022.11
Statutory Accountant
Marsh & McLennan
2017.02 - 2018.02
Statutory Accountant
Hewlett Packard Enterprise
2015.07 - 2017.02
Senior External Auditor
EY
2014.10 - 2015.05
Senior External Auditor
Mazars
2014.09 - 2014.09
Financial Controller
Group Bricomat
2014.03 - 2014.05
Controller
Prosegur
2014.02 - 2014.03
Reporting & Process Specialist
Edenred
2013.07 - 2014.01
Audit Consultant
Baker Tilly
2011.03 - 2013.06
Accounting Trainee
Mirgo
2010.10 - 2011.03
BSc - Finance and Accounting
ISCTE Business School
ACCA Finalist - Accounting
ACCA