Michael Gallardo
Mons
Summary
Experienced Finance Manager and Business Partner with 10+ years in driving profitability and financial strategy for global organizations like Mastercard and Allianz Trade. Expertise in accounting, financial reporting, budgeting, and business partnering, with a proven ability to manage multimillion-dollar budgets, optimize financial processes, and support strategic growth. Strong leader in cross-functional collaboration, risk management, and aligning financial goals with business objectives.
Overview
15
15
years of professional experience
Work History
Finance Manager - Western Europe
Mastercard Europe
01.2024 - Current
- Led finance activities for the Western Europe region, managing a team of Finance Managers overseeing accounting, budgeting, and forecasting.
- Designed and implemented organizational structures to optimize finance functions, improving efficiency and supporting executive decision-making with comprehensive financial reports.
- Managed multimillion-dollar budgets, tracked expenses, and provided insights to leadership for strategic decisions, while collaborating cross-functionally on growth initiatives.
- Enhanced financial forecasting accuracy and streamlined reporting processes through advanced analytics and automation, driving cost-reduction and operational improvements.
Business Development Finance Manager
Mastercard Europe
01.2023 - 01.2024
- Advised the Division Finance Officer and European business units on complex deals, driving profitable outcomes and ensuring alignment with business goals.
- Developed financial models to support strategic expansion and portfolio diversification, optimizing deal structures and mitigating financial risks.
- Partnered with sales and commercial teams, conducting risk assessments and refining deal terms to enhance profitability and secure business interests.
Controlling Manager
Mastercard Europe
01.2018 - 01.2023
- Ensured financial integrity for Mastercard Europe, overseeing accounting and controls across 15+ countries with $4.5B+ turnover and $4B+ assets, ensuring compliance with US GAAP and local standards.
- Managed external audits for 7 entities, serving as primary contact for PWC and supporting tax audits, while coordinating with stakeholders including PWC, KPMG, and legal teams.
- Led pricing, billing, and rebate operations across Western Europe, Russia, and the Nordics, ensuring accurate contract accounting, and supported business partners on customer initiatives to drive operational excellence.
Deputy Head of Accounting & Reporting
Euler Hermes (Allianz Trade)
01.2015 - 01.2018
- Managed accounting and reporting for Northern Europe and Asia Pacific, producing month-end financial packages (IFRS & BeGAAP) and coordinating quarterly conversions for Belgian entities.
- Prepared statutory accounts and quarterly reports for the National Bank of Belgium, and collaborated with external consultants on tax returns and audit support.
- Acted as the primary contact for finance teams, auditors, NBB, and shareholders, while leading a team of 3 and completing a High Potential Training Program focused on leadership and soft skills.
Senior Consultant - EMEA Accounting
Deloitte
01.2013 - 01.2015
- Assisted clients in compliance with European statutory accounting requirements, managing complex projects and ensuring regulatory adherence.
- Led client relations, project management, and team coaching in a dynamic, international environment.
- Provided guidance on financial processes, ensuring accurate reporting and compliance with local and international standards.
Senior Auditor
EY
01.2010 - 01.2013
- Led statutory audit engagements, reviewing business processes, internal controls, and risks, with expertise in SOX compliance, mergers, and liquidation processes.
- Managed audit teams, delivering high-quality reports and financial analysis across diverse industries (manufacturing, logistics, services) for both SMEs and international clients.
Education
Master of Science - Business Engineering
University of Mons
Belgium06-2010
Skills
- IT : Microsoft Office, PowerBI, ERP: SAP, Oracle, Consolidation Tools: Hyperion, Finance
- Skills: Accounting, Budgeting, Forecasting, Financial Analysis & Reporting, Internal Controls, Audit, Business Partnering, Financial Modeling
Languages
French
Bilingual or Proficient (C2)
English
Bilingual or Proficient (C2)
Spanish
Elementary (A2)
Dutch
Beginner (A1)
Accomplishments
Recognized with the Mastercard Group CFO Award in 2022 for outstanding work in controlling
Timeline
Finance Manager - Western Europe
Mastercard Europe
01.2024 - Current
Business Development Finance Manager
Mastercard Europe
01.2023 - 01.2024
Controlling Manager
Mastercard Europe
01.2018 - 01.2023
Deputy Head of Accounting & Reporting
Euler Hermes (Allianz Trade)
01.2015 - 01.2018
Senior Consultant - EMEA Accounting
Deloitte
01.2013 - 01.2015
Senior Auditor
EY
01.2010 - 01.2013
Master of Science - Business Engineering
University of Mons
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