Carla Laudico

Results-driven Treasury Manager with over 18 years of experience in treasury management, cash and liquidity management, banking relations, debt management, working capital optimization, foreign exchange transactions, trade finance, and financial risk management across the retail, aviation, energy, petroleum, infrastructure, and banking industries. Demonstrated expertise in cash forecasting, loan administration, credit facilities, treasury digitalization, banking negotiations, investment management, and compliance with financial covenants. Proven ability to lead high-performing teams, strengthen banking relationships, support strategic funding initiatives, and implement treasury solutions that improve operational efficiency and financial performance.

Treasury Manager - Robinsons Retail Holdings, Inc.

(2025-04)

• Manage cash and liquidity requirements of the parent company and support overall group treasury operations.
• Lead treasury activities related to mergers and acquisitions, including funding execution and remittance documentation.
• Oversee loan drawdowns, repayments, and monitoring of principal and interest obligations.
• Review consolidated cash positions, monthly cash flow reports, and financing reports.
• Manage banking documentation, KYC requirements, bank signatories, and credit facility requirements.
• Support payment and collection system migration initiatives and treasury digitalization projects.
• Oversee vendor payment releases through online banking platforms and manage high-volume transactions.
• Strengthen banking relationships through continuous engagement and process improvements.
• Lead treasury team operations and provide guidance and coaching to staff.

Treasury & Working Capital Manager - Philippines AirAsia, Inc.

(2023-04 - 2025-03)

• Managed cash liquidity and working capital requirements to support airline operations.
• Directed treasury risk management activities including foreign exchange exposure and hedging strategies.
• Administered Offshore Loan and Security Agreements (OLSA) and ensured compliance with lender requirements.
• Managed Letters of Credit (LCs) and Standby Letters of Credit (SBLCs).
• Conducted foreign exchange spot transactions, investment placements, and treasury funding activities.
• Implemented treasury process improvements through automation and standardization initiatives.
• Coordinated with trustees, lenders, and banking partners regarding corporate financing arrangements.
• Monitored and maintained credit facilities with partner banks.

Treasury Assistant Manager - Rephil Group of Companies

(2020-11 - 2023-03)

• Managed treasury operations for multiple petroleum business units and retail stations.
• Led cash flow forecasting, debt management, and hedging activities.
• Administered trade finance facilities including Letters of Credit.
• Prepared treasury and board reports for senior management.
• Developed treasury policies and procedures that enhanced operational efficiency.
• Provided recommendations on investment strategies and funding requirements.
• Supervised treasury personnel and supported business expansion initiatives.

Treasury Associate - ACE Shared Services (AC Energy Group)

(2018-02 - 2020-11)

• Managed daily cash operations and liquidity requirements of energy-related business entities.
• Executed borrowing, investment, and hedging transactions.
• Administered loan covenant compliance and financing documentation.
• Managed relationships with local and international banking partners.
• Handled Letters of Credit and Standby Letters of Credit requirements.
• Participated in treasury policy reviews and cash management initiatives.

Back-End Supervisor - Intelligent E-Processes Technologies Corporation (San Miguel Infrastructure Group)

(2016-03 - 2017-06)

• Supervised treasury and back-office operations supporting electronic payment services.
• Managed reconciliations, settlement processes, fund transfers, and liquidity monitoring.
• Coordinated with banking partners regarding funding and treasury requirements.
• Led process improvement initiatives and operational enhancements.
• Supervised team performance and ensured compliance with internal controls.

Senior Credit Operations Analyst / Authorized Signer / Backup Team Leader - Citibank N.A.

(2010-04 - 2016-03)

• Served as senior underwriter with delegated approval authority.
• Conducted credit evaluations and risk assessments for credit card applications.
• Led process improvement initiatives and contributed to systems enhancement projects.
• Authored credit procedures manuals and operating guidelines.
• Served as trainer and subject matter expert for credit analysts.
• Consistently exceeded productivity and quality benchmarks.
• Led User Acceptance Testing (UAT) activities for major Citibank system enhancement projects.
• Managed critical account matching and customer relationship processes.
• Recognized for outstanding productivity and operational excellence.

Credit Operations Analyst - Citibank N.A.

(2007-10 - 2010-04)

• Evaluated credit applications and customer account maintenance requests.
• Performed verification, risk assessment, and fraud detection procedures.
• Approved and reviewed credit facilities in accordance with bank policies.

Branch Front-End Officer - Citibank Savings, Inc.

(2007-04 - 2007-10)

• Processed deposits, withdrawals, account servicing, and time deposit transactions.
• Handled daily balancing and branch operational requirements.

Credit Analyst – Collections - Citibank N.A.

(2006-10 - 2007-03)

• Managed collection-related accounts and customer inquiries.
• Consistently ranked among top performers for collection effectiveness.

Executive Assistant - Rusangel Shoes Corporation

(2002-06 - 2006-10)

• Supported executive management in business operations and supplier coordination.
• Monitored production schedules and ensured timely delivery commitments.

Bachelor of Science - Banking and Finance - Philippine School of Business Administration (PSBA) (1998 - 2005)

Secondary Education - Our Lady of Perpetual Succor College (1994 - 1998)