Krystal Gamit

Senior Financial Accountant with 20+ years of progressive career growth in elite corporate accounting, taxation, and high-stakes regulatory compliance, including 15+ years of specialized experience within a high-net-worth (HNW) executive family office. Possesses comprehensive technical mastery of the full accounting cycle, delivering end-to-end financial responsibilities spanning from transactional execution in associate years to high-level strategic oversight as a Senior Accountant. Highly skilled cloud systems expert holding advanced Intuit QuickBooks Level 2 and Xero Level 2 Certified Professional credentials.

Proven expertise managing complex financial architectures, multi-entity accounts, and international assets for high-net-worth individuals (HNWIs) and corporate subsidiaries within Sonoma Services Inc. (a Zobel de Ayala private family office and Ayala Group company). Expert at navigating Bureau of Internal Revenue (BIR) audits, serving as a corporate accounting witness before the Court of Tax Appeals (CTA), and leading corporate audit readiness for SGV & Co. via digital workflows, eFPS, and eBIRForms. Collaborates directly with Ernst & Young (EY) US Account Managers to deliver cross-border tax compliance while personally executing FinCEN FBAR e-filings.

Trusted leadership professional recognized for absolute discretion, bulletproof internal controls, remote asynchronous communication, team mentorship, and clear executive-level reporting.

Senior Accountant - SONOMA SERVICES INC. - Makati City, Metro Manila

(2015-03 - 2024-04)

Commanded the closing architecture of the full accounting cycle for multiple high-net-worth personal and corporate entities, ensuring 100% accuracy, strict confidentiality, and regulatory alignment.

• End-to-End Financial Oversight: Commanded the closing architecture of the full accounting cycle for multiple high-net-worth personal and corporate entities, ensuring 100% accuracy, strict confidentiality, and regulatory alignment.
• US Cross-Border Tax & FBAR Ownership: Collaborated closely with Ernst & Young (EY) Account Managers by sourcing, reconciling, and preparing all financial documentation required to finalize US Form 1040 filings; personally managed and executed the annual electronic filing of the Foreign Bank Account Report (FBAR) for designated HNWI principals.
• Audit Leadership & SGV Delivery: Directed and verified all accounting workflows for multiple corporate entities to ensure flawless execution and 100% successful clearance of rigorous SGV & Co. (EY Philippines) external audits.
• Team Leadership & Verification: Supervised and mentored Junior Accountants; reviewed, verified, and approved their complex balance sheet reconciliations, tax compliance schedules, and audit deliverables to guarantee zero errors.
• Tax Litigation & Defense: Successfully managed 4 high-value Creditable Withholding Tax (CWT) refund claims, securing 2 favorable decisions from the Court of Tax Appeals (CTA).
• Expert Witness Testimony: Served as the company's designated accounting witness before the CTA, delivering critical financial testimonies and collaborating with legal counsel to validate documentary evidence.
• Audit Resolution: Commanded responses to multiple BIR Letters of Authority (LOAs), neutralizing audit risks through precise documentation and strategic regulatory coordination.
• C-Suite & Board Advisory: Consolidated complex financial information, investment schedules, and net worth analysis into strategic presentation decks for the General Manager, executive principals, and Board discussions.

Junior Accountant - SONOMA SERVICES INC. - Makati City, Metro Manila

(2012-03 - 2015-04)

• Tax Compliance Expansion: Formulated and executed monthly, quarterly, and annual tax remittances across corporate and personal accounts, ensuring flawless filings for VAT, Expanded Withholding Tax (EWT), Withholding Tax on Compensation, Final Taxes, and Fringe Benefit Tax (FBT).
• External Audit Ownership: Autonomously managed and successfully cleared end-to-end external audits for 4 assigned corporate accounts, serving as the primary point of contact for external auditors.
• Full-Cycle Closing Operations: Spearheaded month-end and year-end closing operations for multi-entity ledgers, transforming raw data into trial balances and financial statement schedules aligned with GAAP and IFRS standards.
• Liquidity Optimization: Formulated master budgets, cash flow analyses, and financial statement schedules to optimize short-term liquidity management.
• Audit Readiness: Prepared robust, unassailable audit schedules and comprehensive account reconciliations to ensure friction-free validation.

Financial Associate - SONOMA SERVICES INC. - Makati City, Metro Manila

(2008-06 - 2012-03)

• Foundation of the Accounting Cycle: Handled the initial stages of the accounting cycle, executing high-volume daily accounting transactions, journal entries, bank reconciliations, and cash balance monitoring for principal portfolios.
• Advanced Tax Scope Assignment: Selected in the latter part of tenure to take on progressive accounting responsibilities, handling complex tax remittance workflows (VAT, EWT, FBT, and Withholding Tax) that laid the foundation for promotion.
• Payroll & Remittance Management: Managed private household payroll and executed complex statutory government remittances (SSS, PhilHealth, Pag-IBIG) for the personal accounts of executive family members.

Project Assistant – BIR Compliance Project - SONOMA SERVICES INC. - Makati City, Metro Manila

(2006-09 - 2007-09)

Engineered company-wide compliance workflows to align corporate documentation with updated BIR guidelines, organizing cross-departmental tax data.

Bank Teller - EQUITABLE PCI BANK (now BDO Unibank) - Makati City, Metro Manila

(2003-08 - 2006-02)

Processed high-volume cash and asset transactions accurately while maintaining strict compliance with central banking regulations and internal controls.

Bachelor of Science - Accountancy - Polytechnic University of the Philippines, Manila Campus (1999 - 2003)