Fiona Germain

Results-driven financial and tax advisory professional with experience partnering with high-net-worth clients and financial advisors to deliver strategic financial planning, portfolio analysis, and tax optimization solutions. Proven ability to simplify complex financial matters, strengthen client relationships, and identify opportunities for wealth preservation, risk mitigation, and long-term financial growth. Experienced working with major banking organizations (JP Morgan Chase, Citi Group, Bank of America, Barclays).

Tax Expert (Contractor) - Ernst & Young - Atlanta, GA

(2025-01)

• Partnered with high-net-worth ($5M+) financial advisors and clients to develop comprehensive wealth planning strategies, including retirement planning, wealth preservation, risk mitigation, and long-term financial growth initiatives.
• Delivered detailed financial and portfolio ($5M+) analysis in collaboration with financial advisors, identifying strategic opportunities for asset optimization, risk mitigation, and long-term investment growth aligned with client objectives.
• Reviewed trust structures (irrevocable/revocable) and advised on estate and trust tax filing requirements, including K-1 income distributions, to support accurate reporting, compliance, and effective tax planning outcomes.
• Partnered with financial advisors to implement retirement and distribution strategies, optimizing IRA and qualified plan withdrawals to enhance tax-efficient wealth outcomes
• Built trusted client relationships through personalized advisory services, regulatory awareness, and data-driven insights, leveraging financial research tools and market analysis to deliver compliant, client-focused recommendations and reporting.

Business Tax Expert - Intuit - Atlanta, GA

(2020-01 - 2025-01)

• Advised executive stakeholders and high-value clients on financial risk, governance, and operational strategy initiatives for a Big Tech organization with $200B+ in annual revenue, delivering risk-based assessments that strengthened financial oversight and informed strategic decision-making.
• Delivered financial risk and advisory support to large banking institutions by identifying fraud exposure, strengthening control environments, and recommending process enhancements that contributed to multi-million-dollar cost savings and improved client outcomes.
• Partnered with senior leadership and cross-functional teams to execute regulatory remediation and strategic advisory initiatives, accelerating issue resolution by 25% while enhancing stakeholder engagement, financial risk management, and operational effectiveness.

Senior Risk & Advisory Consultant - Deloitte - Atlanta, GA

(2023-01 - 2024-01)

• Led audit assessments for a Big Tech company with $200B+ in annual revenue, designing a risk-based audit plan that streamlined coverage of financial reporting, IT, and compliance controls.
• Performed quality control reviews for big banks, identifying significant fraud exposure and delivering process improvements that contributed to multi-million-dollar savings.
• Executed remediation efforts under OCC Heightened Standards, partnering with executive stakeholders to close critical audit findings and accelerating issue resolution by 25%.
• Led cross-functional project plan development and structured kickoffs, managing stakeholder engagement and risk across operational, technology, and financial taxonomies, and delivering clear, actionable recommendations to senior leadership.

Principal Financial Services Consultant - SIA Partners - New York, NY

(2018-01 - 2023-01)

• Led digital transformation and compliance optimization for global financial institutions ($50B in revenue), managing a 15-member team to deliver automated features that increased operational efficiency by 40% over an 18-month modernization initiative.
• Delivered executive briefings on regulatory developments, recommended risk mitigation strategies and business impact.
• Developed and embedded enterprise risk management frameworks tailored to large, complex banking institutions, aligning risk appetite with organizational strategy and enhancing risk visibility for C-suite and board stakeholders.
• Mentored, coached teams of 4+ consultants, reviewing work for quality and consistency, and achieving a 30% error reduction through disciplined QA standards and execution.
• Developed regulatory thought leadership and supported business development efforts, contributing to new client engagements.

MS - Project Management - University of Salford

B.B.A. - Finance and Investments - Baruch College / CUNY