Karelia Delgado

Accounting and finance professional with 14+ years of experience in banking audit and financial oversight, including 4 years leading a provincial-level audit team of 6 professionals. IRS-registered Tax Preparer with experience in individual and family federal tax returns.

Licensed Florida

Life & Health Insurance Agent specializing in supplemental insurance, IUL, annuities, and final expense products.

Native

Spanish speaker dedicated to providing precise, trustworthy financial services to the Hispanic community.

Independent Tax Preparer at Self-Employed (2025-01 – Present)

• Prepared individual and family federal tax returns using FreeTaxUSA software
• Served Spanish-speaking clients throughout the Naples, FL area
• Ensured accurate data entry, deduction identification, and IRS compliance
• Maintained strict client confidentiality and organized records throughout tax season

Independent Life & Health Insurance Agent at Self-Employed (2023-01 – Present)

• Manage an active client portfolio providing personalized insurance solutions
• Specialize in supplemental health insurance, Indexed Universal Life (IUL), annuities, and final expense life insurance
• Conduct needs assessments and deliver financial protection recommendations to Spanish-speaking families
• Hold active Florida Life & Health Insurance License

Bookkeeper / Accounting Assistant at Private Business (2023-01 – 2024-12)

• Recorded and categorized daily business income and expenses
• Prepared monthly financial statements using Wave Accounting software
• Maintained accurate financial records and reconciled accounts regularly

Lead Bank Auditor & Audit Team Supervisor at Provincial Banking Sector (2010-01 – 2024-12)

• Supervised and coordinated a team of 6 bank auditors at the provincial level
• Planned, executed, and reviewed internal and external banking audits ensuring regulatory compliance
• Analyzed financial statements, identified irregularities, and issued formal audit reports to senior management
• Ensured adherence to national banking standards and financial control regulations
• Developed audit programs and trained junior auditors on procedures and best practices

Bachelor's Degree in Accounting and Finance – Universidad de La Habana (2014)