Ricardo Fernandez
+63 917 523 4891 | ricardo.fernandez@email.com | 1247 Maharlika Avenue, Makati, Metro Manila | linkedin.com/in/ricardofernandez

WORK EXPERIENCE

Senior Associate, M&A Deal Advisory Tax
Deloitte Philippines, Manila
January 2022 – Present

• Lead tax due diligence engagements for M&A transactions across multiple industries including private equity, real estate, and manufacturing, identifying tax risks and opportunities valued at $15M+ annually
• Conduct comprehensive tax structuring analysis for cross-border acquisitions and divestitures, advising clients on optimal transaction structures to minimize tax liabilities and maximize after-tax returns
• Prepare detailed tax provision models and financial statement impact assessments for IPO readiness and pre-transaction planning, ensuring compliance with revenue recognition and intercompany regulations
• Collaborate with external audit teams and legal advisors to resolve complex tax matters including VAT compliance, transfer pricing, and restructuring implications
• Manage project timelines and deliverables for 8-12 concurrent engagements, supervising junior associates and ensuring quality control across all work products

Tax Analyst, Transaction Advisory Services
EY Philippines, Quezon City
June 2019 – December 2021

• Performed tax due diligence reviews for middle-market M&A transactions, analyzing historical tax returns, financial statements, and identifying potential tax exposures ranging from $500K to $5M
• Developed financial models to forecast post-transaction cash flow impacts and tax attribute utilization for buyers in private equity and strategic acquisitions
• Prepared tax provision calculations and account reconciliations for quarterly and annual reporting, ensuring accuracy in accruals and compliance with accounting standards
• Assisted in structuring recommendations for asset vs. stock purchases, offshore investments, and TUPE transfers in European transactions
• Conducted research on tax regulations, including capital requirements and tax compliance matters, supporting senior team members in client deliverables

Junior Tax Consultant
BDO Unibank, Taguig
August 2017 – May 2019

• Supported tax compliance and advisory projects for corporate clients across banking, e-commerce, and SaaS sectors
• Prepared and reviewed corporate tax returns, ensuring compliance with federal and state tax regulations
• Assisted in payroll tax compliance, VAT filings, and intercompany transaction documentation
• Conducted data analysis using Microsoft Excel and SQL to identify trends in tax payments and accruals
• Participated in client meetings and training sessions to develop technical knowledge and client service skills

EDUCATION

Master of Science in Taxation
Ateneo de Manila University, Quezon City
Graduated: May 2017

Bachelor of Science in Accounting
De La Salle University, Manila
Graduated: May 2015
Minor in Economics

SKILLS

Tax & Accounting: Tax Due Diligence, M&A Tax Advisory, Tax Compliance, Tax Structuring, Financial Statements, Account Reconciliation, Revenue Recognition, Accruals, Budgeting, Audit, External Audit

Financial Analysis: Financial Modeling, Cash Flow Analysis, Forecasting, Data Analysis, Risk Management, 10-K Reporting, Process Improvement

Technical Tools: Microsoft Excel, Microsoft PowerPoint, Microsoft Power BI, SQL, Visual Basic for Applications, Bloomberg, Microsoft Dynamics, SharePoint

Transaction Advisory: Due Diligence, Private Equity, IPO, Restructuring, Intercompany, Derivatives, Value-Added Tax

Languages: English (Native), Filipino (Native), Spanish (Professional Working Proficiency)

Industry Knowledge: Banking, Real Estate, E-commerce, Software as a Service, Manufacturing

CERTIFICATIONS

Certified Public Accountant (CPA)
Professional Regulation Commission
Issued: November 2018

ADDITIONAL INFORMATION

• Active member of the Philippine Institute of CPAs (PICPA) and regional CPA society
• Volunteer tax preparer for low-income families through community outreach programs