Asmae CHAOUI
Casablanca
Summary
Dynamic and professional with strong expertise in treasury management and financial strategies. Proven ability to drive financial stability, optimize cash flow, and manage risk. Known for effective team collaboration and adaptability to evolving business needs. Skilled in financial analysis, liquidity management, and compliance with regulatory requirements.
Overview
17
17
years of professional experience
Work History
Treasury Manager
SANIPAK MAROC
04.2024 - Current
- Maintained adequate liquidity levels through proactive cash management techniques including borrowing under credit facilities or investing surplus funds in short-term instruments when appropriate.
- Improved financial reporting by creating customized reports that provided actionable insights into cash positions, investment performance, and exposure levels.
- Streamlined payment processes by implementing an electronic payment system that reduced manual errors and increased operational efficiency.
- Reduced bank fees by negotiating favorable banking terms and services agreements with multiple financial institutions.
- Reduced operational risk through effective oversight of daily cash positioning and reconciliation activities.
- Developed customized liquidity solutions, addressing unique business needs while optimizing working capital utilization.
- Ensured and coordinated with banks and financial institutions regarding merger of two companies by providing the analysis of financial statements.
- Implemented a cash management strategy by assessing budget, actual and forecast cash flows requirements.
- Contributed to annual budgeting processes by providing accurate projections of interest income, expenses, and capital expenditures related to treasury operations.
- Supported organizational growth through active participation in acquisitions and mergers activities.
- Reviewed internal policies and procedures for compliance with relevant laws and regulations, reducing potential legal risks to the organization.
Corporate Treasury Manager
AKSAL GROUP
01.2020 - 12.2023
- Managed treasury of 7 Group companies (RETAIL BU) to ensure efficient use of funds.
- Overseen daily financial operations by managing bank operating lines ( overdraft facilities & credit lines by signature).
- Produced, consolidated and analyzed cash flow forecast to identify cash needs and anticipate optimized actions.
- Planed, coordinated and managed goods imports with BUs and Logistic Department.
- Ensured and monitored payments of foreign and local suppliers.
- Overseen and managed foreign exchange transactions with trading rooms and implement cash flow hedge to minimize the impact of financial risks.
- Managed relationships and negotiated new facilities with financial institutions and public organizations (banks, leasing companies, foreign exchange office) for existing stores and new openings.
- Monitored local opportunities for new banking relationships or evolution of existing ones.
- Identified and proposed improvement in treasury processes to increase operational efficiency.
- Controled accounting closures and analyze balance sheet accounts.
Moroccan Plants Treasury Senior Specialist (Financ
YAZAKI MOROCCO MEKNES SA
03.2019 - 12.2019
- Managed treasury of YAZAKI Morocco plants with the target to achieve a safe and high-efficiency liquidity management.
- Standardized treasury processes of Yazaki Morocco sites.
- Prepared, consolidated and analyzed cash flow forecasts.
- Enhanced team skill sets with targeted training programs, elevating overall productivity and project outcomes.
- Supervised and controlled payment process of foreign and local suppliers in accordance with Moroccan Foreign exchange regulations.
- Produced periodic reports to Treasury Group.
- Managed foreign exchange transactions with trading rooms.
- Coordinated with accounting and controlling for monthly and annual closing of accounts.
- Produced quarterly and annual reports for the foreign exchange office.
- Managed relations and negotiate new facilities with banks and public organizations ( Foreign Exchange Office, Portnet, Customs, Ministry of Foreign Trade).
- Conducted year-end reviews with auditors
Treasury Coordinator
YAZAKI MOROCCO MEKNES SA
04.2017 - 03.2019
- Ensured cash management and optimized financial flows.
- Managed daily cash positioning, ensuring optimal funding allocation across multiple accounts and currencies.
- Negotiated favorable banking terms to reduce fees and improve overall treasury efficiency.
- Implemented risk mitigation strategies to protect company assets from currency fluctuations and interest rate changes.
- Maintained strong relationships with external partners such as banks, auditors, leasing institutions.
- Conducted regular evaluations of existing banking services to identify areas for cost savings or process improvements.
- Provided training and guidance to junior team members, fostering a culture of continuous learning and professional growth within the treasury department.
- Proposed and managed projects to upgrade tools for automating cash management processes and implement procedures.
Treasury Responsible
YAZAKI MOROCCO MEKNES SA
11.2013 - 03.2017
- Ensured the start-up of treasury department and elaborated processes and procedures.
- Prepared, monitored and analyzed cash flow forecasts and cash budgets.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Maintained and closed the petty cash position in dirhams and foreign currencies
Senior Accountant
YAZAKI EUROPE LIMITED- PARIS
03.2011 - 11.2013
- Handled day-to-day accounting processes to drive financial accuracy.
- Handled month-end and year-end end finances by managing and reporting fixed assets and other data.
- Produce reporting to Group Accounting.
- Assisted in internal and external audits by preparing necessary
Financial Responsible
MOMY CONFORT SARL
07.2010 - 02.2011
- Coordinated with shipping companies, forwarding agents and banks.
- Ensured accounting according to Moroccan standards.
- Prepared payments for foreign and local suppliers.
Accountant
ATLAS ASNI HOTEL
08.2008 - 05.2010
- Handled day-to-day accounting processes to drive financial accuracy.
- Reconciled accounts and reviewed expense data, net worth, and assets.
- Documented cash, credit, fixed assets, accrued expenses, and line of credit transactions.
- Gathered financial information, prepared documents, and closed books.
Education
Master of Science - Finance Audit & Controlling
National School of Commerce And Management (ENCGT)
Tangier, Morocco07-2012
Bachelor of Science - Administration And Management of Tourism And Hotel
International High Institute of Tourism (ISITT)
Tangier07-2008
High School Diploma -
Moulay Ismail High School
Meknes, Morocco07-2004
Skills
- Cash management expertise
- Bank relationship management
- Foreign exchange management
- Working capital optimization
- Budget planning and control
- Cash flow forecasting
- Financial reporting
- Audit preparation
- Regulatory compliance awareness
Languages
English
Advanced (C1)
French
Advanced (C1)
Arabic
Upper intermediate (B2)
Spanish
Intermediate (B1)
Timeline
Treasury Manager
SANIPAK MAROC
04.2024 - Current
Corporate Treasury Manager
AKSAL GROUP
01.2020 - 12.2023
Moroccan Plants Treasury Senior Specialist (Financ
YAZAKI MOROCCO MEKNES SA
03.2019 - 12.2019
Treasury Coordinator
YAZAKI MOROCCO MEKNES SA
04.2017 - 03.2019
Treasury Responsible
YAZAKI MOROCCO MEKNES SA
11.2013 - 03.2017
Senior Accountant
YAZAKI EUROPE LIMITED- PARIS
03.2011 - 11.2013
Financial Responsible
MOMY CONFORT SARL
07.2010 - 02.2011
Accountant
ATLAS ASNI HOTEL
08.2008 - 05.2010
Master of Science - Finance Audit & Controlling
National School of Commerce And Management (ENCGT)
Bachelor of Science - Administration And Management of Tourism And Hotel
International High Institute of Tourism (ISITT)
High School Diploma -
Moulay Ismail High School
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