Twenty-five years,
multiple companies,
different industries,
one pattern.

Brought in when a business has outgrown its finance function—and asked to build the one it should already have had.

Javier reviewing financial plans

Operational finance · Strategic planning · Executive judgment

2016—Present
Murrieta, CA

Jadafer Inc.

Founder & Principal Consultant

Building finance functions for startups that have outgrown their bookkeeping.

  • Create scalable finance stacks—P&L, CRM, OPEX management and reporting.
  • Mentor founders on corporate governance and financial oversight.
  • Run pricing and residual audits, profitability reviews, budgets and forecasts.
2017—2026
Temecula, CA

JJAM Payments / Salus Payments

Co-Founder & Chief Financial Officer

Co-founded and led finance for an independent sales organization in merchant processing.

  • Built planning and forecasting supporting $15M in revenue and $150M in annual processing volume.
  • Owned cash flow, banking, operations, CRM, capital strategy and risk management.
  • Led negotiations with processors, sponsor banks and technology partners.
2016—2017
Temecula, CA

National Merchants Association

Chief Financial Officer & Head of Human Resources

Recruited to give a $70M processor with 180 employees the financial structure it had never had.

  • Built reporting, GAAP compliance, purchasing, AP/AR and payroll protocols.
  • Diversified the portfolio; new offerings reached 10% of business in six months.
  • Cut $500K through tighter controls and purchasing discipline.
2013—2016
Woodland Hills, CA

Total Merchant Services

Director of Finance

Built the full financial structure for a $170M company with 280 employees and $11B in annual processing volume.

  • Owned the Microsoft Dynamics ERP implementation.
  • Built an 18-month rolling forecast and five-year strategic plan.
  • Delivered $2M+ in annual cost reductions and cut month-end close from 30 days to 15.
2006—2013
Glendale, CA

Nestlé USA

International Finance Manager and progressive finance roles

Full P&L ownership of a $150M export division across the Americas, Asia and the Middle East.

  • Grew profits by double digits through market-based pricing.
  • Built an SAP-informed profitability tool for 20+ distributors.
  • Grew sales volume 12% while lowering trade investment.
2004—2006
Cerritos, CA

First Data / Western Union / Orlandi Valuta

Senior Business Development Analyst

Created growth plans that increased transaction-volume growth from 3% to 10% year over year.

2000—2004
Santa Clara, CA

National Semiconductor

R&D Division Controller

Managed worldwide development spend and built Mexico and Brazil business ledgers and controls.