Our Experts
Welcome to The Digital Agency
Meet our team of seasoned professionals who provide unparalleled consulting and training services tailored to your business needs.
Our Team
Lemuel Tiu, CPA, CMA, CFC, CrFA, CICA, CRA, CRM
Founder
Lemuel is the visionary founder of CFO Anytime, an innovative firm delivering expert chief financial officer services across various industries. His extensive credentials include Certified Public Accountant, Certified Management Accountant, Certified Financial Consultant, Certified Forensic Accountant, Certified Internal Control Auditor, Certified Risk Analyst, and Certified Risk Manager, equipping him with a multifaceted skill set that spans diverse aspects of financial management and strategy.
Lemuel’s rich professional background covers a broad spectrum of sectors including audit and accounting, consumer goods, sales and distribution, furniture manufacturing, business process outsourcing (BPO), consumer electronics, banking, and medical equipment distribution. This wide-ranging industry exposure enables him to bring unique insights and tailored financial solutions to each client, addressing specific industry challenges and opportunities with precision and innovative thinking.
At CFO Anytime, Lemuel has cultivated a reputation for excellence, underpinned by his deep commitment to integrity, accountability, and strategic foresight. His ability to navigate complex financial landscapes and implement robust financial controls and risk management strategies has made CFO Anytime a trusted partner for businesses looking to achieve sustainable growth and operational efficiency. Through his leadership, Lemuel has not only advanced the financial strategies of numerous organizations but also mentored a team of professionals to excel in the dynamic world of finance.
Lemuel’s rich professional background covers a broad spectrum of sectors including audit and accounting, consumer goods, sales and distribution, furniture manufacturing, business process outsourcing (BPO), consumer electronics, banking, and medical equipment distribution. This wide-ranging industry exposure enables him to bring unique insights and tailored financial solutions to each client, addressing specific industry challenges and opportunities with precision and innovative thinking.
At CFO Anytime, Lemuel has cultivated a reputation for excellence, underpinned by his deep commitment to integrity, accountability, and strategic foresight. His ability to navigate complex financial landscapes and implement robust financial controls and risk management strategies has made CFO Anytime a trusted partner for businesses looking to achieve sustainable growth and operational efficiency. Through his leadership, Lemuel has not only advanced the financial strategies of numerous organizations but also mentored a team of professionals to excel in the dynamic world of finance.
Joyce Salcedo, CMA, CFC
Co-Founder
Joyce stands as a co-founder of CFO Anytime, bringing over 34 years of comprehensive experience across a broad spectrum of sectors such as accounting, finance, auditing, financial reporting, purchasing, and marketing. She presently serves as Vice President and Comptroller at The Baron Travel Corporation, one of the largest travel agencies in the Philippines. In this role, Joyce has proven her adeptness in spearheading strategic financial initiatives and upholding operational excellence.
Beyond her corporate obligations, Joyce exhibits a profound entrepreneurial spirit, managing multiple ventures across accounting, HR, recruitment, marketing, and training services. This diversification not only showcases her versatile business acumen but also her commitment to exploring various business dynamics.
Her passion for continuous professional development is evident through her credentials as a Certified Management Accountant and her active participation in the Certified Financial Consultant Program, continuously enriching her vast financial expertise.
With a solid record of professional excellence and a commitment to ethical standards, Joyce Salcedo continues to make significant contributions across all her endeavors. She excels in environments that prioritize innovation and strategic planning, eager to apply her extensive knowledge and skills to foster success and drive growth in the evolving business landscape.
Beyond her corporate obligations, Joyce exhibits a profound entrepreneurial spirit, managing multiple ventures across accounting, HR, recruitment, marketing, and training services. This diversification not only showcases her versatile business acumen but also her commitment to exploring various business dynamics.
Her passion for continuous professional development is evident through her credentials as a Certified Management Accountant and her active participation in the Certified Financial Consultant Program, continuously enriching her vast financial expertise.
With a solid record of professional excellence and a commitment to ethical standards, Joyce Salcedo continues to make significant contributions across all her endeavors. She excels in environments that prioritize innovation and strategic planning, eager to apply her extensive knowledge and skills to foster success and drive growth in the evolving business landscape.
Ivy Claire Bonsa, CPA
Business Development
Ivy Claire Bonsa, CPA, is a highly respected professional with exceptional skills in managing startup businesses, underpinned by a solid background in business management and internal auditing. Her expertise in project management and sharp business acumen allow her to effectively enhance operational efficiencies and foster growth. Known for her unwavering integrity, Ivy consistently upholds and raises the ethical standards of the organizations she collaborates with.
Her strong foundation in business operations and internal audits enables her to adeptly identify opportunities, manage risks, and propel business growth. Ivy’s skill in navigating complex business environments ensures compliance and operational effectiveness, making her a vital asset to any venture. Her contributions significantly boost business performance and cultivate a culture of transparency and ethical practices.
Her strong foundation in business operations and internal audits enables her to adeptly identify opportunities, manage risks, and propel business growth. Ivy’s skill in navigating complex business environments ensures compliance and operational effectiveness, making her a vital asset to any venture. Her contributions significantly boost business performance and cultivate a culture of transparency and ethical practices.
Cyril Anne Dañas, CPA
Accounts Management Lead
Cyril Anne Dañas, CPA, brings a wealth of experience and dedication to her role as Accounts Management Lead at CFO Anytime. With a solid background in accounting and finance, Cyril is a highly detail-oriented professional committed to delivering exceptional service and optimizing financial resources for clients. Her credentials underscore her expertise and commitment to maintaining the highest standards in accounting, being a Certified Public Accountant since 2011. Cyril has three years of proven experience in bookkeeping, ensuring accurate financial records and compliance with regulations. Additionally, she has two years of experience in internal auditing, evaluating and improving internal controls, risk management, and governance processes. Cyril also boasts five years of experience teaching Accounting and Business courses to undergraduate students, demonstrating her ability to convey complex concepts clearly and effectively.
Cyril’s skills and attributes make her an invaluable asset to CFO Anytime. She is certified in QuickBooks and Xero, ensuring efficient and accurate financial management. Her strong knowledge of Generally Accepted Accounting Principles (GAAP) is essential for maintaining financial integrity. Known for her meticulous and organized approach, Cyril manages multiple tasks with precision. As a proactive problem-solver, she is resourceful in identifying and addressing issues to deliver high-quality results consistently. Her tech-savvy nature is evident in her proficiency with MS Excel, Google Workspace, Zoom, and other productivity software, enhancing overall productivity and efficiency. Fluent in English, Cyril possesses excellent communication skills, crucial for clear and effective interactions with clients and team members. She is a reliable team player who can also work independently to achieve objectives. Her expertise in internal auditing allows her to evaluate and improve financial processes and controls effectively. Additionally, she is knowledgeable in social media marketing, leveraging platforms to enhance business presence and engagement.
Cyril values integrity and professionalism in all her endeavors. As a self-starter, she is dedicated to providing expert financial insights and assistance to clients, helping them optimize their resources and improve overall efficiency and productivity. Her commitment to continuous learning and improvement ensures she stays at the forefront of industry trends and best practices. At CFO Anytime, Cyril Anne Dañas, CPA, is ready to bring her extensive experience and skills to help clients navigate their financial challenges and achieve their business goals.
Cyril’s skills and attributes make her an invaluable asset to CFO Anytime. She is certified in QuickBooks and Xero, ensuring efficient and accurate financial management. Her strong knowledge of Generally Accepted Accounting Principles (GAAP) is essential for maintaining financial integrity. Known for her meticulous and organized approach, Cyril manages multiple tasks with precision. As a proactive problem-solver, she is resourceful in identifying and addressing issues to deliver high-quality results consistently. Her tech-savvy nature is evident in her proficiency with MS Excel, Google Workspace, Zoom, and other productivity software, enhancing overall productivity and efficiency. Fluent in English, Cyril possesses excellent communication skills, crucial for clear and effective interactions with clients and team members. She is a reliable team player who can also work independently to achieve objectives. Her expertise in internal auditing allows her to evaluate and improve financial processes and controls effectively. Additionally, she is knowledgeable in social media marketing, leveraging platforms to enhance business presence and engagement.
Cyril values integrity and professionalism in all her endeavors. As a self-starter, she is dedicated to providing expert financial insights and assistance to clients, helping them optimize their resources and improve overall efficiency and productivity. Her commitment to continuous learning and improvement ensures she stays at the forefront of industry trends and best practices. At CFO Anytime, Cyril Anne Dañas, CPA, is ready to bring her extensive experience and skills to help clients navigate their financial challenges and achieve their business goals.
Mohit Garg, BE, MSc
Principal Consultant for Business Strategy and Commercial Operations
Mohit is a global professional with a strong focus on strategic thinking and commercial acumen, bringing over 13 years of experience in customer-facing roles such as Business Development, Commercial Operations, Go-to-Market Strategy, Marketing, and Market Research & Analysis.
His diverse career includes working for his family business, a boutique consultancy firm, and a multinational corporation like General Electric (GE), covering South East Asia. He has also ventured into the start-up space, gaining valuable insights despite limited success. Mohit holds a Bachelor’s degree in Electronics Engineering from India and a Master’s degree in International Business from Nottingham, UK.
With a pluralistic view on life, Mohit was born and raised in India and has lived, studied, and worked in over 10 cities across four different countries.
Since 2015, he has been based in Manila, Philippines, with his family. Outside of work, Mohit enjoys reading, playing sports, and traveling. He is also deeply passionate about health, spirituality, and entrepreneurship.
His diverse career includes working for his family business, a boutique consultancy firm, and a multinational corporation like General Electric (GE), covering South East Asia. He has also ventured into the start-up space, gaining valuable insights despite limited success. Mohit holds a Bachelor’s degree in Electronics Engineering from India and a Master’s degree in International Business from Nottingham, UK.
With a pluralistic view on life, Mohit was born and raised in India and has lived, studied, and worked in over 10 cities across four different countries.
Since 2015, he has been based in Manila, Philippines, with his family. Outside of work, Mohit enjoys reading, playing sports, and traveling. He is also deeply passionate about health, spirituality, and entrepreneurship.
Mike San Diego, CPA, MBA, CFC, CICA
Principal Consultant for Finance Strategy
As Senior Vice President and CFO, Mike San Diego has consistently demonstrated a steadfast commitment to bottom-line growth and a strategic approach to risk and tax management. His analytical skills have been pivotal in navigating complex financial landscapes, ensuring robust internal controls, and driving operational excellence.
With over three decades of experience, Mike’s career has been defined by his dedication to cross-functional expertise within the finance domain. He excels in crafting compelling data narratives that empower decision-making. As a strategist, he embraces a big-picture mentality, aligning financial goals with corporate vision, and advocating for sustainable practices that contribute to our shared global responsibility.
Em Doria
Principal Consultant for HR Strategy
Em is a seasoned Human Resources Executive with over 25 years of extensive experience. Throughout her career, she has excelled in shaping high-performing cultures at Best Place to Work companies. As a dynamic HR professional, she has a proven track record of building strong organizational cultures and developing executable strategies that drive company growth and foster the development of high-performing teams. Em has held key positions in various industries, predominantly within multinational companies, including FMCG (Fonterra Brands, Campbell’s Arnott’s Philippines), Automotive (BMW Philippines, Toyota Manila Bay Group, CATS Motors Group), Services (Sodexo Philippines), and Hi-Tech Consumer Electronics (LG Electronics).
Em’s industry expertise and contributions have earned her significant recognition. She was named one of the Top Most HR Leaders in Asia Pacific by the World HRD Congress and Awards in Singapore and the Philippines in 2023. She has also contributed to APAC HR Magazine on topics related to Talent Management and Organization Development and was chosen by Solarium as one of the top 50% HR Leaders in the Philippines. Notably, she was awarded the No.1 HR Head in Sodexo Global for her successful implementation of EE activities for Quality of Life across 34 countries.
Em’s industry expertise and contributions have earned her significant recognition. She was named one of the Top Most HR Leaders in Asia Pacific by the World HRD Congress and Awards in Singapore and the Philippines in 2023. She has also contributed to APAC HR Magazine on topics related to Talent Management and Organization Development and was chosen by Solarium as one of the top 50% HR Leaders in the Philippines. Notably, she was awarded the No.1 HR Head in Sodexo Global for her successful implementation of EE activities for Quality of Life across 34 countries.
Efren L. Elane
Senior Business Consultant
Efren L. Elane is a seasoned Executive and Family Business Coach, Mentor, and Leadership Consultant who brings a wealth of knowledge to CFO Anytime. Internationally recognized as a Senior Professional Certified HR Executive, Efren has over 34 years of HR leadership experience. His innovative approach blends tools from the Neuroscience of Conversation® and Conversational Intelligence® to foster high-impact results for businesses, leaders, and their teams.
Efren co-creates strategies with business owners and leaders to help them thrive in ever-evolving environments. His approach focuses on:
Efren’s academic credentials include a Certificate in Strategic Business Economics from the University of Asia & Pacific and Fellowship in Life Management Institute with Distinction from Atlanta, Georgia, USA. His experience spans industries including finance, healthcare, manufacturing, and retail, and he has a strong advocacy for agribusiness and natural farming technologies.
Efren co-creates strategies with business owners and leaders to help them thrive in ever-evolving environments. His approach focuses on:
- Building trust, teamwork, and culture even in the face of uncertainty.
- Unleashing growth potential, accelerating sales, and enhancing creative engagement.
- Mapping and achieving desired business, leadership, and performance outcomes.
- Balancing corporate success with personal well-being and fulfillment.
Efren’s academic credentials include a Certificate in Strategic Business Economics from the University of Asia & Pacific and Fellowship in Life Management Institute with Distinction from Atlanta, Georgia, USA. His experience spans industries including finance, healthcare, manufacturing, and retail, and he has a strong advocacy for agribusiness and natural farming technologies.