No need to wait--you have a good profile with many interesting aspects. I will try to address your specific questions:
1) Good grades in quant coursework can indeed help balance GMAT, but in general, b-schools are more concerned about a low quant than a low verbal, so i would also emphasize any quantitative requirements of your job as well to show you will be able to 'hang' with the rigors of graduate level math courses such as financial modeling, statistics etc.
2) Adcoms look at all your transcripts, so the 4.0 will count, but since it was from a lower ranked school, you will be glad you transferred, as it makes a big difference in where you went to UG to the adcoms. top 20 school will help you.
3) Great that you are involved in the community. b-schools want students who are more than just workaholics and demonstrate passion for giving back. Not having done so in college will be easier to handle in the application than if it were the other way around (iow no involvement post college).
4) Recos are best written by someone who knows your abilities and can comment specifically on your performance, so if your new boss does not meet this requirement, go with older supers. This is an excusable move by the adcoms.
5) Career switching is very common in b-school, but you need to be careful how you cast your vision. You want to sound like you have been strategic in this move and have prepared yourself professionally to make it. In other words, don't make it seem like b-school is the 'ticket' to enable the switch, but rather that your experience and background has prepared you for it and b-school is another piece of the partially assembled puzzle.
6) Working and travellling abroad is always a good piece of the profile, and yes you will get 'credit' for having done so. B-schools are composed of as much as 40% international students, and it is getting more and more important in the global economy to have an international perspective, whether or not you end up doing any work internationally.
Let us know if we can be helpful as you prepare applications.