As a leader in the Global Risk group, I am responsible for overseeing Operational & Compliance Risk (OCR) and driving the successful deployment of diverse programs, aligning with Visa's commitment to robust risk management and regulatory compliance. My responsibilities involved continuous collaboration with both internal and external stakeholders, including regulatory bodies, with a primary focus on ensuring the consistent execution of program policies, procedures, and controls across various corporate functions and regions.

As the Global Head of Operational Risk Management (ORM), I ensure our organization effectively identifies, assesses, and manages operational risks, cultivating a strong risk culture across all levels. Leading a team of seasoned risk professionals, I spearhead the implementation of a comprehensive ORM framework tailored to our unique organizational needs. I oversee the procedures, guidelines, standards, and ORM framework, ensuring a consistent approach to managing operational risk across the organization.A key component of my role involves managing and coordinating a comprehensive Risk and Control Self-Assessment (RCSA) program. This includes conducting control testing and collaborating with business stakeholders to proactively manage issues and risk events. My efforts extend to preparing detailed reports for senior governance committees, and engaging with regulatory bodies like the FBA, FFIEC, and OCC during their ongoing monitoring reviews.Furthermore, I collaborate with the ERM team to align top risks, risk appetite, and key risk indicators with the current and emerging risks faced by our business. I am also responsible for maintaining and enhancing the ORM platform, including reporting and data quality management. By championing a robust risk culture, my team and I foster open communication across the organization, highlighting the significant benefits of effective risk management.

Entrusted with a broad portfolio of responsibilities including Strategic Risk Management, Credit Settlement Risk and Ecosystem Risk (Fraud & Data Security) for Visa Sub-Saharan Africa.Sub-regional responsibility for championing security in the industry and maintaining the integrity of the payments ecosystem covering issuing and acquiring banks, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways.

Overall responsibility to direct the efforts of a team of 40 risk professionals responsible for the 1st Line of Defence (1LoD) capability across the Distribution, Coverage and Operations business units (+/- 18,000 FTE) of the Retail Business Bank. The remit also includes risk oversight for Business Bank & Private Bank Segments.The core functions within the remit of the team includes governance and reporting, strategic change oversight and solution engineering; proactive controls assurance and issue closure validation, decision support and predicative analytics, transition due diligence and business resilience.

Responsible for establishing a 1st LOD capability across the captive back-office (c.6000+ FTE) of Barclays Africa. Core focus on de-risking the business by engineering-in robust controls and reducing complexity through automation. Key responsibilities for the role include:• Framework Governance & Reporting – Embedding ERMF requirements across Africa Operations BU's and standardising the approach to governance and reporting.• Assurance Management – Co-ordinating Combined Assurance activities, maintaining a programme of on-going testing and issue closure validation.• Business Resilience – Embedding a consistent approach to Business Continuity Planning (incl. Documentation, Planning, Validation, Crisis Management, etc.) and Information Risk Management (Information Security, Data Privacy, Records Management, Logical Access Management, etc.)• Change Management & Oversight – Providing Risk support on all change initiatives (e.g. Automation, Transitions, Process Improvement, etc.) and direct ownership of risk, compliance and regulatory change initiatives.

Overall responsibility for managing a team of Embedded Risk Managers responsible for Operational Risk across the following business units:- Client Support Centre- Financial Processes (Payments, Authorisations, Reconciliations)- Non-Financial Processes (Client Take-On, Product Admin, KYC)- Fraud- Records Management (Scanning & Indexing)- IT (Systems, Applications, Projects & Infrastructure)

Worked as a independent contractor within the Financial Risk Services team focused on identifying new client/ project opportunities across Financial Risk Management, Regulatory Compliance and Reporting.

Formed part of a specialist team of consultants advising on strategic and implementation challenges within the Broad-Based Black Economic Empowerment legislative framework. Noteworthy clients include Anglo American, Xstrata Alloys, Absa Capital, Sasol & Total Coal. Key responsibilities included:• Principal liaison between client and verification agents - Supporting clients through their B-BBEE verification process• Producing technical commentary on the interpretation of the B-BBEE Code of Good Practice• Business Development (new & existing clients) and industry research

• Workstream Lead - 3rd Party Management and Vendor Risk Assessment for a new short-term insurance business.• Project Lead responsible for supporting a Tier 2 achieve 100% compliance to the National Credit Act (incl. regulations)• Established the Operational Risk Management capability in 2007 and successfully grew it into a profitable business unit until I left the company in 2010. During this time my key achievements include: - Operational Risk SME on the implementation of a SAS OpRisk Monitor solution for a Saudi based banking group - SME responsible for co-ordinating the Key Risk Scenario (KRS) Benchmarking process and the roll-out of the Operational Risk Management Framework for the Investment Banking arm of a major South African Bank. - Project managed an end-to-end/ clean slate review of the control environment for the Investment Banking arm of a major South African Bank. This was achieved in a period of 12 weeks with significant engagement at a senior management level.

• Part of a 100+ consulting team managing the overall implementation of a core banking platform for a multi-national banking group. I was intimately involved in business process definition, KPI definition, systems testing and paper-based simulations.• Overall responsibility for the 3rd Party Service Management workstream including - stakeholder engagement, SLA definition (aligned to ITIL standards) and client sign-off.• Part of a 5 person consulting team which conducted a maturity assessment of the IT function of a major SA Bank.• Overall responsibility for the business case and benefits realisation plan for the re-engineering of the Securities & Collateral Management and Home Loans back-office for a major SA Bank. The multi-year business case articulated overall benefits in excess of ZAR 100m.• Worked as part of a small team of strategy consultants responsible for defining the Origination strategy for the Home Loans business of a major SA Bank.• Lead Sourcing Consultant responsibility for identifying savings opportunities on large multi-year contracts in the IT & Telecomms Category.