I led a programme team to implement a new instant payments rail, as part of a South AfricanBanking industry implementation called PayShap (Rapid Payments). The new payments rail includes an instant clearing rail and two overlays services – Proxy Payment and Request To Pay (All ISO 20022). I am accountable for end to end delivery, across the Absa Group, including all technical, product operationalisation and go-to-market activities.• Together with the accountable executive, set the strategic vision, drivers, roadmap, approach and own the iterations to strategy based on business objectives, competitive dynamics and collaboration with business unit product heads.• Accountable for setting up programme governance structures, steering committees and executive communications to ensure the right decision-making structures/processes are in place.• Accountable for a multi-million rand programme budget.• Instrumental in building a programme team of over a 100 people (matrix environment), comprising architects, UX designers, business analysts, developers, testers, change managers, process analysts, scrum masters and project managers• Partner with senior management, across federated business units, to assess/evaluate delivery strategy and approach to best suit the business unit value propositions.• Develop and lead cross-functional technical teams to build and implement the new ISO 20022 payment rails, including implementation in a cloud environment, development of new channel payments flows and implementation of a new core banking service architecture.• Partner with teams (product, design, technology, risk, legal, compliance, operations, marketing, sales) to ensure new payment rails comply to all required banking controls and regulatory standards.• Engage in banking industry programme workshops/working group sessions to provide input/discuss industry requirements and feed this back into Absa programme.

Riparian is an advisor to a Private Credit - Alternative Investment Fund– $1.4BN High Yield Debt Fund focused on Trade Finance in Africa. Operations in SA, Mauritius, Kenya, London, Ghana and Ivory Coast.I am accountable for the overall transformation strategy and execution thereof. This includes selection and implementation of new technologies and improvement of the operating model to build a foundation for growth and innovation for the fund to better service the borrowers and investors.

I led a programme team to transform the payments capability across 10 African countries. The transformation laid the foundation for Barclays Africa to advance its payments offering as well as provide a seamless customer experience given the level of automation being delivered. The programme entailed implementing Domestic Low Value, Domestic High Value, International Payments and Instant Payments engines into each country to abstract the payments processing capability out of core banking and into a tiered architecture thereby replacing the manual legacy environment. This is an extremely complex programme in that the payments engines first needed to be developed and then integrated into the current core banking and channel environment. Given the scale of the programme, we adopted principles from Agile and SaFe (Scaled Agile Framework) to enable the multiple development teams to build payments capabilities. In addition, this enabled accelerated customer value and incremental delivery of the capability. Main Responsibilities:• Together with the Accountable Executive, set the strategic vision, drivers, roadmap and approach for the programme• Accountable for a multi-million pound budget including business case development and benefits realisation• Instrumental in growing a programme team from 3 people to roughly 100 comprising architects, business analysts, developers, testers, change managers, process analysts, scrum masters and project managers • Engagement with country C level and MD stakeholders in centre and across each country to drive delivery• Leverge methodologies like agile, scrum, SaFe• Implementation payment product capabilities into 10 countries as well as integration in to SWIFT, domestic clearing house and domestic instant payment clearing switch• Development team has adopted leading OpenSource technology to build the technology stack• Risk management across the entire programme

Key Achievements:In the capacity as a Product Owner, I led a team that redesigned the Client/Product On boarding process and client experience for Barclays Capital. Through the implementation of technology, adopting lean process management and a change in the operating model, on boarding times have been reduced, the process is digital and the client experience has improved. AML/KYC Regulatory risk has reduced. Main Responsibilities:• Management of a multi-million rand project budget and project team numbering 17• Engaged with C-level and MD level executives to drive change across Front-Back office functions affecting the COB process.• Acted as a Product Owner and assembled a development and implementation team to manage the development, implementation and change management process• Run the project using Agile/SCRUM processes which led to a productive mature development team, and immediate time to market and quality benefits• Adopted Client Experience methodologies (e.g. Outside-In methodology by Steven Towers) to design the Customer Journey and reduce the moments of Truth Clients experience when engaging Barclays• Drove an innovation agenda to deliver change that would leapfrog the bank into the Digital Age. • Engaged IT, Business and Compliance stakeholders to design the target Operating Model and IT Architecture• Development of business cases for proposed solutions• Management of external vendors and consultants

Main responsibilities include:• Advising clients on issues relating to Business Transformation, Target Operating Models, Business Architecture and IT Strategy• Advising clients in the Financial Services Industry (Engaged with C- level executives)• Managing client projects • Managing client related issues• Business Development• Managing/Coaching/Mentoring resources• Development of internal IPKey Projects:• Assisted a retail bank in transforming their unsecured lending business and supporting IT environment. • Assisted a Greenfields retail bank in obtaining a banking license and designing their future operating model. Part of the project entailed the development of a Customer Centric Target Operating Model for the future retail bank.• Development of a sanctions screening capability across a federated insurance group. • Development of an IT strategy for a Greenfields mining company

Key Achievements:Developed a MIS platform that reduced the reporting period from 20 working days to 3 working days; in doing so became a strategic source of information and analytics to global Investment Bank senior managementMain Responsibilities:• Developed a framework for reporting IB Client Sales Credits MIS (Day 1 profit & Loss) at a country level. This was based on Country of Domicile of the client and the Country of Coverage• Reporting and commentary encompassed all the Credit Suisse Investment Bank products across all global regions (US, EMEA, AsiaPac)• Liaised with product teams to confirm/validate product revenue and budgets per country• Designed and developed the architecture required to produce a global set of reports on a monthly basis. This involved developing a full end-to-end database combined with a fully automated reporting platform• Managed the monthly reporting process• Developed client metric reporting processes and analytics• Collaborated with the Global IT development teams in order to design and build the data feeds required• Liaised with MIS teams in the US, Asia Pacific and EMEA regions to provide insight into the numbers• Collaborated with the Key Client Teams and provide Global/EMEA Key Client information• Developed EVA (Economic Value Added) reporting for senior management

Key Achievements:Managed a team of two people and designed and implemented a P&L reporting system that produced significant time savings in addition to increasing the efficiency and accuracy of reporting within the Product Control divisionMain Responsibilities:• Improved the operating efficiency of the Product Control team through the development of a Daily Profit & Loss reporting system that involved a full back-end aggregation of data. The system integrated PL from various product platforms (Front and Back Office).• Redesigned the front end product control workbooks to deliver more dynamic reporting and reduce operational risk. The new front end led to significant improvement in accuracy and speed of P&L reporting.• Leveraged off reference/mapping data to split the data by product and business unit• A front end reporting system was developed to view the PL per business unit, product and currency – all reconcilable to the general ledger. • Development of FTP (Funds Transfer Pricing) models to view balance sheet funding per business unit, product and currency• Developed Back Office/Front Office reconciliations per product• Developed Back Office/General Ledger Reconciliations• Developed PL attribution models across various products• Developed additional reporting required by the Product Controllers• Assisted the Product Controllers in dealing with daily PL issues• Liaised with Product Control managers to ensure data integrity• Engaged with Traders to discuss balance sheet funding/PL issues• Managed project timelines and deliverables

Key Achievements:Development of a Daily Spot balance Sheet process for the entire JPM/BankOne Company. Involved extracting data from various global Balance Sheet ledgers, processing data and producing data models for global CFO’sMain Responsibilities:• Integrated 60 global balance sheet Ledgers on different platforms into one consolidated total firm wide view with a drilldown by Organizational Cost centers, JPMorgan Entities and Accounts• Integration of firm wide General Ledger reference data in order to implement a single consolidated view.• Analysis/Design and Implementation of the Balance Sheet Production Models (Access Database’s via Oracle Interface)• Development and maintenance of data reporting models (Excel Finance Models, VBA Backend)• Liaise with business clients to ensure data integrity• Monthly reconciliation between JPM corporate reporting Information System (Hyperion) and the Spot Balance Sheet process• Engaged with development and operations teams in multiple global locations (e.g. New York and Mumbai)• Documentation of Month end processes• Off-shored the entire process to a team in India. This included developing rigorous operations processes. • Developed training documentation and assisted in training the off shore resources. • Managing project timelines and deliverables

Key Achievements:My role entailed designing of Day0, Day1 and Interim procedures/processes per department to mitigate risk pertaining to the system conversion to CAMS Acquirer. Main Responsibilities:• Ensured that the conversion from the legacy system to CAMSII had minor impact on the credit card business operations.• Research and document the financial accounts and processes surrounding the back end system and the general ledger in the credit card payments division• Designed a Statement Generating Macro to produce month end statements for American Express merchants. (Using Excel and VBA). Achieved cost reduction due to automating a manual process.