ECR is a platform designed to capture and aggregate the views of country risk experts across 23 variables.>Perform quarterly economic and geopolitical research to assess sovereign risk, specializing in risk scoring for eight Francophone West African nations.

Ecobank Togo is the nation’s leading bank in terms of profitability and ranked second in market share and assets under management. With a staff of 14,000, Ecobank Group has operations in 36 countries across Africa.> Directing a staff of 13 officers, lead an integrated risk management unit that provides research and technical insight on credit, market, liquidity, operational, and sovereign risks and internal control strategies.> In charge of the bank’s risk culture, risk strategy, and the design and implementation of the risk appetite.> Analyze, measure, approve, and communicate complex risks to multiple stakeholders, including executive management, business leaders, functional heads, and regulatory supervisors.> Perform stress testing on credit applications, loan portfolios, and bank liquidity to assess risk levels across a range of plausible economic scenarios.> Created and implemented protocols to perform internal risk-based assessments of capital requirements in compliance with new ICAAP and ILAAP requirements.

> Managed the bank’s internal audit team while leading on developing the bank’s risk cartography and audit strategy.> Designed a three-year audit strategic plan and an action plan to improve the bank’s internal audit and operational processes; implemented the International Standards for the Professional Practice of Internal Audit.> Designed and implemented the bank’s first quality assurance program, following guidelines by the Institute of Internal Auditors, to comply with new central bank requirements instituted in 2018.> Created a more robust control environment and increased fraud awareness, leading to a decline in fraud events and a reduction in operational losses.> Served as the primary point of contact with the regulatory community.

> Managed corporate and domestic loan portfolios comprised of local subsidiaries of multinational corporations, local corporates, SMEs, and retail borrowers.> Performed credit risk analyses on borrowers applying for corporate loans, international loans and trade finance transactions, commercial/residential mortgages and construction loans, and personal loans.> Analyzed borrower’s financial fundamentals and cash flows; performed stress testing and structured collateral to limit credit risk exposure and facilitate credit-granting decisions by the Credit Committee.> Analyzed the bank’s placements and exposures to other financial institutions to inform Ecobank’s Group Market Risk Department of total placements, borrowings, and guarantees with affiliates and other banks.

> Raised inconsistencies and compliance challenges related to new tax legislation that prompted the Togolese parliament to clarify two tax laws in 2014.> Conducted semi-annual independent evaluations of the bank’s loan portfolio, analyzing the financial fundamentals of counterparties, assessing financial and obligor risk ratings, and recommending appropriate downgrading and loan loss allowances.

KPMG is a global network of professional firms providing audit, tax, and advisory services.> Performed 30+ audit engagements with public and private companies located in Togo, Ivory Coast, Senegal, and Benin. Served clients in retail banking, investment banking, manufacturing, retail, mining, and international shipping, many of which were branches of leading European firms with IFRS reporting requirements.> Led multicultural audit teams of three to five professionals while demonstrating strong analytical and quantitative skills, and a sound understanding of IFRS, French accounting standards (PCG), and Western and Central African accounting standards (SYSCOHADA).