Joyce Okoli, Camls, Fcin Email & Phone Number

• Chairman, Board Risk Management Committee- Member, Board Nominating and Governance CommitteeResponsibilities and Notable Accomplishments:
• Provide visionary governance leadership, contributing to the formulation and execution of strategic objectives, ensuring alignment with industry best practices governing pension fund operations.
• Facilitate open communication channels with key stakeholders, including pension fund members, regulators, and government officials, to promote transparency and accountability.
• Chair the oversight of risk management strategies, ensuring robust frameworks for identifying, assessing, and mitigating risks associated with pension fund operations.
• Lead compliance initiatives, stay abreast of regulatory changes, and collaborate with fellow directors to ensure adherence to industry standards and legal requirements.
• Leverage extensive financial insight to assess and advise on investment strategies, ensuring prudent and diversified investment portfolios to optimise returns for pension fund members.

• Responsibilities and Notable Accomplishments:
• Spearheaded development and implementation of the bank's Anti-Money Laundering/Counter Financial Terrorism (AML/CFT) policy, Whistle-blowing Policy, and other procedural manuals, including the Customer Risk Rating (CRR).
• Pioneered the mandatory annual e-learning online test for all employees and facilitated governance and AML/CFT training for the Board of Directors and Senior Management with the assistance of an external consultant.
• Established strong relationships with diverse teams, including IT, Sales, Legal, and Human Capital Management, to gain a comprehensive understanding of regulatory compliance issues and their impact on business.
• Automated key processes, such as CRR, Whistle-blowing, Compliance Monitoring Process, and Report Rendition, to enhance business efficiency and accountability.
• Served as a liaison with Regulators and Law Enforcement Officers, effectively communicating new regulatory policies and circulars, distilling complex information, and sharing relevant initiatives with stakeholders.

• Managed and directed a team of HR professionals in managing the entire employee lifecycle, from sourcing and selection to onboarding, orientation, and performance management, providing comprehensive reports to the CEO.
• Collaborated closely with Internal Control, Legal, and Audit to develop effective investigation strategies for resolving personnel complaints, ethics violations, and legal matters.
• Utilised exceptional cost-management skills, implementing strategic initiatives such as introducing HMOs as part of the benefits plan, resulting in a 30% reduction in medical benefit costs.
• Conducted a comprehensive review of existing HCM policies, ensuring their relevance, responsiveness, and compliance with current laws and securing the Board of Directors' approval for updated policies.
• Established and maintained a robust organisational communication framework, promoting seamless communication within and across functions, locations nationwide, and subsidiaries in 4 African countries.
• Oversaw payroll coordination for over 3000 staff members, interfacing with key intra-department personnel and managing employee benefits packages, including medical and hospitalisation insurance, vacation, holidays.

• Group Head, Operations, leading and overseeing the holistic management of operations across 230 branches and subsidiaries in The Gambia, Uganda, Liberia, and Sierra Leone, ensuring a cohesive vision, unified.
• Leveraged strong leadership and organisational oversight in coordinating and managing over 2000 Branch Operations staff within the bank's network and subsidiaries.
• Led significant transformation projects, including the Keystone Bank Service Excellence initiative with KPMG (Project Star-Trek) and the Temenos T24 Re-Implementation project, contributing to the bank's strategic.
• Collaborated with Human Capital Management (HCM) to recruit, hire, and train branch operations personnel, managers, and employees in tailored training programs to impact service challenges and workforce development.
• Developed and implemented the "Off-line Transaction Processing Procedure" alongside the IT Team, enhancing operational efficiency and resilience.
• Actively facilitated the development of the bank's corporate strategy, continuously reviewing existing processes and procedures for timely updates and refinement to drive ongoing service improvement.

• Responsibilities and Notable Accomplishments:
• Served as Head Branch Operations Coordinator, efficiently overseeing the operation of over 150 branches, ensuring unwavering adherence to standardised procedures, guidelines, and policies across the bank.
• Conducted regular on-site assessments of service issues in branches, evaluating the overall strength and competencies of Operations staff to enhance service quality.
• Proactively identified operational lapses, implemented corrective measures, established efficient processes, and provided comprehensive staff training for sustained operational effectiveness.
• Worked alongside the IT team to successfully implement Flexcube software, enhancing the institution's technological infrastructure for optimised operations.
• Led service quality initiatives and automated processes, utilising process mapping to identify and eliminate bottlenecks and silos, resulting in streamlined and efficient operations.

• Area Manager: Sales and Marketing, Marina, Lagos- Branch Manager: Idowu Taylor, Victoria Island, LagosResponsibilities and Notable Accomplishments:
• Drove strategic business development and growth across retail and commercial segments in 8 branches under the Marina Area, providing astute supervision to 8 branch managers.
• Collaborated effectively with the team to establish high-performance standards and introduced innovative ideas that Executive Management has adopted and continues to benefit the organisation.
• Leveraged exceptional expertise in credit assessment, conducting thorough evaluations and providing insightful recommendations to management, maximising customer opportunities and relationships, and fostering a.
• Promoted continuous learning and development, designing and implementing comprehensive training programs for the Marina team, ensuring they possessed in-depth knowledge of the bank’s products, processes, and procedures.
• Pioneered initiatives that elevated the bank’s brand presence and product awareness across the branches, ensuring a deep understanding of product offerings and fostering exceptional service delivery.

• Team Lead: Project Flexcube Implementation- Branch Manager: Lagos Central, Oregun, Alaba International, and Breadfruit BranchesResponsibilities and Notable Accomplishments:
• Directed and supervised all aspects of the branch, driving the development of extensive loan portfolios and promoting business growth across retail and commercial segments of the Nigerian market.
• Managed the administration of 8 Cash Offices across the bank’s branch network, ensuring seamless financial operations and customer satisfaction.
• Consistently exceeded business development goals, propelling total branch deposits to new heights while maintaining stringent expense control measures.
• Led a team of retail banking experts in implementing the Flexcube Retail Banking Module, overseeing project execution from conception to successful deployment.
• Spearheaded nationwide operations staff training on cash and teller, customer service, and funds transfer modules of the bank’s Flexcube software, ensuring seamless system adoption and enhancing operational efficiency.

Nkpor, Anambra State, Nigeria

• Engineered a remarkable turnaround, transforming a previously loss-making branch into a profitable entity within a record-breaking 7 months.
• Achieved an astounding 100% resuscitation rate for dormant accounts, revitalising a dormant customer base and boosting branch profitability.
• Developed new account relationships with meticulous care, nurturing customer loyalty and expanding the branch’s clientele.
• Championed community involvement and spearheaded new business development initiatives, fostering a thriving customer base and expanding the branch’s reach.
• Established a robust pipeline of new commercial business through an effective officer-calling program, expanding the branch’s revenue streams and solidifying its market position.

• Steered the operational excellence of the branch, encompassing Customer Service, Cash and tellers, and local and foreign Funds Transfer Units.
• Exercised thorough control over account openings, closures, statement renditions, and customer documentation follow-ups, ensuring adherence to regulatory standards and customer satisfaction.
• Conducted comprehensive credit analysis for individual and corporate clients, including financial analysis, industry comparisons, transaction history review, and collateral adequacy assessment.
• Managed and mentored a team of business development analysts, providing guidance and ensuring high-quality credit risk analysis and reporting.
• Led and managed a team of customer service representatives, ensuring exceptional customer satisfaction by resolving issues promptly and effectively.
• Streamlined customer onboarding processes by efficiently reviewing and approving individual and commercial account openings, maintenance, and updates.

Certificate In Business Excellence, Business Administration, Management And Operations

Master Of Business Administration - Mba, Business Administration And Management

Master Of Law And Diplomacy, Law

Barrister At Law - Bl, Law

Bachelor Of Laws - Llb, Law