Alpha Tayo-Olugbode

Experience

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  Capital investments ltd/ ayodeji akintola & co

  Oct 2010 - Jan 2011

  Audit personnel

  • Financial statements/ data for review.• Forensic audit, accounts verifications.

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  Accion Microfinance Bank Limited

  Sept 2011 - Feb 2012

  Internal Audit and Control

  • Receipts call-over, receipt verification, customer verification, branch performance• Quarterly inspection of the bank’s branches, environment and customer satisfaction.• Client verification exercise, which entailed going to various client locations to verify if the clients truly existed with transactions as recorded.• Internal audit, which allowed for checks on head office admin activities as well as staff behavior.• Verification of loan files, customer information and identification, as well as savings account opening packages. Show less

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  Accion Microfinance Bank Limited

  Jun 2013 - Jan 2014

  Customer Service Officer

  • Update customer details in line with bank’s policy.• Imputation and opening of accounts.• Daily spooling of list of customer accounts.• Issuing of ATM cards to customers.• Attending to clients when they need any help/advice, as regards the bank's services.

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  Zedvance Limited

  Mar 2014 - Mar 2017

  Credit Analyst

  • Develop relevant risk management policies in line with global best practices.• Attend to all matters on Credit Risk Management. Co-ordinate activities in Risk Management, Credit Management. Designing of risk management framework for risk identification, measurement and management for clients – Credit Risk.• Final stage of thorough Underwriting on all customer applications. Ensure that all credit approvals, KYC are in place, documentation is duly executed, and that the company’s interest is well protected. • Manage relationships with Credit Bureaus. Monthly Rendition of Credit reports to the Credit Bureaus.• Ensure that accounts identified as problematic are placed on the watch list and re-risk graded to reflect their current irregular status.• Ensure that covenants and approval conditions for facilities are recorded, diarized and followed up effectively.• Ability to detect fraud, fraudulent applications and falsified / forged documents.• Ensuring that all regulatory policies and procedures are in place and understood strictly adhered to by the business unit.• Undertake periodic portfolio review to ascertain the total risk assets of the company and determine the different categories of loans (performing, non-performing, expired, expiring, etc.) and make immediate recommendations to management. Preparation of various reports on all Loans for Management meeting.• Provide step-by-step checks and balances on daily monitoring of customer credits and repayments. Show less

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  Pledge Finance Limited

  Apr 2017 - Jun 2019

  Head Of Risk Management

  • Responsible for Risk Management and Operations. In this role, I am responsible for the entire risk management value chain, from loan origination to loan collections and recovery. Chief/Principal functions is to plan, coordinate, control and direct all lending procedures of the Bank, in such a way as to minimize risk and ensure profitable lending.• Responsible for the recovery company, JQM (everything that has to do with strategy, analysis, reporting and proper work flow).• Review lending policies and procedures on a periodic basis and submit appropriate improvement plans and strategies.• Designing of risk framework for risk identification, measurement and management of clients – Credit Risk.• To design, develop and implement appropriate measures to monitor performance as well as identify areas for improvement in my areas of responsibility, culminating in monthly reports to Executive Management and the Risk Management Committee.• Final stage of thorough Underwriting on all customer applications. Ensure that all credit approvals, KYC are in place, documentation is duly executed, and that the company’s interest is well protected.• Responsible for the management and development of staff in the risk management functions of the company• Manage relationships with Credit Bureaus & monthly Rendition of Credit reports to the Credit Bureaus.• Setup proper strategies, recruitment suggestions and staff development. Show less

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  Page Financials

  Jul 2019 - Sept 2022

  Head, Credit Operations

  • Evaluating clients’ credit data and financial documents in order to determine the degree of risk involved in lending.• Preparing periodic portfolio and customer segmentation data.• Ensure consistent adoption, application and compliance of risk management framework and policies across the organization.• Assist in drafting specific credit risk policies, standards, procedures and guidelines to manage the credit risk cycle (identify, measure, monitor and mitigate/control).• Periodic validation of existing credit risk rating models.• Conferring with clients to verify their financial/credit transactions and to resolve complaints.• Oversee the bank's loans approvals process.• Design of Risk Management Framework for risk identification, measurement and management for clients – Credit Risk, Market Risk, and Operational Risk frameworks. Show less

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  Float (YC W'20)

  Nov 2022 - Jun 2023

  To set up a global risk register which lists and weighs the key risks to the organisation and make priority calls on which risks need to be managed at specific intervals. Consolidate risks across all functions in the organization. More Responsibilities:• I led the Risk Committee, clearly setting out the risks that need to be actioned and resolved and I delegate to relevant functional heads. • Paid particular attention of threats to data breaches and cyber related attacks.• Handled spot checks & compliance checks on new accounts created on the global payment platform.• Worked closely with Customer teams to optimise engagement with the customer. • Reviewed credit risk ratings quarterly, and re-assess probability of default based on performance and other economic/industry developments .• Prepared periodic reports for executive management and the board of directors. Show less • Set up a global risk register which lists and weighs the key risks to the organization and make priority calls on which risks need to be managed at specific intervals.• Consolidated risks across all functions in the organization.• I lead the Risk Committee, clearly setting out the risks that need to be actioned and resolved and I delegate to relevant functional heads.• Paid particular attention of threats to data breaches and cyber related attacks.• Handled spot checks & compliance checks on new accounts created on the global payment platform.• Set up a Collections function (either internally or outsourced), that pro-actively enhances the debt recovery process.• Performed customer credit checks and advised on credit limit adjustments.• Achieved performance goals on consistent basis through strong knowledge of industry best practices.• Liaised with compliance personnel to create action plans in response to identified issues.• Developed and assisted risk strategy implementation and delivery across all enterprise levels.• Standardised risk and performance metrics to increase efficiencies.• Established, monitored, and reported on risk management metrics to assist with decision-making. Show less

  • Head of Risk Management

    Nov 2022 - Jun 2023

  • Head of Risk Management

    Nov 2022 - Jun 2023
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  Yala

  Nov 2023 - now

  RISK MANAGEMENT- Risk Assessment: Conduct in-depth risk assessments across business units, identifying, assessing, and mitigating potential operational, financial, regulatory, and reputational risks associated with cross-border payments.- Policy Development: Design, implement, and monitor risk management frameworks and policies tailored to international payment operations.- Incident Response: Lead and coordinate the response to any significant risk-related incidents, including regulatory breaches, fraud attempts, or other compliance failures. Ensure thorough investigation, documentation, and follow-up.- Third-Party Risk Management: Develop and maintain risk assessment protocols for vendors, partners, and aggregators, particularly in different jurisdictions.COMPLIANCE OVERSIGHT- Regulatory Compliance: Ensure the company’s full compliance with international financial regulations, including those related to Anti-Money Laundering (AML), Know Your Customer (KYC), sanctions, and data protection.- Client Due Diligence (CDD): Oversee the client onboarding process, ensuring that all necessary due diligence, including KYC/AML checks, is carried out efficiently and effectively.- Transaction Monitoring: Develop and maintain robust transaction monitoring systems to detect and report suspicious activities related to money laundering, terrorist financing, and other illegal financial activities.- Enhanced Due Diligence (EDD): Lead enhanced due diligence efforts for high-risk clients and regions, ensuring additional scrutiny and higher levels of verification where necessary.- Stakeholder Management: Act as the key point of contact with regulatory authorities, external auditors, and other third-party stakeholders regarding compliance issues.- Policy Enforcement: Enforce compliance policies and procedures, ensuring all employees and departments comply with local and international laws and industry standards. Show less - Developed and executed growth strategies aligned with the company’s vision, business model, and market opportunities.- Identified and prioritized high-potential markets for expansion, with a focus on customer acquisition, retention, and revenue generation.- Led the initiatives to build and manage relationships with key stakeholders, including banks, financial institutions and payment network.- Analysed industry trends, emerging technologies, and the regulatory landscape to identify growth opportunities.- Worked closely with the product and engineering teams to ensure the payment platform could scale effectively.- Worked closely with the marketing team to develop brand awareness strategies that enhanced the company's visibility in key markets. Show less

  • Head Risk and Compliance

    Mar 2024 - now

  • Business & Growth Lead

    Nov 2023 - Apr 2024