Team Member Risk Management / Auditor

ONWUASO, JESSICA UGOCHI

No *, Ayobami Close, United Estate, Sangotedo, Lekki, Lagos.

Phone: 080********, 080********. Email: **************@*****.*** PROFESSIONAL PROFILE

A proactive team member, known for exceptional accuracy and keen attention to detail, brings logical and analytical approach to every task. Intelligent, passionate, with genuine drive to learn, coupled with adept prioritisation skills that enable me to consistently meet deadlines. Proficient in the Microsoft Office Suite, self-motivated, possess efficient and effective character to provide genuine solutions that will facilitate the accomplishment of organisation’s corporate goals, while I further develop my competencies and pursue my dreams. WORK HISTORY

2022 to Present: BRANCH INTERNAL AUDITOR

Jubilee -Life Mortgage Bank PLC,730, Adeola Hopewell Street, Victoria Island, Lagos.

• Review the accuracy and integrity of the bank’s financial records and report any discrepancies in the report.

• Review bank reconciliations, monitor and provide guidance on financial and operational processes and recommend better risk management practices

• Ensure the bank and staff adhere to all relevant laws, regulations and internal policies and recommend measures to address any area of non-compliance

• Monitor for signs of fraudulent activities, and implement measures to prevent and detect fraud.

• Conduct special investigation when irregularities or issues are identified

• Prepare detailed audit reports with findings analysis and recommendations and present them to line manager.

2021 – 2022: FINANCE ASSISTANT/ACCOUNT OFFICER

Jubilee -Life Mortgage Bank PLC,730, Adeola Hopewell Street, Victoria Island, Lagos.

• Established and enforced controls on revenue, track and carry out Month end bank reconciliations.

• Prepared payment vouchers, and kept record of all incomes and expenditures of the organisation.

• Maintained financial records and ensured that transactions are completely and correctly processed and collaborated with team lead to define standards, policies and procedures to meet company revenue goal.

• Generated financial and operational reports to assist management with business strategy.

• Completed fillings and upheld strict compliance with regulatory agencies and supervisors. 2019 – 2021: RISK MANAGEMENT OFFICER

Jubilee -Life Mortgage Bank PLC,730, Adeola Hopewell Street, Victoria Island, Lagos.

• Identified key risks such as credit risk, market risk, operational risk, liquidity risk and compliance risk and mitigating factors that can lead to losses.

• Developed and implemented strategies, controls to mitigate or manage risks by setting risk limits and ensuring adherence to them.

• Prepared and presented risk reports to line manager and clearly communicate risk exposure and effectiveness of risk management efforts.

• Continuously monitored risk levels across the bank’s operations and reported any deviation from set risk parameters.

2013 – 2019 BUSINESS DEVELOPMENT/RELATIONSHIP MANAGER Jubilee -Life Mortgage Bank PLC,730, Adeola Hopewell Street, Victoria Island, Lagos.

• Promoted various banking services to customers and maintained effective relationship with customers while increasing the bank’s profitability.

• Worked with the recovery department to recover bad loans and reduced the bank’ NPL

• Sourced for Treasury deposits and Mortgage sales.

• Worked with management team to execute marketing strategies and new opportunities for the bank’s business expansions.

• Worked with executives in providing strategies to cut costs and increase revenue for the bank 2012 – 2013 HEAD, CREDIT AND RISK MANAGEMENT DEPARTMENT Lekki Micro Finance Bank Ltd - Km15 Lekki Epe Express Way Lagos

• Managed the bank’s loan portfolio and drove to increase the bank’s credit market share

• Carried out KYC on customers and credit appraisals before loans are granted,

• Ensured that credit procedures were followed and monitor approved loans and ensure timely loan recovery.,

• Trained and motivated marketers and loan relationship officers

• Prepared monthly credit reports for financial institutions (CBN, NDIC, etc) and carried out other assigned ad hoc responsibilities.

2010 - 2012 HEAD, INTERNAL CONTROL DEPARTMENT

Lekki Micro Finance Bank Ltd - Km15 Lekki Epe Express Way Lagos

• Reviewed and reported any discrepancies in the financial statement

• Approved Reconciliations: checking the mathematical accuracy of records

• Controlled computer programs, limiting access to data files, approvals and authorizations of transactions over certain limits.

• Reviewed control accounts, general ledger, Profit and Loss account and Trial balance account.

• Limited credit exposure to borrowers and physical control, safe guard of Banks Assets and Records 2008-2010: HEAD, ACCOUNTS & ADMINISTRATION

Lekki Micro Finance Bank Ltd - Km15 Lekki Epe Express Way Lagos

• Maintained Bank’s book of Accounts and ensured that transactions are completely and correctly processed.

• Prepared staff payroll and conditions, contracts, training and development,

• Managed operations including forecasting, inventory control, purchasing, repairs/maintenance of assets, and quality insurance. Maximized revenues through efficient staffing, labour cost controls, and promotions.

• Procured office fixed assets and relate with vendors on cost negotiation and supplies.

• Prepared all statutory returns - CBN, NDIC, EFCC, NDLEA, and liaised with bank’s external auditors and auditors from supervisory bodies

2007 - 2008: OPERATIONS DEPARTMENT

Lekki Micro Finance Bank Ltd - Km15 Lekki Epe Express Way Lagos

• Supervised all banking operation activities, customer service functions and cashiering.

• Responsible for the administration and maintenance of accurate and balanced vault records.

• Supervised cash requisitioning from correspondence banks and confirmed clearing cheques.

• Ensured proper maintenance of client documents and accounts opening records.

• Handled customer complaints and grievances.

2005-2007: CUSTOMER RELATIONS OFFICER (CRO)

Lekki Micro Finance Bank Ltd - Km15 Lekki Epe Express Way Lagos

• Handled customers’ enquiries and grievances, and attended to all calls.

• Prepared and sent weekly reports to Head of Operations on customers’ suggestions and complaints. EDUCATION

2012: Chartered Microfinance Banker (MCIB) Chartered institute of Bankers of Nigeria (CIBN) 2004: Diploma in Computer Applications Giga Tech Computer School, Jos. Plateau state 2003: HND Accountancy Federal Polytechnic Oko, Anambra State. 1999: OND Accountancy Federal Polytechnic Oko, Anambra State RELEVANT TRAINING/CONFERENCES ATTENDED

• Internal Audit & Control training

• Audit Report writing and Compliance awareness training

• Financial, management accounting reporting and Budgeting training

• Fixed Asset accounting and management training

• Environmental and social Risk management training

• Credit and Risk portfolio management Training

• Bank Operations Training

• Interim Capacity Building Programme on Emotional Intelligence Skills: Self Awareness and Self- Management, Time Management: Planning and Prioritising Time training REFERENCE

To be made available upon request

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