Financial Services Risk Management

JOHNATHAN S. BANGURA, MBA

+* (***) *** – **** *********@***.*** LinkedIn Profile

EXECUTIVE LEADER

STRATEGIC PLANNING & EXECUTION FINANCIAL STRATEGY P&L LEADERSHIP GLOBAL VISIONARY

Energetic, accomplished Executive with vast career experience and success across strategic operational leadership, revenue optimization, risk management, effective negotiation, and significant business growth within challenging global financial institutions, banks, and financial services firms. Possesses a deep understanding of global developed and emerging markets—spanning North America, Europe, Middle East, Africa, and Asia-PAC—and enterprise business transformation solutioning.

Excels in Executive roles and as an advisor to Exco & other C-Suite leaders; offers strategic guidance on banking innovation, business process automation, digital transformation, eBanking services and solutions, and best practices. Enables financial services organizations to radically reinvent at an enterprise scale, formalize new business models, and modernize technologies to unlock impactful new business value.

Transforms and empowers high-performing teams, fostering a culture of collaboration, trust, and inclusivity. Polished communication and interpersonal skills; builds strong relationships with key industry stakeholders, partners, and customers.

Strategic, accountable, and decisive forward-looking leader, leveraging a pragmatic and innovative approach to complex problem resolution. Esteemed for a strong executive presence, tenacity, analytical mindset, exceptional work ethic, solid financial acumen, and future-oriented vision.

Core Skills and Competencies

Strategic Planning & Execution

Transformational Leadership

Global Finance Strategy

Transaction Banking Operations

Sales & Marketing

Profitability & Cost Analysis

Project Management

Business Alliances

New Market Development

Team Leadership

Regulatory/Compliance Controls

Policy & Procedure Development

C-Suite Consulting

Effective Negotiation

Revenue Optimization

P&L Governance

Cost Containment

Stakeholder Management

Risk Management & Mitigation

Customer Engagement

Selected Career Achievements

RIMINI STREET INC. — Earned respect for top performance as a C-Suite executive leader, supervising $1.2B portfolio, P&L, budget, and revenue; optimized sustainable business revenue. Led and grew firm’s institutional banking and sovereign banking; influenced industry and product evolution, and customer partnerships and engagements.

UBA BANK GROUP, AMERICAS PLC. — Excelled as Chair of UBA’s Global Transaction Banking Sales League Table (SLT), and UBA’s International Corporate Banking Leadership team. — Increased margins by 6%+, and delivered incremental $890M gross profit; captured 25% ROA, 34% ROI, 54% rise in topline profit, 17% cost-to-income ratio, and 60% loan-to-assets ratio.

BAE SYSTEMS PLC. (GLOBAL FINTECH DIVISION) — Headed financial performance management and growth of P&L targets. Captured PV goal of $2B (FY18) and $2.6B (FY19) and revenue goals of $1.8B (FY18) and $2.4B (FY19.)

MASTERCARD INTERNATIONAL CORPORATION — Grew company’s revenue by 65% in just one year—from $213M to $352M—averaging 15%-20% topline growth/year. Introduced direct to corporate payments solution and e-commerce platform to capture incremental sales and profits, resulting in $139M+ in sales and $62M in profits.

ECOBANK GORUP — Doubled market share, expanded brand awareness, and enhanced profits by 250% by directing brand repositioning through a 3-year integrated product, client partner, and corporate communications plan. Earned "Brand of the Year" recognition by Euro-Money's leading publication.

BARCLAYS BANK, PLC. — Increased margins by 6%+, and delivered incremental $890M gross profit; captured 25% ROA, 34% ROI, 54% rise in topline profit, 17% cost-to-income ratio, and 60% loan-to-assets ratio.

J.P. Morgan Chase Bank & Co — Turned results from $130M to $575M in the first year. Creatively reduced processing time by eliminating physical verification of bundles based on realization that small adjustments were less costly than time incurred to verify. Conceptualized and implemented a creative and compelling marketing program that increased revenues by 25%.

Canadian Imperial Bank Of Commerce — Eliminated redundant positions and outsourced specialty functions. Instituted coverage commercial bankers program allowing move from one-shift to Two-shift operation while reducing costs and FTEs. Slashed turnaround time from seven days to One-to-Two days.

Professional Experience

RIMINI STREET INC. New York, USA 2024 to Present

Group Senior Vice President & Global Head of Financial Services, Industry Solutions

Champion global strategy for Africa and the Middle East to expand and amplify revenues across the financial services sector: commercial banks, corporate & investment banks, regional and community banks, S&L associations, credit unions, consumer finance, private equity, sovereigns, venture capital, mutual funds firms, FinTechs, MSBs, mortgage companies, real estate, and insurance industries. Enable growth initiatives encompassing all geographies, both internally and externally. Design and execute overall go-to-market strategies, business development, and target revenue performance. Facilitate colleagues and resources leading to global strategic sales and revenue management.

Flourished as C-Suite executive overseeing $1.2B portfolio, P&L, budget, and revenue; bolstered sustainable business revenue. Directed and grew firm’s institutional banking and sovereign banking; influenced industry and product evolution, and customer partnerships and engagements

Conceptualized regulatory framework solutions for bank operations, and the regulatory requirements and expectations relevant to the financial services industry.

Analyzed effectiveness of firm’s arrangements to deliver effective governance, oversight, and controls in the financial services industry; steered change management and transformation across the industry.

Forged external partnerships to enhance firm’s product offering and client experience.

UBA BANK GROUP, PLC. New York, USA 2021 to 2024

SVP & Head of Financial Institutions, Corporates and Sovereign Banking

Devised and implemented strategic vision and mission for UBA international banking markets: Americas, Europe, Middle East, and Asia-PAC. Managed teams to build enterprise-wide strategic relationships with financial services firms including banks, insurance firms, investment firms, pension funds, sovereign funds, private equity/venture capital firms, and wealth management firms. Sustained corporate institutional relationships with sharp focus on revenue generation, retention, and growth opportunities.

Amplified margins by +6%—and delivered incremental $890M gross profit.

Achieved 25% ROA, 34% ROI, 54% rise in topline profit, 17% cost-to-income ratio, and 60% loan-to-assets ratio.

Advanced product turn by 30%, with corresponding improvement in markdown expense.

Added premium priced products to brand matrix, and drove 10% increase (in average) wholesale banking/prices.

Managed book of market grade corporate assets, facilities, and transactional banking—with specific emphasis on new business acquisition and portfolio growth.

Catalyzed technological advancements to enhance clients and customer experiences and operational efficiency. Created and managed company budget, and allocated resources effectively.

Delivered updates, reporting, and recommendations to the Board of Directors.

Served as primary liaison between UBA and regulatory agencies, addressing inquiries and examinations.

Chaired Compliance, Risk, and Asset Liability Committee (ALCO); ensured implementation of proper assets pricing and funding plans to accomplish bank-wide goals with an acceptable degree of risk.

UBA BANK GROUP, PLC. New York, USA 2018 to 2021

SVP & Head of Transaction Banking (TB)

Formalized bank’s TB strategy in North America; headed seven broad portfolio product businesses, overseeing all customer relationships, product portfolios policies, procedures, risk and compliance management, and P&L oversight. Spearheaded portfolio diversification to maximize value while minimizing risk.

Expanded bank’s TB business—and elevated revenue—by delivering suite of trade finance, cash & liquidity management, cross-border payments, wire clearing, FX, custody services, supply chain, and working capital services.

Designed robust TB strategies in aid of bank-wide goals, including trade finance lending, advising, confirmation, structuring, and underwriting standards—necessary to grow sales and business development in conjunction with cash management, custody services, payments & wire clearing, supply chain, and working capital transaction services.

Formulated TB policies and procedures to ensure adherence to sound risk mitigation principles, laws, and regulations; ensured deviations from policy were corrected and reported.

BAE SYSTEMS PLC. (GLOBAL ADVISORS - FINTECH DIVISION) New York, USA 2015 to 2018

Executive Vice President

Executed global vision and strategy to deliver groundbreaking value to clients and partners. Led all aspects of global FinTech divisions; developed and implemented FinTech platform—supporting transition from multiple legacy platforms to a single core FinTech platform—for transaction services including banking, payments, liquidity management, trade innovation, and FX products—serving B2B, B2C, B2G, G2B, G2B, and G2C transaction platforms—including ISAs, GIAs, and pensions.

Led financial performance management and growth of P&L targets; secured PV goal of $2B (FY18) and $2.6B (FY19); captured revenue goals of $1.8B (FY18) and $2.4B (FY19).

Demonstrated savvy strategic planning and team leadership—and ability to position new technology to enable growth and optimize the business for maximum impact. Advanced value-based relationships across the ecosystem (political, business leaders, country influencers) to drive digital agenda.

Partnered with Executive Leadership team to analyze five-year plan financials, ensuring alignment with strategy and investment requirements to deliver continued growth.

Constructed and executed long-term strategy with goal of creating shareholder value, forging new partnerships and sales channels, and refining business model.

Assembled teams, introduced organizational structure, and formed a focused technology strategy, facilitating the organization in scaling, automation, and improvement of the client experience.

MasterCard International Corporation Johannesburg, South Africa 2012 - 2015

Senior Vice President – Transaction Management, and Cross-Border Payments

Leadership role in-charge of managing and leading all aspects of the MasterCard’s Commercial Transaction management, and cross

border payments that drove business strategy and prioritization aligned to overall Africa and MEA strategy that included digital

solutions, \commercial payments, cross-border payments, wire clearing, liquidity management, market development,, Emerging

FinTech Digital Payment solutions, Strategic Corporates business development, Advanced Sales and Thought Leadership across Middle

East & Africa that includes been responsible for product design & development and control enhancement, business strategy, customer

And stakeholder management, business operations and Customer engagement.

Wholly responsible to the Executive management for the day to day running of the MasterCard Middle East & Africa commercial payments business and obliged to maximize the region’s revenue growth; ensure maximum penetration of market segments and identify strategic business building opportunities and policies spelt out by the Board in the firm’s overall corporate strategy.

Responsible for ensuring that all operations of MasterCard Middle-East & Africa are in total conformance of the Firm’s quality standard as well as in accordance with partner client banks and institutional requirements, and including identifying, hire, manage and develop competent staff to manage the operations of the MasterCard business across Middle-East and Africa, and ensure that the Firm’s personnel policy is adhered to, and Coordinate the operations of the various departments within the Middle-East & Africa Division/Regions;

Was responsible for improvement of processes that created and delivered commercial payments and digital solutions, including the handling Telco’s, B2B, MIGS, OEMs, ecommerce operations, and supervision of all aspects of the of MasterCard commercial business across Middle East and Africa.

Charged with establishing and maintaining efficient and adequate internal control systems, including strategy design and the implementation of the necessary management information systems in order to facilitate efficient and effective operation of the business, communication within the corporation, and also Ensure that the Board is frequently and adequately appraised about the operations of the company through presentation of relevant Management reports. Year-to-date I have established myself a champion CEO/MD and excellent Results and accomplishment as follows:

Notable Accomplishments:

Credited for growing the company’s Revenue by 65% in one year from $213 to $352M, averaging 15-20% topline growth/year.

Doubled market share, increased brand awareness and improved profits by 250% by directing brand repositioning through an integrated product, client partner and corporate communications 3-year plan. Named "Brand of the Year" in 2014 by Euro-Money's leading publication.

Launched a Direct to Corporate payments solutions and e-commerce platform to add incremental sales and profits, resulting in +$139M in sales and $62M in profits.

Recognized for contribution to successful addition of the e-commerce payments solutions within the MasterCard group that generated an incremental $155M in sales Q3’2014 YOY.

ECOBANK GORUP INC, CORPORATE & INVESTMENT BANK Johannesburg, South Africa 2009 to 2012

Group Chief Finance Officer - CFO

My core responsibilities include managing, coordinating, and supervising all finance and accounting activities including operations for the Corporate bank in accordance with GAAP policies and IFRS procedures. I was responsible for financial planning, record-keeping, providing technical Controllership guidance to both financial and Finance operations leaders across 41 Countries footprint and within all business units, as well as ownership of services operational processes and Insured timely dispatch closure. Masterminded business strategy and prioritization, aligned to overall Board and Exco strategy including digital solutions, commercial operations, trade settlement, cross-border payments, wire clearing, liquidity management, market development, emerging FinTech digital payment solutions, corporate business development, and advanced sales. Oversaw product design & development and control enhancement, business strategy, customer and stakeholder management, business operations, and customer engagement.

Grew company’s revenue by 65% in just one year—from $213M to $352M—averaging 15%-20% topline growth/year.

Doubled market share, expanded brand awareness, and improved profits by 250% by directing brand repositioning through a 3-year integrated product, client partner, and corporate communications plan.

Earned "Brand of the Year" recognition (2014) by Euro-Money's leading publication.

Introduced direct-to-corporate payments solution and e-commerce platform to capture incremental sales and profits—resulting in $139M+ in sales and $62M in profits.

Aided in addition of the e-commerce payment solutions within the MasterCard group, generating incremental $155M in sales Q32014 and YoY.

Supplied advice and guidance to Board and Executive leadership on managing employee performance and professional development; advised company on strategic planning; operating budget management; and operating plan development.

As the Senior Finance Manager and Controller of Finance and operations I was a key member of the Ecobank Corporate Bank Management Team stationed in Johannesburg, South Africa and helped the business and other top executives to make tangible connection between the company's Banking operations and its financial performance including the ensuring of timely and accurate preparation and submission of business Financial Performance reports, Forecast reports, Risk and Opportunities, surveillance, overall Cost, and Cross sell reports prepared in compliance to GAAP Accounting Policy, operating procedures and other domestic and International IFRS Accounting principles and SOX practices

Responsibilities included the coordination and supervision of all of the Corporate Bank’s Banking Finance Operations and Accounting activities including operating costs and capital budgets at the affiliate banks and cluster Group site in accordance with corporate and local policies and procedures. I was responsible to provide management with the necessary financial information to assist in successful operations of the business. I managed and supervised the development of budgets including monitoring and reporting, led the Corporate Bank's annual budget and planning process and quarter-end accrual, variance, and forecasting processes.

I managed and supervised the preparation of all financial statements, operating reports, and supplemental information for quarterly and annual reporting, and established a robust controls and processes ensuring the total integrity and transparency of all Corporate Bank’s reporting and financial data. I managed and assisted in leading the annual audit function for all of the Corporate Bank operations in the Ecobank group responsible for accounts payable, accounts receivable, payroll, general journals, inventories and inventory reporting, fixed assets, financial statement preparation, cost reporting and analysis and shareholder accounting.

I managed selected and implemented modern streamlined accounting structures and systems. Responsible for managing various contractual relationships including the vetting of related legal agreements, contract negotiations and management. Advisesd and implemented policies, procedures and practices having regard to the Banking industry so as to ensure that the Corporate Bank’s business units’ overall objectives are met and Ecobank affiliates are properly supported and developed.

Responsible for the overall corporate bank’s finance Strategy and worked with Group Executive Director (GED) on all aspects of Strategy Formulation, Coordination, Implementation, and monitoring for Business units’ Budgeting and In Charge of gathering information from all affiliates in the Group on Actual and projected figures, organizing information, producing budgets for the Business units across the Group and monitoring these budgets on monthly basis for Variance analysis

Responsible and in charge of overall Reporting, producing management reports on monthly basis to GED, Preparation of BOD reports to Group BOD and managed all Finance operations and functional issue of the business units across the Group, ensure all approvals for payments all in place, ensuring that all charge backs to all affiliates are effectively carried out on monthly or quarterly basis, ensuring that all relevant funding for the operations of the Business units are in place and provided all financial advisory needs of the Business units.

BARCLAYS BANK PLC, NEW YORK, USA 2005 to 2009

Managing Director – Corporate & Investment Banking

Was responsible for managing and overseeing the operations and success of the Barclays commercial and business banking in the United States, including sales and financial goal achievement, Bank deposit growth, employee management, employee and customer retention, meeting budget goals, and contributing to the overall success of the market. Served as an active and senior Resource of the overall Commercial Banking management team reporting to the Global Managing Director of Banking in London, UK. I managed and directed portfolio Relationship Managers to manage assigned customer relationships and product portfolios. Developed and executed plans and strategies to sell the Bank’s corporate products and services to achieve maximum market penetration in its area of geographic concentration.

Managed and oversaw the execution of all ongoing asset management of loan facilities being booked by Global Corporate Loans and the Execution of loan documents, where authorized. I was responsible for leading and overseeing the closing of complex leveraged finance transactions and the handling of routine operational support, and syndicate coordination for a distinct portfolio of loan facilities. I was responsible for overseeing the Preparation of quarterly financial reports required for certain Leveraged Finance borrowers. Notable Accomplishments Included:

Increased margins by +6%, delivering an incremental $890M Gross Profit.

Increased Products turn by 30% with corresponding improvement in markdown expense.

Added premium priced brands to brand matrix driving a 10% increase in average wholesale /retail prices.

Responsible for the overall leadership of the Corporate Banking division covering in-lined assigned region for meeting and exceeding established lending, deposit, and other Corporate and whole client relationship sales goals, and managing the related processes and procedures for the regional market. I was responsible to ensure and overseeing compliance with established loan policy and recommending lending policy efficiencies and/or enhancements, including managing and guiding the entire corporate team.

J.P MORGAN CHASE BANK & CO. NEW YORK, USA 2005 to 2009

Senior Vice President – Commercial, Retail and Branch Banking

Directed and administered the business of the Chase Bank’s Regional commercial Lending and Retail banking Division of 67 multi-office branch networks that drove most of the bank’s retail deposit production and Loan book with the objective of providing, in line with established goals and objectives, maximum sales and profitability.

Responsible overseeing the success of the Bank’s commercial lending loan book and retail product mix leveraging the customary banking products including consumer and mortgage lending, business and corporate lending, certificates of deposit, and other fee-based offerings.

Responsible for building, managing, and overseeing a successful sales and service team to operate 67 branches, and overseeing the success of a call center that supplemented the bank’s retail sales force and served as a secondary outbound and out-reach Sales outlet within my division and district. I developed and executed plans and strategies to sell the Bank’s commercial Loans and Lending products and services to achieve maximum market penetration in its area of geographic concentration.

Responsible for managing and overseeing the successful transformation of the Bank’s retail deposit franchises from a traditional thrift model to a high performing corporate Bank with high cross sell ratios.

Responsible for managing and overseeing the success of bank’s retail division and district commercial products development, launching and promotion with a strong deposit to Loans/Lending generation and retail non-deposit product sales generation.

Developed, managed, and directed the Bank’s retail relationship management, communications and engagement models to work effectively with regulators and business leaders throughout the service area, including being responsible for managing, directing and overseeing the successful execution of the Bank’s established business plan through improved operations and development and execution of efficient, well-planned and profitable operating plans for the commercial Loans and Lending and Retail Division.

Responsible for managing and overseeing the implementation of successful and appropriate actions so that the commercial Loans, Lending and Retail Division achieves budgeted sales results and other financial criteria and took actions to correct any and all unsatisfactory conditions which adversely impact any phase of the Division’s operations and ability to meet planned objectives.

Responsible for taking a leadership role in developing and executing national sales initiatives in consultation with Corporate and Consumer Banking Executives located within the Bank’s holding company, as well as worked and collaborated with EVP/President of Community Banking in the development, sales and support of community banking products and services for small to mid-sized Enterprise (SME) businesses.

Developed and presented proposed operating and capital expenditure budgets for review and approval and assisted in the development of policies and programs to ensure fair and equitable treatment for all employees, to gain their loyalty and best efforts, and comply with appropriate federal, state, and other laws and regulations wherever the Bank does business.

CANADIAN IMPERIAL BANK OF COMMERCE NEW YORK, USA 2005 to 2009

Vice President and Executive Director – Small and Medium Size Enterprise Banking Commercial Lending

Was responsible for providing leadership to the Canadian Imperial Bank of Commerce (CIBC) wholesale banking and business Banking as the Chief Lending Officer managing the Bank’s first line of defense for Credit Risk of the businesses conducted thereon at the enterprise level for the Bank and overseeing credit risk and control related policies and procedures for existing and prospective clients from across North America with special emphasis on Small and Medium Size Enterprises (SME), Structured Trade Finance and Financing Solutions (including Cash management, Trade Finance, Lending, and other SME banking products) along with shared responsibility of Development, Origination and Advisory role across the CIBC Bank footprint generating strategic sales revenue for the company when a transaction has a North America and USA leg.

Responsible to lead and oversee the maximizing of all Customer Profitability from Client Relationships in Wholesale and Business Banking, providing innovative and value added financing solutions while at the same time reducing the risk to the Bank by using a structured approach to establish a reputation as a premier Structured Trade Finance Bank in North America by increasing market penetration and getting a greater share of the target opportunities in the region including Small Business Enterprise Development, SME Origination, Sales execution, and Structured Trade Finance transactions in North America and the USA

Was actively involved in bringing influence to bear on all material business sales decisions to ensure immediate and longer-term implications; opportunities and risks were fully considered and aligned with the Bank’s financial strategy. I was responsible for overall SALES performance of the wholesale Business & Transaction Banking including customer royalty program. Developed, managed, and led client calls to present proposals to the client's key decision makers, followed by regular face-to-face client contacts to deepen client relationships by expanding product usage globally. Work closely with all sales and products teams across the Bank to increase customer share of mind and wallet and manage regional /local Transaction Banking sales teams to ensure coordinated approach and maximize opportunities with global decision makers within the client's headquarters.

Developed business plans to ensure that revenue targets are achieved/exceeded for all Transaction banking Products that includes Global Cash Management, Trade Finance and Supply Chain Finance, and maintain global Target market Map, including revenue forecasts, wallet sizing and pipeline deals. Worked with client, Global Account Manager and Senior Management to identify and grow new business, while deepening the existing business relationship and Maintain regular communications within the client network and CIBC network for updated knowledge of the client's global requirements, goals, and opportunities, and develop and manage relationships with critical key new clients,

Worked with all of Transaction Sales teams and GAMs to develop country sales plans in line with overall relationship and Transaction Banking business plans to Proactively collaborate with client's Head Office to tailor products to meet individual customer needs, negotiate terms & conditions, and develop client plan by understanding customer's business and anticipate their requirements through a consultative selling process. Matched customers' needs with product capabilities through presentation of tailored demonstrations and proposals, Negotiate terms and conditions with customers to maximize revenue and profitability, Provide structured, creative solutions to meet the specific working capital requirements of our customers and prospects to enhance business on exporter marketing,

Developed, managed, and led wallet sizing of potential for Tier 1 clients to create trade corridor conversations within the network, and Train Client Relationship RMs and other Transaction Banking Sales Managers in product knowledge, by providing technical product expertise and conduct joint calls to ensure joint sales goals are met, new revenue opportunities are identified and customer feedback on product and competition is obtained. Responsible for managing and developing strategies, product plans and programs that drive CIBC Bank’s competitive advantage and revenue growth to deliver the Transaction banking and Business banking products including Loans, Trade Finance, Cash Management, Credit and debit products revenue plan and key stakeholders across functional teams to develop.

Executed initiatives that are quantifiable and aligned with the business and customer’s strategic objectives across North America, and

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