Risk, Compliance & Audit Professional

COLLINS PEPRAH

E: *********@*****.*** M:929-***-**** A: 779 Concourse Village East

APT 1M, Bronx, New York

10451

SUMMARY

As a seasoned professional in the fields of risk, compliance, audit, and credit administration, my diverse career experience revolves around my dedication to ensuring the integrity and success of the organization I work for. With a strong background in analyzing and mitigating risk, enforcing compliance, conducting thorough audits, and managing credit portfolios, I am confident in my ability to protect and enhance the financial stability of the company. I strive for excellence in all that I do, constantly seeking opportunities for growth and learning to stay ahead of industry trends, leverage my expertise and experience to drive positive outcomes for the organization and its stakeholders.

WORK HISTORY

DIGITAL ADMINISTRATOR Cygnet Health, 1 Lakeside, Business Park, Chester, United Kingdom. October 2024 - June 2025

Duties: Scanned and converted hard documents into PDF format PRODUCTION OPERATIVE Rhino Products Ltd (MR4), Nantwich, United Kingdom July 2024 -September 2024

Duties: Assembled /Built Van Racks (Car Accessories) HEAD, RISK AND COMPLIANCE Juaben Rural Bank PLC, Ghana, August 2018-May 2024 Anti-Money Laundering (AML)Duties

· Conducted KYC/CDD review on Customers at the on-boarding stage.

· Conducted day-to-day transactions monitoring and reporting with the Team for on the average of 1000 Transactions per day.

· Conducted Risk-based Assessment on Customers (over 100,000 customers), Products (6 product lines), Delivery Channels (3 channels) and Geographical Locations (11 sites) of the Bank to ascertain vulnerabilities.

· Conducted AML Training for Employees

· Presented Quarterly Report to Board, Bi-annual and Annual Report to Bank of Ghana Compliance Duties

· Conducted Compliance Audit with the Team for Prompt Detection of Violations for the Head Office and Eleven Business Offices.

· Carried out review of Internal Policies and Procedures to ensure consistency with Statutes and Regulations for Six Departments and Three Units.

· Conducted Investigation into Customers and Employees Complaints for Resolution to avert Potential Reputation Risk.

· Conducted Compliance Training for Employees to effectively communicate changes in Regulations, Statutes and Policy Directions for over 200 Employees.

· Presented bi-annual and annual report to Bank of Ghana and Financial Intelligence Centre.

· Presented Quarterly Compliance Report to Board.

Risk Duties

· Performed Enterprise Risk Assessment with Team to determine risk exposures

· Conducted periodic Review of Internal Risk Policy Framework for improvement in Efficiency and Productivity.

· Conducted Third-party Risk Assessment for Value for Money.

· Conducted periodic Review of Risk Register for Effective and Efficient Risk Monitoring and Mitigation Plan.

· Conducted Risk Control Self-Assessment with the Team to Identify Vulnerabilities.

· Conducted Stress Test to draw up Sustainability Strategies.

· Conducted Risk Training for Employees at all levels on Risk Awareness for over 200 Employees.

· Presented Quarterly Risk Report to Board.

CREDIT OFFICER Juaben Rural Bank PLC, Ghana, March 2008 - August 2018

· Performed Credit Applications Evaluation for Approval Recommendations.

· Educated Clients on Loan Products available to facilitate decision-making, interpreted complex Terms in Easy-to-understand language.

· Analysed Customer History and Financial Reports to Assess Risk and Creditworthiness.

· Conducted on a daily basis post disbursement balance sheet assessment (Repayment Monitoring).

NATIONAL SERVICE PERSON Ghana Audit Service, Ghana, Oct 2006-Dec 2007

· Designed questionnaires to gather needed data for audit procedures.

· Managed audit files on computer and paper form.

· Assisted with pre and post implementation reviews. · Performed inventory checks and verification

EDUCATION HISTORY

Bachelor of Arts, LAW, February 2022 – May 2024 Central University, Kumasi, Ghana Master of Business Administration, FINANCE, August 2014 – May 2016 Kwame Nkrumah University of Science and Technology, Kumasi, Ghana Bsc. Administration (Accounting), August 2009 -May 2011 University of Education, Kumasi, Ghana

Higher National Diploma, ACCOUNTING, 2003 – 2006 Koforidua Technical University, Koforidua, Ghana

ACCOMPLISHMENT

Established and led Risk and Compliance Office of Juaben Rural Bank PLC in August 2018 Key Management Member of the Bank 2018 - 2024.

SKILLS · Problem-solving · Communication skills · Team building · Strategic Planning · Leadership · Resourcefulness · Public Relations · Inventory management · IT Literate · Risk Management

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