CHRISTOPHER ONUORAH
AGO PALACE WAY,Nigeria
Summary
I am an experienced product manager with over 9 years' experience in the banking industry. I have achieved success in a variety of roles ranging from Business support, Business analysis, project management, product management, with increasing levels of responsibility. I am experienced in coordinating digital strategy, managing financial products, leading the planning, implementation, delivery, and continuous improvement of digital solutions to meet business needs.
Overview
9
9
years of professional experience
15
15
years of post-secondary education
Work History
FINANCIAL INCLUSION - AGENCY BANKING
SunTrust Bank Nigeria Limited
1 Oladele Olashore Street, Victoria Island, Eti-Osa, Lagos
01.2022 - Current
- Conduct market research to identify the Business opportunity and target market.
- Provide implementation support for agency Banking solution.
- Lead cross-functional teams to ensure successful launch of our agency Banking solution and business, including POS deployment strategy.
- Develop strategies for identify agents/super-agents (selection criteria) to efficiently drive the agent Banking business. Onboarding and training agents, monitoring agent performance, and ensuring compliance with regulatory requirements.
- Integrate with FINTECHs to drive account acquisition and deposit mobilization.
- Collect data (reports) and analyze information to understand the competitive landscape, customer preferences, and emerging trends in agent banking.
- Use these insights to identify new opportunities and improve existing products
- Collaborate with the business development and operations teams to manage the agent network, develop effective marketing strategies and campaigns to promote our agency banking solution.
- Expand through the target segments by coordinating the marketing activities to drive customer adoption and usage.
- Achieve teams' “profit before Tax” amount as budgeted.
- Foster a culture of innovation within the product team and identify opportunities for continuous improvement.
Payment Solutions & FINTECH Alliances
SunTrust Bank Nigeria Limited
1 Oladele Olashore Street, Victoria Island, Eti-Osa, Lagos
01.2019 - 12.2021
- Evaluate different payment technologies and systems, such as payment gateways, mobile wallets, tokenization, and blockchain-based solutions, assess their suitability for the Bank's requirements and make recommendations for integration or partnerships with relevant technology providers.
- I collaborated with cross-functional teams, including product managers, developers, project managers, to develop the following;
- Cardless Withdrawal (Paycode) - Issuing & Acquiring
- Payment gateway - TrustPay
- Digital Banking platform - Omni channel
- Card Issuance solution, End-to-End
- Debit Mastercard - issuing
- Digital loans with MIGO & OZE
- I collect data (reports) and analyze information based on system or product performance and present considerations to relevant stakeholders.
- I also obtain customer feedback over a period and using metrics that can aid in service/product enhancement of existing system, provide decision making support to top management.
- Conduct market research and analysis to identify market opportunities and assess the competitive landscape.
- Use this knowledge to inform product strategy and roadmap development.
- Co-managed critical relationships with the business team to help resolve payment issues by providing solutions that are adequate to the business needs.
ISMS MANAGER
SunTrust Bank Nigeria Limited
1 Oladele Olashore Street, Victoria Island, Eti-Osa, Lagos
11.2021 - Current
- Ensure that the critical assets of the Bank are protected, and that business continues to operate with minimal disruptions.
- Prepare the ISMS Calendar and get it approved so that the day-to-day information security/cybersecurity activities are coordinated
- Develop and update the information security policies in the Bank.
- Ensure that all product developments are done in line with the provisions of information security policy, controls, like a secure development area, conducting VAPT before any application is moved to live.
- Communicate the information security policies, within the Bank and a continuous awareness to our customers/interested parties.
- Table top exercise on the Bank's incident response plan.
- Ensure that there is an (up-to-date) Asset register in the Bank.
- Ensure Risk assessment is conducted (by Risk management) periodically and that all identified risk above the risk acceptance level of the Bank are reduced to the acceptable risk level.
- Call for periodic management review.
- Prepare for Internal audit and recertification audit for ISMS/PCIDSS
- Conduct quarterly Vulnerability and Penetration Testing (VAPT)
- Ensure that the implemented controls for Information security remains adequate.
- Maintain and update the continual improvement logs.
- Close out exceptions or non-conformities from Fire drills, Vulnerability and penetration testing (VAPT), Risk assessment, management reviews, internal and external audits.
TEAM LEAD - ELECTRONIC CHANNELS SOLUTION
SunTrust Bank Nigeria Limited
1 Oladele Olashore Street, Victoria Island, Eti-Osa, Lagos
02.2017 - 12.2019
- I register Point of sales (POS) terminals on behalf of merchants, manually configure these terminals before they are being deployed to merchant's locations.
- I also offer first support and training to merchants.
- Using the Terminal log monitoring (TLM) provided by NIBSS, I was able to monitor transactions and performance of our POS terminals.
- I managed our POS estate and ensured that we do not have POS terminals that are inactive, especially if they have been deployed to merchant's location.
- I also re-stock the POS terminals once we reach our re-order levels.
- I was also a key custodian as nominated and entrusted by SunTrust bank Management. As a key custodian, I was saddled with the responsibility of keeping one of the ATM encryption keys. These keys are renewable annually and I would be required to go to Interswitch to retrieve them from the Hardware Security Module (HSM).
- I offer first level support for users (Tellers) on Paydirect and Autopay platforms, particularly on Collection's account setup or transaction posting.
- I also setup collections account for Government agencies, settlement accounts for Micro Finance banks (MFBs) and advise the merchants so that they can map these accounts on their channel.
- I oversee the Settlement and Reconciliation team, where the reconciliation of all E-channels accounts/ledgers (Accounts Payable, Accounts receivable, Settlement account, NOSTRO, Transit account, Channels Suspense accounts) are done using the switch reports and internal account statements. I generate exception reports of open items and submit same at intervals to Internal control for review and posting by the operations team.
- I also oversee the Dispute resolution and Arbitration team, where we respond to all failed transactions complaint. The arbitration with other banks/third parties are done In line with the allowable timelines set by the switch, we also respond to all disputes logged against the bank.
TEAM LEAD, CARD OPERATIONS
SunTrust Bank Nigeria Limited
1 Oladele Olashore Street, Victoria Island, Eti-Osa, Lagos
02.2017 - 12.2019
- I doubled as the team lead for Card operations where I oversee the operations of team, I drafted the departmental policy, and the standard operating procedure/manual for processes in card operations which was approved by management.
- I ensured daily issuance of debit cards (in line with the SLA) to both new and existing customers (Verve card & Mastercard), all personalized cards are sent for onward delivery to the requesting branch, or customer as the case may be.
- I also ensured that Card PAN or PIN are not stored in plain text and only authorized users have access to this information on the Card management system.
- I ensured all Card PIN reset for cardholders are treated within the stipulated time.
- Profile all cards issued for tokenization (3D secure for Mastercard holders and Safetoken for Verve card). This will facilitate OTP for web payments transactions.
- Issue virtual cards on collections accounts opened for Paydirect, Autopay, Quickteller SVA, both for the bank and third-party vendors.
- I offered first level card support to cardholders with either card or PIN issues.
- I monitor Card stock level and ensure that we re-stock once we reach our re-order level
- I render a weekly card issuance report, as this report is used to validate account opening reports and profitability.
Cash Officer/ATM Custodian
SunTrust Bank Nigeria Limited
1 Oladele Olashore Street, Victoria Island, Eti-Osa, Lagos
07.2016 - 02.2017
- Receive cash deposits over the counter from Customers.
- Counted the cash and posted entries on the Core Banking Application (CBA) to reflect customer's transaction.
- For walk-in customers who wanted cash and have presented a completed “cash withdrawal slip”, or cheque; I verify the date on the instrument, I also ensure that amount in words is the same as in numbers, I signature-verify alongside the customer's mandate before I pay out cash to the customer over the counter
- I did daily reconciliation of the cash in my Teller Till box, printed my Teller slip and submitted to the Head of Operations.
- Daily Call-over of my transaction tickets against the transaction journal and submit all my tickets to Internal control for review.
- Receive customer's transfer instruction, and using the SunTrust Instant Transfer (SIT), NEFT system, make transfers on behalf of customers to third-party customer.
- At close of business, all instruments I used for transaction posting are reconciled against journal report, and batched for review by Internal control.
- As the ATM custodian for Victoria Island, I loaded the ATMs once the cash level is low, and post entries to reflect funds loaded/unloaded from the ATM. I also act as first level support for the ATMs.
- Monitor ATM downtime using MONIMANAGER to know when the ATM is either low on cash or have a cash jam.
- Daily reconciliation of the ATM Till accounts, using the e-journals and CBA reports for the ATM Till accounts.
- Receive and resolve/escalate customer's complaint.
Automated Banking Centre, ATM Cluster
Heritage Bank Plc
Head Office 292B Ajose Adeogun Street, Eti-Osa, Lagos
01.2016 - 05.2016
- Responsible for end-to-end process of ATM replenishment for assigned routes and reports forwarded to the central office.
- Supervision of 17 ATM under my purview with daily reconciliation.
- Responsible for attending to FLM/SLM calls and close within given TAT.
- Daily reconciliation of ATM journals for dispense errors and refunds.
- Load to Load analysis of Atm terminals.
- Weekly strategic cash management meetings.
- Vendor relationship with logistic movement companies.
- Post Entries on the Core Banking application to reflect transactions at the point of unloading/reloading.
- Escalate ATM issues internally or to vendor as the case may be.
MICR Processor
Business Service Group (BSG)
Head Office, 292B Ajose Adeogun Street, Eti-Osa, Lagos
02.2014 - 01.2016
- Take daily stock of the different cheque leaflets (Manager's cheque, corporate accounts, individual current, individual savings) in the vault.
- Schedule maintenance of cheque printer as the printer's breakdown after printing 700 managers cheque (70,000 leaflets).
- Assign jobs to other processors by downloading (to excel) all cheque request by customer service officers from the workflow. All printing request are done twice daily.
- Re-stock the consumables, like Magnetic ink ribbons once we have reached our re-order level.
- I also do a physical review of the printed cheque booklets for quality assurance before they are delivered to the team that dispatches them to the various branch.
- I also forward the cheque range and control number to my supervisor so that it can be maintained on the core banking application.
- I submit daily report of cheques printed, and cheque stock report to my supervisor.
Education
B.Sc - Statistics with Computer Science
University of Benin
Benin City, Edo State 05.2007 - 12.2011
Diploma - Computer Engineering
University of Benin
Benin City, Edo State 04.2005 - 12.2006
National Examination Council (NECO) - Sciences
Oghenovo Memorial International College - OMIC
Otto-Awori LGA, Lagos State 09.1997 - 07.2003
Webinars - ISO/IEC 27001, ISO 22301 -
PECB
2022
Certificate of Attendance - • Anti-Money laundering and Combating the Financing of Terrorism (AML/CFT)
SunTrust Bank Nigeria Limited
Lagos, Nigeria 12.2018 - 12.2021
ISO Lead Implementer & ISO Lead Auditor -
PECB
Skills
- Product management - Payment solutions from ideation to adoption & profitability
- Banking - Financial inclusion & FINTECH alliances
- Management systems - Implementation and management
- Analytical and problem-solving skills
- Core Banking Application
- Business analysis & development
- Slack, Power BI, Microsoft Office
- Strong leadership capabilities
- Excellent people's skills
- Project Management
Affiliations
Member, The Chartered Institute of Bankers Nigeria (CIBN) ongoing
PECB
Languages
English
Fluent
Timeline
FINANCIAL INCLUSION - AGENCY BANKING
SunTrust Bank Nigeria Limited
01.2022 - Current
ISMS MANAGER
SunTrust Bank Nigeria Limited
11.2021 - Current
Payment Solutions & FINTECH Alliances
SunTrust Bank Nigeria Limited
01.2019 - 12.2021
Certificate of Attendance - • Anti-Money laundering and Combating the Financing of Terrorism (AML/CFT)
SunTrust Bank Nigeria Limited
12.2018 - 12.2021
TEAM LEAD - ELECTRONIC CHANNELS SOLUTION
SunTrust Bank Nigeria Limited
02.2017 - 12.2019
TEAM LEAD, CARD OPERATIONS
SunTrust Bank Nigeria Limited
02.2017 - 12.2019
Cash Officer/ATM Custodian
SunTrust Bank Nigeria Limited
07.2016 - 02.2017
Automated Banking Centre, ATM Cluster
Heritage Bank Plc
01.2016 - 05.2016
MICR Processor
Business Service Group (BSG)
02.2014 - 01.2016
B.Sc - Statistics with Computer Science
University of Benin
05.2007 - 12.2011
Diploma - Computer Engineering
University of Benin
04.2005 - 12.2006
National Examination Council (NECO) - Sciences
Oghenovo Memorial International College - OMIC
09.1997 - 07.2003
Webinars - ISO/IEC 27001, ISO 22301 -
PECB
ISO Lead Implementer & ISO Lead Auditor -
PECB
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