Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Trainings
Timeline
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Humphrey Oluwagbenga

Humphrey Oluwagbenga

Product Manager
Ifako, Gbagada

Summary

My dynamic career reflects a rich experience & year-on-year success in IT and ATM Support, Data Analytics, Channels Switching, Customer Engagement, Electronic Business, Acquiring Management, and Business Development.

I am a results-driven professional with a record of achievement in growing numbers, driving performance, and providing an excellent Customer experience,

I am a forward-thinking person with strong communication, analytical & organizational skills with a record that demonstrates self-motivation & creativity to achieve corporate goals.

Overview

10
10
years of professional experience
8
8
Certifications

Work History

Head, Merchant Acquiring & Terminal Operations

Wema Bank PLC
06.2021 - Current
  • Increased profit margins by driving growth and profitability through deployments of innovative solutions on physical and emerging channels and effectively controlling budget and optimizing product turns.
  • Collaborated with partners and digital payment providers to develop progressive and agile payment solutions.
  • Performed market research and opportunity assessments on new digital concepts and ideas and collaborated cross-functionally with headquarters, regional and other teams nationally to maintain consistent message and experience.
  • Compiled and analyzed data to determine approaches to improve sales and performance.
  • ATM acquiring capabilities including switch setup on Postilion and the support of ATM end to end.
  • Good experience with CyberSource, MPGS, QPAY and QCB gateways and basic understanding of coding languages like Java, .NET, ASP or PHP.
  • Managed Payment Terminal Service Providers (PTSPs), Third-Party Processors like UPSL and ISW, and Card Schemes (Mastercard, VISA) and ensured these partners adhere to agreed Service Level Agreements (SLAs).
  • Conducted regular audits of merchandise displays, ensuring adherence to company standards and visual appeal for customers.
  • Managed revenue models, process flows, operations support and customer engagement strategies.
  • Good experience in TWO (Transaction Workflow Optimization), FIMI (Financial Institution Managed Interface) and HISDK (Host Integration Software Development Kit).
  • Created sales pipeline by on-boarding enterprise partners on API services and API calls to achieve business applications’ goals, and building relationships with MFBs, Fintechs and Mobile Money Operators to deliver value-add digital solutions leveraging on Settlement Services, Payment Gateways, Web gateways and APIs.
  • Executed SoftPOS, DCIR, Pay With Transfer, Cashback promo, Buy Now Pay Later (BNPL) on POS terminals.
  • Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
  • Engaged in product training, demonstrations, consumer awareness, branding, and acquisition initiatives to raise awareness and revenues.
  • Built relationships with customers and community to establish long-term business growth.
  • Negotiated favorable contracts with suppliers that resulted in cost savings without compromising quality or availability of products.

Lead, E-Business Support & Operations

Wema Bank PLC
01.2018 - 06.2021
  • Maintained strict compliance with all relevant regulations and industry best practices, ensuring legal adherence throughout all aspects of business operations.
  • Deployment, installation, and customization of physical and emerging channels (ATM, POS, CARDS, WEB) to retail consumers.
  • Led contract negotiations with external partners, securing favorable terms that maximized benefits without sacrificing quality or service standards.
  • Undertook daily operational checks to ensure 24/7 platform stability, investigating and resolving identified issues on physical channels.
  • Evaluated staff performance and provided coaching to address inefficiencies.
  • Devised processes to boost long-term business success and increase profit levels.
  • Designed and implemented risk management system to identify and mitigate potential risks.
  • Conducted regular reviews of operations and identified areas for improvement.
  • Improved overall business efficiency by streamlining processes and implementing innovative solutions.
  • Designed and implemented training programs to enhance employee skillsets, resulting in increased productivity levels across the organization.
  • Evaluated customer needs and feedback to drive product and service improvements.
  • Increased team collaboration by promoting open communication channels among employees, fostering a positive work environment conducive to innovation and problemsolving.

Lead, E-Channel Support Officer

Guaranty Trust Bank PLC
12.2014 - 11.2017
  • Ensured uptime, reliability of physical channels (ATM&POS) and maintain success rate of card transaction to 99.9% and resolve escalated errors.
  • Assisted in site preparation, including installation of cable, staging of equipment and testing. Also, perform required modular swaps and unit replacements.
  • Provide In-House support on related transaction failures administer over the postilion (FEP) server as it concerns the smooth running of the channels.
  • Configuration of ATM on FEP and customizations as required by the ATM Support Team, and management of Inbranch POS terminal on TAM applications.
  • Creation of Virtual PAN for Autopay, Pay-Direct and Remita which is updated on postcard for payment and transfer transactions.
  • Documented work requests & combined critical factors for decision-making including requirements, options, scope,and risk/value assessment.
  • Card production - Extraction of card file, card job execution on postcard and upload of the output to Perso Company – Secure ID or Avidor for the physical card production.
  • Scrutinized the supply-chain systems involving allocation, distribution, warehouse, price management, inventory management and global tracking.

Agent Banking and Financial Inclusion Officer

Guaranty Trust Bank PLC
09.2014 - 11.2014
  • Implemented innovative marketing campaigns to raise brand awareness and drive lead generation efforts for the agency.
  • Maintained comprehensive product and service knowledge for accurate, informative customer advice.
  • Delivered exceptional customer service by proactively addressing concerns and fostering a positive experience throughout all interactions.
  • Collaborated with stakeholders to complete property sales and purchases.
  • Strategic business development, profiling, and mapping of the Agent Banking and Mobile Money Operations of GTBank Plc across 12 states in the Far North Region of Nigeria.
  • Successfully conceptualized and executed the strategy to ensure total coverage of all accessible Local Government Areas in the region with Agent locations (over 250 Local Government Areas covered), thus giving rise to the largest Agent Banking Network operation in the Far North region of Nigeria, providing financial services to areas where
    access to financial services was previously unavailable.
  • Data profiling and interpretation of market trends, competitor activity monitoring and analysis to ensure the business remains the clear leader in the market and remains the top choice among all agents in the agent network.
  • A part of the team that developed and reviewed the Standard Operating Procedure (S.O.P) for the Agent Banking Project framework of GTBank Plc Limited while at the go-to-market stage and the eventual successful take-off of the Agent Banking Network at GTBank Plc.
  • Engagement with internal and external stakeholders to sustain the Banks’ goal and commitment to the implementation of The National Financial inclusion strategy – ensure gold standard service is always delivered to every customer at every touch point.
  • Worked on market analysis, growth pattern & micro & macro indices that might influence client’s market share.
  • Resolved the documenting business problems & new initiatives with both internal and external clients - prepare presentations on the design of solutions for clients.
  • Deliberated, assessed & prepared reported and delivered the same to senior management regarding project performance including any key issues and revisions using Microsoft Project.

Education

Bachelor of Science - BEng, Electronic Systems Engineering

University of Portsmouth
United Kingdom
04.2001 -

Bachelor of Science - Electrical & Electronics Engineering

Federal Polytechnic Offa
Kwara State, Nigeria
04.2001 -

Skills

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Accomplishments

  • Successful integration of ATM EJ/Footage to Central Archiving System at GTBank, PLC.
  • Implementation of i-Cam solution at GTBank, PLC.
  • First successful activation of Vortex and GRG ATM in Wema Bank PLC.
  • Implementation of ATM Intelligent Camera solution (ATM-MON) for transactions optimization in Wema Bank PLC.
  • Successful integration of NIP, USSD on merchant POS terminal with Wema Bank PLC.
  • Coordinated several terminal upgrades at GTBank PLC in line with the complaint standard.
  • Design and development of the Centralized Archiving System (CAS) for ATM transactions data at Wema Bank PLC.
  • Implementation of Zone Switch with Wema Bank PLC. JCF and Union-Pay integration on ATM with Interswitch at Wema Bank PLC.
  • Pay-Arena integration on ATM with UPSL at Wema Bank PLC.
  • Robotics reconciliation (WBOT) of the ATM transactions with Wema Bank PLC.
  • Implementation of Biometric Technology on the ATM with Wema Bank PLC.
  • Implementation of Failover System and Direct Card Routing (DCIR) with Wema Bank Plc.
  • Implementation of Instant settlement solution on merchant POS at Wema Bank PLC.
  • Successful integration of GRG hybrid (cash and deposit) ATM with Wema Bank PLC.
  • Successful migration of ATM’s O/S to Windows 10 with Wema Bank PLC.
  • Implementation of “Pay with Transfer Solution” on POS with Wema Bank PLC.
  • Implementing compensating control mechanism (SYMANTEC) to hardening protection policies on the ATM at Wema Bank PLC.
  • Nano POS monitoring solution and its integration to PTSP application via API calling with Wema Bank PLC.
  • Implementation of Cashback Reward Promo for Retail SME and E-commerce platform toward driving merchant acquisition at Wema Bank PLC.
  • Managed the integration and deployment of MasterCard Products in the bank (MasterCard Debit, Prepaid, Credit and Dollar Debit Card) at Wema Bank PLC.
  • Successfully integrated and deployed MasterCard Secure code in the new bank at Wema Bank PLC.
  • Managed the implementation and launch of MasterCard Prepaid Dollar Card at Wema Bank PLC.
  • Deployment of Card Kiosk for instant card issuance – Production and Activation (End to End) at Wema Bank PLC.

Certification

Postilion User Training by Interswitch

Trainings

  • Anti-money Laundry Training, Ibadan, Nigeria, 2013.
  • Tactical Forum Participation, Master Card Worldwide Dubai, 2013.
  • CompTIA A+ Certification, 2013.
  • Electronic Banking & Payment Systems in a Cashless Economy CIBN Lagos, 2014.
  • Card Business Profitability Participation, Master Card Worldwide Lagos, 2014.
  • Cashless Champion Awards Participation, Master Card Worldwide, 2014.
  • Dynamics of Merchants Acquiring Participation, Master Card Worldwide Dubai, 2015.
  • ATM factory visit to Wincor Nixdorf, Netherland, and Germany – CWG/Wincor Nixdorf (2015).
  • Leveraging X Border Acquiring to Increase Profitability, Master Card Worldwide Ghana, 2016.
  • Train the Trainer, FITC Consulting Research Lagos, 2016.
  • Securing your E-Commerce Business – MasterCard Worldwide Dubai, 2016.
  • Technical Support Expert, University of Portsmouth (2016).
  • Acquiring 101 – Strategies of Merchant Acquiring, Master Card Worldwide Dubai, 2017.
  • ATM-App Terminal Driving Interface and Download Building – Interswitch International, Lagos (2017).
  • IT Security Fundamental; Core concept, 2018.
  • Data Analytics Expert, 2019.
  • Factory visit to Enza, Cairo, Egypt (2022) - Dispute, chargeback, Fraud Management and E-commerce Training.
  • Factory visit and Emerging Business Summit (Global Conference Expo - 2023), GRG, Guangzhou, China.

Timeline

SANEF Certified Partner

03-2023

Dispute, chargeback, and E-commerce Training (ENZA)

12-2022

Head, Merchant Acquiring & Terminal Operations

Wema Bank PLC
06.2021 - Current

Member, Certified Analytics Professional (CAP)

03-2021

Information Technology Infrastructure Library (ITiL)

02-2020

Microsoft Office Specialist: Excel Associate

12-2019

Microsoft Certified Technology Specialist (MCTS)

10-2018

Lead, E-Business Support & Operations

Wema Bank PLC
01.2018 - 06.2021

Lead, E-Channel Support Officer

Guaranty Trust Bank PLC
12.2014 - 11.2017

Agent Banking and Financial Inclusion Officer

Guaranty Trust Bank PLC
09.2014 - 11.2014

Cisco Certified Networks Associate

09-2014

Postilion User Training by Interswitch

03-2014

Bachelor of Science - BEng, Electronic Systems Engineering

University of Portsmouth
04.2001 -

Bachelor of Science - Electrical & Electronics Engineering

Federal Polytechnic Offa
04.2001 -

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Humphrey OluwagbengaProduct Manager