Summary
Overview
Work History
Education
Skills
Websites
Affiliations
Accomplishments
Referees
Timeline
Generic

Andrew Ngala

Nairobi

Summary

Dynamic Senior Relationship Officer with twenty years of extensive experience in banking, customer relationship management, excelling in SWIFT operations, and regulatory compliance. Proven track record in enhancing customer relationships and optimising transaction reconciliation processes. Adept at strategic planning and communication, driving efficiency in international banking operations while ensuring adherence to compliance standards.

Overview

28
28
years of professional experience

Work History

Senior Relationship Officer-SWIFT Operation

Equity Bank Limited
Nairobi County
01.2018 - Current
  • As a Senior Relationship Officer - SWIFT Operation at Equity Bank Kenya I play a crucial role in managing and facilitating both local and international transactions through the SWIFT (Society for Worldwide Interbank Financial Telecommunication) network. My primary responsibilities include:
  • 1. SWIFT Operations Management: Overseeing the processing and settlement of international payments, ensuring that all SWIFT messages (such as MT103, MT202) are accurate, timely, and compliant with international banking standards.
  • 2. Customer Relationship Management: Acting as the main point of contact for corporate clients, handling their inquiries, resolving issues related to international transactions, and providing guidance on using SWIFT services effectively.
  • 3. Compliance and Risk Management: Ensuring that all SWIFT transactions adhere to regulatory requirements, including anti-money laundering (AML) and combating the financing of terrorism (CFT) policies. They also monitor for any suspicious activities.
  • 4. Team Coordination: Leading a team of relationship officers, providing training, and ensuring that the team meets performance targets related to SWIFT operations.
  • 5. Reconciliation, reporting and documentation: Preparing and maintaining reports on SWIFT operations, transaction volumes, and any discrepancies that may arise, and providing these to senior management.
  • To diligently perform this task, I have built a strong understanding of international banking operations, excellent customer service skills, and the ability to manage compliance and risk within the banking sector.

SWIFT International Correspondent Relationship Officer

Equity Bank Limited
Upperhill, Nairobi
01.2014 - 01.2018
  • - Correspondent Bank Relationship Management: I maintained and strengthened relationships with international correspondent banks, ensuring effective communication and collaboration. I acted as the primary liaison, handling inquiries, and resolving any issues related to cross-border transactions.
  • - SWIFT Message Processing: I managed the processing of SWIFT messages (e.g., MT103, MT202), ensuring accuracy and compliance with both bank standards and international regulations. I coordinated with correspondent banks to confirm transaction details and resolve any discrepancies.
  • - Compliance and Regulatory Adherence: I ensured that all SWIFT transactions complied with global regulatory requirements, including anti-money laundering (AML) and combating the financing of terrorism (CFT) guidelines. I monitored transactions for any suspicious activity and reported it to the relevant authorities.
  • - Reconciliation and Discrepancy Resolution: I performed regular reconciliation of international transactions, comparing SWIFT messages with internal records to identify and rectify any discrepancies. I worked closely with internal departments and correspondent banks to resolve any issues promptly.
  • - Risk Management: I monitored the risks associated with international transactions, implementing controls to mitigate potential operational risks. I provided insights to senior management on risk exposure and suggested measures to enhance transaction security.
  • - Reporting and Documentation: I prepared detailed reports on international transaction flows, correspondence with banks, and any issues encountered. I ensured that all documentation was thorough and accessible for audits and compliance checks.
  • - System and Process Optimization: I collaborated with IT and operations teams to optimize the SWIFT messaging system, ensuring it met the evolving needs of international banking operations. I also identified areas for process improvement and worked to enhance efficiency in transaction handling.

SWIFT Inward Relationship Officer

Equity Bank Limited
Upperhill, Nairobi
01.2010 - 01.2014
  • My primary responsibilities included:
  • - SWIFT Message Processing: I handled inward SWIFT messages, verifying their authenticity and accuracy, and ensured they conformed to the bank's standards. This included processing messages like MT103 (customer credit transfers) and MT202 (financial institution transfers).
  • - Transaction Monitoring and Reconciliation: I monitored incoming transactions to ensure they were correctly credited to the appropriate accounts. I performed daily reconciliation of these transactions, quickly identifying and resolving any discrepancies between SWIFT messages and internal records.
  • - Client and Correspondent Bank Liaison: I was the main point of contact for clients and correspondent banks regarding inward SWIFT transactions. I maintained strong relationships and effectively communicated to address inquiries and resolve issues related to received funds.
  • - Compliance and Risk Management: I ensured all transactions adhered to regulatory requirements, particularly concerning anti-money laundering (AML) and combating the financing of terrorism (CFT). I monitored transactions for unusual activity and reported any suspicious findings to compliance authorities.
  • - Reporting and Documentation: I maintained detailed records and reports of all inward transactions, ensuring they were accessible for audits and compliance checks. I regularly updated senior management on transaction statuses, highlighting any issues or delays.
  • - System and Process Management: I oversaw the SWIFT system for incoming transactions, collaborating with IT and other departments to address technical issues and improve system efficiency.
  • - Issue Resolution and Customer Support: I promptly resolved discrepancies or issues related to inward SWIFT transactions, working closely with clients and correspondent banks to ensure smooth processing. I also provided guidance to clients on SWIFT-related matters.

Treasury Back office Officer

Equity Bank Limited
Upperhill, Nairobi
01.2009 - 01.2010
  • Trade Confirmation and Settlement:
  • - I verified and confirmed the details of treasury transactions, including foreign exchange, money market, and derivative trades, ensuring accuracy before settlement.
  • Reconciliation:
  • - I performed daily reconciliation of treasury accounts, matching transaction records with bank statements to identify and resolve discrepancies.
  • Regulatory Compliance:
  • - I ensured that all treasury operations adhered to regulatory requirements, including compliance with Central Bank guidelines and international financial regulations.
  • - I monitored transactions for adherence to limits and controls, reporting any breaches to senior management.
  • Risk Management:
  • - I assisted in monitoring and managing operational risks within the treasury back office, implementing controls to mitigate potential risks associated with treasury operations.
  • - I supported the treasury front office by providing accurate reports and data to aid in decision-making and risk assessment.
  • Reporting and Documentation:
  • - I prepared and maintained detailed reports on treasury transactions, cash flow, and other financial activities, ensuring all documentation was up-to-date and accessible for audits.
  • Liaison with Counterparties:
  • - I acted as the main point of contact for external counterparties, such as banks and financial institutions, to resolve any issues related to trade settlements and confirmations.
  • - I coordinated with internal departments, such as finance and compliance, to ensure the seamless flow of information and the resolution of any operational issues.
  • System Management and Support:
  • - I managed and supported the treasury management system (TMS), ensuring that it was functioning correctly and that all transactions were accurately captured.
  • - I collaborated with IT and other departments to implement system upgrades or changes, ensuring minimal disruption to treasury operations.

Forex, Western Union and Corporate Operations Officer

Equity Bank Limited
Kariobangi, Nairobi
01.2006 - 01.2009
  • Forex Operations:
  • - I managed foreign currency transactions, including buying and selling different currencies based on market rates.
  • - I provided customers with up-to-date exchange rates and advised them on the best times to conduct their transactions.
  • - I ensured compliance with regulatory requirements for foreign exchange transactions, including monitoring for any suspicious activities.
  • Western Union Operations:
  • - I facilitated money transfers through the Western Union platform, ensuring accuracy and efficiency in processing both inbound and outbound transactions.
  • - I resolved issues related to money transfers, such as delays or discrepancies, by coordinating with Western Union representatives.
  • Corporate Operations:
  • - I supported corporate clients with their banking needs, including handling large-scale transactions and providing tailored financial solutions.
  • - I processed bulk payments, salary disbursements, and other corporate transactions while ensuring compliance with internal and external policies.
  • - I maintained strong relationships with corporate clients, addressing their inquiries and offering insights on optimizing their banking operations.
  • Back Office Operations:
  • - I managed back-office tasks such as reconciliations, transaction verification, and ensuring that all financial records were accurately maintained.
  • - I coordinated with various departments to ensure that all transactions were processed smoothly and efficiently.
  • Checks Clearing:
  • - I handled the processing of checks, ensuring they were cleared in a timely manner according to bank policies and regulatory standards.
  • - I monitored the clearing process to identify and resolve any discrepancies or issues that arose during the clearing cycle.
  • Accounts Opening:
  • - I assisted clients in opening new accounts, guiding them through the required documentation and ensuring all necessary information was accurately captured.

Frontline Associate Teller

Equity Bank Limited
Thika, Kiambu
10.2004 - 01.2006
  • Forex Operations:
  • - I managed foreign currency transactions, including buying and selling different currencies based on market rates.
  • - I provided customers with up-to-date exchange rates and advised them on the best times to conduct their transactions.
  • - I ensured compliance with regulatory requirements for foreign exchange transactions, including monitoring for any suspicious activities.
  • Western Union Operations:
  • - I facilitated money transfers through the Western Union platform, ensuring accuracy and efficiency in processing both inbound and outbound transactions.
  • - I resolved issues related to money transfers, such as delays or discrepancies, by coordinating with Western Union representatives.
  • Corporate Operations:
  • - I supported corporate clients with their banking needs, including handling large-scale transactions and providing tailored financial solutions.
  • - I processed bulk payments, salary disbursements, and other corporate transactions while ensuring compliance with internal and external policies.
  • - I maintained strong relationships with corporate clients, addressing their inquiries and offering insights on optimizing their banking operations.
  • Back Office Operations:
  • - I managed back-office tasks such as reconciliations, transaction verification, and ensuring that all financial records were accurately maintained.
  • - I coordinated with various departments to ensure that all transactions were processed smoothly and efficiently.
  • Checks Clearing:
  • - I handled the processing of checks, ensuring they were cleared in a timely manner according to bank policies and regulatory standards.
  • - I monitored the clearing process to identify and resolve any discrepancies or issues that arose during the clearing cycle.
  • Accounts Opening:
  • - I assisted clients in opening new accounts, guiding them through the required documentation and ensuring all necessary information was accurately captured.

Sales and Marketing Executive

Premier Industries Company
NAIROBI, Kenya
01.2002 - 12.2003
  • Conducted market research to identify trends and opportunities for business growth.
  • Assisted in planning and executing promotional events to enhance brand visibility.
  • Collaborated with sales team to strategize effective outreach and client acquisition methods.
  • Analyzed customer feedback to refine marketing strategies and improve service delivery.

Primary and Secondary teacher

Moy`yo Academy
NAIROBI, Kenya
01.1998 - 12.1999
  • Developed engaging lesson plans for diverse student needs and learning styles.
  • Implemented classroom management strategies to maintain a positive learning environment.
  • Collaborated with colleagues to design interdisciplinary projects and activities.
  • Assessed student performance through tests, projects, and assignments regularly.

Education

Bachelor of Business Administration - BBA - Finance, General

Kenya Methodist University
Nairobi
10.2025

Associates of Kenya Institute of Bankers (AKIB) - Banking and Financial Support Services

Kenya Institute of Bankers
Nairobi
01.2010

Diploma in Banking - Banking and Financial Support Services

Kenya School of Monetary Studies
Nairobi
01.2000

Certificate in Kenya Business Education - Banking and Financial Support Services

Kenya School of Monetary Studies
Nairobi
12.1998

Skills

  • Customer relationship management
  • SWIFT operations
  • Relationship management
  • Transaction reconciliation
  • Communication skills
  • Customer portfolio management
  • Regulatory compliance
  • Strategic planning

Affiliations

  • Youth mentorship

Accomplishments

  • I have been awarded for being the best Front Line Associate (FLA) in Kenya, as I served as the Western Union money transfer champion in 2006
  • I directed a program in the bank to have a full agency where Western Union money transfer services are concerned, and this has been successfully enrolled since the year 2008. This initiative resulted in an increase in commission for the company
  • I have been involved in various product development programmes, most of which have been effectively enrolled and are currently serving as cash cows among other bank products and programmes.

Referees

Mr. John Maghanga

Rural Electrification and Renewable Energy Corporation (REREC)

Kawi House, off Red Cross Road, South C

P.O BOX 34585 - 00100

Tel  0722650255

Email johnmaghanga@yahoo.com

Mr. Joshua Odero

Credit Bank Kenya Limited

Jodero@creditbank.co.ke or Joshuaaoluoch@gmail.com

P.O. BOX 61064-00200 Nairobi

Tel. 0720393402 / 0780393400

Timeline

Senior Relationship Officer-SWIFT Operation

Equity Bank Limited
01.2018 - Current

SWIFT International Correspondent Relationship Officer

Equity Bank Limited
01.2014 - 01.2018

SWIFT Inward Relationship Officer

Equity Bank Limited
01.2010 - 01.2014

Treasury Back office Officer

Equity Bank Limited
01.2009 - 01.2010

Forex, Western Union and Corporate Operations Officer

Equity Bank Limited
01.2006 - 01.2009

Frontline Associate Teller

Equity Bank Limited
10.2004 - 01.2006

Sales and Marketing Executive

Premier Industries Company
01.2002 - 12.2003

Primary and Secondary teacher

Moy`yo Academy
01.1998 - 12.1999

Bachelor of Business Administration - BBA - Finance, General

Kenya Methodist University

Associates of Kenya Institute of Bankers (AKIB) - Banking and Financial Support Services

Kenya Institute of Bankers

Diploma in Banking - Banking and Financial Support Services

Kenya School of Monetary Studies

Certificate in Kenya Business Education - Banking and Financial Support Services

Kenya School of Monetary Studies

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Andrew Ngala