CHRISTINE WANJIRU NJOROGE
Nairobi
Summary
Detail-oriented banking and finance professional experienced in cash management, branch operations, reconciliations, and regulatory compliance. Managed branch cash, enforced AML/KYC controls, and supported GL reconciliations while maintaining strict internal controls. Led teams of tellers to enhance operational efficiency and deliver superior customer service. Holds CPA Foundation level with strong analytical and risk mitigation skills.
Overview
6
6
years of professional experience
Work History
Relationship Officer, Operations
Equity Bank Limited
Embakasi
2024.01 - Current
- Transaction Processing: Execute high-volume financial transactions, including check deposits, internal transfers, RTGS, SWIFT, and EFT, with 100% accuracy.
- Remittance Management: Facilitate international money transfers via Western Union, MoneyGram, RIA, Transfuse, and HelloPaisa, ensuring seamless global transactions.
- Daily Reconciliation: Balance physical till cash against system records daily, and prepare comprehensive cash reports to account for any shortages or excesses while observing intra-day and end-of-day limits.
- Liquidity Oversight: Manage branch cash levels, mobile money floats (M-Peas/Playbill), and petty cash, coordinating closely with the accountant to ensure fund accountability.
- Risk Mitigation: Safeguard bank assets by following standard operating procedures (SOPs), and verifying documentation before processing withdrawals or payments.
- Regulatory Compliance: Manage the end-to-end account opening process in strict adherence to KYC (Know Your Customer), AML (Anti-Money Laundering), and the Bank Secrecy Act.
- Merchant Recruitment: Identified and recruited merchants for till numbers, coordinated business branding, and educated on payment solutions, contributing to increased merchant engagement.
- Digital Onboarding: Enroll customers in mobile and online banking platforms, ensuring they are fully equipped to use digital banking tools effectively.
- Card Services: Oversee the preparation, issuance, and activation of ATM, debit, and credit cards for new and existing clients.
- Documentation: Conduct daily callbacks, and maintain organized filing systems to ensure all account records meet institutional and legal standards.
- Client relationship building: Established trust and credibility through open communication, resulting in high customer satisfaction and retention rates.
- Problem Resolution: Serve as the first point of contact to resolve customer inquiries and issues with efficiency, professionalism, and accuracy.
- Needs Assessment: Identify and assess customer needs to provide relevant information, and recommend appropriate banking products or services.
- Cross-selling: Promoted bank’s diverse product portfolio to existing clients, strengthening customer-bank relationships and encouraging product utilization.
- 24/7 Support: Ensure high-quality support during the onboarding phase, addressing customer questions using the appropriate language, and technical tools.
- Cash Management.
- Account Opening and Onboarding.
- Customer Service and Relationship Management.
Payment Agent
Equity Bank Limited
Donholm
2022.03 - 2023.12
- Recruited and managed Pay With Equity (PWE) tills, billers, and Eazystock clients, driving retention and boosting transaction volumes.
- Cultivated strong merchant relationships through regular visits, branding support, and transaction performance monitoring.
- Trained merchants on secure mobile payment practices to minimize fraud and operational risk.
- Facilitated branch operations by opening accounts, issuing ATM cards, and participating in staff training programs.
Accounts Assistant
Daima Stores Limited
2021.03 - 2021.12
- Managed petty cash, processed payments, prepared checks, and supported VAT and tax computations to ensure compliance and accuracy.
- Maintained accurate general ledger records and assisted in financial analysis and reporting to facilitate informed decision-making.
- Prepared financial statements, including income statements, balance sheets, cash flows, and bank reconciliations to provide clear financial insights.
Cashier
Society Stores Supermarket
2020.11 - 2021.01
- Accurately processed customer purchases using a cash register or point-of-sale (POS) system by scanning or manually entering product codes and accepting various forms of payment (cash, credit/debit cards, mobile payments, etc.).
- Managed cash transactions, accurately counting cash drawer at shift start and end, and reconciling discrepancies to maintain financial accuracy.
- Processed customer returns and exchanges according to store policies, ensured the items were in acceptable condition and issued appropriate refunds.
- Promoted and enrolled customers in loyalty programs, provided information about benefits and ensured they received any applicable discounts or rewards.
- Greeted customers warmly, assisted with inquiries, and guided them on store layout, promotions, and product locations to enhance their shopping experience.
- Maintained a clean and organized cashier station including removing empty carts, tidying the surrounding area and replenishing necessary supplies such as bags, receipt paper and cleaning materials.
- Monitored sales figures and inventory levels to ensure product availability, promptly notifying supervisors of low stock or popular items needing restocking.
- Assisted customers and colleagues with price inquiries, verified pricing discrepancies, and performed price overrides.
- Properly bagged customers' items, ensuring fragile items are handled with care and heavy items are packed securely.
Accounts Attachee
Meru Teaching and Referral Hospital
2019.09 - 2019.11
- Assisted in preparation of financial statements, including balance sheets, income statements, cash flow statements, bank reconciliation statements, and ledger balancing, contributing to accurate financial reporting.
- Maintained accurate and organized financial records and ensured timely processing of LPO, LSO, Imprest, payment vouchers, and invoices, facilitating efficient financial operations.
- Prepared payroll and managed remittance of statutory deductions, revenue and expenditure returns, and processed NHIF claims, ensuring compliance with financial regulations.
- Kept up to date with accounting principles, regulations and best practices and assisted the accountant on feeding staff receipts on the system.
Enumerator
Kenya National Bureau of Statistics
2019.08
- Mapped boundaries for Enumeration Areas (EAs), located all structures, and visited every household to compile a comprehensive list of usual members in assigned EA prior to enumeration exercise.
- Administered questions and recorded responses for all individuals who spent the night of 24th/25th August 2019 in each household within assigned Enumeration Area.
- Coordinated acquisition of all necessary equipment and materials for enumeration, ensuring complete and accurate responses were captured during the exercise.
- Forwarded all equipment and questionnaires (used and unused), maps, notebooks and any other materials as directed at the Content Supervisor after the enumeration exercise.
Education
Certified Public Accountants - Foundation Level (Section1 and 2), Exemption Approved
Kenya Accountants And Secretaries National Examinations Board
01.2021
Bachelor of Commerce - Accounting Option, Second Class Honors Upper Division
Dedan Kimathi University of Technology
Kenya01.2021
Certificate in Computer Packages -
Skytech Computers Equator
Kenya04.2018
Kenya Certificate of Secondary Education - KCSE-Attained B, 64 points
Kajiunduthi High School
Meru01.2016
Kenya Certificate of Primary Education - KCPE-Attained 339 marks
Kalewa Primary School
01.2012
Skills
Cash management and vault/till custody
Branch operations and internal controls
AML, KYC, and regulatory compliance
GL management and reconciliations
Risk identification and mitigation
Teller supervision and coaching
Customer service excellence
Mobile and digital banking operations
Financial reporting and analysis
Erp Technical Skills
- Proficient in Microsoft Suite, Google Suite, emails, the internet, and advanced Excel
- Proficient in preparing and analyzing financial statements according to GAAP/IFRS standards
- Good in financial analysis, financial management, budgeting, forecasting, general ledger management, accounts payables and receivables, financial reporting, bank reconciliation, and balance sheets
Referees
Name Position Company Contact
Mr. Morris Mugendi Senior Accountant Daima Stores Limited +254 792 647 758
Mrs. Nancy Kariuki RM-Supervisor (Cash ) Equity Bank, Embakasi +254 726 337 755
Mr. John Ngarachu Payments Supervisor Equity Bank, Donholm +254 763 258 080
Timeline
Relationship Officer, Operations
Equity Bank Limited
2024.01 - Current
Payment Agent
Equity Bank Limited
2022.03 - 2023.12
Accounts Assistant
Daima Stores Limited
2021.03 - 2021.12
Cashier
Society Stores Supermarket
2020.11 - 2021.01
Accounts Attachee
Meru Teaching and Referral Hospital
2019.09 - 2019.11
Enumerator
Kenya National Bureau of Statistics
2019.08
Certified Public Accountants - Foundation Level (Section1 and 2), Exemption Approved
Kenya Accountants And Secretaries National Examinations Board
Bachelor of Commerce - Accounting Option, Second Class Honors Upper Division
Dedan Kimathi University of Technology
Certificate in Computer Packages -
Skytech Computers Equator
Kenya Certificate of Secondary Education - KCSE-Attained B, 64 points
Kajiunduthi High School
Kenya Certificate of Primary Education - KCPE-Attained 339 marks
Kalewa Primary School