Summary
Overview
Work History
Education
Skills
Accomplishments
References
Timeline
Generic

Lucy Mugambi

Banking operations,risk and controls.
Nairobi

Summary

Banking and finance professional with expertise in risk assessment and compliance management. Developed and implemented effective risk strategies that enhance operational processes and ensure regulatory alignment, fostering strong stakeholder relationships to improve governance.

Overview

20
20
years of professional experience

Work History

Assistant Manager, Business Risk and Compliance

Equity Bank (K) Ltd
07.2025 - Current
  • Developed and implemented first-line risk management strategy, enhancing organizational resilience.
  • Created risk universe control library to standardize risk assessment processes.
  • Conducted regular risk assessments, updating profiles to reflect current vulnerabilities.
  • Monitored inherent risks against controls, remediating issues proactively.
  • Ensured compliance with regulations while implementing audit recommendations effectively.
  • Liaised with department heads to integrate risk management into operational workflows.
  • Documented risk assessments for product and system changes, ensuring thorough evaluation.
  • Steered business process reengineering efforts that introduced automation and reduced manual errors.

Senior Officer – Operations Internal Controls

Equity Bank (K) Ltd
06.2020 - 06.2025
  • Conducted compliance reviews and branch site visits, ensuring adherence to internal controls.
  • Conducted AML reviews of customer accounts, escalating suspicious transactions for further investigation.
  • Developed standardized testing frameworks for quick identification of weaknesses.
  • Streamlined internal processes using automated tools, boosting accuracy and minimizing manual work.
  • Improved operational efficiency through process automation and risk management enhancements.
  • Developed e-learning modules for staff training, enhancing knowledge retention and compliance awareness.
  • Performed remote branch process reviews through digital snap checks, generating structured reports for management and audit review.

Senior Relationship Officer – Cash Management

Equity Bank (K) Ltd
12.2013 - 05.2020
  • Managed cash flow and liquidity to ensure operational efficiency.
  • Developed client relationships and addressed inquiries to enhance satisfaction.
  • Led branch operations, customer service initiatives, and staff training programs.
  • Custodian of branch operations policies and procedures, ensuring compliance with CBK prudential guidelines.
  • Strengthened compliance by verifying accuracy of products against regulatory standards.
  • Conducted AML checks on products and services.
  • Verified inward and outward cheques in the banking system to ensure accuracy.
  • Facilitated orientation and onboarding for new staff in the banking system to ensure proper training.

Accounts Opening Supervisor

Equity Bank (K) Ltd
07.2007 - 11.2013
  • Supervised account opening operations, ensuring accurate record-keeping and audit documentation preparation.
  • Verified and maintained complete KYC documentation, achieving 100% compliance with established procedures.
  • Reviewed account opening files periodically, implementing corrective measures to enhance compliance standards.
  • Prepared structured reports on account opening activities to support governance and operational oversight.

Bank Clerk

Equity Bank (K) Ltd
02.2006 - 06.2007
  • Coordinated daily banking operations to enhance customer service experience.
  • Facilitated documentation and compliance checks to ensure accuracy and adherence to regulations.
  • Resolved onboarding complaints and identified cross-selling opportunities to improve customer satisfaction.

Education

Master’s Degree - Strategic Management

Kenyatta University
Nairobi,Kenya
12-2021

Advanced Diploma -

Nairobi Institute of Business Studies
Nairobi,Kenya
12-2018

Bachelor’s Degree - International Business Administration

USIU
Nairobi,Kenya
12-2008

Diploma - Banking and Finance

Kenya School of Monetary Studies
Nairobi,Kenya
10-2004

Skills

  • Risk Assessment
  • Compliance Oversight
  • Internal Controls
  • Governance
  • Business Continuity Planning
  • Document Management
  • Records Management
  • Business Process Management
  • Process Optimization
  • Automation
  • Operational Support
  • Client Relationship Management
  • Stakeholder Engagement
  • Leadership
  • Team Development

Accomplishments

  • Designed and documented draft procedures, coordinating with business owners and second-line teams for evaluation and approval.
  • Prepared risk assessment documents for product and system changes, ensuring compliance with regulatory standards.
  • Developed and maintained risk registers, control libraries, and compliance documentation for secure storage and retrieval.
  • Implemented audit recommendations and regulatory requirements, strengthening governance and reducing risk exposure.
  • Streamlined operational processes through automation, improving accuracy and efficiency in document handling.
  • Provided leadership in customer service and branch operations, ensuring adherence to CBK prudential guidelines.

References

Available upon request.

Timeline

Assistant Manager, Business Risk and Compliance

Equity Bank (K) Ltd
07.2025 - Current

Senior Officer – Operations Internal Controls

Equity Bank (K) Ltd
06.2020 - 06.2025

Senior Relationship Officer – Cash Management

Equity Bank (K) Ltd
12.2013 - 05.2020

Accounts Opening Supervisor

Equity Bank (K) Ltd
07.2007 - 11.2013

Bank Clerk

Equity Bank (K) Ltd
02.2006 - 06.2007

Master’s Degree - Strategic Management

Kenyatta University

Advanced Diploma -

Nairobi Institute of Business Studies

Bachelor’s Degree - International Business Administration

USIU

Diploma - Banking and Finance

Kenya School of Monetary Studies

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Lucy MugambiBanking operations,risk and controls.