Miriam Wacuka Njau
Nairobi
Summary
Detail-oriented banking professional with four years of experience in customer onboarding, account opening, and compliance operations. Proven track record of ensuring 100% adherence to CBK prudential guidelines, AML/KYC standards, and internal control processes. Expertise in verifying client identity, maintaining audit-ready documentation, and supporting operational risk mitigation. Recognized for strong communication skills and teamwork abilities, complemented by a keen eye for detail and a passion for service excellence.
Overview
4
4
years of professional experience
Work History
Direct Sales Executive
I&M Bank
Mwea
05.2025 - Current
- Seamlessly onboard workplace and walk-in clients, ensuring smooth account opening and exceptional customer experience.
- Manage client portfolios end-to-end, maintaining active and fully compliant accounts.
- Drive uptake of credit cards, bancassurance, and deposit products to deepen client relationships and support business growth.
- Champion regulatory compliance through accurate documentation checks and adherence to internal and external guidelines.
- Surpassed key sales targets: achieved 200% of CASA and 200% NTB acquisition, and attained 117% loan disbursement performance.
Relationship Officer - Onboarding
Equity Bank Limited
Mwea
01.2024 - 01.2025
- Client Onboarding. I guide new clients through the onboarding process by explaining products and services, ensuring smooth registration, and successfully onboarding 500+ clients within a year, reducing average onboarding time through streamlined documentation.
- Data Collection and Verification. I gather necessary client documents and verify authenticity to meet compliance standards achieving a 98% accuracy rate in data verification, and reducing fraudulent applications through enhanced KYC (Know Your Customer) checks.
- System Integration. I accurately input client details into internal systems/CRMs for efficient service access and recorded a 40% reduction in errors by implementing a standardized data entry.
- Training and Support. I educate clients on using products/services and provide support for initial challenges and I have conducted 100+ training sessions, increasing client adoption rates by 35%.
- Compliance and Regulatory Checks. I ensure all onboarding activities align with legal and regulatory standards having maintained 100% regulatory compliance, passing all audits without penalties, and reducing onboarding-related compliance risks.
Relationship Officer - Cash
Equity Bank Limited
Mwea
02.2022 - 01.2024
- Client Relationship Management. Served as the primary point of contact for clients, building and maintaining strong relationships, and managed a portfolio of clients, ensuring about 95% client retention over the past year.
- Cash Management Solutions. Developed and presented cash management strategies to optimize liquidity and reduce financial risks by implementing liquidity management solutions that reduced idle cash by 20%, improving efficiency.
- Transaction Management. Oversaw and ensured smooth processing of cash transactions, including payments, collections, and transfers, and ensured on-time transaction processing for transactions monthly.
- Risk Management & Compliance. Ensured compliance with financial regulations, mitigated risks, and protected financial data by leading the implementation of AML and KYC processes, ensuring regulatory compliance.
- Financial Analysis & Reporting. Analyze cash flow patterns and provide strategic recommendations to clients by conducting cash flow analysis for 100+ clients, improving liquidity planning.
- Market Research & Business Development. Identified new opportunities, analyzed industry trends, and drove business growth which expanded client base by 20% through targeted cash management solutions.
Clearing Officer - Reliever
Equity Bank Limited
Mwea
- Transaction Verification & Settlement - Ensures all trades, deposits, and withdrawals are legitimate, accurate, and successfully exchanged between parties.
- Risk Management & Compliance - Monitors for errors, fraud, and discrepancies while ensuring adherence to financial regulations.
- Reconciliation & Reporting - Matches records across platforms, resolves discrepancies, and generates reports on transactions and compliance.
- Custody & Asset Management - Manages the safekeeping of securities or assets until settlement is complete.
- Client Support & Communication - Addresses client inquiries, provides transaction updates, and ensures smooth processing.
Education
Bachelor of Commerce - Finance
Kirinyaga University
12-2021
Web Design and Computer Packages -
Kabete National Polytechnic
04-2017
Kenya Certificate of Secondary Education -
Uthiru Girls' High School
12-2016
Certified Public Accountant -
KASNEB
Skills
- Account Onboarding & Management
- Regulatory Knowledge (CBK Guidelines &IFRS)
- Operational Controls & Internal Audit Readiness
- Client Data Accuracy & Documentation
- Cross-Functional Collaboration
- Know Your Customer (KYC) & Customer Due Diligence (CDD)
- AML Compliance & Risk Mitigation
- Compliance System Tools & Core Banking
- Financial Statements Analysis
- Business Development
- Strong organizational skills
- High Integrity & Confidentiality
- Sales & Marketing
- Microsoft Office Suite
Training
- Elevating Customer Experience, Moody Analytics, 2024
- Foundations of Banking and Credit, Moody Analytics, 2024
- Aspire leadership experience - Aspire leadership Program, Harvard, 2023
References
References available upon request.
Education
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Timeline
Direct Sales Executive
I&M Bank
05.2025 - Current
Relationship Officer - Onboarding
Equity Bank Limited
01.2024 - 01.2025
Relationship Officer - Cash
Equity Bank Limited
02.2022 - 01.2024
Clearing Officer - Reliever
Equity Bank Limited
Bachelor of Commerce - Finance
Kirinyaga University
Web Design and Computer Packages -
Kabete National Polytechnic
Kenya Certificate of Secondary Education -
Uthiru Girls' High School
Certified Public Accountant -
KASNEB