Summary
Overview
Work History
Education
OTHER
Professionalmemberships
Areas of Expertise and Achievement
Political Career
Voluntary activities
Additional experience
Publications
REFERENCES
Timeline
Generic

Bernardette Hoffman

Accra

Summary

Highly skilled, goal-oriented, and performance-driven Financial Crime Prevention practitioner with over 22 years of experience in the banking and procurement & supply chain industries within various international settings.

Overview

16
16
years of professional experience

Work History

President

BernHoffman Foundation
05.2022 - Current
  • Develop and implement programs empowering vulnerable women, children, and students through skills building and education.
  • Lead the foundation's strategic direction and oversee poverty alleviation and social well-being initiatives.
  • Manage program budgets, ensuring financial transparency and sustainability.
  • Developed and executed fundraising strategies, including grant writing, corporate sponsorships, and individual donations.
  • Oversee the management and reporting of funds to ensure transparency and accountability in all financial transactions.

Founder/Director, Business Development

Berhill Services Ltd
07.2016 - Current
  • Sourced negotiated competitive prices and credit/ payment terms
  • Strategically procured, shipped, and delivered products across countries, mainly hotels, restaurants, schools and hospitals
  • Upstream Supply chain distribution outlet for FMCGs
  • Facilities Management Services for Corporate Ghana, hospitality industry and domestics

AML/CFT Compliance Collaborations

Quest Consult Services Ltd
01.2019 - Current
  • Prepared training content and delivered AML Training at different levels for Banks and non-bank financial institutions
  • Assist in the drafting and executing of impactful AML programs through effective coordination with compliance officers and key stakeholders in FIs, as well as highlighting emerging trends
  • Key Contributions:
  • Advise senior bank staff regarding onboarding risk categorization and analyzing unusual activities, CTRs and STRs
  • Served as subject matter expert in AML and financial crime compliance issues
  • Constructed long-term relationships with regulators and LEAs and assisted in resolving compliance issues in line with guidelines

Group Head Retail Banking

Guaranty Trust Bank
09.2013 - 07.2016
  • Planned and executed annual sales strategy to optimize business performance
  • Directed overall facets of portfolio management for High-Net-worth individuals
  • Built long-lasting relations with private bank clients, ensuring optimum customer satisfaction
  • Accountable for delivering accurate direction for the career development of direct reports
  • Supervised and reported monthly performance to senior management
  • Identified, developed and implemented strategies to develop business in alignment with the bank’s objective
  • Developed, monitored and put measures in place to ensure various team targets are met
  • Reviewed and approved credits within authority limits
  • Assisted/guided various Team Leaders to build and manage relationships
  • Sat on the Bank’s key Management Committees-Credit, Assets and Liabilities (ALCO), Criticized Assets (CAC)
  • Initiated, developed and obtained Board and Regulatory approval for new products
  • Training, coaching and mentoring of the Retail Group of the Bank
  • Prepared and implemented annual sales strategy
  • Managed a variety of portfolios for High high-net-worth individuals
  • Successfully built and managed Private Bank Client relationships
  • Networked across a wide range of social and other relevant corridors to leverage for building relationships
  • Coordinated wealth and asset management for clients
  • Reported monthly/quarterly performances to management

Head, Quality and Compliance

Guaranty Trust Bank
01.2010 - 04.2013
  • Responsible for setting up the Quality and Compliance department of the Bank
  • Developed the Bank’s AML policies and framework in line with the enabling ACTs and regulatory requirements
  • Prepared and presented quarterly reports to the board of directors of the bank on AML/CFT and regulatory compliance matters
  • Collaborated with regulatory bodies to resolve issues
  • Streamlined records with documents in line with know-your-customer (KYC) principles
  • Acted as AMLRO for the Bank as subject matter expert
  • Organised/Delivered Compliance awareness and Anti-Money Money Laundering Training bank-wide
  • Liaised with correspondent banks on various matters
  • Liaised and worked with law enforcement agencies in the investigation of fraud and ML
  • Liaison between regulatory bodies and the bank
  • Liaised with business units on high-risk onboarding relationships
  • Handled AML compliance, analyzed and prepared Suspicious Activity Reports (SARs)
  • Audited existing account files to ensure KYC, CDD, and EDD compliance/adherence
  • Engendering a culture of proper record-keeping habits by Operations/Transaction Services staff bank-wide and the maintenance of adequate and complete documentation in line with Know-Your-customer principles
  • Supervised and appraised the performance of direct reports
  • Led the team working on ISO 9001:2008 accreditation for the Bank
  • Managed the Bank’s overall Service Quality and Complaint Resolution procedures
  • Conducted quality appreciation training for staff
  • Provided management and operators with prompt feedback on quality control performance appraisal
  • Ensured that adequate techniques are designed to effectively measure compliance against standards
  • Conducted Market & Customer surveys for feedback on the quality of the bank’s services and products
  • Reviewed and updated Quality Handbook and ensured effective implementation
  • A member of key management committees involved in making key Strategic Decisions for the Bank

Head, Administration and General Services

Guaranty Trust Bank
12.2008 - 12.2009
  • Procurement-including supplier management and appraisal to ensure consistency and conformity to the bank’s standards
  • Stores Administration Management
  • Security and Transport Management
  • Interpreted contract provisions and reviewed for accuracy and changes
  • Evaluated revisions, price and past performance of each contract to aid decision-making
  • Preparing and managing the budget for the Unit by way of monitoring and reviewing the budget and expenditure for the period
  • Negotiated with Suppliers and purchasing various items on behalf of the Bank
  • Coordinated Facilities management (Building, machinery and equipment maintenance)
  • Implemented policies and proposed new ones where appropriate
  • Supervised and appraised the performance of team members in my unit
  • Recommended/implemented Cost management strategies through optimization of people and processes

Education

Professional Postgraduate Diploma -

Financial Crime Compliance International Compliance Association (ICA)-UK
01.2022

Doctor of Business Administration -

SBS Swiss Business School
11.2021

Master of Applied Research -

SBS Swiss Business School
01.2021

Master of Business Administration -

University of Glamorgan
Cardiff, United Kingdom
01.2007

Bachelor of Arts - Procurement and Supply Chain Management

Northumbria University
Newcastle, UK
01.2005

OTHER

Ethics/Entrepreneurship/Anti-Money Laundering/Financial Crime Compliance/Regulatory Compliance/Procurement & Logistics/Business Administration/Organizational Behaviour

Professionalmemberships

  • International Compliance Association (ICA) UK, Fellow, 01/01/19 - Present
  • Association of Certified Anti-Money Laundering Specialists (ACAMS), Member, 01/01/13 - Present
  • Chartered Institute of Purchasing & Supply (CIPS) UK, Chartered Member, 01/01/05 - Present
  • Chartered Institute of Transport and Logistics (CILT) UK, Associate Member, 01/01/04 - Present

Areas of Expertise and Achievement

· Development of Compliance  Policies and framework

· Liaison between bank and regulators and LEAs

· Provide guidance to the board  and management on AML/Compliance related issues

· Investigations and Enhanced  Due Diligence

· Anti-Money Laundering  Programmes

· Ethics & Governance

· Retail & Private Banking (Business Development)

· Service Quality Customer Care

· Risk Categorization and  Risk Assessment

· Supply-Chain Management

· Auditing & Documentation

· Planning & Implementing AML and FCC seminars and workshops

Political Career

  • Transition Sub-Committee (Social)-Member
  • Manifesto Launch Committee Member
  • Infrastructure Committee-Member
  • Education Committee -Member
  • Interim Secretary-Southampton Branch, UK&I Chapter

Voluntary activities

  • Authored and published over 80 articles in a wide range of newspapers.
  • Appeared on about 20 major TV and radio discussions on various issues.
  • Support-Canadian Diabetes Association-Vancouver.
  • Mentored Released Juveniles to integrate back into society- Haringey Council-London.
  • Fund Raising-Christ Outreach Orphanage-Accra.
  • Founder/President-BernHoffman Foundation

Additional experience

Finance and Admin Manager  Marks and Spencer Oxford Circus, London

Personal Banking Consultant  Co-operative Bank, London

Customer Retention Team Leader/ Financial Sales Advisor  Halifax Bank of Scotland-Cardiff, HBOS, UK

Export Projects Assistant  Wagtech International Ltd –Leicester, UK

Publications

Determinants of Compliance to Anti-Money Laundering Regulations in the Ghanaian Banking Industry, Under review, Journal of Money Laundering Control

REFERENCES

Prof. Atuahene-Gima

Nobel International Business School

kwaku@nibs.edu.gh


Mr. Paul Davies

University of South Wales

paul.davies@glam.ac.uk


Mr. Dolapo Ogundimu

Access Bank Ghana

Dolapo.ogundimu@accessbankplc.com

Timeline

President

BernHoffman Foundation
05.2022 - Current

AML/CFT Compliance Collaborations

Quest Consult Services Ltd
01.2019 - Current

Founder/Director, Business Development

Berhill Services Ltd
07.2016 - Current

Group Head Retail Banking

Guaranty Trust Bank
09.2013 - 07.2016

Head, Quality and Compliance

Guaranty Trust Bank
01.2010 - 04.2013

Head, Administration and General Services

Guaranty Trust Bank
12.2008 - 12.2009

Master of Business Administration -

University of Glamorgan

Bachelor of Arts - Procurement and Supply Chain Management

Northumbria University

Professional Postgraduate Diploma -

Financial Crime Compliance International Compliance Association (ICA)-UK

Doctor of Business Administration -

SBS Swiss Business School

Master of Applied Research -

SBS Swiss Business School

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Bernardette Hoffman