PAA KOJO WINFUL
Takoradi
Summary
An experienced banker that offers financial consulting, and employee coaching and training expertise coupled with outstanding time management and conflict resolution skills. Seasoned leader with twenty years of experience overseeing day-to-day operations of branch banking. Committed to finding creative ways to motivate employees to exceed client service and sales goals.
Overview
20
20
years of professional experience
Work History
Branch Manager
Standard Chartered Bank PLC
11.2013 - 12.2022
- Takoradi, Abeka, Achimota, Esiama
- Acquiring new businesses through comprehensive sales activities planning and execution
- Driving the bank’s digitization agenda through the migration of manual transaction processing onto digital platforms
- Executing the business strategy by carrying out branch action plans for meeting revenue and cost targets
- Act as liaison between business operational risk team and SCB branches across Ghana during group audit preparations
- Ensure compliance with group policy and standards, local laws and regulations
- Implement procedures to run the administration of the branch in an efficient and cost-effective manner
- Ensuring staff are highly engaged to deliver business strategy
- Complying with health and safety legislation, group policies, and mandatory codes of practices and standards.
Manager, Branch Operations
Standard Chartered Bank Head Office
Accra
12.2012 - 10.2013
- Ensuring the vendor on-boarding, management, payment and relevant engagements are adhered to in accordance with group procedure
- Preparation and submission of accurate and relevant regulatory and reports periodically
- Building a culture of audit readiness among the branches and engaging teams through trainings to ensure all regulatory and Group Internal Audits are passed at any given time
- Ensure continuous engagement with the relevant stakeholders in improving policies, processes, procedures and systems
- Review and manage performance of systems enhancements, implementation and roll out, following through the actions with the relevant stakeholders
- Support implementation of branch opening and closure
- Reconciling and monitoring various centralised Branch operations Department and Branch suspense and sundry accounts
Branch Operations Manager
Takoradi Takoradi
07.2009 - 12.2012
- Ensured compliance with group policy and standards, local laws and regulations
- Analyzed and ensure timely and accurate reporting of management statistics
- Reviewed output of the customer service executive to ensure adherence to branch service standards
- Managed work flow changes where appropriate for greater efficiency
- Ensured periodic maintenance of vault and emergency doors
- Custodian of the keys register responsible for the proper control of keys, combination settings and passwords that protect cash and valuable documents
- Independently reviewed daily excess reports and AML reports in the absence of the branch manager
- Resolved exception investigations and liaise with other functions to close issues
- Responsible for accurate documentation before onboarding on clients
- Business Continuity Coordinator branch
- Supervise operational staff, coach and equipped them with operational procedures
Branch Operations Officer
Standard Chartered Bank PLC Takoradi
04.2004 - 06.2009
- Monitored and prepared, reconciled and ensured early submissions of suspense accounts
- Responsible for the coordination of cash movements in branch and the central bank
- Manage and monitor vault limits to avoid overnight excesses
- Supported the Branch Operations manager to comply with local laws and regulations group policies, controls and procedures at the branch
- Supervised tellers and ensured accuracy of daily transactions by performing tick back
- Liaising with other functions to ensure the early resolution of exceptional issues
- ATM and vault custodianship
- Liaised with the central bank for reconciliation of client’s defaulted treasury bills
- Supported manager in the promotion of health and safety in the work place.
- Supported branch sales team in servicing and obtaining new business.
- Supported management and inspired team members to perform to full potential, driving branch profitability.
Branch Assistant
Standard Chartered Bank PLC Takoradi
09.2002 - 03.2004
- Represented the bank at the Central Bank for cheque clearing sessions
- Oversaw the systems administration at the branch
- Handling customer complaints and seeing to its quick resolution
- Processing of clients’ salaries
- Processing of clearing cheques for settlements at the Central Bank
- Responsible for the daily reconciliation of all suspense and sundry account
- Conducting investigations initiated by customer complaints
- Helping the Operations Manager in conducting internal audits.
Education
BSc - Business Administration (Accounting)
Ghana Technology University
07.2015
Higher National Diploma - Accounting
Cape Coast Polytechnic
09.1999
Diploma In Business Studies - Business Studies
Cape Coast Polytechnic
06.1996
Skills
- Microsoft Applications (Excel, Outlook, Word, Teams and PowerPoint Skype for Business)
- Bluejeans Application
- Electronic Branch System (eBBS)
- Success Factors HR
- Customer Experience Management System
- Interpersonal relationship and team bonding skills
- Branch Operations Management
- Coaching and Mentoring
- Customer Service
- Service-Oriented
- Problem Anticipation and Resolution
- Willing to Learn
- Sales Support
References
Reference
Available on request
Languages
English
First Language
English
Proficient
C2
Accomplishments
Passed all group and internal audits with acceptable ratings in all branches managed.
Successfully rolled out the implementation of a newly developed core banking system for the upcountry region in Ghana that enhanced TAT in the processing of client service requests.
Provided detailed trend analysis that helped cut down cost related to Saturday banking branches in the retail banking space between 2019 and 2021.
Achieving an average of 90% results against 85% target in CSSS (Client Satisfaction Survey) for service delivery.
The second highest credit card sales in the country for the year 2022
Winner of life insurance pinnacle competition for the year 2021 for the sale of multiple life insurance products.
The only branch manager with experience in both branch set up and optimization closure.
Exceeded 2022 yearly New to Bank targets by 40% as at October, 2022
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
One of the deep secrets of life is that all that is really worth doing is what we do for others.
Lewis Carroll
Timeline
Branch Manager
Standard Chartered Bank PLC
11.2013 - 12.2022
Manager, Branch Operations
Standard Chartered Bank Head Office
12.2012 - 10.2013
Branch Operations Manager
Takoradi Takoradi
07.2009 - 12.2012
Branch Operations Officer
Standard Chartered Bank PLC Takoradi
04.2004 - 06.2009
Branch Assistant
Standard Chartered Bank PLC Takoradi
09.2002 - 03.2004
BSc - Business Administration (Accounting)
Ghana Technology University
Higher National Diploma - Accounting
Cape Coast Polytechnic
Diploma In Business Studies - Business Studies
Cape Coast Polytechnic
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