Summary
Overview
Work History
Education
Skills
Other Experiences
Personal Information
Hobbies and Interests
Languages
Languages
References
Timeline
Generic

RUTH ASARE

Accra-North

Summary

Knowledgeable Head of Operations with over 9years of experience bringing planning and problem-solving abilities. Focused on maximizing resource utilization to support scalable operations and increase bottom-line profitability. Organized and systematic with natural relationship-building and leadership talents.

Overview

16
16
years of professional experience

Work History

HEAD OF OPERATIONS

FIRST ATLANTIC BANK LTD
08.2021 - Current
  • Review position of Balance Sheets and suspense accounts on daily basis
  • Manage branch ATMs
  • Ensure first and second levels daily call over (Transactions Audit) of vouchers are performed and relevant certificates rendered
  • Monitor branch cash levels and ensure that cash limits are not exceeded
  • Coordinate all money transfers product transactions
  • Ensure full compliance with account opening, migration, reactivation, closure etc requirements
  • Review operational procedures, processes and make recommendation for improvement
  • Ensure daily/weekly/monthly proofs/reconciliation of the branch GLs
  • Closely supervise branch operations activities to prevent frauds and income leakages
  • Authorize transaction above limits of sub unit heads
  • Enforce the safety and the security arrangements of the vault and the bank branch
  • Ensure that customers’ mandates and instructions are duly captured and fully observed
  • Ensure successful completion of End Of Day (EOD} activities on daily basis
  • Ensure full utilization of alternate channels and sale of E-banking products
  • Review the activities of the various sub units (customer service desk, back office, tellers, security etc) to ensure correctness and accuracy
  • Define performance goals and targets for sub teams and monitor / evaluate achievement of such goals
  • Ensure a 360 degree professional behavior and conduct of self and subordinates
  • Train subordinates to improve on their skills and competences in other job roles within the unit for business continuity
  • Perform other duties as assigned by Head, Branch Services.

CASH OFFICER

FIRST ATLANTIC BANK LTD
04.2021 - 08.2021
  • Supervise the administration of the Teller cubicles, clean desk, security and maintenance of working tools
  • Prepare myself and the frontline staff in readiness for quality service delivery 30 minutes before opening to the public
  • Ensure that all income/fees are timeously applied to prevent income leakage
  • ATM custodian and daily reconciliation of the ATM Cash and the ATM GLs
  • Maintain records of daily cash positions, obtain an approval for excess positions and submit report to the appropriate departments
  • Ensure seamless processing, maintenance and records of inward and outward clearing cheques, ACH direct credit and direct debit
  • Responsible for the branch’s cash management, monitoring and distribution of cash to and from vault in adherence
  • Responsible for in-house teller grooming and training
  • Authorize cash deposits and withdrawals in line with approved guidelines
  • Ensure daily reconciliation of all cash related general ledger accounts
  • Educate and provide practical training to new employees
  • Reconciliation of the various general ledgers at the branch
  • Administrator of inward and outward clearing cheques
  • Initiate/process salaries, ACH, Transfers, Standing orders etc
  • Ensure effective and efficient queue Management at the banking hall
  • Strictly adhere to the bank’s operational guidelines and periodically recommend revision of controls, where appropriate, to address identified operational lapses
  • Ensure duties are appropriately segregated amongst staff
  • Ensure that transactions posted into GLs are investigated and regularized within 24 hours
  • Ensure due diligence at all times to prevent cash overages and shortages
  • Ensure the functionality of all the remittance channels and payout of transactions in line with AML, KYC, SOP, MTOs’ procedures and compliance guidelines
  • Supervise and authorize Visa and Master Card prepaid loading services
  • Supervise and authorize Mobile Money Cash-in and Cash-out transactions
  • Review, validate and authorize payment instruments or instructions presented for encashment over-the-counter
  • Ensure Teller till is Nil by COB
  • Ensure all Teller transactions are authorized and Till closed by COB.

Internal Control Department (Branch Controller)

FIRST ATLANTIC BANK LTD
11.2020 - 04.2021
  • Conduct routine reviews of branch operations and activities
  • Evaluate possible risks identified in processes and procedures which may lead to fraud, theft, embezzlement, defalcation and misappropriation of assets and make recommendations
  • Reviewed operational processes to identify possible risks and propose controls to mitigate those risks
  • Collect and analyze client recommendations, complaints and suggestions for management consideration
  • Ensured minimal internal/external audit findings on non-compliance
  • Prepare reports on findings and trends as a basis for recommending improvements in the efficiency of the process and reduction in risk exposure
  • Monitored compliance with limits specified by management for internal dealings and dealings with other parties on all products, services and expenses, etc
  • Confirm that accounting records are valid, complete and accurate and comply with industry and standard accounting practice
  • Review internal accounts proofs prepared by branches/departments to ensure that open items are properly resolved
  • Perform investigation on routine operational violations and infractions and any other investigations.

Relationship Manager (Personal and Business Banking)

FIRST ATLANTIC BANK LTD
09.2014 - 11.2020
  • Achieve over 80% PBT budget, and other performance target year on year
  • Preparation of weekly call plans, call report and proper documentation of the calls
  • Conduct competitor analysis, market analysis and research, customer needs analysis on an ongoing basis to ensure continued competitiveness, relevance and profitability of Business banking offerings
  • Contribute to the effective launching of new products to ensure favorable market response and optimum build-up of revenue
  • Introducing new customers to open Account with the bank (open at least 30 accounts a month)
  • Process international transfers and credit facilities of customers
  • Maintain and acquire customer relationships to improve deposit liability growth and mix
  • Relationship Management of all key Customers on portfolio
  • Network with all potential clients in all relevant categories of own locality
  • Ensure satisfactory rating in all customer surveys via Mystery Shopping, etc
  • Ensure that Customer complaints are logged within 24 hours and resolved per Complaint
  • Work in collaboration with all branch staff to define and improve Branch service delivery standards
  • Ensure satisfactory Audit ratings for Branch with no repeat findings
  • Ensure all KYC requirements are met
  • Report all Suspicious transactions on Accounts to the Head, Compliance Department
  • Perform all other duties as may be assigned by the Branch Manager.

National Service (Retail Banking Unit)

FIRST ATLANTIC BANK LTD
09.2013 - 09.2014
  • Assist the CSO in managing Cheque books and ATM cards
  • Process request for funds transfer and ensure submission to Global Markets same day
  • Assisting potential clients to open accounts with the bank
  • Handling general enquiries from the customers
  • Marketing products of the bank to customers
  • Introducing new customers to open Account with the bank (open 5 accounts a week)
  • Assisting in Cash collection to make bank deposits stress free for customers
  • Ensure deposits are made daily
  • Filling of documents for the branch to ensure all documents are properly filed by the end of each week to avoid a back log
  • Handling of the portfolio of one of the reputable security companies in Ghana
  • Prepare accounts opening
  • See to it that all KYC issues are intact
  • Ensure processing by the CSO
  • Handling of portfolio of a reputable Paper and Plastic manufacturing company in Ghana
  • Prepare accounts opening
  • See to it that all KYC issues are intact
  • Ensure processing by the CSO
  • Preparing and submitting weekly report on cards and cheque books delivered.

Assistant Sales and Marketing Officer

ALFREDOS MANUFACTURING AND TRADING LIMITED
06.2008 - 09.2010
  • Marketing of company’s products
  • Handling of sales procedures
  • Assisting the cashier during sales
  • Assisting the secretary of the company.

Intern- (Customer Service)

SG SSB BANK (ACCRA NEWTOWN BRANCH)
  • Assisting potential clients to open account with the bank
  • Cheque book and ATM cards managements
  • Handling general enquiries from the public
  • Introducing new customers to open Account with the bank
  • Determining customer’s needs and communicating it to the branch manager
  • Preparing of weekly dashboard to rate employees performance
  • Contributing to customer satisfaction by providing optimal customer care.

Attachment-(Marketing Department)

FAN-MILK GHANA LIMITED
  • Assisting the Sponsorship Manager in the discharge of his duties
  • Gathering of competitive information for the company.

Audit- Quality Management System

ABOKOBI RURAL BANK
  • Verification of the company's financial records
  • Ensure that all requirements have been documented within the management system
  • Confirm that employees receive applicable training in the quality system requirements
  • Measure, monitor and report the extent of compliance with these performance procedures.

Education

Masters of Business Administration (Total Quality Management) -

UNIVERSITY OF PROFESIONAL STUDIES
05.2016

BSc. Administration (Marketing) -

CENTRAL UNIVERSITY COLLEGE
01.2013

WASSCE (General Arts Option) -

OFORI PANIN SENIOR HIGH SCHOOL
06.2008

Skills

  • Administrative Management
  • Customer Service Management
  • Quality Assurance
  • Inventory Management
  • Performance Improvement
  • Employee Development
  • Operations Management
  • Business Management

Other Experiences

  • Personal Effectiveness and financial planning (Rich Dynamics Investors)
  • Building Customer Service Excellence (Nest of ideas Consulting Limited)
  • International Trade Training Programme (In house, FAB)
  • Credit Risk (Knowledge Capital)
  • Individual Development Plan (TDI Global)
  • Anti- Money Laundering Compliance Training (In house, FAB)
  • Corporate Image and Leadership (Allure Africa)
  • Banking and induction training by Knowledge Capital
  • Processing miscellaneous transfers such as UNO, RIA etc

Personal Information

  • Date of Birth: 04/17/90
  • Nationality: Ghanaian
  • Marital Status: Married

Hobbies and Interests

Soccer, Singing & Reading

Languages

Excellent, Basic, Excellent, Basic

Languages

English
First Language
French
Beginner
A1

References

References available upon request.

Timeline

HEAD OF OPERATIONS

FIRST ATLANTIC BANK LTD
08.2021 - Current

CASH OFFICER

FIRST ATLANTIC BANK LTD
04.2021 - 08.2021

Internal Control Department (Branch Controller)

FIRST ATLANTIC BANK LTD
11.2020 - 04.2021

Relationship Manager (Personal and Business Banking)

FIRST ATLANTIC BANK LTD
09.2014 - 11.2020

National Service (Retail Banking Unit)

FIRST ATLANTIC BANK LTD
09.2013 - 09.2014

Assistant Sales and Marketing Officer

ALFREDOS MANUFACTURING AND TRADING LIMITED
06.2008 - 09.2010

Intern- (Customer Service)

SG SSB BANK (ACCRA NEWTOWN BRANCH)

Attachment-(Marketing Department)

FAN-MILK GHANA LIMITED

Audit- Quality Management System

ABOKOBI RURAL BANK

Masters of Business Administration (Total Quality Management) -

UNIVERSITY OF PROFESIONAL STUDIES

BSc. Administration (Marketing) -

CENTRAL UNIVERSITY COLLEGE

WASSCE (General Arts Option) -

OFORI PANIN SENIOR HIGH SCHOOL

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