Seyram Pearl Kumah (PhD, CA)
Accra,
Summary
Professional with history of driving team success and achieving organizational goals. Proven ability to streamline processes and implement strategic initiatives that enhance productivity. Known for collaborative leadership, adaptability, and focus on results. Key strengths include strategic planning and effective team management. Experienced with managing complex projects and leading diverse teams to achieve organizational goals.
Overview
18
18
years of professional experience
Work History
Assistant Director, Virtual Asset Regulation
Bank of Ghana
Accra, Ghana
05.2025 - Current
- Drafted and led the passage of Ghana's Virtual Asset Service Providers Act, 2025 (Act 1154).
- Leading cross-functional teams to draft directives and guidelines to operationalise the VASP Act.
- Initiated and led the launch of National Virtual Asset literacy Initiative (NaVALI) in Ghana.
- Leading the Ghana Gold Coin Tokenisation Project.
- Implementing strategic virtual assets initiatives to enhance operational efficiency.
- Developing and executing policies to ensure compliance with financial regulations and industry standards.
- Overseing budgeting processes, aligning departmental goals with organizational objectives to drive fiscal responsibility.
- Managing risk assessment protocols, identifying potential issues and implementing mitigation strategies effectively.
Chief Policy and Development Officer
Cayman Islands Monetary Authority
Cayman Islands
10.2023 - 03.2025
- Analyzed policy implications to enhance financial regulation frameworks.
- Developed comprehensive reports on economic trends influencing regulatory practices.
- Collaborated with stakeholders to assess compliance with international standards.
- Led initiatives to streamline data collection processes for policy evaluation.
- Conducted risk assessments to inform strategic decision-making in monetary policy.
- Mentored junior analysts in research methodologies and analytical techniques.
- Facilitated workshops to communicate regulatory updates and best practices to industry participants.
- Developed data-driven policy recommendations for better decision-making and resource allocation.
Senior Lecturer
Akenten Appiah-Menka University of Skills Training and Entrepreneurial Development (AAMUSTED)
Ghana
06.2012 - 05.2023
- Developed innovative curriculum enhancing student engagement and learning outcomes.
- Led faculty training workshops to improve instructional methodologies and teaching effectiveness.
- Mentored junior lecturers, fostering professional development and academic growth within the department.
- Conducted research initiatives contributing to advancements in skills training and entrepreneurial development.
- Collaborated with industry partners to align academic programs with market demands and workforce needs.
- Implemented assessment strategies ensuring consistent evaluation of student performance and program effectiveness.
- Organized community outreach programs promoting entrepreneurship among students and local businesses.
Accounting Assistant
National Health Insurance Authority
Ghana
10.2007 - 05.2012
- Processed invoices and payments, ensuring accuracy and compliance with regulations.
- Assisted in preparing financial reports, enhancing clarity and accessibility of data.
- Maintained meticulous records of transactions, improving retrieval efficiency for audits.
- Collaborated with team members to streamline accounting processes, reducing errors significantly.
- Trained junior staff on accounting software, fostering skill development and knowledge sharing.
Education
Ph.D. - Accounting and Finance
University of The Witwatersrand
Johannesburg, South Africa07-2021
Chartered Accountant - Accounting
Institute of Chartered Accountants Ghana
Ghana03-2018
Master of Philosophy - Finance
University of Ghana, Legon
Ghana07-2011
Bachelor of Science - Management
University of Cape Coast
Ghana05-2007
Skills
- Staff management
- Creative direction
- Strategic planning
- Data analysis
- Project management
- Program coordination
- Practical knowledge of R, MATLAB, STATA, EVIEWS, SPSS, Python, Sage, Tally, Excel
- Financial modelling
- Research
Timeline
Assistant Director, Virtual Asset Regulation
Bank of Ghana
05.2025 - Current
Chief Policy and Development Officer
Cayman Islands Monetary Authority
10.2023 - 03.2025
Senior Lecturer
Akenten Appiah-Menka University of Skills Training and Entrepreneurial Development (AAMUSTED)
06.2012 - 05.2023
Accounting Assistant
National Health Insurance Authority
10.2007 - 05.2012
Ph.D. - Accounting and Finance
University of The Witwatersrand
Chartered Accountant - Accounting
Institute of Chartered Accountants Ghana
Master of Philosophy - Finance
University of Ghana, Legon
Bachelor of Science - Management
University of Cape Coast
Ongoing Research Works
- Financial interconnectedness and Stability (tail risk co-movement and systemic spillovers)
- Cryptocurrencies and Central Bank Digital Currencies
- Financial Inclusion and Economic Development
- Development and Entrepreneurial Finance
- Financial Markets Development and Integration
Peer Reviewed Publications
- Baafi, J. A., Asiedu, M. K., & Kumah, S. P. (2025). Bridging the digital Divide: The role of educational interventions in enhancing economic growth in Ghana., Social Sciences & Humanities Open, 12, 101911
- Baafi, J. A., Asiedu, M. K., & Kumah, S. P. (2025). Forestry and economic growth in Ghana: evaluating the dynamics using the environmental Kuznets curve and adjusted net savings., Forestry Economics Review, 7, 1, 35–53, https://doi.org/10.1108/FER-11-2024-0012
- Kumah, S. P., & Baafi, J. A. (2024) Spillover effects among cryptocurrencies in a pandemic: a time frequency approach., Journal of Electronic Business & Digital Economics, https://doi.org/10.1108/JEBDE-08-2024-0027
- Baafi, J. A., Asiedu, M. K., & Kumah, S. P. (2024). Digitalization and Automation and AI: A Theoretical Framework of rethinking the Pollution Haven Hypothesis., Journal of Ecohumanism, 3, 6, 1781-1798
- Appiah-Kubi, E., Boateng, R. N., Dogbe, C. S. K., & Kumah, S. P., 2024, Organisational sustainability and SMEs performance: The role of control environment., Journal of Cleaner Production, 142026
- Baafi, J. A., Sarkodie, E. E., Duodu, J. K., & Kumah, S. P., 2024, Why Should We Pay Attention to Working Capital Management? A Case of Ghana., Businesses, 4, 1, 78-95
- Kumah, S. P., 2024, Cryptocurrency and African fiat currencies: A peaceful coexistence?., Economic Notes, 53, 1, e12229
- Kumah, S. P., 2023, Cryptocurrency market risk analysis: evidence from FZL function., Qeios
- Kumah, S. P., Odei-Mensah, J., & Baaba Amanamah, R., 2022, Co-movement of cryptocurrencies and African stock returns: A multiresolution analysis., Cogent Business & Management, 9, 1, 2124595
International Conference Presentations
- 2023, Cryptocurrency Market Risk Analysis: Evidence from FZL Function., The Society for Risk Analysis (SRA) Annual Meeting, Washington DC, USA
- 2023, Cryptocurrency and African Fiat Currencies: A Peaceful Coexistence?, Second Annual International Conference on Banking, Finance and Money (ACBFM II), Oman College of Management and Technology, Oman, Middle East
- 2023, Cryptocurrency Market Risk Analysis: Evidence from FZL Function., 19th World Summit on Blockchain Technology, Amsterdam, Netherlands
- 2022, Co-movement of Cryptocurrencies and African Stock Returns: A Multiresolution Analysis., The 12th Biennial SDA Business Teachers Conference, Andrews University, Michigan, USA
- 2021, Do Cryptocurrencies and Crude Oil influence each other? Evidence from wavelet-based quantile-in-quantile approach., Cryptocurrency Research Conference, University of Southampton, UK
- 2020, Signatures of Cryptocurrency Markets Integrating with African Stock Markets., World Finance Conference, University of Malta, Malta
- 2019, Asymmetric Linkages between Spot Gold Price and African Stocks Returns., African Review of Economics and Finance Conference, Wits Business School, Johannesburg, South Africa
- 2018, Corporate Governance and Financial Performance of Ghanaian Rural Banks., African Review of Economics and Finance Conference, Wits Business School, Johannesburg, South Africa
References
- Faisal, Iddris, Professor, ifaisal@aamusted.edu.gh, +233 551 802947, Akenten Appiah-Menka University of Skills Training and Entrepreneurial Development (AAMUSTED), Dean, Faculty of Business Education, Kumasi, Ghana
- Lazarus, Kwao, PhD, lazarus.kwao@stu.edu.gh, +233 208842744, Sunyani Technical University, Lecturer, Sunyani, Ghana
- Samuel, Appiah Kubi, PhD, appiahkubi@gbuc.edu.gh, +233 244634960, Ghana Baptist University College, Lecturer, Kumasi, Ghana