TSINUGLO, Kofi Doe
P.O. Box WJ 211 Weija Accra
Telephone: 0244893944 /0266007170/0243348549/ 0233893944
Email: [email protected] or [email protected]

Personal Summary
• Passionate about optimizing processes to drive overall improvements. A highly motivated person with a good eye for detail, and able to work independently and in a team. Also a resourceful individual with excellent communication and interpersonal skills. Also maximizes scare but available resources for optimum good of all.

Career Objectives
• To work in a challenging organization or environment where opportunities, initiatives and challenges would help bring to bear my knowledge, skills, competencies and experience in accordance with its policies in the furtherance and achievement of business and corporate objectives.
• To increase the shareholder value and maximize profit by improving the operational efficiencies and maximum utilization for the available resources.

Key Competencies
• Excellent communicator- both in terms of dealing with customers and working within a team.
• Excellent team player, great at collaborating with others.
• Ability to organize and prioritize a busy diary with effective time management.
• Highly numerate, experience in dealing with financial figures.
• Dynamic personality, able to easily divert from one task to another, constantly prioritizing work on the go.
• Very conversant with statutory payments.
• Excellent reconciliations, report writing and presentation Skills
• Knowledge of Balance Sheets, Profit Measurement, Cash Flow statements.
• Carrying out investment appraisals.
• Cash deposits/withdrawals trend analysis and to help respond to dynamic market/operational conditions
• Ensuring compliance and statutory reporting.
• Able to provide a high standard of financial control.
• Proven ability to manage and develop a financial team.
• Strong IT/Computing skills: very confident user of all office applications (Microsoft Word, Power Point, Excel).

Work History
The Seed Funds Savings & Loans Ltd. Nov 2014 to Nov 2018
Branch Manager/Retail marketing Dept. Nungua April 2018 to Nov 2018
• Managing client relationships and needs with the bank
• Risk assets and deposit generation (booking loans and fixed deposits)
• Drive new customers to the bank in terms of retail and patronage of other traditional services
• Ensure the reactivation of dormant or non-active accounts
• Manage the loan/deposit portfolio of the branch and supervise all other staff and activities at the branch.
• Ensure the retention of existing customers by exceeding their near expectations
• Market and sell the banks products to potential/existing customers
• Ensure brand projection and visibility amongst new and existing customers at all times.
Head, Reconciliations. Financial Control Department Dec 2016 – April 2018
• Preparation of weekly and monthly bank reconciliation
• Properly monitor and report all bank accounts and transactions.
• Booking of all charges, interests and transfers on all our bank accounts unto the General Ledgers.
• Ensure no transaction beyond 7days is pending on the bank reconciliation without justifiable reasons or authorization.
• Maintain records of all banks accounts of TSF and the respective signatories.
• Preparation of bank reconciliation proof for the company to internal and external audit.
• Review and report any unusual transactions on the bank statement to management for decision making.
• Preparation of BoG prudential returns on weekly basis.
• Preparation of all month end General Ledger proofs in the department.
• Prepare and make all statutory payments at the end of every month.
• Prepare daily average cash deposits/withdrawal report of all customers’ transactions for decision making.
• Prepare Bank of Ghana weekly branches deposit report for submission to BoG weekly
• Any other assigned tasks by the head of department.
Relieving Branch manager – Nungua Branch October 2016
• Business marketing ( loans and investments)
Acting Branch Manager – Tema Branch Sep – Nov 2015 and August 2016
• Business marketing ( loans and investments)
Branch Operations Manager (Newtown, Tema(H/O) and Nungua) Nov 2014-Dec 2016
• Supervise the Branch Operations and staff in the performance of their assigned roles.
• Supervise all teller operations to ensure Tellers work to the highest service standards.
• Responsible for efficient management of the branch cash and keeping both vault and teller cubicle cash within approved tolerance limits.
• Responsible for ensuring proper control of processes (e.g. Account Opening / Closing, KYC, Anti-Money Laundering activity, etc.) in respect of customers’ accounts in compliance with Bank of Ghana regulations and requirements.
• Review all proofs and reconciliation reports and supervise liquidation of outstanding items.
• Authorize entries and bank instruments e.g. Bankers Drafts as per approved limits and access rights.
• Prepare monthly returns on General Ledger Accounts. Prepare periodic reports on Branch Operations for the attention of Head of banking operations ensuring that all variances in relation to set targets are properly explained.
• Responsible for the proper maintenance of the books of the branch with weekly proofing of General Ledgers and monthly submission of reconciliation to Head of Banking operations.
• Responsible for the proper maintenance of the assets of the branch. Responsible for the accuracy and completeness of all accounts and reconciliation of all accounts.
• Perform general administrative duties in respect of the Branch including preparation of memos, customer letters, documentations, etc.
• Conduct checks and report on significant operational risks including effective mitigation / control actions in line with Operational Risk guidelines.
• Monitor all approved credit facilities and report on overdue / delinquent accounts. Monitor to ensure that all customer requests, complaints are investigated and resolved. Contribute towards the overall profitability of the branch.
• Ensuring that service delivery standards are maintained at the branch.
• Deputize for the Branch Manager as and when required.

Major Achievements
• Successful supervision of two branches so far with nil audit issues. Participated in various meetings in the quest to build and maintain a strong selling brand.
• Owns operational efficiency and quality including an operations balanced scorecard incorporating cash, people and process and customer dimensions of the business. Integrates decision making across all of these spectrums.
• Solved many live issues regarding banking services and demonstrates excellent leadership skills as a manager.
• Excellent office etiquette, exposure and maintained beautiful ambience in and around the at all times.
• Achieved 63% of the deposit target for the period under consideration. Appraised others colleagues and subordinates.

Energy bank Ghana limited-TEMA and TAKORADI, April 2013 to Nov 2014
Domestic operations (Funds Transfer / teller)
• Processing of all daily counter transactions for deposit/withdrawals to savings, current and fixed deposit accounts (involving cash, cheques, inter-account transfers), cheque books, remittances (both local and foreign) and handling associated customer interactions/enquiries/complaints to a specified standard of quality.
• Cross-selling of simple products (e.g. Fixed Deposits, e-TRANSACT cards, eStatements, during non-peak transaction times, and where relevant, identify prospects for cross-selling of other products (from observation of customer transactions) to highlight to sales staff.
• General reconciliations and control activities (which can be individually assigned) which may typically include: ATM cash loading, statistics, reconciliations (where required) Processing of outward clearing cheques. Posting of ACHs, AAT, Drafts, Cashier Orders, Foreign cheque and cash deposits. Reconciliation of operating accounts for daily control as well as surprise audit proofing and cash Collections.
• Conducting investigations initiated by customer inquiry by Complying fully with AML policies and reporting of suspicious activities.
Major Achievements
• Increased company presence in the region by storming the markets on selected days to prospect for account and sell the branch and its services to prospective and existing clients.
• Achieved deposit targets by cross selling the banks traditional products to walk in customers and third parties and existing clients as to the new products they can tap into.
• Mobilized deposits from clients through vigorous cash picks from clients at vantage points as agreed with clients holding accounts with the bank whiles complying fully with risk factors.
• Improved customer service and selling skills for decision making by clients who well understand the service being sold and its mutual benefits.
• Contributes to projects impacting on business deliverables and makes operational decisions within business context.

Guaranty Trust Bank Ghana Limited April 2008 to March 2013
Transaction services (Domestic Operations FT/teller)
• Paying Current, savings account holders and third party cheques
• Receiving deposits and processing other bank’s instruments
• Accurate posting to customer accounts
• Remittances – Money Gram, Western Union, Vigo, GTMT, EZWICH and G-CASH(CIT), MTN Mobile Money, Airtel Money, Spanish Visa booking fees. ECG and Ghana Water collections
• Paying and receiving of foreign currency transactions,
• Daily balancing and preparation of teller proof and serve as back-up to the Teller Captain
• Ensure security and control consciousness as well as fraud free processing
• Posting Bank of Ghana transactions, Salary processing
• Forex conversion and Investment advisory services
• Balancing all Clearing, Sundry and Transit accounts

Major Achievements
• Increased Company’s revenue by 50% in 2009 by engaging customers in promotional sales, market storms, increased accounts openings and deposits. I was part of the few staff of the bank who won the 2009 overall banking awards in 2009 and 2010 consecutively.
• Cross selling the banks products over the counter and thereafter handing over the process of sale to the marketing officers to close the sale.
• Provides operational and best practice context for internal environment and builds relationships with peers and or colleagues that impacts across business areas.
• Accountable for governance and compliance at an operational level.

Barclays Bank Ghana Limited, Spintex Sept 2007- March 2008.
Direct Sales Agent

• Total customer service and delight, Account opening, account statement printing
• Attend to customers’ requests and complaints
• Selling loans, fixed deposits and treasury bills at respective rates
• Ensure strict compliance to money laundering and fraud procedures
• Ensures accounts are opened in accordance with the accounts opening checklist
• Ensures accounts are opened with the correct scheme code or sub ledger head.
• Meet targets with all efforts possible with high sense of duty and care

Major Achievements
• Increased the customer base of Barclays by opening more varied (traditional Barclays) accounts, increased deposit base of the bank through fixed deposits savings and current account holders.
• Processed more scheme loans for varied companies especially the Ghana police service and other private schools and companies.

Salmaniya Islamic School-Kasoa Sept 2006- August 2007
National Service Person – Teacher
• Teaching pupils, Giving assignments, Marking class exercises, Setting examination questions and marking thoroughly afterwards, Marking class registers, Recording and tabulating exams scores and terminal report cards

Training and Capacity Building
• Training on product knowledge, remittances, foreign operations, loans and documentations required for processing the above. July 2015
• Training on foreign operations-transfers and money laundering activities and identifying suspicious transactions. Western union and compliance issues June, 2014.
• Training on Anti-money Laundering (AML) and Customer Due Diligence (CDD) November, 2013.
• Training on western union money transfer and issues to look out for in terms of compliance and security against payments. July 2013.
• Training on new ECG bill payments platform and how special load transactions are to be taken seriously to keep customer payments on track. September 2013, Training on funds transfer, thus swift transfer transactions and things to take note of. August 2013.
• GT bank Ghana Limited Training on Ethical, Customer Service and Confidentiality issues, February 2012.
• GT Bank Ghana Limited Training on “KYC” and Anti Money Laundering. February 2010

Education
Bachelor of Business Administration (BBA Accounting Option) 2010-2012
Christian Service University College-Kumasi(University of Ghana)

Higher National Diploma (HND Accountancy) 2003-2006
Ho Polytechnic-HO Volta Region

Senior Secondary School certificate exams (SSSCE) 1999-2001
Presbyterian Sec School-Osu Accra
References
ALH. ATCHULO YAHAYA
Senior Manager
Guaranty Trust Bank (Head Office)
0248326661/0208174591
[email protected]
MR EMMANUEL ARMAH SAMPSON
Branch Team Leader
Guaranty Trust Bank -Kumasi
024-4710817/0264710817
[email protected]
MR JOSEPH AGYEI
Branch Manager
The Seed Funds Savings and Loans ltd. Accra
0503888977/0266783368
[email protected] /[email protected]