COLLINS PEPRAH
New York,NY
Summary
As a seasoned professional in the fields of risk, compliance, audit, and credit, my diverse career experience revolves around my dedication to ensuring the integrity and success of the organization I work for. With a strong background in analyzing and mitigating risk, enforcing compliance regulations, conducting thorough audits, and managing credit portfolios, I am confident in my ability to protect and enhance the financial stability of the company. I strive for excellence in all that I do, constantly seeking opportunities for growth and learning to stay ahead of industry trends, leverage my expertise and experience to drive positive outcomes for the organization and its stakeholders.
Overview
24
24
years of professional experience
Work History
Digitalization Administrator
Cygnet Health UK
Chester UK
10.2024 - 06.2025
- Scanned and converted hard documents into PDF format
Production Operative
Rhino Products Ltd
Nantwich, UK
07.2024 - 09.2024
- Assembling/Building of Racks (Car Accessories)
- MR4
Head, Risk and Compliance
Juaben Rural Bank PLC
Ghana
08.2018 - 05.2024
- Performed Enterprise Risk Assessment with Team Accurately and Efficiently
- Conducted periodic Review of Internal Risk Policy Framework for improvement in Efficiency and Productivity.
- Conducted Third-party Risk Assessment for Value for Money.
- Conducted periodic Review of Risk Register for Effective and Efficient Risk Monitoring and Mitigation Plan.
- Conducted Risk Control Self-Assessment with the Team to Identify Vulnerabilities.
- Conducted Stress Test to draw up Sustainability Strategies.
- Conducted Risk Training for Employees at all levels on Risk Awareness for over 200 Employees.
- Presented Quarterly Risk Report to Board.
- Conducted Compliance Audit with the Team for Prompt Detection of Violations for the Head Office and Eleven Business Offices.
- Carried out Review of Internal Policies and Procedures to ensure Consistency with Statutes and Regulations Six Departments and Three Units.
- Conducted Investigation into Customers and Employees Complaints for Resolution and avert Potential Reputation Risk.
- Conducted Compliance Training for Employees to Effectively Communicate changes in Regulations, Statutes and Policy Directions for over 200 Employees.
- Presented bi-annual and annual report to Bank of Ghana and Financial Intelligence Centre.
- Presented Quarterly Compliance Report to Board.
- Conducted KYC/CDD review on Customers at the on-boarding stage for Effective Risk Rating of Customers.
- Conducted day-to-day Transactions Monitoring with the Team for Effective Reporting of Suspicious Transactions to Authorities on an of average of 1000 Transactions per day.
- Conducted Risk-based Assessment on Customers (over 100,000 customers), Products (6 product lines), Delivery Channels (3 channels) and Geographical Locations (11 sites) of the Bank to ascertain vulnerabilities.
- Conducted AML Training for Employees
- Presented Quarterly Report to Board, Bi-annual and Annual Report to Bank of Ghana
- Risk Duties
- Compliance Duties
- Anti-Money Laundering (AML) Reporting Duties
Credit Officer
Juaben Rural Bank PLC
Ghana
02.2012 - 08.2018
- Performed successfully Credit Applications Evaluation for Approval Recommendations.
- Educated Clients on Loan Products Available to Facilitate Decision-making, Describing Complex Terms in Easy-to-understand language.
- Analysed Customer History and Financial Reports to Assess Risk and Creditworthiness.
- Conducted on daily basis Post Disbursement Balance Sheet Assessment (Repayment Monitoring).
- Recommended Customers for Court to Recover Overdue Loans.
Administrative Assistant
Juaben Rural Bank PLC
Ghana
03.2008 - 02.2012
- Handled incoming calls for staff, answering questions, directing calls and documenting messages.
- Kept and maintained accurate filing system for preservation of office information.
- Supported staff with administrative needs for photocopying, faxing and filing.
- Received, sorted and distributed incoming mail.
- Provided printing, photocopying scanning support to colleagues.
- Arranged filing systems for easy use and retrieval by personnel.
- Wrote professional letters, emails and memoranda for business communication.
- Organised tasks by level of urgency and importance to make best use of time and resources.
- Helped staff to maximise efficiency by providing clerical and secretarial support.
- Planned and scheduled meetings, creating agendas and minutes as needed.
- Ordered stock and supplies from trusted and cost-effective suppliers to meet office needs.
- Took initiative to self-assign administrative tasks in line with company policy to maximise impact.
National Service Person
Ghana Audit Service
Ghana
10.2006 - 12.2007
- Designed questionnaires to gather needed data for audit procedures.
- Managed audit files in computer and paper form.
- Consulted with auditors to determine needed support activities.
- Assisted with pre and post implementation reviews.
- Performed stock verification
Shop Assistant
Clicon Ventures
Ghana
01.2001 - 10.2003
- Completed opening and closing procedures each day.
- Oversaw daily store cleaning and general store maintenance to keep high company standards.
- Stocked and restocked inventory upon delivery receipt, maintaining accurate supply records.
- Checked invoices from suppliers against physical stock records to identify discrepancies.
- Picked and packed orders for customers on daily basis.
Education
Bachelor of Arts - LAW
Central University
Kumasi, Ghana05.2024
Master of Business Administration - FINANCE
Kwame Nkrumah University of Science and Technology
Kumasi, Ghana05.2016
Bachelor of Science - ACCOUNTING
University of Education
Kumasi, Ghana05.2011
Higher National Diploma - ACCOUNTING
Koforidua Technical University
Koforidua, Ghana01.2006
Skills
- Problem-solving
- Communication skills
- Team building
- Strategic Planning
- Leadership
- Resourcefulness
- Public Relations
- Inventory management
- IT Literate
- Risk Management
Accomplishments
- Established the first ever Risk and Compliance Office in Juaben Rural Bank PLC in August 2018
- Appointed as Key Management Member of the Bank in 2018 without ever holding Supervisory Portfolio.
- Formulated the following Internal Policies and Manuals for the Bank:
- Anti-Money Laundering Policy Framework 2020, Reviewed in 2021
- Risk Management Framework 2019
- Unclaimed Balances and Dormant Account Policy 2021
- Compliance Policy 2020
- Risk and Compliance Manual 2024
Languages
English
Native or Bilingual
Timeline
Digitalization Administrator
Cygnet Health UK
10.2024 - 06.2025
Production Operative
Rhino Products Ltd
07.2024 - 09.2024
Head, Risk and Compliance
Juaben Rural Bank PLC
08.2018 - 05.2024
Credit Officer
Juaben Rural Bank PLC
02.2012 - 08.2018
Administrative Assistant
Juaben Rural Bank PLC
03.2008 - 02.2012
National Service Person
Ghana Audit Service
10.2006 - 12.2007
Shop Assistant
Clicon Ventures
01.2001 - 10.2003
Master of Business Administration - FINANCE
Kwame Nkrumah University of Science and Technology
Bachelor of Science - ACCOUNTING
University of Education
Higher National Diploma - ACCOUNTING
Koforidua Technical University
Bachelor of Arts - LAW
Central University