Regina Bailey
Burswood,WA
Overview
39
39
years of professional experience
Work History
Compliance Officer
Ziksu Capital Limited
05.2021 - Current
- Company Overview: Digital online bank offering instant payments and transaction accounts for consumers and businesses.
- Reports to the Chief Executive Officer and the Chief Technology & Information Officer (Founder).
- Conducts continuous and daily customer activity monitoring to identify suspicious transactions and restricting such account operations until suspicions are resolved.
- Conducts account verification of newly onboarded customers, ensuring mandatory KYC is completed.
- Works as contact with external stakeholders to ensure relationships are optimal.
- Responds to Cyber Crime queries relating to reported suspicious fraudulent activities.
- Called upon regularly to contribute to company policy formulation and implementation.
- Ensures company operations are compliant to the industry regulations and laws by working with all departments.
- Initiated, from start to finish production of Employee Handbook.
- Creates and updates customer information records for handy application by management.
- Creates and generates ongoing key performance indicator reports.
- Identifies customer behaviour patterns and classifies into low, medium and high risk.
- Responsible for updating internal compliance training programs like the AML/CTF, Risk Awareness.
- Conducts in-house training on money laundering and terrorism financing.
- Works closely with HR to ensure all relevant policies are up to standard and all employees are made aware of.
- Assists with staff recruitment and sits on interview panel.
- Digital online bank offering instant payments and transaction accounts for consumers and businesses.
Customer Service Representative
Ziksu Capital Limited
05.2021 - 08.2021
- Company Overview: Digital online bank offering instant payments and transaction accounts for consumers and businesses.
- I joined Ziksu in May 2021 when it was first launched as a digital online bank offering instant payments and transaction accounts for consumers and businesses.
- I was involved in onboarding the first clients via mobile phone.
- I was instrumental in establishing the initial customer base and in formulating the call centre user manual.
- I was also given the task of looking into interpretation and simplification of the Anti-Money Laundering and Terrorism Financing Act for dissemination to all employees.
- I did this assignment so well that I was moved to Compliance department in August 2021.
- Currently, I am currently one of two founding employees helping to drive the vision forward.
- Digital online bank offering instant payments and transaction accounts for consumers and businesses.
Owner
Bliss Investments Limited
01.2008 - 01.2018
- Company Overview: Operated three different businesses including supply of heavy equipment spares, farm produce, and construction.
- When I left Dana Holdings, I decided to incorporate my own business, Bliss Investments.
- With a team of seven employees, I operated three different businesses under this name.
- I bought 2 hectares of virgin land.
- From scratch, I constructed our residence, offices, poultry houses, piggery, workers quarters and student boarding houses.
- We had three major businesses: Supply of heavy equipment spares and process chemicals to the copper mines, Growing and supplying farm produce and livestock local market and super markets, Construction and lease of student rental units whilst running a small farming operation.
- Operated three different businesses including supply of heavy equipment spares, farm produce, and construction.
- Developed new business concept from establishment to execution of vision.
- Presented as face of the business in marketing, client discussions and negotiations for business and sales.
- Secured several 'running contracts' with the copper mines as a preferred supplier.
- Sourced spares and chemicals both locally and internationally (South Africa and China) across a wide and diverse product range including boots, breathing/safety equipment, CAT mobile plant spares, ink cartridges and printing paper.
- Built on networking and customer service skills by engaging contractors, consultants and other expertise as required to meet project delivery demands.
Business Development Manager
Dana Holdings Limited
01.2002 - 01.2008
- Company Overview: A group of five companies involved in various sectors.
- Manager and board member for a group of five companies.
- Undertook market research and prepared/presented business proposals to the board.
- Of note, I was key to the acquisition of the Castrol Oils franchise into Zambia competing with giants like BP.
- Played a key role in sourcing group financing from various financial institutions.
- Worked in tandem with the directors, respective general managers and group finance manager to evaluate performance and formulate growth strategy.
- Key participant in the recruitment process of staff.
- Contributed to ensure competitive product pricing and ensure effective policies and procedures for material importation (customs clearance, QA inspection etc).
- Organised company participation in the annual trade fair and other major exhibits.
- Planned and prioritised in an extremely fast-paced and competitive environment.
- A group of five companies involved in various sectors.
Records Reconciliations Officer
Standard Bank South Africa
01.1986 - 01.2002
- Company Overview: A major banking institution in South Africa.
- Administrative Support role that primarily involved information analysis, input into relevant bank software.
- Reconciliations and the disbursement of residual balances.
- Contacting beneficiaries by telephone and mail.
- Verification of identity and entitlement to balances.
- Data analysis, sorting, matching up and organising and planning of the work schedule.
- Preparation of daily, weekly and monthly reports.
- A major banking institution in South Africa.
Account Relationship Officer- Loans and Overdrafts (Corporate)
Standard Chartered Bank, Zambia
01.1986 - 01.2002
- Company Overview: A major banking institution in Zambia.
- Fast-tracked through the management ranks via the bank’s Accelerated Development Program for Graduates.
- Worked all departments, teller, front desk/inquiries, cash custodian, branch assistant accountant (admin), forex dept, foreign trade and letters of credits.
- My last role was ARO. This is a support role to the Relationship Manager. Our portfolio included corporate and individual clients.
- The core of my work was to assess the creditworthiness of clients by evaluating their financial statements and business projections.
- A major banking institution in Zambia.
- Collecting and receiving loan applications, supporting financial and other relevant data, like sales or income.
- Compiling the information into the bank Credit Application Form (standard format), easy to digest.
- Analysis of financial ratios, listing of strengths and weaknesses, projections and simulations, management viability, etc.
- Preparing the lending proposal for submission to the head of credit via manager.
- Communicated acceptance or rejection of application to applicants via mail, telephone or personal consultation.
- Conducted loan performance reviews to determine renewal or cancellation of facility.
- Determine customer risk as per bank lending criteria.
- Daily MONITORING of performance to ensure adherence to set limits, covenants terms.
- Preparation of Monthly, quarterly and annual reports.
- Participation in Sales and marketing of bank products.
- Met KPI’s in service delivery and consistently met milestones and deadlines for tasks and projects.
- Trained and mentored new starts and junior staff.
Education
Bachelor’s Degree - Accountancy
University of Zambia
01.1984
Accelerated Management Development Programme - undefined
Standard Chartered Bank
01.1995
Skills
- Strong analytical and reporting skills
- Customer service oriented
- Attention to detail
- High degree of accuracy
- Familiar with general lending regulations
- Self-starter
- Strong communication skills
- Organisational skills
- Team building
- Computer literate
- Eager learner
- Ability to work under pressure
- Decision making
- Integrity
- Confidentiality
- Knowledge of compliance laws
- Loan portfolio management
- Administrative tasks
- Loan application processing
- Customer service
- Interpersonal skills
- Sales generation
- Networking
- Marketing strategies
- Credit analysis
- Financial statement analysis
- Data compilation and analysis
- Interviewing skills
- Avid reader
Business Profile
Bliss Investments Limited, Zambia, 2008-01-01, 2018-01-01, Operated three different businesses under this name with a team of seven employees., Bought 2 hectares of virgin land and constructed residence, offices, poultry houses, piggery, workers quarters and student boarding houses., Supplied heavy equipment spares and process chemicals to the copper mines., Grew and supplied farm produce and livestock to local markets and supermarkets., Constructed and leased student rental units while running a small farming operation.
Corporate Level Career Profile
Dana Holdings Limited, Zambia, Business Development Manager, 2002-01-01, 2008-01-01, Manager and board member for a group of five companies., Undertook market research and prepared/presented business proposals to the board., Key to the acquisition of the Castrol Oils franchise into Zambia., Worked with directors and managers to evaluate performance and formulate growth strategy., Participated in recruitment process of staff., Organised company participation in annual trade fairs and other major exhibits.
Banking Career Profile
- Standard Bank South Africa, Records Reconciliations Officer, 1986-01-01, 2002-01-01, Administrative support role involving information analysis and input into bank software., Reconciliations and disbursement of residual balances., Contacting beneficiaries by telephone and mail., Verification of identity and entitlement to balances., Preparation of daily, weekly and monthly reports.
- Standard Chartered Bank, Zambia, Account Relationship Officer - Loans and Overdrafts (Corporate), 1986-01-01, 2002-01-01, Fast-tracked through management ranks via the bank’s Accelerated Development Program for Graduates., Assessed creditworthiness of clients by evaluating financial statements and business projections., Collected and received loan applications and supporting financial data., Prepared lending proposals for submission to the head of credit., Conducted loan performance reviews and determined customer risk.
Timeline
Compliance Officer
Ziksu Capital Limited
05.2021 - Current
Customer Service Representative
Ziksu Capital Limited
05.2021 - 08.2021
Owner
Bliss Investments Limited
01.2008 - 01.2018
Business Development Manager
Dana Holdings Limited
01.2002 - 01.2008
Records Reconciliations Officer
Standard Bank South Africa
01.1986 - 01.2002
Account Relationship Officer- Loans and Overdrafts (Corporate)
Standard Chartered Bank, Zambia
01.1986 - 01.2002
Bachelor’s Degree - Accountancy
University of Zambia
Accelerated Management Development Programme - undefined
Standard Chartered Bank
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