Dedicated senior compliance professional with a proven ability to excel in rapidly evolving environments. Recognised for expertise in interpreting and applying regulatory requirements. Proven leadership in cultivating a strong compliance culture. Demonstrated ability to align compliance initiatives with business objectives.
Overview
14
14
years of professional experience
Work History
COMPLIANCE ADVISORY MANAGER - BUSINESS OPERATIONS
People First Bank (Formerly People's Choice)
03.2024 - Current
Provided Compliance Advice for the largest division within the business, overseeing Business Operations, including Lending, Banking, Products, Payments and Remediation.
Oversaw the implementation and ongoing management of the Operations Compliance Obligations Register, ensuring accurate interpretation of requirements and appropriate linkage to business processes, policies, and controls.
Conducted compliance control testing, identified potential gaps, and implemented treatment plans to reduce risks and improve compliance posture.
Provided expert compliance risk management support to ensure adherence to the People First Bank Risk Management Framework
Assisted Obligation Owners with policy updates, training materials, and compliance processes, ensuring all roles and responsibilities were clearly understood.
Led the remediation of compliance-related incidents, coordinating with business unit SMEs to reduce the risk of non-compliance.
Managed incident and issue reporting, ensuring accurate and timely escalation to the relevant stakeholders in accordance with incident management procedures.
Collaborated with Line 2 teams to ensure compliance breaches were reported to regulators accurately and within required timelines.
Supported business units in preparing and contributing to attestations, certifications, and consultations to regulatory bodies.
Provided detailed management and board committee reports, ensuring clear and concise communication on compliance and risk status.
Ensured the timely completion of Line 2 Assurance compliance actions, facilitating necessary adjustments to mitigate operational risks.
SENIOR COMPLIANCE SPECIALIST
People First Bank (Formerly People's Choice)
07.2022 - Current
Analysed and reviewed significant compliance issues raised by compliance breaches, assurance reviews and internal audits and worked with the business to implement treatment plans to manage compliance risks.
Oversaw end-to-end management of reportable compliance incidents, including investigation, root cause analysis, rectification, and remediation, ensuring timely regulatory reporting
Project managed compliance initiatives and provided advice on change management.
Analysed and compiled key data to assist in trend analysis and business reporting.
Ensured all compliance returns are prepared and submitted within the required timeframes.
Provided advice and clear accountability to stakeholders within the business on how to manage their compliance obligations.
COMPLIANCE LEAD
MyBudget
03.2021 - 06.2022
Established the Compliance Framework for two separate Australian Credit Licenses.
Established the Compliance Framework for a newly acquired Australian Financial Services License.
Established MyBudget's Risk and Compliance Committee.
Established regular reporting on compliance matters with rectification and remediation clearly monitored.
Created and implemented an obligations register and developed compliance controls to mitigate risk.
Conducted independent compliance audits on business units.
Drafted business critical policies and implemented change management.
Liaised with government bodies and regulators including ASIC, ATO, AUSTRAC and the OAIC.
Managed the GRC system and ensured appropriate access and records are kept.
Promoted a strong compliance culture within the business and empowered staff to identify and raise concerns.
Provided compliance advice across the business.
COMPLIANCE OFFICER APAC
Bluestone Mortgages
12.2018 - 03.2021
Reviewed operational compliance obligations for multiple business units (across AU & NZ) including lending, hardship, collections, complaints, customer service and settlements.
Lead compliance officer on business projects including launch of new products and systems used by business units.
Independently created the NZ compliance monitoring program and solely responsible for upkeep, reviews and recommendation actions.
Regular gap analysis conducted for the Bluestone executive team on changes to processes.
Active and ongoing training across the Australian, New Zealand and Philippine offices to ensure credit license obligations are met and that there are demonstrable positive trends in compliance results.
Data and trend analysis of both raw and compliance data to address concerns and minimize error rate.
COMPLIANCE OFFICER
Aussie Home Loans
09.2017 - 12.2018
Reviewed broker's post settlement files to ensure that they are meeting their obligations under responsible lending & privacy policies.
Identifying suspicious activity & interpreting elevated risk factors of individual and/or groups of brokers.
Ongoing development of existing processes including the methodology for compliance monitoring.
Ongoing training with Line 2 team members to ensure knowledge gaps are addressed to reduce potential rework.
Assistance in investigations of brokers/franchisees or stores including compiling and analysing raw data used to inform regulators and/or internal risk committees.
INSOLVENCY OFFICER
Fox Symes & Associates
08.2014 - 09.2017
Management of the end to end processing of Part IX Debt Agreement proposals which included meeting the requirements outlined in the Bankruptcy Act 1966 & and expectations set out by the regulator.
Identifying when creditors have failed in their responsible lending obligations & assisting affected customers in potential recourse.
Auditing existing policies and procedures to ensure they reflect changes in legislation and that both the company and individuals are meeting their obligations.
HARDSHIP OFFICER
Toyota Finance
06.2013 - 08.2014
Refinancing financial contracts within the financial hardship guidelines which included analysing Equifax, payslips/tax returns & statements.
Working with customer disputes to address declined applications that resulted in financial ombudsman complaints.
Analysis of original loan applications to ensure they met responsible lending obligations.
<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.
Compliance Business Advisory and Data Privacy Officer at Absa Bank Ghana LimitedCompliance Business Advisory and Data Privacy Officer at Absa Bank Ghana Limited