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Mr. Yahaya Bala is financial expert with experience in Insurance and Banking sub sector with a complimentary role in Business Process Reengineering, Banking Operation, Service Quality Management, Enterprise Risk Management and Business Development. I first started a Carrier in the insurance Sub sector of the financial sector as a young graduate. I worked as financial controller with emphasis on data science management, information technology, customer service management and Business transformation. This exposed me to handling of financial management reporting system, Customer complaint management system and Business transformation system, which lasted for almost two years (April 2008- September 2009) before moving to Banking industry. I joined banking, 1st October 2009 and worked across departments, SBUs as a cross breed of so many units and functions with working experience spanning in 3 geopolitical zones of Nigeria relating with any multicultural community, in fact I was mentioned as one of the most in terms of cultural intelligence at a point. I have experience in business process reengineering which is geared toward seeking improve work performance and efficient/effective service delivery using digital transformation structure and surveying changing customer needs with offering by organisation, that is matching Service quality with customer expectations. Service Quality Management is an internal organ that is use as a tool by management to better the deliverables of organisation which I captured in 3 perspective Performance Appraisals System, Service Level Agreements (SLAs) and Key Performance Indicators (KPIs) all of this perspective is reviewed and related to Job Functions which is my core job description. Banking Operations include analysing balance sheet, control of all operation expenses and supervising Teller/cash Units, Customer Service Unit, Foreign Transaction units and ATM unit. Managed the Balancing Physical, Vault and System transactions and other administrative functions. The business development Unit is that of perpetual acquisition of customers, knowing the red flags of Profit and Loss Position. I became the retail banking champion and work in mass acquisition of customer with more and better offerings for 11 years (2009-2020) Thereafter in the year 2021, I was hired as Head Operations and Performance Evaluation in TRV Unify Solution LTD. A Tax (Revenue) Consultant to Adamawa State and pioneered the reinvigoration and transition from Manual to IT base organisation with sole responsibility of revenue collection in the agricultural Produce endowed in the state (initially). As a manager with over 70 Staff and drive Agricultural, produce revenues collection to unprecedented figures until November 2023. I worked with DEINA Rice as the General Manager (Strategic Level) form December 2023 to May 2005 in charge of whole organisation that ventured in rice Production, Processing and packaging. I am currently the MD/CEO Mivanyi Integrated Farms Limited Also a strategic Position over seeing the Investments of over N50Billion

James Adedeji is an experienced banking professional with strong expertise in relationship management, portfolio management, business development, customer engagement, and financial advisory services. He has demonstrated capacity in driving deposit mobilization, managing risk assets, supporting customer retention strategies, and delivering tailored financial solutions across diverse customer segments. With practical experience in the Nigerian banking industry, he possesses sound knowledge of credit administration, compliance, customer service excellence, and operational efficiency. He is passionate about professional growth, leadership development, and knowledge sharing within the financial services sector. As a mentor under the Chartered Institute of Bankers of Nigeria Mentee Programme, he is committed to guiding emerging professionals by sharing practical insights, fostering ethical banking practices, and supporting career development for future industry leaders.

A Chartered Banker with Distinction in Management of Financial Institutions Subject. Have accumulated twenty-three years’ experience in banking operations, deposit insurance, bank liquidation, and Research & Policy Analysis; this spans across Intercity Bank (now Unity bank), Ecobank, and FCMB before joining the Nigeria Deposit Insurance Corporation, NDIC. Have worked in the Corporation’s Debt Recovery Policy Review; Involved in designing the Bank Liquidation Accounting and Management application; worked in the committee for the review of NDIC framework for financial and technical assistance; special task-force on banks in liquidation; formulation of specialized winding-up rules for failed insured institutions. Have represented the Corporation in technical committees and working groups in NDIC, CBN and Community of African Banking Supervisors – a subsidiary of the Association of African Central Banks etc. Mr. Gide has participated in the Financial Stability Institute’s Bank Crisis Simulation Project for Africa. Attended various management and technical courses across diverse subjects in banking, deposit insurance, economics and finance. These include Advanced Research Methodology; Bank Examination; Bank Supervision; Islamic Banking and Finance; Islamic Liquidity Management; Macroeconomic Diagnostics; Macroeconomic and Technical Analysis; Macro-econometric Modelling and Policy Analysis; Specialized Credit Analysis; Risk-Based Supervision; etc.

"Hey, I'm Dauda Naaman, a marketing and management specialist (14+years) with diverse experience. I've worked as a revenue collector, marketing teacher, hospitality manager, sales rep, and currently in the banking sector( Specialist in Credit Administration). I've got a passion for driving growth and sharing knowledge. Excited to guide you on your journey

Kikanwa Akpenyi is a Senior Director in charge of Audit and Advisory at Ha-Shem Limited and a seasoned transformation consultant. With over two decades in banking and other regulated sectors, she specializes in CX Optimisation (Service Quality Management, Contact Centre, Complaints Management, Customer Insights & Analytics), Capacity Development, Process Improvement, Internal Controls and Audit across the banking and other regulated industries. She is known for translating strategy into measurable outcomes through hands-on leadership, skill development, effective resource management and technology-enabled process optimisation. Her career includes senior leadership roles at Skye Bank (Now Polaris Bank Limited) and Heritage Bank, where she served as Group Head, Customer Experience & Analytics; Group Head, Internal Control; and Chief Audit Executive Previously, as Lead Consultant at Yashua Cares Limited, she successfully led business transformation projects for several clients. A notable achievement includes leading initiatives that significantly improved her bank’s KPMG Customer Experience ranking in 2020. She was also instrumental to the launch of Financial Literacy for Schools in Nigeria, one of the key Financial Inclusion strategies by the Central Bank of Nigeria. She holds Bachelor's and Master’s degrees in Economics, an MBA from Bangor University (Wales), and is a Fellow of both the Chartered Institute of Bankers of Nigeria (FCIB) and the Association of Chartered Certified Accountants (FCCA, UK). She is an active leader within the Association of Professional Women Bankers, the female wing of the Chartered Institute of Bankers (CIBN), having held several Executive Committee roles, including Social and Publicity Secretary (2019-2023), Financial Secretary (2023-2025) and Honorary Secretary (2025-2027). Recognised as a collaborative and hands-on leader, she is passionate about people empowerment, continuous development, and innovation, earning a reputation as a mentor, role model, and pioneer in her field.