ELVIRA CHIOMA ONYEMEGBULEM
United Kingdom
Summary
Detail-oriented professional with a decade of expertise in Settlement, Reconciliation, Digital Payments, and Customer Service. Known for analytical precision, speed, and a proactive approach to solving complex business problems. Experienced in Micro Finance Bank Operations and loan management, ideally suited for MSME-focused businesses.
Overview
13
13
years of professional experience
1
1
Certification
Work history
Health Care assistant
PEN-Y-BRYN CARE HOME
04.2023 - Current
- As a carer, myprimaryresponsibilityistoprovide compassionate anddedicatedsupporttoindividuals whorequire care and assistance intheirdailylives.Itake pride inhelpingclientswithpersonaltasks, such as bathing,grooming,dressing,andtoileting,ensuringtheircomfortandpreservingtheirdignity
- I assistclientswithmobilitychallenges,ensuringtheymove safely,transferinandoutof bedor wheelchair,anduse assistive deviceswhenneeded
- In additiontopersonal care,Iperformlighthousekeepingduties,includingtidyingup,laundry,and maintainingacleanandorganizedlivingspace forthe client
- Engaginginmeaningful conversationsandrecreational activitiesisvital forpromotingsocial interactionandmental stimulation,andItake pleasure inprovidingcompanionshiptothose inmy care
- Monitoringthe healthof myclientsisa crucial responsibility,andIdiligentlyobserve andreportany changesintheircondition,behavior,orhealthstatustothe appropriate medical professionalsor familymembers
- Ensuringa safe environmentforthe clientisparamount,andIam vigilantinidentifyingand minimizingpotential hazards
- I provide emotional supportandreassurance tomyclients,fosteringacaringand trusting relationship,asIbelieveemotional well-beingisessential tooverall healthandhappiness
- Keepingaccurate andup-to-date recordsof care provided,observations,andanyincidentsor developmentsispartof mycommitmenttoprovidinghigh-qualitycare
- Adheringtoethical standardsisof utmostimportance,andIrespectthe privacyand confidentiality of clientinformationinall aspectsof myworkas a carer.
Manager
PAYGO LIMITED
09.2021 - 12.2022
- Supervise and coordinate all PayGO reconciliation activities encompassing transactions
- Sales team, administrative expenses payments, operations etc
- Supervise the investigation and follow up of all outstanding items on Agent reconciliation statements
- Ensure accurate and timely reconciliation of Agent banking transactions for all the bank accounts maintained by PayGO to ensure timely completion within the approved timelines
- In liaison with other stakeholders, improve the internal control environment at PayGO and
- Bank accounts and transactions
- Systematically liaise with the Business Development Team to ensure compliance of all required processes as far as Agent recruitment, onboarding, transactions, and maintenance are concerned
- Ensure effective follow ups and escalations, both internal and external, in resolving outstanding reconciliation items, process and systemissues, as per agreed SLA / reconciliation matrix
- Continuously improve team productivity to the standards prescribed
- Create sufficient back-ups for each process to eliminate key staff risk at any point of time
- Performs root-cause analysis of reconciliation errors and issues with clearly articulated mitigation plans
- Familiarize with Operational Risk, Money Laundering Prevention, Fraud and other policies and Procedures in line with the industry and regulation
- Provide training, guidance, and direction to direct reports to ensure work is performed in an efficient, timely, and knowledgeable manner
- Develop and implements Standard Operational Processes and Procedures around all operational areas.
Settlement Manager
CHAMS SWITCH PLC
02.2020 - 09.2021
- Responsible for all settlement activities within the organization
- Facilitates complete and accurate processing of settlement for all transactions/products by ensuring that required due diligence is performed and timely reconciled to show a true and fair view of processed transaction with partner organizations including banks, payment gateways, processing networks and service providers
- Support each bank E-business team, other departments, in resolving settlement and reconciliation issues
- Interacting with other team members and management to improve the efficiency and effectiveness of the unit
- Departmental Knowledge Sharing & Skill Building
- Liaise with Bank settlement team to ensure reconciled funds are duly transferred to appropriate accounts
- Attend to all queries from clients on payments and ensure they are resolved promptly
- Perform daily/weekly analysis of bills payment data: Trends, failure rates etc
- And extract business intelligence from payment data and provide regular feedback to the Head of
- Operations
- Worked with the software team for the integration of the VTU manager for banks
- Working with the software team for the integration some payment gateway projects with the bank, developing settlement Processes.
Settlement Specialist
UNIFIED PAYMENTS SYSTEMS LTD
06.2014 - 02.2020
- Daily preparation of payment advice sent to NIBSS (Nigeria Inter-Bank Settlement System) for MasterCard, Visa card, Pay attitude, China Union Pay, American Express and WEB transactions
- Daily Reconciliation with VSS and T140, the MasterCard and visa transactions for 19 affiliate countries
- Daily preparation of payment advice for government collections and sending advice to appropriate unit to ensure that funds are moved to TSA
- Prepare daily settlement reports for the Issuers, Merchant deposit banks, Terminal Owners and other stake holders
- Settlement of dollar transactions worth over $30million with great degree of accuracy
- Provision of process flow document and update of settlement procedure
- Daily settlement of VAS (Value added services) transactions which includes airtime vending, bills payment, and toll fees ETC
- Loan deductions, settlement and reconciliation for merchants who obtained loans from the licensed partners
- Daily settlement of Collections from State hospitals and Schools
- Resolve both internal and external customer complaints within SLA
- Ensure that exceptional transactions are adequately identified, reported and follow up is done for onward settlement
- Reconciliation of all transactions with the scheme reports to avoid under settlement or over settlement and timely submission of all reconciliation reports
- Departmental Knowledge Sharing & Skill Building
Lecturer NYSC
COLLEGE OF HEALTH TECHNOLOGY, JIGAWA
01.2011 - 01.2012
- Teaching, Anatomy and Physiology for 100level students
- Teaching Anatomy and
- Physiology for Pharmacy Technician, 100level
- Preparing of continuous assessment test papers
- Setting and Conducting Examinations for Pharmacy Technicians
- Collation of Students reports
- Monitoring and reporting daily students' growth and development process to the curriculum officer
- Trained (40) Forty Students as Peer Educators on Reproductive Health, HIV/AIDS
- Prevention, Care and Support through the NYSC
- Formation of Anti- HIV/AIDS club in the college
- Participating in work productivity improvement programs and responding positively to appraisals conducted by the college authority.
Education
Bachelor of Science - Human Physiology
Anambra State University
Master's - Business Administration
Ladoke Akintola University of Technology
Masters of Science - View, Public Health and Health Promotion
Swansea University
Skills
- KEY COMPETENCE AND PROFESSIONAL SKILLS
- Analytical and problem solving skills
- Numerical skills
- Customer Focus
- Communication
- Attention to details
- Microsoft office proficiency
- Creating and keeping deadlines
- Integrity
- Leadership abilities Result oriented
- Research and analysis
- Transaction processing
Certification
- Effective Business Writing & Communication Skills.
- Personal Effectiveness.
- Introduction to Chargeback.
- Microsoft Excel.
- Customer Service Effectiveness.
- Project Management
Languages
English
Fluent
Timeline
Health Care assistant
PEN-Y-BRYN CARE HOME
04.2023 - Current
Manager
PAYGO LIMITED
09.2021 - 12.2022
Settlement Manager
CHAMS SWITCH PLC
02.2020 - 09.2021
Settlement Specialist
UNIFIED PAYMENTS SYSTEMS LTD
06.2014 - 02.2020
Lecturer NYSC
COLLEGE OF HEALTH TECHNOLOGY, JIGAWA
01.2011 - 01.2012
Bachelor of Science - Human Physiology
Anambra State University
Master's - Business Administration
Ladoke Akintola University of Technology
Masters of Science - View, Public Health and Health Promotion
Swansea University