YEMI AJIBOSO
London,UK
Summary
Accomplished professional with expertise in payment systems design and integration, leveraging technical proficiency in SQL and Python to drive process automation and operational resilience. Demonstrates strong capabilities in data visualisation with Tableau, machine learning applications, and regulatory compliance. Proven track record in managing cross-border transactions, clearing system upgrades, and stakeholder engagement to deliver data-driven insights and risk mitigation strategies. Adept at developing technical specifications for project delivery management, enhancing workflow optimisation, incident management, and settlement process improvement.
Driven professional with strategic mindset and excellent leadership abilities, bringing robust problem-solving skills and talent for fostering collaborative environments. Demonstrates proficiency in managing cross-functional teams and driving growth initiatives. Ready to contribute to transformative results in Business Analyst role.
Overview
19
19
years of professional experience
2009
2009
years of post-secondary education
Work history
- Capture and document business requirements for payment-scheme changes (BACS, CHAPS, SEPA, SWIFT MX), translating operational needs into technical specifications.
- Map end-to-end payment flows across clearing systems, identifying pain points, failure patterns, and breakpoints across MT/MX messaging, reconciliation, exceptions and settlement.
- Analyse operational data to quantify error rates, STP opportunities, and workflow bottlenecks, producing business cases for automation or control enhancements.
- Lead impact assessments for regulatory, scheme and infrastructure change (ISO 20022, New RTGS, SEPA Instant readiness), outlining system, process and reporting implications.
- Document current-state and target-state operating models for payment processing, settlement, liquidity and investigations, ensuring alignment with product and technology roadmaps.
- Conduct root-cause analysis for payment failures, settlement breaks and client escalations, providing clear remediation actions and driving permanent fixes with engineering teams.
- Manage cross-functional delivery of payment-related initiatives — creating project plans, setting milestones, tracking risks/issues, and ensuring successful cutover.
- Act as SME between Operations, Product, Technology, Compliance and external stakeholders, ensuring design decisions reflect scheme rules, operational realities and client needs.
- Support system testing, UAT and migration planning for clearing upgrades and payment-platform enhancements, ensuring operational readiness.
- Produce operational MI and reporting packs for senior leadership, highlighting KPIs, SLA adherence, control gaps and process-improvement opportunities.
Vice President – Treasury Clearing Operations
Goldman Sachs
London
04.2018 - 12.2025
- Define and manage business requirements for BACS Direct Debit and Credit Transfers, including rulebooks, process designs and system-change documentation.
- Lead SEPA Instant and SEPA Credit Transfer readiness with product and engineering teams, producing functional requirements, business rules and operational playbooks.
- Drive ISO 20022 migration analysis and delivery across CHAPS and real-time payment rails, mapping MT/MX equivalence and ensuring data-rich messaging aligns with scheme mandates.
- Analyse operational workflows to identify automation opportunities — achieving a 35% cut in manual interventions and improving STP across custody FX flows.
- Conduct detailed payment-flow analysis for cross-border and high-value transactions, identifying defects, dependency issues and messaging gaps.
- Prepare cutover plans, testing scenarios and migration readiness checklists for clearing-system upgrades.
- Lead incident reviews and root-cause analysis for RTGS settlement issues, producing clear documentation used to prevent recurrence.
SENIOR CHAPS Payment Operations Controller
Bank of England
05.2016 - 04.2018
- Worked as a key Business Analyst for CHAPS/RTGS initiatives, conducting impact assessments, operational requirements gathering and process redesign for the New RTGS vision.
- Mapped CHAPS workflows, liquidity interactions and settlement dependencies to support infrastructure-modernisation programmes.
- Produced detailed operational and risk assessments for payment-scheme changes, including liquidity, settlement and operational-resilience impacts.
- Investigated payment failures and operational incidents, performing analysis on break patterns and contributing recommendations for scheme-wide fixes.
- Delivered documentation for CHAPS resilience standards and enhanced settlement controls in collaboration with clearing banks and FMIs.
International Cross-Border Payments Team Manager
Guaranty Trust Bank (UK) Ltd
10.2011 - 04.2016
- Product Development: Designed and managed PSP partnership network across EMEA, developing innovative client solutions for complex cross-border payment requirements
- Team Leadership: Led team of 15+ specialists in cross-border SEPA and SWIFT operations, overseeing transaction investigations and client escalations
- Process Innovation: Implemented automated exception-handling processes, reducing rejections by 40% and improving client NPS scores by 25%
- Commercial Focus: Managed PSP chargebacks and reconciliation, implementing cost-saving initiatives that reduced operational expenses by £500k annually
- Client Management: Developed bespoke payment solutions for institutional clients, enhancing custody FX offerings and increasing market share
FX Payments & Treasury Funds Transfer
Guaranty Trust Bank (Nig) Ltd
04.2007 - 09.2009
- Served as FX Subject Matter Expert within the Global Funds Transfer Team, ensuring accurate confirmation and payment processes
- Developed deep expertise in FX operations, payment processing, and risk management across emerging and developed markets
- Managed efficient execution of Treasury transactions within established SLAs, supporting institutional client requirements
Education
MBA - Strategy
University of Aberdeen
Skills
- Security clearance: Enhanced vetting eligibility
- Technical proficiency in SQL and Python
- Data visualization with Tableau
- SWIFT Alliance expertise
- Machine learning and AI applications
- Payment platform integration
- Payment systems design
- Regulatory compliance
- Operational resilience
- Process automation
- Stakeholder engagement
- Risk mitigation strategies
- Data-driven insights
- Cross-border transaction management
- Clearing system upgrades
- Workflow optimisation
- Incident management
- Payment flow analysis
- Settlement process improvement
- Technical specification development
- Project delivery management
PAYMENTS INDUSTRY ENGAGEMENT
- Active participant in payments industry forums and SWIFT user groups
- Contributor to internal thought leadership on real-time payments and cross-border innovation
- Member of professional networks focused on payments modernisation and financial technology
Timeline
Vice President – Treasury Clearing Operations
Goldman Sachs
04.2018 - 12.2025
SENIOR CHAPS Payment Operations Controller
Bank of England
05.2016 - 04.2018
International Cross-Border Payments Team Manager
Guaranty Trust Bank (UK) Ltd
10.2011 - 04.2016
FX Payments & Treasury Funds Transfer
Guaranty Trust Bank (Nig) Ltd
04.2007 - 09.2009
MBA - Strategy
University of Aberdeen