Raymond Ozekhome

. OZEKHOME RAYMOND SU MM ARY -m Dynamic Reconciliation Analyst that displays dedication and determination in all endeavours with diligent attention to detail for optimal end results. Goal-directed, results-oriented professional with a strong Fintech background and Database management. Skilled communicator, customer service oriented, persuasive and adaptable. Self-motivated with high energy, initiative and focus. Keen insight into the needs and views of others, able to listen and identify issues or problem areas and form innovative solutions. - E XP ER IEN CE LEAD, RECONCILIATION AND SETTLEMENT 9JAPAY JUNE 2023 – TILL DATE 270, Murtala Mohammed Way, Yaba, Lagos State. Lead, Reconciliation and Settlement (Finance Unit) Responsibility: • Design architectural flow for product • Oversee renegotiated of negotiation of contracts with partners • Oversee all Reconciliation, Settlement and Dispute process • Discuss gaps and improvement of product to ensure good customer experience • Supervise and work on dispute and chargeback • Supervise resolution of customer issues • Reconcile all Bill payment transactions on a daily basis • Ensure daily reconciliation for NIP transfer for Local and Interbank transfer are settled with no leakage for settlement • Liaise with Switch, Processors, Third parties, Nibss and Banks daily • Provide weekly and monthly report to the CFO • Treat customer issues promptly • Working with the product and tech team for integration of new products to have a smooth flow for Reconciliation, Settlement and Dispute, • Ensure there is no leakage and lost of funds to the company and customers by doing Reconciliation on a daily basis. 3, Olatunbosun Street, Ajayi Road Off Excellence Hotel, Ikeja-Ogba, Lagos State. E DUCA TION NEXFORD UNIVERSITY 1140 3rd St NE Washington, DC 20002, US. MBA. Master Of Business Administration. Sept. 2023 – Nov. 2024. Distinction (CGPA 3.6/4.0) UNIVERSITY OF LAGOS Akoka, Yaba, Lagos State. M.Sc. Economics (In-view) March 2019 till date. ODUDUWA UNIVERSITY IPETUMODU Ile-Ife, Osun State. Bachelor of Science (B.Sc.) Economics (Hons.) Oct. 2015 Second Class Upper (2.1) GRACE POLYTECHNIC Omu, Ijebu-Ode, Ogun State Ordinary National Diploma Business Administration & Management (OND) Nov. 2011 ROYAL STAR COMPREHENSIVE COLLEGE Surulere, Lagos State . MANAGER, RECONCILIATION AND SETTLEMENT NOWNOW DIGITAL SYSTEMS LIMITED. SEPT. 2022 – JUNE 2023 239/241, Ikorodu-Ososun Rd, Ilupeju 102215, Lagos State. Manager, Reconciliation and Settlement (Finance Unit) Responsibility: • Provided a work flow for Processing and settlement of transactions initiated from account/wallet transfers, debit or credit cards and USSD and other modes across various platforms. • Developed processes for chart of accounts to take into consideration transaction ID’s, statutory transaction cost, revenue share etc and other parameters that ensured accurate settlement and reconciliation of transactions. • Attended to customer and merchant disputes and ensuring prompt resolution. • Liaised with switching companies and card schemes on Settlement issues. • Rendition of daily CBN regulatory requirement report • Settlement of transactions routed through various payments platforms. • Developed and implemented strategies that reduced operational risk and ensured safe and reliable settlement processing. • Daily reconciliation of accounts for exceptions and subsequent escalation of exceptions to the switch and other vendors or third parties for resolution. • Ensured timely reconciliation of all transactions done on the bank’s terminals. • Performed settlement of interbank card transactions such as VISA, MasterCard, Verve. • Executed chargebacks and dispute resolutions of local and international cards transactions. • Performed electronic transaction analytics and reporting using SQL and Excel. • Developed Business Requirement Documents and SOPs for the automation of settlement processes. • Performed User Acceptance Tests (UATs) to certify that newly deployed and existing modified applications on the platforms fulfill the specified requirements. RECONCILIATION AND REVENUE ANALYST E-SETTLEMTENT LIMITED. JULY. 2021 – SEPTEMBER 2022 13, Hughes Avenue, Alagomeji Yaba, Lagos State. Reconciliation And Revenue Assurance (Finance Unit) Responsibility: • Daily reconciliation of all transaction type (POS, WEB, NIP Transfer) on PayCentre/Cashenvoy using reconart and Microsoft Excel tools. • Daily upload of files to reconart for configured processes. Senior Secondary Certificate Examination. -) A DD ITIO NAL S K ILLS • • • • • • Good communication & listening skills. Business Acumen. Emotional Intelligence. Creativity and adaptability. Ability to solve problem and render solutions. Proficient with Microsoft Word Office & Excel. C ER TIFICA TIONS • • • • • • • Global Business by Nexford University. (Canvas Credential) Nov. 2023. Back Office Operations, Settlement & Reconciliation (NIBSS). 4th November 2022. Payment & Settlement Systems Masterclass. (NIBSS) 18th November 2022. Master all the MS Excel Macros and Basics of Excel VBA. (Udemy) 7 June 2021. Microsoft Excel Functions, Formulas, Analysis, & Dashboards. (Udemy) 15 February 2021. Advanced Financial Analysis & Business Modelling using Microsoft Excel. August 2018. (AML/CFT/ABC) ANTIMONEY LAUDERING, COMBATING TERRORIST FINANCING & ANTIBRIBERY SYSTEM AND CONTROL. (LEADWAY ASSOCIATES) February 2018. . • Resolve all VAS Reconciliation: Airtime, GOTV, DSTV, STARTIMES. etc. • Daily upload of Settlement Report on ESL Paypad portal. • Ensure all Daily, Weekly & Monthly Revenue are well calculated and prepared of third parties’ transactions for CFO approval of funds movement. • Open all unassigned tickets and solve the Revenue to enable Agents/Merchants withdrawal to be successful on Cashenvoy Zendesk. • Ensure uploaded files to reconart are matched daily and exceptions manually reconciled. • Design process for reconciliation for any unreconciled Items along all transaction’s types. • Daily review of all debits passed to operational and settlement accounts. • Review chargeback output from the dispute team and other similar teams. • Monitoring and performing the reconciliation of agent’s funds daily and other third-party transactions. • Monitoring of correct transaction workflow and responsibility to investigate and resolve any discrepancies on a timely manner. • Monitoring processing of transactions using TLM and Kimono online portal. • Organization and delivery of reconciliation information to the required team. • Monitoring of Bank statement and settlement balances daily and assess any pending settlement. • Communication and coordination with various departments within the Company and third parties on reconciliation issues. • Assist the Reconciliations Team Leader in the preparation of monthly end reports and month end reconciliations. • Prepare Daily Reversal/chargeback and send details to Dispute Unit to refund the merchant/Agent. SETTLEMENTS & RECONCILIATION SPECIALIST UNIFIED PAYMENT SERVICE LIMITED. JAN. 2019 – JUNE 2021 3, Idowu Taylor Street, Victoria Island, Lagos State. Merchant Settlement (Finance & Account Unit) Responsibility: • Prepare Daily Reversal/chargeback of NIBSS Returns. • Verify the incoming and outgoing payment reports. • Ensure wrong postings of transactions are reversed correctly. • Reconcile all POS Accounts & WEB transactions against Merchants. • Ensure that exceptional transactions are adequately identified and reported. • Timely submission of all reconciliation reports for Banks, Merchants & Stake holders. • Ensure all Settlement complaints for unsettled and shortage settlement are resolved. . • Support each bank E-business team in resolving settlement and reconciliation issues. • Ensure merchants and stakeholders get accurate settlements for all transactions. • Prepare Daily settlement & reports for PTO (Payment Terminal Owner), PTSA (Payments Terminal Service Aggregator), PTSP (Payments Terminal Service Provider), & TERMINAL OWNER. • Handle Settlement for VAS, TREASURY SINGLE ACCOUNT (T.S.A) & confirmation of REMITA RECEIPT. TECHNICAL SUPPORT SPECIALIST Unified Payment Service Limited. May 2018 – Dec. 2018 3, Idowu Taylor Street, Victoria Island, Lagos State. Helpdesk/Customer Care Unit. Responsibility: • Resolved customer issues via phone or emails. • Supported each bank E-business team and resolved settlement & reconciliation issues. • Spooled reports for banks used UP Portal on a daily basis. • Timely submission of all reconciliation reports. • Made use of CRM to log issues and close resolved cases. • Resolved both internal and external customer compliant. • Ensured that exceptional transactions were adequately identified and reported. • Resolved issues raised from charge-back/reversal. • Reconciled all report discrepancies based on WEB & POS settlement used SQL as tool. SETTLEMENTS & RECONCILIATION SPECIALIST Unified Payment Service Limited. Oct. 2017 – Apr. 2018 3, Idowu Taylor Street, Victoria Island, Lagos State. Merchant Settlement (Finance & Account Unit) Responsibility: • Prepared Daily, weekly & Monthly Reconciliation for Merchant (Banks). • Resolved both internal and external customer compliant. • Ensured that government funds for collections were moved to TSA appropriately. • Made sure reports were delivered to NIBSS for funds movement before SLA breached. • Resolved ATM, POS and WEB merchant transactions daily. • Ensured that exceptional transactions were adequately identified and reported. • Worked and settled all international & Local transactions for stakeholders’ fee with the currencies Dollar, Euro, Naira. E.t.c. . . MANAGING DIRECTOR. Elion Automobile. May 2017 – Sept. 2017 Km 2, Lekki Epe Expressway by VGC Roundabout Lekki-Ajah, Lagos State. Responsibility: • Hired all management positions, completed performance evaluations regularly and developed short and long-term goals for each department manager (includes administrative, sales, parts, collision and service departments). • Planned and developed short and long-term goals and objectives annually, and submitted time projections to corporate management for approval. • Paid close attention to daily operations, recommended and created improved courses of action where necessary. • Provided dealership management with weekly reports on the financial condition of the dealership. • Focused on any customer complaints that department managers were unable to rectify and taking the necessary steps to resolve these complaints. ACCOUNTANT University of Calabar Teaching Hospital. Apr. 2016 – Apr. 2017 Etta Agbor Layout Court Road Calabar, Cross River. Payroll Unit (Account Department) Responsibility: • Inputed client's data into payroll software, Crosschecked data in software and provided documentation in manual files. • Prepared reports for management as instructed. • Documented files for pensioners. • Recorded payroll journal entries. • Responded to employee inquiries regarding payroll and timekeeping. • Maintained and transmitted employee pension funds. • Met mandatory deadlines in processing payroll for all staff. • Prepared Invoice for staff. TECHNICAL SUPPORT/POS ADMINISTRATOR Unified Payment Service Limited. Nov. 2011 – Feb. 2013 3, Idowu Taylor Street, Victoria Island, Lagos State. Channels Unit (Operations) Responsibility: • Card Testing Via Smart Chip. • Assisted in Configuration of Terminal (POS). • Tested Network Strength for Transactions. • Maintained and troubleshoot Point-Of-Sales. • ATM, POS and WEB transactions support on Unified Payments Processing System. • Domestic and International VISA Cards Support. • Switched Transactions monitoring and Event log analysis.