Coreen Gonzo

Payments professional with 5 years in fintech, with daily reconciliation as the core of the job rather than a monthly report. At NALA I reconciled money in against money out across 40+ corridors and multiple currencies, matching what we sent against what providers reported and what actually reached recipients, and worked the exceptions rather than logging them. That covered bank statements, provider dashboards, partner reports and automated matching run with payout partners.

On the payout side at Rafiki I built the failure-threshold logic that governed partner routing. Comfortable being the person who says the numbers do not agree and then finding out why, and keen to take on the FX and cash side properly.

Payment Operations and Transaction Monitoring Analyst at NALA and Rafiki (2024-04 – 2025-12)

Venture-backed payments platform processing card and bank pay-ins from the UK, US, EU and Canada and paying out into 18 markets through a multi-provider stack, serving consumers and, via Rafiki, business clients.

• Owned daily reconciliation across the provider estate, matching pay-ins and payouts against CRDB and NMB bank statements in TZS, M-PESA and Flutterwave partner dashboards and Fincra partner reports, and resolving breaks, returns and misattributed payments.
• Ran automated matching with payout partners including Pawapay and Peex, wrote the procedures around it, and cut manual intervention by 40%.
• Monitored payouts against what was owed across 40+ corridors, and rebuilt Rafiki's partner failover using failure-threshold analysis and partner scorecards; payout success rates rose 10%, with most corridors sustained above 99.5%.
• Handled proof of payment requests, partial refunds and Visa and Mastercard disputes, and acted as escalation point on live incidents, including an authentication failure traced and resolved within 20 minutes with zero revenue loss.
• Worked directly with providers, acquirers, banks and payout partners on settlement issues, and with Compliance and Treasury on higher-risk cases.

KYC and CDD Analyst (Financial Crime) at ZEPZ (Sendwave) (2021-08 – 2023-06)

Global payments group behind WorldRemit and Sendwave, operating across 50 sending and 130 receiving countries.

• Reviewed 10,000+ cases monthly and supported transaction-to-bank reconciliation checks, identifying ledger mismatches across payment schemes.
• Reworked authorisation hold and refund communication so customers could trace refunds via the Acquirer Reference Number, cutting chargeback volume by 25%.

Financial Crime Analyst at Triam Auto Limited (2020-05 – 2021-07)

Consumer and SME finance provider.

• Reviewed bank statements, income and affordability data with strong numerical accuracy, escalating discrepancies with structured documentation.

MSc in Finance, Investment and Risk – University of Kent (2027)

BSc in Human Resource Management – Jomo Kenyatta University of Agriculture and Technology