Justin Michelo

Operations and finance leader with 15+ years in banking and treasury management. Proven expertise in P&L ownership, process optimization, and cross-functional team leadership across multiple financial institutions. Strong track record of driving operational efficiency, regulatory compliance, and stakeholder management in complex, high-volume environments.

Seeking to leverage banking operations experience and strategic leadership capabilities to build and scale marketing agency operations in emerging markets.

Head Banking & Treasury Operations at Zambia National Building Society (2013-01 – Present)

• Led banking operations for 20+ ATM terminals across national network; owned full P&L responsibility including budget planning, expenditure controls, and variance analysis.

Acting Assistant Manager HO Operations at Zambia National Commercial Bank Plc (2011-01 – 2013-12)

• Ensuring timely settlement of all Visa related transactions issued
• Ensuring daily scrutiny of VSS reports in order to ensure timely detection of charge-backs
• Ensuring that the ZIPZAP transactions are posted through EDIT Package to ensure settlement is received
• Ensuring reconciliations of Point of Sale (POS) transactions and ATM transactions on a daily basis
• Ensuring preparation of maturity ladder for both short term and long term horizons with counter-party banks
• Ensuring deal confirmation is executed timely to avoid potential risks associated with late settlement
• Staff supervision
• Unit budget preparation

Senior Officer Visa Settlement at Zambia National Commercial Bank Plc (2009-01 – 2011-12)

• Ensuring posting of ZIPZAP transactions for settlement claim purposes
• Ensuring reconciliation of Point of Sale (POS) transactions
• Ensuring daily reconciliation of ATM transactions
• Ensuring preparation of Bank of Zambia reports
• Contact person for Visa through whom they could address issues on visa transactions issues
• Staff supervision
• Preparation of Bank of Zambia Funds Position report

Trade Finance Officer at Zambia National Bank Plc (2005-01 – 2009-12)

• Structuring of foreign denominated bank guarantees
• Establishment of outwards letters of credit
• Receiving and processing of inward letters of credit
• Letters of credit confirmations
• Handling of amendments to letters of credits (LC amends) requested by applicants
• Preparation of maturity ladder for Usance letters of credit
• Preparation of drawing entries for letters of credit attaining maturity

Officer Front Office at Zambia National Commercial Bank Plc (2002-01 – 2009-12)

• Striking of foreign exchange deals with counter-party banks within authorized limits
• Confirmation of foreign exchange deals with counter-party banks
• Initiating deals for foreign placements
• Passing of deals maturity entries on a timely basis
• Initiating deals for local placements
• Preparation of maturity ladders for local placements and foreign placements

Bank Clerk at Zambia National Commercial Bank Plc (1999-01 – 2002-12)

• Handling of Clean Bills Negotiated (CBNs)
• Handling of foreign Collection in USD, ZAR and other currencies
• Sending and dispatching of the CBNs and cheques to collecting banks using DHL
• Reconciliation of CBNs and Collections i.e Nostro accounts
• Data entry operator into the banking system (Flexcube)
• Systems administrator for the department

Master of Science in Economics – Copperbelt University (2023-01 – 2025-12)

MBA in Finance – Assam Don Bosco University (2013-01 – 2016-12)

Bachelor of Art in Economics – University of Lusaka (2016-01 – 2019-12)

Professional Diploma in Banking & Finance – ZCAS (2010-01 – 2011-12)

Diploma in Banking & Finance – ZCAS (2010-01 – 2011-12)