Jecinta Nyumu

An experienced Risk and Compliance officer with over a decade of banking experience in operational risk, internal controls, financial crime and regulatory compliance. Skilled in implementation of ERM frameworks, maintaining risk and control registers, managing regulatory obligations registers. Skilled in AML/CFT/CPF compliance, including transaction monitoring, sanctions screening, and and experienced in KYC, customer due diligence, and fraud-risk management across multiple business units.

Experienced in conducting risk assessments, executing RCSAs, coordinating audits, implementing remediation actions, and enhancing resilience through Business Continuity and Operational Resilience frameworks. Committed to embedding accountability and strong governance using data driven insights to identify and mitigate emerging risks while supporting sustainable and compliant financial practices

Business Risk and Compliance Assistant Manager - Equity Bank Limited Kenya - Kenya

(2025-07)

• Develop and implement First Line risk management strategy aligned with organizational objectives.
• Maintain risk universe, risk register, control library, KRIs, and KCIs for business functions.
• Conduct risk assessments, monitor risks against controls, and ensure regulatory compliance.
• Integrate risk management into business processes through collaboration with department heads.
• Implement audit recommendations and serve as secretary to DNFRC and member of GNFRC and GFCRC.
• Deliver risk awareness training and lead Quality Assurance and business continuity programs.
• Develop Operational Resilience strategy and manage risk management team.
• Obligations Register operationalization and update of emerging regulations

Group Assessment Officer: Compliance, Financial Crime and Conduct - Equity Group

(2023-06 - 2025-06)

• Implemented Risk Control Self-assessments on AML/CFT, KYC, and recordkeeping practices across Equity Group subsidiaries.
• Prepared timely reports on identified issues, ensure stakeholder action implementation, and track risk treatment progress.
• Supported Group AML/CFT Enterprise Risk Assessments on products, services, channels, customers, and jurisdictions.
• Created training materials and facilitate staff training sessions on compliance practices, fraud prevention, and reporting mechanisms.
• Socialized audit findings and regulatory inspection results to stakeholders and ensure timely resolution of open items.
• Embedded financial crime monitoring and reporting mechanisms within risk governance
• Developed and maintained Regulatory Obligation Risk Register with quality assurance for obligations mapping and gap analysis.

Senior Compliance Analyst - Equity Bank Ltd

(2022-06 - 2023-05)

• Conducted transaction monitoring investigations, and prepared Suspicious Activity Reports (SARs) for escalation and regulatory reporting.
• Conducted customer due diligence and enhanced due diligence review giving recommendation and risk mitigation action based on identified risk indicators.
• Performed sanctions, PEP, and adverse screening reviews to identify potential matches and compliance concerns.
• Supported regulatory examinations and audits by providing required information, documentation, and evidentiary support.
• Facilitated staff training on compliance policies, risk management, fraud prevention & reporting mechanisms, ensuring awareness of requirements & updates.

Senior Digital Accountant: Reconciliations Department - Equity Bank Ltd

(2021-05 - 2022-06)

• Executed bank general ledger reconciliations, identified and resolved discrepancies, and ensured accurate journal entries.
• Implemented open item aging assessment process and targeted follow-up actions for prompt closure.
• Compiled weekly, monthly, and annual reports for management and stakeholders.
• Conducted risk control self-evaluations and implemented enforcement mechanisms for
• Collaborated with development team to automate reconciliation processes

Senior Officer: Internal Controls Department - Equity Bank Ltd

(2011-01 - 2021-01)

• Developed and enforced internal control policies meeting regulatory requirements and monitored compliance to prevent fraud.
• Conducted risk assessments to identify vulnerabilities and continuously monitored control environment effectiveness.
• Drafted reports and recommended corrective actions including strategic recommendations, operational improvements, and compliance updates.
• Facilitated collaboration with internal/external auditors and compliance team to ensure timely information access.
• Developed risk mitigation strategies, enforced policies and procedures, and trained branch personnel to enhance operational efficiency.
• Maintained awareness of industry developments to identify emerging control measures and ensure process alignment.

Accountant: Clearing Operations - Equity Bank Ltd

(2009-01 - 2010-11)

• Ensured implementation of fraud and compliance controls.
• Conducted reviews of cheques, general ledger entries to ensure accuracy and completeness.
• Participated in preparation of annual budgets and periodic budget reviews.
• Supported internal, external, and compliance audit processes.

Branch Officer - Equity Bank Ltd

(2007-08 - 2008-12)

• Ensured effective customer due diligence and effectiveness of bank policies and procedures.
• Trained staff in bank policies and procedures.
• Coordinated with internal audit and compliance personnel to execute scheduled audits and compliance reviews.
• Maintained internal financial controls aligned with Generally Accepted Accounting Principles (GAAP).
• Report on operating income and expenses against budgets and forecasted trends.

Teller - Equity Bank Ltd

(2006-07 - 2007-07)

Assistant Administrator - Faulu Kenya Ltd

(2002-08 - 2006-05)

Intern - Telkom Kenya Ltd

(2001-06 - 2001-12)

ACAMS - Certified Anti-Money Laundering Specialist - Anti-Money Laundering - Pinnacle Business School (2026)

CPA - K - Accounts - KASNEB (2012)

Bachelor of Business Administration and Management - Finance - St. Paul's University (2012)

Diploma Business Management - Business Management - Kenya Institute of Management (2010)

A+: Technical - Technical - Computer ways College (2004)

Higher Diploma: Management Information Systems - Management Information Systems - Kenya School of Professional Studies (2001)

O-Levels - Karoti Girls High School (1996)