SAINEY S D FATTY

Digital Banking Strategy & Transformation

• Lead the design, development, and implementation of the bank’s digital banking roadmap.
• Drive innovation through the adoption of emerging financial technologies (fintech).
• Ensure alignment of digital initiatives with overall business strategy and regulatory requirements.

2. Platform & Systems Management

• Oversee the administration and maintenance of core banking systems and digital channels (internet banking, mobile banking, USSD, POS, ATM, etc.).
• Ensure 24/7 uptime, reliability, and performance of all digital platforms and services.
• Manage relationships with third-party vendors and technology partners.

3. Cybersecurity & Risk Management

• Coordinate digital risk assessments, cyber threat prevention, and data protection efforts.
• Ensure compliance with cybersecurity frameworks and Central Bank regulations.
• Lead incident response and disaster recovery planning for digital systems.

4. Innovation & Customer Experience

• Champion customer-centric digital solutions that improve service delivery and engagement.
• Monitor usage patterns and customer feedback to enhance digital service design and accessibility.
• Implement UI/UX improvements across platforms to maximize user adoption and satisfaction.

6. Project Management & Implementation

• Lead cross-functional project teams for new digital product launches and upgrades.
• Develop timelines, budgets, and KPIs for each digital project.
• Ensure timely delivery and post-implementation reviews.

7. System Support & User Training

• Manage a support team responsible for troubleshooting and resolving IBIS system-related issues.
• Provide training to internal staff on system usage, updates, and security best practices.
• Maintain user access controls and change management logs in IBIS.

8. Strategic Partnerships

• Explore and implement partnerships with fintechs, telcos, and payment gateways.
• Negotiate service level agreements (SLAs) and monitor partner performance.

9. Data Analytics & Reporting

• Utilize analytics tools to track transaction volumes, channel performance, and service bottlenecks.
• Produce executive reports for management on digital KPIs and growth trends.

10. Leadership & Talent Development

• Build and manage a high-performing digital banking and IT support team.
• Conduct performance appraisals, mentoring, and capacity-building programs for staff.

SSD Global Solutions – Core Activities and Services

SSD Global Solutions is a dynamic financial consultancy firm committed to enhancing institutional efficiency, financial integrity, and sustainable business growth. Our range of professional services includes:

SSD Global Solutions is dedicated to delivering value-driven advisory and support services to private businesses, NGOs, and public institutions in The Gambia and beyond.

1. Strategic Leadership: Demonstrated success in developing and implementing strategic plans to streamline operations and enhance branch network performance.

2. Regulatory Compliance: Deep understanding of regulatory requirements governing banking operations, ensuring full compliance and risk mitigation.

3. Operational Excellence: Proficient in optimizing processes, reducing costs, and improving productivity across central operations and branch functions. Introduced process improvements resulting in cost savings and increased customer satisfaction.

4. Team Development: Skilled in building and leading cross-functional teams, fostering a culture of collaboration, and mentoring staff to achieve peak performance.

5. Customer Focus: Committed to delivering exceptional customer experiences, driving customer satisfaction, and strengthening relationships.

6. Training Branch Staff: Provide training for branch staff to equip them with the current or contemporary operational issues in the banking industry.

7. Vault Management: Diligently monitor branch vaults' insurance limits and safety measures to ensure the protection of valuable assets and minimizing risks associated with vault operations within the organization.

8. Operational Efficiency: Collaborated with senior management to drive operational excellence and achieve organizational goals.

9. Supervision: Processing of incoming and outgoing SWIFT messages, ensuring timely and accurate execution of financial transactions.

10. Implement controls and monitoring mechanisms: To detect and prevent unauthorized or fraudulent activities related to SWIFT transactions.

11. Lead projects: related to SWIFT system improvements and integration with other banking systems. Ensure compliance with SWIFT security controls, standards, and guidelines to mitigate operational and security risks.

12. Regulatory Standard: Stay abreast of regulatory requirements and industry best practices related to SWIFT messaging and payment systems.

13. Collaborate: With internal stakeholders (e.g., Compliance, Treasury, IT Security) and external partners (e.g., correspondent banks, regulatory bodies) to address SWIFT-related requirements and challenges. Represent the organization in industry forums and working groups focused on SWIFT standards and practices.

Data Analysis and Reporting

1. Project Coordination and Support

• Assist in developing project plans, timelines, and milestones with the Project Manager.
• Coordinate tasks across teams and stakeholders.
• Support daily project management activities and act as backup to the Project Manager.

2. Resource Management

• Help manage human resources, budgets, and procurement.
• Monitor resource utilization and optimize efficiency.

3. Progress Tracking and Reporting

• Track project progress against timelines and deliverables.
• Prepare status reports, updates, and presentations for stakeholders.

4. Financial Reconciliation Oversight

• Develop and implement reconciliation workflows for trade and payment transactions.
• Oversee account reconciliation, ensuring data accuracy and completeness.

5. Issue Resolution and Compliance

• Investigate and resolve complex reconciliation issues.
• Ensure compliance with regulatory and audit standards.
• Support audits with required documentation and explanations.

6. Data Analysis and Reporting

• Analyze reconciliation data for discrepancies or irregularities.
• Prepare reports and recommendations for management decision-making.

1. Customer Service and Relationship Management

• Provide excellent customer service by addressing inquiries, concerns, and complaints.
• Build and maintain strong customer relationships to promote satisfaction and loyalty.

2. Branch Operations and Compliance

• Oversee daily branch activities including opening/closing procedures, cash handling, and security.
• Ensure compliance with all banking regulations, internal policies, and procedures.
• Conduct regular audits to maintain governance and risk management standards.

3. Performance Monitoring and Reporting

• Track branch performance metrics like customer satisfaction, sales targets, and operational efficiency.
• Prepare and submit branch activity and financial performance reports to senior management.

4. Risk Management and Compliance

• Ensure adherence to risk management practices and AML (anti-money laundering) policies.
• Monitor transactions for fraud and regulatory compliance.

5. Financial Management

• Manage branch budgets, monitor expenses, and ensure financial sustainability.
• Identify cost-saving opportunities and optimize resource allocation.

6. Staff Management and Development

• Recruit, train, supervise, and evaluate branch staff.
• Foster a positive work culture and support professional development of team members.

7. Decision Making and Problem Resolution

• Make informed decisions on customer transactions including loans and account openings.
• Address and resolve operational challenges promptly.

1. Leadership and Operational Support

• Serve as backup for Branch Managers, assuming full leadership and decision-making responsibilities in their absence.
• Assist with daily branch operations including cash management, transaction processing, and compliance.

2. Customer Service and Community Engagement

• Support delivery of excellent customer service and help resolve customer issues.
• Represent the bank in the community and engage in networking and outreach to promote services.

3. Staff Support and Development

• Assist in organizing staff training and development initiatives.
• Promote continuous learning within the branch team.

4. Compliance and Financial Oversight

• Ensure compliance with banking policies and regulatory requirements.
• Support budget management and identify cost-saving and efficiency opportunities.

5. Cash Handling and Processing

• Accurately receive, verify, and process large cash deposits and withdrawals.
• Count and organize currency using machines and manual methods per bank procedures.

6. Vault and Cash Inventory Management

• Maintain and manage the branch vault and cash inventory.
• Ensure sufficient cash availability for branch operations.

7. Reconciliation and Reporting

• Balance cash drawers and reconcile transactions with system records.
• Prepare daily cash transaction reports for management.

8. Security and Compliance

• Adhere to all cash handling protocols and security standards.
• Comply with anti-money laundering (AML) and other regulatory guidelines.

9. Logistics Coordination

• Prepare and coordinate secure cash deliveries and pickups.
• Liaise with armored car services and logistics providers.

1. High-Value Cash Processing
Receive, verify, and process large-volume cash deposits and withdrawals from commercial clients or internal accounts.

2. Vault Management
Maintain, replenish, and balance the branch vault or bulk cash safe as per policy and security procedures.

3. Cash Sorting & Verification
Sort and verify large denominations using counting machines and manual methods, ensuring authenticity and accuracy.

4. Customer Transactions
Process deposits, withdrawals, transfers, and cheque encashment accurately and efficiently.

5. Customer Service
Assist customers with inquiries, resolve minor issues, and provide information on bank products and services.

6. Cash Handling
Maintain accurate cash drawer balances, verify currency, and follow daily cash limits.

7. Record Keeping & Compliance
Ensure transactions are properly documented and comply with bank policies and regulatory requirements (e.g., KYC/AML).

8. Cross-Selling Services
Identify customer needs and refer or promote relevant bank products and services to enhance customer relationships.