Overview
Work History
Timeline
Generic

Macarr Borlay Kardar

Overview

16
16
years of professional experience

Work History

Branch Manager

Sapelle International Bank Liberia Limited
Redlight
04.2024 - Current
  • Manage and supervised the day to day operations of the bank and be responsible for all that happens at the branch
  • Prepare weekly, month and quarterly returns of the branch and submit to the Operations Manager
  • Supervise the balancing of the ledger at the branch
  • Manage the liquidity of the branch
  • Meet financial and operational targets set for the branch
  • Ensure customer satisfaction at all times
  • Manage employee performance, teamwork, motivation and discipline
  • Monitor branch efficiency and profitability

Remittance Manager

Sapelle International Bank Liberia Limited
05.2023 - 04.2024
  • Manage and supervise the day to day activities of the Remittance Department of the bank
  • Ensure reconciliation of all remittance activities are done daily
  • Meet financial and operational targets
  • Assist in the marketing of the bank's remittance products (MoneyGram, RIA and western union services)
  • Ensure customer satisfaction at all times

Branch Manager

Sapelle International Bank Liberia Limited
Duala
04.2022 - 05.2023
  • Manage and supervised the day to day operations of the bank and be responsible for all that happens at the branch
  • Prepare weekly, month and quarterly returns of the branch and submit to the Operations Manager
  • Supervise the balancing of the ledger at the branch
  • Manage the liquidity of the branch
  • Meet financial and operational targets set for the branch
  • Ensure customer satisfaction at all times
  • Manage employee performance, teamwork, motivation and discipline
  • Monitor branch efficiency and profitability

Treasury Manager

Sapelle International Bank Liberia Limited
01.2021 - 03.2022
  • Liquidity Management using the following methodologies:
  • Financial Gap Method
  • Regulatory Reserve Requirement
  • Net Liquidity Statement
  • Liquidity Maturity Ladder
  • Position Analysis
  • Liquidity Ratios
  • Ensure that the bank can service its debt by prudent management of interest expense and adherence to financial covenants
  • Manage foreign exchange and interest rate risk
  • Managing off-shore cash (corresponding banks) and on-shore accounts (Head Office, Branches, Central Bank and holdings at other banks)
  • Ensure the effective and efficient management of its Assets and Liabilities
  • Credit to Deposit Ratio
  • Maximum concentration levels for deposit and credits
  • Supervision of the clearing and settlement activities

Head of Retail Operations

AccessBank Liberia
02.2020 - 12.2020
  • Backoffice Management:
  • Ensure that the execution of internal, national and international payment instructions, clearing of ABL cheques and checks from others banks, monitoring transactions services, and other payment related activities on a day-to-day basis are done in manner consistent with the internal rules and regulations of the Bank;
  • Ensure that Back Office manager discharge his/her duties strictly in accordance with laid down internal policy and rules and regulations
  • Ensure that Back Office activities are well documented and properly filed and kept in safe keeping for easily retrieval
  • Ensure that risks associated with day-to-day banking operation activities are appropriately managed and mitigated
  • Client Service:
  • Periodically reviews results of customer complaint report as it relates to activities of cashiers and other Retail Operations staff and take corrective measures as much as possible;
  • Work with Marketing department to institute measures to provide solutions to customer complaints in consultation with the appropriate managers, departments or staff, to sustain general service quality at the branches;
  • Keep abreast with (changes in) institutional service standards and procedures for effective communication with Branch retail staff;
  • Ensure that Branch operational workflow, structure and setup support good customer orientation;
  • Collaborate with relevant departments to meet customer needs when necessary
  • Maintain good professional relations with key accounts and bulk cash providers
  • Liquidity, Cash and Investment Management:
  • Ensuring adequate funding to meet obligations in the short and medium term
  • Initiate CIT and inter-branch cash transfers in line with limits and strategy
  • Investment of excess funds in liaison with management and in compliance with the ALM Policy/ Internal guidelines
  • Co-ordination of refinancing activities with the CFO
  • Funding and Financing:
  • Pricing of FX, MM and FI transactions within limit
  • Work with banking services in the mobilization of treasury liabilities
  • Maintaining the external funders schedule in liaison with the CFO, COO and CEO in order to meet new drawdowns and settle maturities
  • Building a funding pipeline in liaison with CFO
  • Establish and advise management on the long term funding requirements of the institution
  • ALM and Risk Management:
  • The daily setting and review of branch FX pricing through a price sheet
  • FX exposure management and profitably closing off retail FX positions on a daily basis
  • Interest rate exposure management and overall margin management of the Bank
  • Pricing of Forex and Money Market transactions
  • Ensure compliance with liquidity and interest rate GAPs
  • Staff management and capacity building:
  • Ensure that recruited/confirmed staff has the right attitude, skills and knowledge to perform their duties
  • Hold regular meetings with staff to update them on institutional developments
  • Create a platform for experience sharing and team building among Retail staff
  • Sustain staff motivation
  • Give regular and timely feedback to staff on attitude, skills and knowledge in relation to their work
  • Take timely and appropriate disciplinary measures in accordance with the HR manual
  • Carry out regular staff evaluation according to the HR policy
  • Coach and develop staff capacity to perform their roles well
  • Properly plan and manage the target and incentive to ensure improved productivity among Retail staff;
  • Plan and coordinate the Monthly Performance Review for Retail Operation staff (Back Office Staff, Treasury Staff, Cashier Compliance Staff etc);
  • Execute other tasks and responsibilities as may be assigned by your supervisor

Head of Treasury

Access Bank Liberia
06.2016 - 01.2020
  • Liquidity, Cash and Investment Management:
  • Ensuring adequate funding to meet obligations in the short and medium term
  • Initiate CIT and inter-branch cash transfers in line with limits and strategy
  • Investment of excess funds in liaison with management and in compliance with the AML Policy/ Internal guidelines
  • Co-ordination of refinancing activities with the CFO
  • Funding and Financing:
  • Work with banking services in the mobilization of treasury liabilities
  • Maintaining the external funders schedule in liaison with the CFO and CEO in order to meet new draw downs and settle maturities
  • Building a funding pipeline in liaison with CFO
  • Establish and advise management on the long term funding requirements of the institution
  • AML and Risk Management:
  • The daily setting and review of branch FX pricing through a price sheet
  • FX exposure management and profitably closing off retail FX positions on a daily basis
  • Interest rate exposure management and overall margin management of the Bank
  • Pricing of Forex and Money Market transactions
  • Ensure compliance with liquidity and interest rate GAPs
  • Statutory Reporting and Compliance:
  • Ensure compliance with CBL and internal risk management limits as per AML policy/ Internal guidelines
  • Ensure compliance with external funder covenants
  • Reporting and Presentations:
  • Monthly reporting to MB
  • Quarterly reporting to MB
  • Other reports and presentations required by the Management Board
  • Producing the ALCO report
  • Participating in the monthly ALCO meeting
  • Ensuring the proper documentation of all contractual treasury transactions
  • Annual review and update of procedures
  • Introducing and implementing controls

Head of Payment System

Access Bank Liberia
01.2015 - 05.2016
  • Supervise back office staff (five staffs)
  • Prepare monthly report for Top Management
  • Formulate memorandum and review procedure when needed
  • Manage all payment system projects
  • Supervise new entrant training and assist with branch level organization

Senior Banking Service Officer

Access Bank Liberia
01.2012 - 12.2014
  • Monthly MIS report for Management Team
  • Weekly deposit update report for Management Team
  • Remittances Reconciliation
  • Payment System Report for Central Bank of Liberia
  • In charge of new entrant training and assist with branch level organization

Back Office Supervisor

Access Bank Liberia
01.2011 - 12.2011
  • Verified outgoing and incoming International Transfer Payments
  • Prepare Monthly Transfer Reconciliation of the banks's offshore accounts
  • Monitor huge transactions daily to ensure the bank is in compliance with its AML/FCT Policy
  • Verified and approve Clearing Report daily
  • Verified and approve customer check book

Back Office Specialist

Access Bank Liberia
01.2009 - 12.2010
  • Represent Access Bank at Central Bank Daily Clearing Section
  • Print and Register Customer Check books base on their request
  • Send and Receive SWIFT Transfer Messages
  • Prepare customer incoming and outgoing transfer report
  • Prepare Check Clearing Report

Timeline

Branch Manager

Sapelle International Bank Liberia Limited
04.2024 - Current

Remittance Manager

Sapelle International Bank Liberia Limited
05.2023 - 04.2024

Branch Manager

Sapelle International Bank Liberia Limited
04.2022 - 05.2023

Treasury Manager

Sapelle International Bank Liberia Limited
01.2021 - 03.2022

Head of Retail Operations

AccessBank Liberia
02.2020 - 12.2020

Head of Treasury

Access Bank Liberia
06.2016 - 01.2020

Head of Payment System

Access Bank Liberia
01.2015 - 05.2016

Senior Banking Service Officer

Access Bank Liberia
01.2012 - 12.2014

Back Office Supervisor

Access Bank Liberia
01.2011 - 12.2011

Back Office Specialist

Access Bank Liberia
01.2009 - 12.2010

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Macarr Borlay Kardar