1. ADEM, Tomtser Paul(MCIB)
52 Ajose Street, Mende-Maryland, Ikeja-Lagos; Tel: 08060972228;
Email: ademtomtser@gmail.com
ACCOUNTANT, AUDITOR, RISK/CREDIT MANAGER
Expert and proficient in analyzing financial reports and proven expertise in driving
efficiency and productivity through evaluation of financial management systems and
implementation of process and cash management strategies to the highest possible
standards of excellence, transparency and compliance with all external regulations,
accounting and financial management standards and internal policies and procedures.
Talented leader directing highly skilled financial management teams to support
achievement of overall corporate goals and objectives.
Areas of Expertise
Accounting Auditing/Internal Control Taxation
Risk Management Financial Analysis/Reporting Strategy Planning
Banking Operations. Credit Analysis.
Key Strength
• Proficiency in IFRS
• Good communication and relationship management skills
• Problem solving, analytical and strong reporting skills
• MS Office proficiency (Word, Excel and PowerPoint)
• Proficiency in the use of various accounting and banking applications
Achievements
• Provided the basis for monitoring company’s financial health through the adoption of
effective ratios and advising management accordingly.
• Increased report turnaround time through effective time management and job
scheduling skills
• Optimised returns from investments using sound information gathering, analysis and
decision making skills acquired through education and in-depth knowledge of the
business.
• Successfully managed tax positions by putting in place appropriate system for filing
returns and follow ups thereby avoiding penalties
• Successfully setup the books of accounts.
• Successfully management loan portfolio over =N=200m with a PAR of less than 5%.

2. EMPLOYMENT HISTORY
Crossover MFB Limited, Ikoyi, Lagos
Head, Internal Control and Audit 2014 – Till Date
My responsibilities include:
• Reporting to Board of Director and MD/CEO
• Ensure Policy/Procedure/Regulatory Compliance on transactions or activities
initiated.
• Provide Control and Compliance Counseling, Advisory and Decision Support
Service to the business Units (SBUs).
• Create and improve homogenous Compliance Culture that aligns with the control
and business objectives of the Bank
• Build strong KYC and KYC (B) compliance environment in the assigned business units
• Ensure integrity of the transactions and GL accounts through daily review of GL
balance reports and other relevant adhoc and standard reports
• Ensure that open items in the GL accounts are current and reflect the true nature of
the products recorded therein. Any major deviation from the standard must be
escalated following the appropriate escalation procedure
• Ensure prompt and qualitative rendition of relevant returns and reports as may be
required.
• Report on proof review and other assets ageing and provision in standard
approved format etc
• Institute and enforce aggressive Revenue Assurance and Cost reduction
Strategies/Tactics for products under your purview to ensure zero% income
leakages
• Ensure prompt resolution of all open issues in the Internal Audit Report,
Management letter, Regulatory Examiners Report and other Statutory Examiners
Report.
• Ensure capturing of all KYC documentation into all customers’ accounts in the Core
Banking Applications through the regular review of Account opening and
documentation both on the file and on the system.
• Daily Independent Call Over of all qualifying Transactions within 24 hours of posting
and where practicable online same day and as may be advised to you from time
to time.
• Daily Reconciliation of bank Correspondence accounts (Our Accounts) where
Applicable
• To ensure completeness and proper posting/funding of all cheques issued
• Review and monitoring of all e-banking related product reconciliation.
• Conduct Special Investigation as may be assigned from time to time.
• Conduct spot checks, stock taking and other functions as may be assigned from
time to time.

3. BETHESDA MICROFINANCE BANK LIMITED 2010 to 2014
Head, Internal Control & Risk Management 2013 - 2014.
19 Araromi Street, Lagos Island, Lagos
My responsibilities include:
• Reporting to Board of Director and MD/CEO
• Review of Risk Assets before booking and drawdown
• Monitoring of Risk Assets to ensure compliance with all covenants
• Carrying out routine audit, inspection & Investigation and reporting on exceptions.
• Daily call over of transaction
• Carrying spot check and cash count.
• Ensuring compliance with Bank’s operational and administrative policies.
• Reporting daily on exceptions to the MD/CEO
• Preparing internal control report on timely bases.
• Ensure up to date reconciliation and Investigation of all outstanding in reconciliation
statement.
• Preparations of other reports such as Anti Money laundering and counter terrorism.
• Assist during the external financial audit of the Bank.
Head, Banking Operations: May, 2012 to December, 2012(Six months)
My responsibilities include:
• Introduce and implement effective systems, policies, structures and resources to
support the growth of the institution and ensure adherence to the same;
• Serve as the Operations Lead for banking application system implementation,
aligning system configuration with operational processes and policies
• Develop and manage a team of well-trained, focused and motivated Banking
Services staff;
• Manage centralized loan processing and account opening functions to ensure
efficiency, quality and control over loan creation and completeness of Know Your
Customer (KYC) / Anti-Money Laundering (AML) activities;

4. • Define and implement new policies and procedures for Banking Services in support
of product development / refinement or upon introduction of new technologies and
delivery channels;
• Analyze operational risks, procedures, work flow and controls on an ongoing basis for
continual improvement of operational systems;
• Safeguard customer data and protect against fraud through management of
authorization levels and access rights;
• Develop and maintain sufficient business continuity plans to ensure service delivery
in the event of minor or major incidences & escalation of service exceptions as
needed.
Accountant 2010-2011
Chief Financial Control: 2011 to 2012
My responsibilities include:
• Budget planning and control.
• Preparing financial statements, monthly account reconciliations and supporting
schedules monthly as well as the cash position of the bank on a daily, weekly and
monthly basis
• Facilitating and completing monthly close procedures
• Analyzing fees, interest income, investment income, commissions and expenses to
ensure they are recorded appropriately on a monthly basis
• Supervising the analyzing financial statements on a monthly basis and report on
variances
• Preparing tax returns as well as CBN, NDIC and other regulatory reporting
requirements
• Assisting in documentation and monitoring of internal controls.
NEET NIGERIA LIMITED
ACCOUNTANT (SUPERVISOR) 2009 -2010
My responsibilities include:
• Preparation of profit and loss statements and cost accounting reports.
• Posting daily transactions.
• Also assist in the establishment, maintain, and coordinate the implementation of
accounting and accounting control procedures.
• Analyze and review budgets and expenditures for local, state, federal, and private
funding, contracts, and grants.

5. • Monitor and review accounting and related system, attaches duplicate copy of
checks to original invoices, stamps invoices “Paid” and files in permanent records.
• Prints, verifies and maintains accounts payable voucher reports, open/aging
reports, disbursement reports, and journals.
• Receives and answers phone calls from vendors or other departments in regard to
payment status of invoices.
• Receives and processes vendor invoices and internal check requests; maintains
open files for purchase orders, packing/receiving slips and matches to invoices.
Verifies invoices for quantity, unit pricing, extensions and applicable discounts.
Obtains approval from reports for accuracy and completeness.
NINGI MICROFINANCE BANK, NINGI, BAUCHI STATE.
ACCOUNT OFFICER (NYSC) Feb 2007 –Feb 2008
• Recording of daily transactions
• Participate in ensuring that all control accounts, and cash balances and other
subsidiary accounts are regularly updated and reconciled.
• Part of a team that ensures account compliance with both statutory and
professional regulations as regards preparation, presentation and disclosure of
company’s financial information
EDUCATION
• B.Sc. Accounting (Second Class Lower), Benue State University, Makurdi
2007
• Senior Secondary Certificate Examination, Government Secondary School, Gboko
1998
Certifications and Professional Affiliations:
• Student Member, the Institute of Chartered Accountants of Nigeria (ICAN)
• Member Chartered Institute of Banker(MCIB) ……………………………April,2016
Trainings and Course Attended
• IFRS-Fundamentals (1&2) by IFRS Partners Nigeria
• Anti- Money Laundering/Combating the financing of Terrorism(AML/CFT): By JBBG
Consult :
• Risk Management and Control in microfinance Bank By central Bank of Nigeria
(CBN)/FITC
• Convention to IFRS by Microfinance Bank, By National Association of Micro finance
bank Lagos Chapter

6. • Internal Control and Fraud prevention in Microfinance Bank. By Association of
Microfinance Banks.
• Workshop for Microfinance Bank on online rendition on monthly returns; By Central Bank
of Nigeria (CBN)
PERSONAL DETAILS
Sex: Male Marital Status: Married Nationality: Nigerian
Referees: Available on request

7. • Internal Control and Fraud prevention in Microfinance Bank. By Association of
Microfinance Banks.
• Workshop for Microfinance Bank on online rendition on monthly returns; By Central Bank
of Nigeria (CBN)
PERSONAL DETAILS
Sex: Male Marital Status: Married Nationality: Nigerian
Referees: Available on request