Vic-Susan has over 12 years’ experience in Marketing and Client Relations from leading financial institutions in Ghana. She previously worked in investment consultancy and management, as Manager, Monitoring and Client Relations. Over the years, she has distinguished herself as a prolific leader, spearheaded her teams to meet set targets and exhibited a high sense of resilience in developing business, adopting versatile and proactive approach to handling issues, while providing cutting edge solutions. She also worked at Barclays Bank Ghana Limited and was a driving force in the sales team, where she built, nurtured and managed not only her clients’ accounts, but also oversaw over 28 lead generators.
Prior to this, she traded on the interbank market and provided investment advice to clients as a Corporate Dealer/ Clients Relations Officer at Securities Discount Company Limited (now known as SDC Finance and Leasing Company Limited). She also managed the liability portfolio books of the company.
Vic-Susan holds a Post Graduate Diploma in Business Administration from Ghana Institute of Management and Public Administration, a Bachelor of Education (Social Science) in Economics and Management from the University of Cape Coast and an Executive MBA from the University Of Ghana Business School.

Charles Emiola is responsible for the shared services functions of UMB Capital, comprising Human Resource Management, Information Technology, Marketing, Finance, Legal, and Compliance. He heads a shared service centre, which is a consolidation of the business operations that provide professional services to its Clients.

Prior to this role, Charles worked with Stanbic Bank Ghana Limited for about 14 years in various positions in Corporate Banking, Credit Risk Management and Business Support. Most recently, he was responsible for managing the bank’s distressed assets; here he headed up the Corporate Recovery team and demonstrated leadership expertise in debt restructuring, turnaround, risk management and cost control.

Charles also has experience in the mining industry having worked as Project Engineer for Taywood Mining for about 2 years, before moving to the banking industry.

He has a First Class Honours degree in Mining Engineering from the Kwame Nkrumah University of Science & Technology and an MBA from the University of Buckingham in the UK.

Emerald is the Head of Internal Audit at UMB Capital Ltd. Prior to joining UMB Capital Ltd, she worked with PKF Chartered Accountants & Business Advisers (Ghana) for eleven years in varied capacities culminating in her role as the Assurance and Audit Junior Manager.
She is a goal oriented, excellent team player, extremely analytical, a repository of strategic and innovative ideas. Emerald handled and reported on various donor funded project including USAID, DANIDA &DFID projects.
She is a member of the Institute of Chartered Accountants (ICA) Ghana and Association of Chartered Certified Accountants (ACCA) – UK. She has in addition, an MBA in Accounting and Finance from the University of Professional Studies – Accra.

Nana Ama Pokuaa Ayiku is an experienced Human Resource Management practitioner with over ten years’ post-qualification experience in Human Resource Management. She has held several senior positions of HR in various industries such as Technology, Real Estate and Pharmaceutical.
She has also consulted for companies like Breakthrough Consult and Tano Consult where she offered bespoke HR solutions to the clients of these companies. She was the first HR Manager, General Manager and HR Director at TXT GHANA Ltd (GROUP) and was responsible for the setting up of all the HR systems, strategies, policies, procedures, and programs during a period of rapid expansion of the company.
As a passionate HR professional, she endeavours to deliver high morale and motivation of staff, ensures the right competencies and attitudes of employees towards work is right and strives for a high- performance culture for the benefit of all stakeholders. Nana Ama is passionate about singing and is also a Wellness Coach. She is married with two daughters.

Nelson Cudjoe Kuagbedzi is the Head of Finance and Accounts at UMB Capital Ltd and also oversees the Finance and Accounting functions of the affiliated companies. Before joining UMB Capital, Nelson worked with Jins Savings and Loans as Head of Finance and Investment and SIC Brokerage as an Investment Analyst and Business Development Officer in charge of the Francophone Capital Markets (BRVM and BVMAC). He also worked with Resitech Ghana Limited as a Finance officer.
Nelson is a Chartered Accountant and a Chartered Tax Practitioner. He is a member of the Institute of Chartered Accountants Ghana (ICAG) and the Chartered Institute of Taxation Ghana (CITG). He holds Bachelor of Science degree in Finance from the Mouloud Mammeri University in Algeria and an MPhil in Corporate Finance from the same University.
He also has an MBA in Financial Management from the Ecole Supérieure de Gestion (MBA ESG) in Paris, France. He has an Executive Certificate in Pensions Management from the African University College of Communication Studies (AUCC) in Accra as well as the Ghana Stock Exchange (GSE) Securities industry Certificate.
Nelson is also a Teacher by Profession and holds a Diploma in Education from the University of Cape Coast. He taught in GES for 3 years.
Nelson is trained and certificated in Leadership, Performance and Organizational Management. He was the former President of Teacher Trainee’s Association of Ghana-Volta Sector, Former President of NUGS-Algeria and also the Former President of Pan African Student Movement in Tizi-Ouzo-Algeria.