Theo has 19 years of Banking experience, with exposure in Financial and Management Accounts, Bank operations and Corporate and investments Banking. He is currently the Head of Transactional Banking for Absa Bank PLC and previously held the role of Lead Data and Analytics for Corporate and Investment Banking Africa excluding South Africa. Theo has contributed significantly to the automation of Business Intelligence and analytics for Absa African businesses. His current role at Absa Zambia includes growing the transactional banking business whilst driving digital payments services. He has also been instrumental in developing digital financial services innovation that has contributed to the significant advancements in financial inclusion in the market. Theo’s experience extends to developing a strong risk management culture by formulating and setting up a strong enterprise risk framework with robust monitoring metrics. Theo is a Chartered Accountant, a member of the Chartered Institute of Management Accounts (CIMA) and holds the designation of ACMA and CGMA.