### About Globus

History

Corporate Philosophy & Governance

People

Compliance Statement

Careers

Globus Bank is a commercial bank with National Authorization. Registered as a limited liability company on March 6, 2019, licensed by the Central Bank of Nigeria on July 10, 2019 and commenced operations on November 6, 2019, the Bank aims to be Nigeria's foremost digital Bank, providing best-in-class solutions that are specifically tailored towards meeting customer needs in a timely and efficient manner.

At Globus Bank, we are focused on revolutionizing the Financial Services Industry by leveraging Technology and People to deliver exceptional customer experience. We have a workforce of seasoned professionals, as well as visionary leadership and expertise needed to positively alter the industry service equilibrium.

Our corporate Head office is located at Plot 722 Akinbo Savage, Victoria Island, Lagos State. The Bank currently operates out of 16 physical and strategic locations in Nigeria and aims to cover every major city in the country within the shortest time possible.

This strategic combination of brick and mortar with best-in-class technology explains the bank’s “Phygital” strategy.

We look forward to being your best provider of banking experience.

##### Our Vision

To be the preferred financial services provider delivering endearing customer experience.

##### Our Mission

To serve our customers with passion and deliver superior value to all stakeholders leveraging technology and people in the most efficient and responsible manner.

# Our Core Values

CREATIVITY

- Deep thinker, never satisfied with the status quo

- Imaginative and ingenious

- Quest to reinvest self, processes, and procedures

- Smart, original and innovative

- Perpetually seeking optimality and efficiency

EXCELLENCE

- Confident pursuit of best standards

- Value oriented and performance-driven

- Ethical and reputationally minded

- A consummate professional, always seeking to be outstanding

RESPECT

- Maintain self-dignity by doing the right thing always

- Avoid gossip, use of abusive or derogatory terminologies

- Respect customers, regulators and constituted authorities

- Listen well, take ownership, responsible and slow to anger

RELIABILITY

- Trustworthy, honest, and accountable

- Dependable, loyal, and sincere

- Transparent and consistent

- Humble and compassionate

- Our word is our bond

SIMPLICITY

- Never ending quest for understanding and sapience

- Leveraging understanding to make life easier for all

- A discerning mind, skillful, rigorous, and competent

- Constantly reviewing relationships and processes for improvements

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##### Corporate Governance

At Globus Bank, good corporate governance is at the core of our being. This is key to our development, as it enhances the confidence placed in our Bank by our Regulators, Customers, Employees, Business Partners, Shareholders and the financial markets in which we operate. We maintain an exemplary culture of good corporate governance practices through the Globus Way, enshrined in our core values of Creativity, Excellence, Respect, Reliability and Simplicity .

Our core values are fundamental to our corporate existence and are reflected daily in the conduct of the Bank's business.

Board of Directors

###### Peter AMANGBO

Chairman, Board of Directors

Peter is the former Managing Director/CEO of Zenith Bank Plc and has over twenty-seven years of banking experience spanning various departments – Corporate Finance and Investment Banking, Business Development, Credit and Marketing, Treasury, Financial Control, Strategic Planning and Operations. He was also a pioneer non-Executive Director of Zenith Bank UK.

Before joining the banking industry, he was a senior consultant with PricewaterhouseCoopers (PWC) where he covered assignments in financial services, manufacturing, and general commerce.

He holds a Bachelor of Engineering degree in Electrical and Electronics Engineering from the University of Benin and an MBA from the Warwick School of Business. He is an alumnus of INSEAD, Harvard Business School and a fellow of the Institute of Chartered Accountants of Nigeria.

###### Elias IGBINAKENZUA

Managing Director / CEO

Elias is the Managing Director/Chief Executive Officer of Globus Bank. He has been in the banking industry for over two and half decades including twelve years as an Executive Director in two tier one banks, namely Zenith Bank Plc (8 years) and Access Bank Plc (4 years), with emphasis on Corporate, Commercial and Investment Banking.

Elias trained in PricewaterhouseCoopers between 1989 and 1993 where he qualified as a Chartered Accountant and became a Fellow of The Institute of Chartered Accountants of Nigeria (ICAN).

Elias holds a B.Sc degree in Accounting from University of Benin, Nigeria and an M.Sc Corporate Finance from University of Liverpool, UK, and an MBA from Enugu State University of Technology.

He has attended several professional development programmes in Insead Fontainebleau; IMD, Lausanne; Harvard Business School, Boston; Wharton Business School, Philadelphia.

###### Augustine OKERE

Non-Executive Director

Augustine is the founder of Computer Warehouse Group. He holds a Bachelor of Science degree in Computer Science from the University of Lagos and an Executive MBA from the International Graduate School of Management (IESE) Spain, and has over thirty (30) years industry experience covering roles in Visioning & Strategy, Relationship Management, Leadership Training, Corporate Management, Sales and Marketing and Systems Analysis.

Mr. Okere is a member of the board of the Governing Council of the Institute of Directors of Nigeria, Advisory Board of Global Business School Network Washington, Global Agenda Council World Economic Forum.

###### Vincent OKEKE

Non-Executive Director

Vincent holds a Bachelor of Engineering degree in Chemical Engineering from Enugu State University of Science & Technology (1987), Master’s degrees in Finance and Chemical Engineering from the University of Lagos (1997 and 1998 respectively), and a Doctor of Philosophy in Management from Walden University USA

He started his career in Mobil Producing Nigeria Unlimited in 1987 and worked in several places including Pricewaterhouse Coopers, Shell Petroleum Development Company of Nigeria, Shell Markets Middle East, and West African Ventures/Sea Trucks Group. Vincent is a registered Engineer and a Fellow of the Institute of Chartered Accountants of Nigeria.

###### Olayide ABEL

Non-Executive Director

Olayide holds a Bachelor of Science degree in Accounting and Finance from the University of Ilorin (1985). She has over seventeen (17) years banking experience working with Guaranty Trust Bank Plc (1992), UBA Plc (1998) and Intercontinental Bank Plc in 2009 where she rose to the level of General Manager, and audit experience from PriceWaterhouseCoopers (1990).

She is a Fellow of the Institute of Chartered Accountants of Nigeria and an alumnus of the Lagos Business School (LBS), IMD Lausanne, INSEAD France and Cranfield UK

###### Gabriel OGBECHIE

Non-Executive Director

Gabriel is the founder and the Group Managing Director of Rainoil Limited. He has over thirty (30) years of cognate experience in the Nigerian Oil and Gas Industry.

He started his career as a factory engineer between 1989 and 1991 and subsequently joined PricewaterhouseCoopers (PwC). He founded Rainoil Limited in 1997 and has guided the company from a modest beginning to a company with operations across the downstream value chain. He is a graduate of Production Engineering from the University of Benin and a pioneer member of the Lagos Business School Owner Manager Programme 2002. He also holds an Honorary Degree in Technology Management from Novena University, Delta State.

###### Samuel ONYISHI (MON)

Non-Executive Director

Samuel is the Chairman of the Peace Group, which comprises of Peace Mass Transit Limited, Peace Petroleum Limited, etc.

He holds a Bachelor’s degree in Social Works and Community Development from the University of Nigeria, Nsukka, and an MBA In Entrepreneurship from the Institute for Transformative Thought and Learning in the Doctoral Research of the University of Arizona, Phoenix USA. He is a philanthropist and has won many awards and honours including an honorary Doctor of Business Administration from the Enugu State University of Science and Technology. He is also a recipient of the prestigious national honour of Member of the Order of the Niger (MON).

###### Isioma EZI-ASHI

Non-Executive Director

Isioma is a seasoned entrepreneur. He holds a Bachelor of Arts degree in History from the University of Nigeria, Nsukka (1983) and an LLB from the University of Nigeria, Nsukka (1990).

He is the Founder/Chief Executive of TIE International Nigeria Limited (1985), GETTIT Nigeria Limited/KCC U.K (1995) and Sermatech Nigeria Limited, a leading engineering and business consortium.

###### Sunday ILEGAR

Executive Director

Mr. Sunday Ilegar brings to the board over 30 years of banking experience. Prior to joining Globus Bank, he worked in Zenith Bank for more than 24 years; from 1997 to 2021. He started his banking career at All States Trust Bank where he worked for 7 years, from 1991 to 1997 before joining Zenith Bank.

While working in Zenith Bank, he held several management positions. He was General Manager/Group Zonal Head in charge of Rivers/Bayelsa Zone from 2016 to 2021. Chief Inspector of Zenith Bank Group from 2015 to 2016. While serving as Chief Inspector, he also headed the bank’s Disciplinary Committee, Information and Technology Committee, and was a member of other strategic committees of the bank. He also held senior management positions in the bank across sectors and zones including the South-South, and South-East Regions. He also played a key role when Zenith Bank changed its banking software in 1999 and won a special award.

Mr Sunday Ilegar during his service at Zenith Bank was recognised for his dedication, commitment, and exemplary leadership with several awards. They include but are not limited to: Most outstanding Leader Award; Exceptional Leadership Award in the Eastern Zone; Outstanding Performance Leadership Award in the Eastern Zone.

He is a fellow of the Institute of Chartered Accountants of Nigeria (FCA), an Honorary Senior Member of the Chartered Institute of Bankers of Nigeria (HCIB), and an Associate member of the Chartered Institute of Taxation of Nigeria (ACIT). He holds a Master’s in Business Administration from Ambrose Alli University and is a graduate of Accounting from Yaba College of Technology.

He has attended both local and international leadership and Advanced Management courses at Lagos Business School, London Business School, and Harvard Business School.
He is married to Stacy Ilegar and blessed with four children.

###### Sani YAHAYA

Executive Director

Dr. Sani Yahaya is an astute professional with over 25 years’ experience in the banking sector spanning across general banking operations, business development, credit analysis, administration and monitoring, and marketing. His commitment to excellence and outstanding performance culminated in him receiving multiple awards from Zenith Bank where he rose to become the Deputy General Manager as Zonal head, Northwest.

He is a Fellow of the Chartered Association of Certified Accountants (FCCA), a Fellow of the Nigeria Institute of Management (NIM), a Fellow of the Institute of Management and Leadership (USA), a Fellow of the Chartered Institute of Loan and Risk Management, a Fellow of the Institute of Management Consultants, a Fellow of the Institute of Industrialist and Corporate Administrators, a Fellow of the Chartered Institute of Finance and Control, an Honorary member of the Chartered Institute of Bankers of Nigeria (CIBN) and several other organizations.

Dr. Sani Yahaya has a Doctorate degree (PhD) in Environmental Remote Sensing from the University of Nottingham, England; a Master of Science (M.Sc.) with Distinction in Information Systems from University Putra Malaysia, Malaysia; a Master of Science (M.Sc.) in Banking & Finance, a Master of Arts (M.A.) in Development Studies, a Master of Science (M.Sc.) in Islamic Banking & Finance, and a Post Graduate Diploma (PGD) in Management all from Bayero University, Kano. He obtained his Bachelor of Science (B.Sc.) degree in Geography from University of Abuja and is an alumnus of the Harvard Business School, USA; Lagos Business School, Lagos.

Dr. Sani Yahaya volunteers as a visiting Assistant Professor at the University of Abuja and serves as a reviewer for local and international journals. His academic contributions include over forty well-researched articles published in international and local journals and conference proceedings, coupled with the successful mentorship and graduation of forty postgraduate students. He is an overseas Petroleum Technology Development Fund (PTDF) Doctoral Degree and Research Fellow at the University of Nottingham.

Senior Management Team

###### Bola OMOLE

Chief Information Officer

Bola holds a Bachelor of Technology (Computer Science) degree from Ladoke Akintola University of Technology, Ogbomoso (1997) and a Senior Management Program Certificate (SMP) from the Lagos Business School (2009). He has over eighteen (18) years experience in IT Services, software development, electronic channels product management and project management out of which fourteen (14) years was spent in the financial services sector.

###### Olaitan LASORE

Chief Compliance Officer

Olaitan holds a Bachelor of Science degree in Accounting from the Ogun State University (1998) and qualified as a Chartered accountant (ICAN) in 2002. He has over eighteen (18) years experience covering AML/CFT Compliance, Regulatory Compliance, International Sanctions Compliance, Internal Control and Internal Audit.

He has worked in various capacities in NBM Bank Limited (now Sterling Bank), Zenith Bank Plc, Access Bank Plc, Access Bank (Gambia) Limited and First City Monument Bank Plc respectively. He is noted for designing and implementing effective and efficient compliance risk management system and processes which assure and optimize sustainable revenues for organizations.

He is a Certified Compliance Professional, a Fellow of the Institute of Chartered Accountants of Nigeria (ICAN), and an Associate of the Chartered Institute of Taxation of Nigeria (CITN) and the Compliance Institute of Nigeria. He has also attended various training which includes Regional Workshop on Combating Financing of Terrorism, Regional Workshop on ML/TF Risk Assessment for Financial Institutions and Regional Training on revised FATF Recommendation.

###### Rita CHIEMENEM

Head, Treasury

Rita holds a Bachelor of Science degree in Physics from University of Nigeria, Nsukka. She started her banking career in Access Bank Plc in 2007 and rose to become the Bank's Head, Fixed Income Trading.

She has vast experience in Fixed Income and Currency Trading, Asset and Liability Management, Treasury Sales, Correspondent Banking and Financial Institutions. As a result of her Outstanding Performance, the bank received a Special award/Recommendation from Debt Management Office as the Most Outstanding Primary Dealer Market Marker in 2016. Also, under her purview the Bank received the FMDQ Gold award in 2018 as the best FMDQ Fixed Income Market Liquidity Provider. Rita is an alumnus of the Aresty Institute of Executive Education at Wharton University and a Fellow of the Financial Market Dealers Association of Nigeria.

She has attended several courses including Simarch's Fixed Income and Securities (South Africa) and Fixed Income and Derivatives (Citibank London) and Treasury Management Academy (Euromoney). She is a Financial Analyst at CNBC Africa and FMDQ/Channels Television. She holds both the Treasury Dealers Certification and ACI-Dealing Certificate.

Introduction

Globus Bank adheres strictly to high standards of professionalism in the conduct of its business. We reflect a high standard of ethical and moral conduct in all aspects of business and ensure that our behaviour is fully aligned with legal and regulatory requirements.
We are mindful of our exposure to risk, hence we take deliberate steps to minimize such impact by ensuring that our onboarding framework for customers, counterparties, co-financiers, project sponsors, etc. exceeds regulatory standards particularly in the areas of identification and countering money laundering, terrorist financing, bribery, corruption and associated risks on proliferation of weapons of mass destruction, bribery, corruption, international sanctions and slavery.

Governance

The Chief Compliance Officer (CCO) has been tasked by the Board with a bank-wide discretionary power over AML/CFT related matters. He has unrestricted access to all information, data, records and any systems in the bank as he deems fit and necessary to fulfil his function.
The CCO reports directly to the Executive Compliance Officer (ECO), who is a member of the Board. The CCO is responsible for bank-wide adherence to applicable AML/CFT and allied regulations and obligations derived from extant laws and regulations. In addition, he is responsible for establishing and maintaining Globus Bank's AML program to identify, assess, monitor and manage risks related to money laundering, terrorist financing, financial crimes, etc. From time to time, the Bank will examine its AML/CFT strategies, goals and objectives and maintain an effective program for its business that reflects best in class practices for a reputable financial services provider.

Our AML Framework

The Bank's AML/CFT framework encompasses the following

Board and Management Responsibilities

The Board of Directors is our naught line of defence and assumes overall responsibility for the AML/CFT risk management framework in the bank. The Board reviews and approves the policies on an annual basis to ensure that they are fully aligned with the bank's strategic vision.

The Board ensures that the Bank's Management and all employees conform strictly with all regulatory and internal procedures relating to AML/CFT and that the Bank maintains a zero tolerance to regulatory infraction.

Reports to the Board and Senior Management

AML & CFT reports are submitted periodically to Board and senior management respectively. These reports provide the Board and senior management with information to enable them to assess the Bank's compliance with its regulatory obligations.

The reports also ensure that Directors and senior management are kept abreast on current trends and developments in the financial industry, particularly in the area of AML/CFT risk management.

Customer Identification and Verification

Globus Bank has put in place a strict Know Your Customer (KYC) program to ensure all categories of customers (natural or legal persons or legal structures) are subject to adequate identification, verification and risk rating.

KYC includes not only knowing the customers and entities the Bank deals with (either as a single transaction or ongoing relationship), or renders services to, but also the Ultimate Beneficial Owners (UBOs), legal representatives, directors and authorized signatories as appropriate. The program includes strict identification requirements, name screening procedures and the ongoing monitoring and regular review of all existing business relationships.

Financial Crimes Surveillance

Globus Bank monitors all customer transactions, applying a risk-based approach. Adequate notice and justification are taken on frequency, volume and size of transactions, in the context of the assessed customer and product risks. There are four aspects to the monitoring of transactions:
- Pre-execution transaction monitoring to identify transactions which would if executed result in a breach of applicable sanctions or embargos
- Post-execution transaction monitoring to identify transactions which are considered suspicious and required to be reported to the relevant authorities
- Based on the result of the initial Customer Due Diligence (CDD) assessment, risk-based approach ongoing monitoring of customer activity will be carried out using appropriate software. This monitoring process will also ensure that the KYC information held about the customer is up-to-date
- Ad-hoc monitoring to identify suspicious activity, but as implied, it is an activity which is undertaken on a more informal basis. It is a procedure which should be undertaken by all members of staff of Globus Bank, and can be one of the most effective means of identifying suspicious activity.
- Employees are protected if they report, in good faith, any suspicious activity.

Reporting Obligations

The bank is obligated to make certain reports and returns to regulatory and intelligence bodies under the Money Laundering (Prohibition) Act 2011 as amended ('The Act') and the CBN AML/CFT Regulations 2013.

Threshold reports are covered under Section 2 and Section 10 of the Act. Section 2 provides that financial institutions must submit a report on all international transfer of funds and securities of a sum exceeding ten thousand dollars ($10,000) or its equivalent in other foreign currencies

Similarly, Section 10 of the Act provides that any lodgement or transfer of funds in excess of N5 million and above for individuals and N10 million and above for corporate customers must be reported.

On the other hand, Section 6 of the Act provides that a financial institution must submit a report on all unusual and suspicious transactions.

International Sanctions

The bank prohibits the use or access of its products and services by or for the benefit of any person named on a sanctioned list.

All new/existing customers will be screened against publicly available sanctions lists (including the bank's internal watch list) and against updates to any applicable lists within a reasonable time of these updates being made available. Customer transactions are also screened to ensure that they are not made to sanctioned individuals and entities.

All staff are required, as part of the Bank's policy, to refrain from any relationship and/or transaction which yield a true or positive match and follow the escalation procedure.

Politically Exposed Persons (PEPs)

To a certain degree, holders of public functions and those holding senior, prominent or important positions with substantial authority over policy, operations or the use or allocation of government own resources are exposed to the possibility of corruption or the abuse of their position. This set of people and the entities beneficially owned by them are considered as posing greater risk to a bank and are accordingly categorized as Politically Exposed Persons for the purposes of AML control and oversight.

In dealing with PEPs, Globus Bank will undertake enhanced due diligence to satisfy itself of the legitimacy of the customer's source of wealth as well as funds and nature of the business. Senior management approvals are required before such customers are on-boarded and when any existing customer becomes PEP. The bank will also consider the requirement for ongoing transaction monitoring for potentially suspicious behaviour.

Relationship with Correspondent Banks

Correspondent banking relationships are subject to appropriate customer due diligence and review which includes, among other things, confirmation that the entity has the appropriate licences to operate in its country of origin and due diligence to avoid working with or through shell banks.

Awareness and Training

Globus bank has implemented a comprehensive AML/CFT training program to ensure that all Board members, Senior Management and staff (in particular individuals responsible for transaction processing and/or initiating and/or establishing business relationships,) undergo AML/CFT awareness training

Globus Bank's training is tailored to the business to ensure that staff are aware of different possible patterns and techniques of money laundering which may occur in their everyday business.

Training also covers the general duties arising from applicable external (legal and regulatory), internal requirements and the resulting individual duties which must be adhered to in everyday business as well as typologies to recognise money laundering or financial crime activities

Anti-Bribery and Corruption

Globus Bank has strict prohibitions against bribery and corruption when dealing with both clients and suppliers. The use of position/office and taking advantage of the institution to enrich oneself is prohibited. Offering/acceptance of gratification to/from customers/potential customers/suppliers/vendors to do business is prohibited.

Bribery and corruption are also offences that attract well known consequences such as warning, suspension, termination or dismissal, depending on the gravity of the offence.

Record Keeping and Retention

As provided for in the Act, customer identification documents are retained throughout the life of the account and for five (5) years after the cessation of the banking relationship, except in cases of litigation and/or regulatory investigations. In the case of the latter, the records will be kept for as long as they are required.

Upon request by a regulatory or law enforcement agency, Globus Bank shall make available records related to AML/CFT compliance or its customers as soon as possible from the date of the request.

Cooperation with Regulators, Law Enforcement and Intelligence Agencies

Globus Bank gives full cooperation to law enforcement and intelligence agencies within the limits of the rules governing confidentiality. In full understanding of the crucial role financial institutions play in the fight against money laundering and terrorism financing, the bank promptly complies with all requests validly made pursuant to extant laws and provides necessary information to authorized agencies.

Where the bank becomes aware of facts which lead to the reasonable presumption that money held on deposit derives from criminal activity or that transactions entered into are themselves criminal in purpose, appropriate measures, consistent with the law, are taken, for example, to deny assistance, sever relations with the customer, close or freeze accounts and give full disclosure to the regulatory and intelligence agencies.

Independent Assessment of AML/CFT Compliance program

Adherence to the requirements of Globus Bank's AML program is subject to independent testing by the bank's Internal Audit function on a biannual basis.

The report and findings of the audit are circulated to various levels of senior management. A follow-up to the audits takes place to ensure that the relevant issues are closed out and highlighted recommendations have been implemented.

Working at Globus Bank

At Globus Bank, we are on a mission to deliver superior value to all stakeholders, leveraging people and technology in the most efficient and responsible manner. Thus, our people are our greatest assets and are most valuable to us. Our core values of Creativity, Excellence, Respect, Reliability and Simplicity are highly placed throughout the Bank and most especially in our corporate culture – this helps us attract and retain some of the most dynamic, efficient, trustworthy and unique talent in the industry, who are constantly striving for excellence and are successful at achieving it. With a workforce of seasoned professionals, our ambitious business strategy, and progressive work environment, working at Globus Bank is truly a rewarding experience.

Why Join Us

Globus Bank is revolutionizing the banking experience for all stakeholders. This, we are achieving through our dedicated workforce of skilled professionals who are ‘leading the change’ in this regard. Being part of the team means you will be part of a community of exceptional professionals who are committed to doing things inventively. We are a progressive organization always seeking new and better ways to achieve our set goals, this creates an enabling environment for the fresh ideas of our innovative workforce to flourish.

By joining Globus Bank, you can look forward to plenty of challenges and opportunities, and the chance to develop both professionally and personally. You are also get the following unique benefits.

#### Competitive Salaries

At Globus Bank we offer one of the most competitive salaries in the industry, while also providing other interesting incentives for motivation with respect to your productivity.

#### Career Development

At Globus Bank we offer plenty of opportunities to help you learn, grow and move your career forward. There is a structured plan for professional courses to improve your knowledge base in your field.

#### Health insurance

Your wellbeing is important to us, so we offer a range of health and wellbeing benefits. The range available depends on the HMO package and plan of your choice, Which is tailored to your health needs.