Elizabeth Oluwatoyin

I’m a Risk and Compliance Analyst at GuarantyTrust Holding Company in Lagos, where I conduct in-depth portfolio analysis and credit reviews for large obligors. I translate risk signals into clear recommendations, with a focus on asset quality, capital management, stress testing, and concentration risk.

Alongside compliance responsibilities, I ensure adherence to regulatory frameworks, internal policies, and risk appetite limits. I also oversee liquidity management through monitoring, measuring, and reporting cash flow requirements, and I support enterprise risk management across credit, market, operational, investment, and compliance risks—reporting findings to senior leadership and board committees.

Earlier in my career, I worked as a Forensic Auditor, assisting with financial investigations, fraud detection, and audit reporting aligned with CBN prudential guidelines. Before that, as a Central Pay Officer at the Ministry of Finance, I handled payment processing and payroll-related queries, strengthening my attention to governance, controls, and operational resilience.