Lufuno Happy Nedzingahe
Product Owner: International Payments And Remittance
Randburg
Summary
I have 22 years’ experience in Foreign Exchange, back-office role as well as the front office. My extensive customer service skills and solid understanding of a diverse range of Foreign Exchange business processes, products and policy knowledge complement my skill.
I am passionate about people. I implement a focused approach to understanding complex problems and challenging conversations. I am assertive, innovative, creative and good at maintaining strong relationships and have the ability to inspire confidence at the highest levels by maintaining integrity and ethics.
Through my willingness to work hard, commitment and excellence, I believe that I can make a productive contribution to the team.
Overview
5
5
Languages
22
22
years of professional experience
Work History
Product Owner: International Payments and Remittan
Bidvest Bank
09.2025 - Current
- Led product development initiatives, aligning stakeholder needs with strategic goals.
- Managed currency risks by advising on optimal currency conversion timing for international payments.
- Understanding payment systems: Knowledge of various international payment systems such as swift and local clearing systems.
- Compliance and regulation: Understanding of regulatory requirements for cross-border payments including AML (Anti Money Laundering) and KYC (Know Your Customer) regulations.
- API Integration: Ability to work with APIs for seamless integration with banking systems, payment gateways, and third-party service providers.
- Implemented fraud prevention strategies to safeguard transactions and protect customer data.
- Knowledge of mobile and digital payment methods
- Stakeholder management: Ability to collaborate with cross functional teams including developers, compliance officers and business stakeholders to deliver high-quality products.
- Problem solving skills: Capacity to identify challenges, propose solutions, and make data driven decisions to enhance the international payments product.
- Increased revenue through strategic initiatives and effective product positioning.
Supervisor
ACCESS BANK
02.2022 - 08.2025
- I worked under forex payment operations, my role included the following:
- -Reviewed transaction processing to ensure compliance and accuracy of data input
- -Making sure that exchange control, rulings as well as the balance of payment is looked at and is correct before transactions are authorized
- -Authorizing and releasing of outgoing telegraphic/swift transactions
- -Authorizing of Incoming swift transactions
- -Managed control account for transactions to ensure financial integrity
- Managed swift transaction queries to ensure timely resolution.
- -Monitored daily errors to uphold error-free transaction processing by the team
- -Working closely with the projects team/IT in making sure that required system enhancement is carried out. This includes innovation
- -Training of new staff members
- -Assisting other business units with queries related to foreign exchange
Foreign Exchange Consultant
FIRST NATIONAL BANK
01.2014 - 12.2020
- My role entailed the following:
- -Capturing of incoming and outgoing swift transactions
- -Contacting the clients telephonically and via email notifying them of their transactions (Incoming swift)
- -Booking of FX rates of exchange with the FX Dealing Room on behalf of the clients
- -Attending to swift queries and making sure that they are resolved within the SLA
- -Handling of client queries, all incoming swift as well as outgoing swift messages
- -Training of new joiners as well as assisting other business units with regard to foreign exchange queries
Foreign Exchange Consultant
EURODOLLAR FOREIGN EXCHANGE
04.2010 - 04.2012
- -Processing of outgoing swift payments
- -Buying and selling of foreign bank notes
Foreign Exchange Consultant
ABSA
04.2004 - 03.2010
- -Processing of buying and selling of foreign notes and traveller’s cheques
- -Receiving of foreign cheques and making sure that the process of settlement is followed
- -Opening of non-residents accounts
- -Attending to exchange control queries and making sure transactions are fully compliant before settlement
- -Settlement of Incoming and outgoing swift transactions
- -Monitoring payments screening and making sure transactions are compliant before settlement
Education
Some College (no degree) - Information Technology Diploma
INNOVATION BUSINESS COLLEGE
Johannesburg01-2001
Higher National Certificate - undefined
KHWEVHA COMMERCIAL HIGH
Thohoyandou01-1998
Skills
Collaboration
Cost Optimization
Revenue Growth
Process Improvement
Team Engagement
Ensure day to day process are followed
Problem identification and key growth initiatives
Identifying and mitigating risk associated with forex payments
Timeline
Product Owner: International Payments and Remittan
Bidvest Bank
09.2025 - Current
Supervisor
ACCESS BANK
02.2022 - 08.2025
Foreign Exchange Consultant
FIRST NATIONAL BANK
01.2014 - 12.2020
Foreign Exchange Consultant
EURODOLLAR FOREIGN EXCHANGE
04.2010 - 04.2012
Foreign Exchange Consultant
ABSA
04.2004 - 03.2010
Higher National Certificate - undefined
KHWEVHA COMMERCIAL HIGH
Some College (no degree) - Information Technology Diploma
INNOVATION BUSINESS COLLEGE