Supporting Your Business

Henrietta E. Abraham, LL.M, BL, CIPP/E

Henrietta Abraham is an IT Lawyer with extensive experience in IT and Law spanning over 12years. Her experience covers core IT as well as regulatory compliance in information privacy and security, data protection, e-commerce, cybersecurity, innovative payments, consumer protection.

She is an experienced Trainer providing capacity development to the public and private sector through standard and bespoke training on privacy and data protection, e-commerce law, electronic and mobile payments and disaster recovery and business continuity. Henrietta, also, for many years taught E-Commerce Law at one of UK’s largest universities before leaving in August 2014 to focus on her work in emerging economies.

Henrietta has worked in collaboration with the Central Bank of Nigeria (CBN) in promoting the cashless initiative and creating an awareness of the benefits of the cashless policy. Henrietta organised the annual Nigerian electronic and mobile payments conference in partnership with the CBN over three consecutive years. She wrote a regular monthly column on IT Law in ThisDay, one of Nigeria’s largest national newspapers, through which she sensitized readers on global developments in IT and the importance of an adequate regulatory framework to support the development of technology in Nigeria.

Due to her experience and widely acknowledged analytical skills, Henrietta is often invited to present papers on the relationship between IT and the law. She recently gave a Lecture at the Nigerian Law School on the impact of technology on the Law and prior to this, presented a

paper on Nigeria’s cash-less initiative titled, ‘Creating an Appropriate Regulatory Environment for Electronic and Mobile Commerce’ and on another occasion, was on the panel which deliberated on ‘The Role of Government in an Evolving Electronic and Mobile Payments Market’. She sat as panellist during the Cybersecurity Forum organised by the Commonwealth Technology Association (CTO) which was hosted by the UK Cabinet Office and later on, was invited to discuss data protection compliance at CTO’s HR4ICT conference.

Henrietta holds an LL.M in Information Technology and Telecommunications Law from the University of Strathclyde and is an IAPP certified privacy professional. She is a professional member of the British Computer Society, the Society for Computers and Law and the International Association of Privacy Professionals.

Professor Emeritus Howard Williams

Professor Williams has over twenty years’ experience in the telecommunications and ICT sector providing wide ranging economic and public policy advice to many governments and organisations around the world. He has worked at the World Bank (in the ICT policy section), the International Telecommunications Union, the European Commission and as a consultant for OECD.

A primary concern of his is to how innovations in the ICT sector can be used to leverage economic growth and benefit many people through direct action which aim to alleviate poverty. Hence his ICT policy work has focused on several levels on the development of an enabling environment, capacity building and actions which foster tangible innovations which directly drive new economic and social opportunities for the poorest families.

In terms of financial conclusion Professor Williams developed the 'banking ladder' which maps out the ways in which the development of financial services to increase 'financial inclusion' are different in and have different demand functions than the demand for other financial services. The key policy message of this work is that simply extending the reach of 'banking' services does not necessarily address the needs of financial inclusion. This work was influential in shaping the development of M-Pesa and the focus on low volume, relatively high value, almost real time, money transmission rather than banking services and creating stored value of money. Another key message from this work is that the regulatory instruments needed to foster financial inclusion are different to the provision of banking services. His work, such as the SIM Panel report of Mobile Money, is widely cited (http://www.vodafone.com/content/index/about/about_us/policy/policy_papers.html; policy paper No 6).

Professor Williams has long been involved in capacity building programmes around the world offering professional development courses, in-house training as well as innovative academic qualifications. He created the Masters in Communications Management (MCM) a world leading programme for future leaders in emerging markets in the telecommunications and ICT sectors. He ensured that all students undertaking this course were fully funded allowing industry professional throughout emerging markets to enjoy world class opportunities. He has held senior appointments (including visiting positions) at a number of leading universities throughout the world including, amongst others, the University of Oxford, the Bocconi in Italy, Chengdu in China. He is on the editorial board of several major journals.

Edward Ola Abraham, CGMA, ACMA, ACA

Edward is a seasoned Chartered Accountant with an in depth knowledge of financial and management accounting both in the private and public sectors. Edward has over 20 years’ experience in Financial Management, Management Consultancy, Implementations Consultancy and Project Management. A consummate professional, with a rare blend of accountancy, project management and information technology skillset. As an Implementations Consultant and Systems Accountant, one of his major strengths is his understanding, and analysis, of business processes.

Edward has a wealth of experience in designing, developing and customizing business applications to meet customer requirements. He has a well-grounded knowledge of various project methodologies, including ASAP methodology and the preparation of Business Blue-Print.

As an experienced Project Manager, Edward has helped to deliver numerous projects in various industries including Accounting, Banking and Financial, IT, Construction, Government and Public Sector, Aviation, Manufacturing, Oil and Gas, Advertising and Insurance. He has also managed organisational relocation, major equipment implementation, disaster recovery and outsourcing using enterprise solutions such as SAP, Civica Financials, Cedar Accounts, Oracle Financials, QSP Financials, e5, JD Edwards and Sage. He is a skilled Trainer who has undertaken training for a number of organizations in areas such as management and leadership, strategic business processes, business analysis, change management, accounting, and project management.

Ajibade Yusuf, BA (Hons.), FCCA, MCSI, MBA

Ajibade is a Fellow Chartered Certified Accountant with over 18 years of financial and management experience, the last 11 years in the financial services industry. He was recently the Head of Financial Reporting at HSBC Securities Services in Guernsey, where he was a member of Audit Committee for various Offshore Investment funds. Ajibade provides advice on investments, governance, technical and regulatory matters including the implementation of UK Corporate Governance Code, FSA Listing rules and US/EU financial regulations to Board of Directors.

Ajibade has held a number of positions working for Credit Suisse, Deutsche Bank, Royal Bank of Canada and Investec Asset Management. He is an executive MBA graduate of Manchester Business School, and a current research postgraduate of International Governance, Financial Regulation & Economic Law at the Institute of Advanced Legal Studies, University of London.

Edward Coker BSc. (Hons), MPH, CSM

Edward is an experienced IT Business Analyst, Salesforce CRM Consultant & Solutions Architect with several years’ experience in delivering business change solutions with commercial expertise in IT, Automotive, Salesforce CRM, Web, App Development, Ecommerce, Mobile Commerce, Healthcare and Software Development which were

successfully delivered with the use of SDLC delivery methodologies such as Waterfall, Agile (Scrum), RUP, Prototyping & V-Model in order to meet organisational objectives.

Edward is also a certified Scrum Master with project delivery expertise & hands on experience in business analysis planning, business process modelling techniques for the delivery of end to end business processes, end to end testing processes for the delivery of fit-for-purpose processes and systems, requirement engineering techniques used to elicit, capture, document and manage requirements, stakeholder management skills used to manage expectations of internal and external stakeholders, strategic & enterprise analysis techniques for the delivery of a target operating model.

Edward has successfully led agile based projects involving complex IT & digital transformation initiatives for blue chip global organisations such as Jaguar Land Rover, Porsche AG, National Health Service, Cambridge University Press, etc. He is a professional member of the Project Management Institute (PMI), International of Institute of Business Analysis (IIBA), Scrum Alliance & the British Computer Society (BCS).