Privacy Policy

This Privacy Policy regulates how United Bank for Africa Plc (Tanzania) (“UBA” or “the Bank”) can process the personal information of its customers.

Privacy Policy

The Privacy Policy


This Privacy Policy regulates how United Bank for Africa Plc (Tanzania) (“UBA” or “the Bank”) can process the personal information of its customers.  


In line with the provisions of the Personal Data Protection Act, 2022 (“PDPA”) ( Act No. 11 of 2022), the General Data Protection Regulation (GDPR) of the European Union, and other applicable Data Privacy laws and regulations, UBA maintains the following privacy principles, which govern how we collect, use, record, organize, structure, store, adapt or alter, retrieve, consult, disclose, disseminate, align, combine, restrict, erase or destroy and generally manage your personal data (“processing” or “process” of your Personal Data”). 


Personal Data under this privacy policy is as defined by the Personal Data Protection Act, 2022 (“PDPA”) ( Act No. 11 of 2022), the General Data Protection Regulation (GDPR) of the European Union, and the The Tanzania Communications Regulatory Authority (TCRA), which is the body empowered to make regulations or directives prescribing categories of sensitive personal data, further grounds for processing same, and the safeguards that must apply.


Basis for collecting and processing Personal Data by the Bank

The Bank processes your personal data relying on any of the following legal grounds:


§  Where your Consent as the Data Subject has been obtained.

§  Offering banking and allied services to the Data Subject.

§  Offer of employment to the Data Subject. Where the processing of your personal data is necessary for the performance of a contract to which you are a party.

§  For compliance with a legal obligation to which the data controller is subject.

§  Where it is necessary to protect the vital interests of a person in line with Data Privacy regulations.

§  Where it is necessary for the performance of a task carried out in the public interest.


Where it is in the legitimate interests of the Bank (except where the interests or rights and freedoms of the data subject override those interests)


Collection of Personal Information

UBA Plc (Tanzania) is a financial institution with an international banking license issued Bank of Tanzania. Its Head office is situated at 30 C/ 30 D Nyerere Road, Dar es Salaam, Tanzania, and it has a business presence in 19 African countries, including New York, the United Kingdom, France, and the UAE. 


As a responsible business, UBA is committed to complying with the relevant applicable data protection regulations when processing your personal data. 


The the Personal Data Protection Act, 2022 (“PDPA”) ( Act No. 11 of 2022) and GDPR give you certain rights regarding our use of your personal data, including the right to: 


§  Request access to the personal data we have collected about you to review, modify, or request deletion of your Personal Data.

§  Request a copy of the Personal Data we have collected about you and correct any inaccuracies.

§  Request that we cease processing your Personal Data.

§  Lodge with a competent Data Protection Authority.

§  Request for your personal data to be transferred to another organisation in a commonly used and machine-readable format.


Note that some laws or our requirement to comply with a Legal obligation to which the Bank is subject to may prevent us from providing access to your personal data or fully complying with your request, depending upon the circumstances and the request. For example, producing your information may reveal another person’s identity.


Thus, kindly note that we reserve the right to charge an appropriate fee for complying with your request where applicable law allows and/or deny your requests where they may be manifestly unfounded, excessive, or otherwise objectionable or unwarranted under applicable law. 


What do we need?

UBA will be known as the “controller” and “processor” of the personal data you provide to us.


§  We may collect your information from our website visits, applications and channels, identification documents, curriculum vitae, personal financial statements, interactions with relationship managers, and other third parties.


§  We collect and use the personal information you provide to us as part of our banking services (e.g., Name, Address, nationality, email, Phone number, ID Number, Bank Verification Number (BVN), and family-related information).


§  We collect and use biometric information (e.g., Fingerprint – BVN verification used on our ATMs, POS, and other channels), IP address, device information, and location.


§  We use financial information such as account balance, transaction history, and debit/credit card usage to provide you with banking services.


§  We may also use information about any other UBA products and services you currently have, have applied for, or have previously held.


§  We may also collect visual images and video footage when you visit our premises and ATMs and telephone conversations when you call any of our contact centre lines.


§  We also collect data from prospective employees as part of our recruitment processes.


§  We may also process sensitive personal information for specific and limited purposes, such as detecting and preventing financial crime or making our services accessible to customers. We will only process sensitive personal information where we have obtained your explicit consent or, where applicable, compliance with a legal obligation or for legal proceedings/advice.


§  We collect this information to ensure you transact with us seamlessly and securely.


Please note that UBA will NEVER ask for personal banking information such as card details (CVV), PIN, Password, Secure Passcode, or Token number.


Why do we need it?

We require your basic personal data to provide you with the banking services you have engaged us for based on the requirements of the respective Central banks and/or governmental regulations, which align with the applicable Data Privacy regulations and our Data Privacy Framework/Policy.


What do we do with it?

We collect, store, and process some of your personal data as required by law to enable you to obtain banking services through us.


All the personal data that the Bank collects from you will be held and processed securely by our Facilities at Dar es Salaam Headquarters or any of our subsidiaries and/or authorized service providers (third parties), where applicable. Your data will be confidential unless required by a Legal or regulatory requirement for the Banking services or where there is a legal basis for the processing of your processing of your personal data.


We will take all reasonable actions to ensure that the personal data of all customers and employees are handled securely and in a controlled manner. The Bank complies with the latest Information security standards such as PCI-DSS, ISO/IEC 27001:2022, etc.


How long do we keep it?

As a regulated financial services institution, we will retain your personal data as may be required by regulation in the country under consideration, after which it will be disposed of as required under the respective Government laws and Banking regulations.


Please note that regulations may require the Bank to retain your personal data for a specified period, even after the end of your banking relationship with us.


Sharing of Personal Data

Personal data may be shared with third parties and service providers to deliver our services to you in accordance with the Personal Data Protection Act, 2022 (“PDPA”) ( Act No. 11 of 2022), the General Data Protection Regulation (GDPR), and any applicable Data Protection Laws. 


In addition, we may disclose your personal data:

  • If we are required to do so by law or legal process.
  • To law enforcement authorities or other government officials.
  • When we believe disclosure is necessary or appropriate to prevent physical harm or financial loss or in connection with an investigation of suspected or actual illegal activity.
  • If disclosure is necessary to protect the vital interests of a person.
  • To enforce our Terms and Conditions.
  • To protect our property, services, and legal rights.
  • To support auditing, compliance, and corporate governance functions; or
  • To comply with any applicable laws.


Data Security

At UBA, security is our top priority, and we always strive to ensure that your personal data is protected against unauthorized or accidental access. We maintain this commitment to data security by implementing appropriate physical, electronic, and managerial measures to safeguard and secure your personal data with us.


Our web servers are protected behind “firewalls”, and our systems are monitored to prevent unauthorized access. We will not send confidential information to you by ordinary email, as the security of ordinary email cannot be guaranteed.


All practical steps shall be taken to ensure that personal data will not be kept longer than necessary and that the Bank will comply with all statutory and regulatory requirements concerning the retention of personally identifiable information.


Our commitment to Data Security is paramount to us at UBA. Your personal data is kept secure in line with applicable Data Protection Regulations. Only our authorized staff, agents, and contractors (who have agreed to keep information secure and confidential) have access to this information.


Shared Responsibilities

UBA and its customers shall play an important role in protecting against online fraud. You should be careful that your bank account details, including your User ID and Password, are not compromised by ensuring you do not knowingly or accidentally share, provide, or facilitate unauthorized use. Please do not share your User ID and password or allow others to access or use them. UBA endeavors to put high-security standards in place to protect your interests.


You should safeguard your unique User ID and Password by keeping them secret and confidential. Never write them down or share these details with anyone.


You are responsible for informing us immediately if you think your User ID and password have been disclosed to a third party, are lost or stolen, and unauthorized transactions may have been conducted on your account.


Where you share the personal data of third parties with us, including your directors, officers, and authorized signatories (Data Subjects), you are responsible for and warrant that you shall obtain their written consent for the processing and transfer of their personal data for the purpose of your contract with us and the provision of banking services to you.


The consent of the parent or legal guardian of a child is mandatory. Age verification and consent are also required. This can be done using technology and Government identification documents.


Exemptions include the vital interest of a child, proceedings in court, education, medical or social care undertaken by a professional owing a duty of confidentiality.


Remedies for personal data violation

If your personal data is violated at any time, you can contact the Bank’s Data Protection Officer (DPO) at


§  Within a reasonable timeframe of UBA receiving a complaint, UBA shall notify the Individual in line with data privacy requirements of either,


                         i.         UBA’s position concerning the complaint and any action UBA has taken or will take in response; or,


                        ii.         When the individual will be informed of UBA’s position on the complaint in accordance with data privacy requirements


§  Remedies shall include but are not limited to investigating and reporting to appropriate authorities, recovering the personal data, correcting it and enhancing controls around it.


Cross Border Transfer

Given the scope of our banking operations, we may process data in multiple locations and rely on legally provided mechanisms to lawfully transfer data across borders. In such cases:


§  UBA shall not transfer your personal data to a foreign country or international organisation in contravention of the Personal Data Protection Act, 2022 (“PDPA”) ( Act No. 11 of 2022), General Data Protection Regulation and other applicable Data Protection Laws.


§  Please contact us if you want to know more about our Data Privacy policy and withdraw some or all of your consent. We will be more than glad to help you in accordance with the regulations.


Changes to Privacy Policy

We review this Privacy Policy regularly and reserve the right to make changes at any time to reflect changes in our business and legal requirements. We will post updates on our website (


Privacy Contact Information

If you have any questions, concerns, or comments about our privacy policy, you may contact us using the information below:

  • Data Protection Office, UBA


You may also engage the supervisory authority The Tanzania Communications Regulatory Authority (TCRA) if you wish to complain about how UBA handles or has handled your personal data or have concerns about how your complaint has been handled.


Mwinyimkuu Ngalima

Chief Retail Officer

Mwinyimkuu is the new Head Retail Banking for UBAT. His resumption date is 1st June 2022. Mwinyimkuu has over seventeen (17) years working experience in Bank’s, He previously worked with Exim Bank (T) Ltd and prior to that he was working with NMB Bank.
Mwinyimkuu comes in with the vast experience in Retail banking having worked as branch Commercial Manager, Branch Manager and currently as Senior Manager in their strategic branch in Zanzibar.
Mwinyimkuu is the holder of Masters of Business Administration in Finance from University of Wales Institute, Cardiff – UK, Post Graduate Diploma in Tax Management from the Institute of Finance Management and a bachelor degree in Agricultural Economics and Agribusiness from Sokoine University of Agriculture.
Mwinyimkuu is fluent in both English and Swahili


Emanuel Arkadi

Chief Risk Officer
Emanuel has joined the Bank on 16th May 2022. He has vast experience in Risk Management with over Fourteen (14) years working experience in Bank’s. Emanuel has worked with Exim Bank (T) Ltd and Stanbic Bank. Emanuel is the holder of Msc. Finance and Investment from Institute of Finance Management, also has bachelor of Commerce and Management in Accounting from the University of Dar es Salaam. Emanuel is a certified Public Account (CPA(T), Certified financial service risk specialist, CFRS (IRMT- Tanzania), and he has ACI Operational Certificate from ACI Financial Markets Association.

Ms. Farhiya Warsame

Non Executive Director
Ms.Warsame Farhiya ; is a Non- Executive Director for United Bank For Africa – Tanzania with effect from March 2019. Ms. Warsame is the Founder and Managing Director of Rashal Petroleum, with 8 years of prior banking experience with two international banks. Mrs. Farhiya is a highly experienced business woman and academician with enormous involvement and broad knowledge in investment, wholesale and commercial banking as well as project and corporate relationship management

Mr. Heri Bomani

Non Executive Director
Mr. Heri Bomani- Mr. Heri is currently serving as the Founder & Director of MLC Properties and also as the Founder& Managing Director of Pangani Group. He was appointed as a Non – Executive Director of UBA Tanzania in October 2020. He also serves as the Executive Director of Pangani Real Estate Services Limited and Pangani Advisory Limited from 2013 and 2011 consecutively. Mr. Heri has held various executive management positions through the years such as serving as the Managing Director & CEO of Kenya Commercial Bank Tanzania Limited from 2006 to 2010 and also served as the Executive Director, Consumer Banking at Standard Chartered Bank Tanzania Limited from 2000 to 2006 in which he was appointed and served as a Member of the Board of Directors of Standard Chartered Bank Tanzania Limited and also the member of the Consumer Banking Africa & Middle East/South Asia Leadership Team. Mr. Heri has broad, knowledge in investment banking, wholesale and commercial banking, account management, project management, Fund management and public-sector relationship management in which he was able to make remarkable accomplishments during his tenure at Standard Chartered Bank Tanzania Limited whereby he was recognized as a proactive and industry leading commercial bank in Tanzania thus being voted as the leading employer in Tanzania by the Association of Tanzania Employers and received the Banker of the year Award for 2005 by Euro money and the Financial Times. He contributed to grow the revenue base from USD 3.1M in 2001 to USD 12.9M in 2005 and also grew the deposit base grow massively from TZS 44B in 2001 to TZS 133B in 2005. Mr. Heri holds a Bsc Economics in Banking and Finance from the University of Wales, College of Cardiff.  


Non Executive Director

<strong>Male-Martin Jonas Mmari</strong>- He is currently serving as a Tanzania partner and CEO of Digitian Global Consulting. He was appointed as a Non – Executive Director of UBA Tanzania in August 2019. Before serving in the Board of UBA Tanzania, he held many strategic positions at various times as the Director of Finance at PPF Pension Fund from 2002 to 2018 in which he represented the Fund and served as a board member for CRDB Bank Ltd from 2001 to 2016 and was later appointed to serve as the Chairman of the Board of directors for CRDB Bank Ltd from 2004 to 2016 and also served as the Head of Financial Reporting &amp; Investments and Acting Director of Finance at PPF Pension Fund in 2001. Prior to that, he served as the Bank Examiner of the Bank of Tanzania between 1991 and 2000.

Mr. Alexander Trotter

Non Executive Director
Mr Trotter has significant experience in managing, investing and advising African public and private companies. He was a portfolio manager for over ten years investing in frontier African equities, with a demonstrable track record of strong performance. He is a trustee of the Tony Elumelu Foundation, Africa’s leading supporter of entrepreneurship. He has a background in investment management, strategy, and corporate finance, and has held positions with UBS and GAM. He began his career at Linklaters, as a corporate lawyer. Mr Trotter holds degrees from Oxford University and Imperial College.
Mr.Ebele Ogbue

Mr.Ebele Ogbue

Non Executive Director
Mr. Ebele holds a (Honours) degree in accounting from the University of Lagos and an MBA (IT & Management) from CASS business school London. His professional career started at Price Waterhouse in 1991, before his foray into banking where he has spent the last two decades working at international banks such as Citi Bank and Standard Chartered Bank before joining UBA in 20014. His banking experience spans various areas of banking from Asset Based Finance to core Corporate Banking and Trade Finance. Prior to his current role, he was MD/CEO, UBA Capital Europe and pioneer MD/CEO of UBA Liberia  

Mr. Oliver Alawuba

Group Managing Director

Oliver, a seasoned banking professional, comes on board with a broad range of strategic and well-grounded experience in Corporate and Institutional Banking, Consumer Banking, Public Sector, Retail and Commercial Banking, Project Management, Corporate Governance, and overall bank management.

Mr. Oliver Alawuba has acquired 25 years of work experience in the banking industry after his short foray into academia. He joined the former Standard Trust Bank (STB) as a pioneer staff in 1997. Over the years, he has demonstrated strong passion for excellence and result-oriented leadership capability. 

Prior to his current appointment as the Group Managing Director/CEO of UBA Banking Group, Oliver was at various times country CEO and Regional CEO in the Rest of Africa, Executive Director, East Bank (Nigeria) and later Group Deputy Managing Director/CEO, covering Nigeria and other 19 subsidiaries in the Rest of Africa. He also worked in another bank and rose to the position of Executive Director. Oliver is an effective and self-motivated professional. 

Oliver possesses B.Sc and M.Sc degrees in Food Science and Technology and MBA in Banking and Finance. He is an alumnus of the AMP and SEP programmes of the prestigious INSEAD Business School, France and London Business School respectively.

He is also a Fellow of the Nigerian Institute of Management (NIM) and an Honorary Senior Member of the Chartered Institute of Bankers of Nigeria (CIBN). 

Ms. Ogechi Altraide

Non Executive Director
Over 30 years’ experience in investment banking, wholesale and commercial banking, account management, project management and public-sector relationship management, Strong skills in Corporate Governance, with MBA from University of Nigeria, Post Graduate Diploma, Computer Science and Engineering from Anambra State University of Technology.

Amb. Tuvako Manongi

Ambassador Tuvako Nathaniel Manongi: Is the Board Chairman United Bank for Africa (UBA) – Tanzania, He was appointed in 2018 replacing Gen. Robert Mboma who served as the pioneer board chairman from inception in 2009 to 2018. Mr. Manongi, served the government of the United Republic of Tanzania as the permanent representative of the country to the United Nations (UN)till his retirement in 2016. He also served as the Principal Officer in the office of the Deputy Secretary-General within the executive office of the Secretary-General for the United Nations (UN) from 2007 to 2012. Mr. Manongi is a career diplomat civil servant having held high positions as the United Republic of Tanzania Deputy Permanent Representative in New York in 2005 to 2007 and also Personal Assistant to President Benjamin Mkapa from 2002 to 2004.  He was the Counselor (Legal) at the Permanent Mission between 1997 to 2001 also Second Secretary and then First Secretary of the United Republic of Tanzania Embassy in Washington, D.C between 1981 & 1987. Mr. Manongi first joined the Ministry of Foreign Affairs in 1978 as a Legal Officer. He holds a bachelor’s degree in law from the University of Dar es Salaam, in the United Republic of Tanzania. He is also a graduate of the Centre for Foreign Relations in Dar es Salaam and holds a postgraduate degree in Maritime Administration from the World Maritime University in Malmö, Sweden.

Benson Tsetonga Msangi

Chief Finance Officer
Benson is the candidate considered for the role of Chief Finance Officer for UBAT, he will join the Bank on 1st August 2022. Benson has over seven (7) years working experience and his current employer is Exim Bank (T) Ltd. Prior to that, Benson also worked with Pricewaterhouse Coopers Tanzania Limited (PWC) as Senior Assurance Associate. Benson will come in with the vast experience in Strategy Formulation, Budgeting, Performance Management, Financial Reporting and Taxation. Benson is the holder of Bachelor of Accounts and Finance in Public Sector from Mzumbe University, Advance Diploma in Accounting and Business – ACCA, Certified Charted Accountant (ACCA) – UK and Certified Strategic Management – ACCA UK Benson is fluent in both English and Swahili.

Stella Shangali

Country Head Resource
Stella Shangali, was employed as a Country Head, Resource of UBA Tanzania. Before her appointment as a Country Head, Resource to UBA Tanzania, Ms. Stella was the Assistant Human Resource Manager from April 2014 to January 2017, also she was Human Resources and Administration Officer from April 2010 to March 2013 both role she served at Britam Insurance Tanzania Limited. Prior to her employment she had served as a Human Resource Assistant at Kabanga Nickel Company Ltd from June 2008 to March 2010. Ms. Stella received her education at Institute of Finance Management, from which she holds Post Graduate Diploma in Human Resource Management and is also a graduate of the University of Dar es salaam, where she earned a Bachelor of Arts in Political Science and Public Administration.

Juma Musa

Country Head Internal Control
Mr. Juma Musa has six (6) years working experience out of that, five (5) years being with UBAT. Juma started as an Officer in Audit /Control department at UBAT in 2011 before he left to Equity Bank in 2015 and he was re-hired by UBAT in October 2016. Juma holds a BCOM degree from University of Dar es Salaam and he is also a registered member of National Board of Accountants and Auditors (NBAA). He is fluent in English and Swahili.

Brendansia Kileo

Head, Marketing and Corporate Communication
Brendansia Kileo, is the Head of Marketing and Corporate Communication (MCC) at UBA Tanzania. She joined UBAT on 10th July 2017. Brendansia has six (6) years working experience in the field Marketing and Corporate Communications, Prior joining UBAT she was working with East Africa Television (EATV) on the same field of Marketing and Communications. Brendansia is the graduate from United State International University – Africa (USIU) in Nairobi Kenya, holding a Bachelor degree in International Business Administration. Brenda is fluent in both English and Swahili.

Joseph Ringa

Country Head Audit

Was born on 18th April 1966. He is married with four children. He is an Associate Certified Public Accountant (ACPA) registered by the National Board of Accountants and Auditors [NBAA] of Tanzania. He holds a Diploma in Accountancy certificate obtained from Zambia Institute of Technology (now Copperbelt University) in Kitwe Zambia.

A Diploma in Risk Management in Finance/Banking obtained in Stockholm, Sweden.
He has 14 years of working experience in the banking Industry in the field of internal auditing, starting as Senior Internal Auditor in 2004 at Tanzania Postal Bank where he rose to Senior Manager Audit before joining United Bank for Africa Tanzania as Country Head Audit in November 2016.

Kelvin Vitalis Nguma

Chief Risk Officer

Kelvin Nguma is the Chief Risk Officer at UBA Tanzania. Kelvin has more than ten (10) years working experience out of that, six (6) years being in Risk Management. Prior to join UBAT he was the Manager in Risk and Compliance department at Tanzania Postal Bank (TPB). Kelvin is the graduate from Institute of Finance Management holding a Bachelor degree in Banking and Finance. Currently he is pursuing MBA from Mzumbe University majoring in Corporate Management. Also, he is certified Risk Specialist by International Association of Financial Management and Certified Professional Banker by the Tanzania Institute of Bankers. Kelvin is fluent in English and Swahili.

Christina Kongola

Head Compliance

Is a professional Lawyer born December 1973. She is married with three children.
Professionally, she is an Advocate of the High Court Tanzania and Courts subordinates there to, and Member of the Tanganyika Law Society. She is a Certified Compliance Specialist from the International Financial Management and holds a Master’s Degree in Laws majoring in Corporate and Commercial from the University of Dar es salaam.
Christina holds Post Graduate Diploma in Legal Practice from the Law school of Tanzania and a Bachelor’s Degree in Laws (LLB)(Hons)from the Open University of Tanzania as well as Diploma in International Relations and Diplomacy from the Center for Foreign Relations in Dar es salaam.
She has a ten years work experience in the banking Industry, mainly in management and Compliance, Money Laundering and Terrorist Financing Risks. She started her career in banking, way back in 2003 as a Call Center Agent with NMB Bank – Head Office and later in 2010 was promoted to Compliance Officer within the same Institution before joining the United Bank for Africa(UBA) (T) Limited in June, 2017 as Head of Compliance.

Victoria Charles Lupembe

Head Legal & Company Secretary
Victoria Charles Lupembe, was employed as a Company Secretary/Head of Legal of UBA Tanzania in 16th July 2018. Before her appointment as a Company Secretary/Head of Legal to UBA Tanzania, Ms. Victoria was the Senior Associate at Mawalla Advocates. Prior to her employment at Mawalla Advocates, she worked with Aloys & Associates as an Associate from 2014 to 2015. Prior to that, from 2012 to 2014, she was the Company Secretary of Fanikiwa Microfinance Company Limited and from 2010 – 2012 she held the position of a Legal Officer at the then Tanzania Gatsby Trusts newly created Financial Institution called Fanikiwa Microfinance Company Limited. Ms. Lupembe received her education at the University of Dar es Salaam, in the United Republic of Tanzania, from which she attained a Bachelor’s Degree in Law, and is also a graduate of the Mzumbe University in Dar es Salaam where she earned a Master’s degree in Business Administration in Corporate Management. Ms. Lupembe is a Practicing Advocate with a Post-Graduate Diploma in Legal Practice from the Law School of Tanzania.

Gbenga Makinde

Managing Director

Mr Gbenga Makinde is currently the Managing Director/ CEO of UBA Tanzania a subsidiary of the United Bank for Africa (Plc). Mr Gbenga (commonly known as GMak) has had a lengthly carrier in the banking realm, which over the course of two decaded has seen him at the helm of a number of critical departments.

Prior to his appointment as MD/ CEO of UBA Tanzania, he was the MD/ CEO of UBA Benin where he made great number of significant achievements in different time periods. Before Joining UBA Plc, Mr Makinde worked in various managerial roles and positions having worked for Metropolitan Bank Limited, Equatorial Trust Bank Limited and Access Bank Plc.

Makinde is people centered and has consciously developed his communication skills in a manner that relates to various categories of target audience and stakeholders to enhance business growth.

Flavia Kiyanga

Chief Operations Officer

Ms. Flavia has twenty-five (25) years working experience out of that, ten (10) years being with UBAT. Flavia has been employed with UBA Tanzania since 2009 up to date. Within UBA Bank Tanzania Flavia has assumed various responsibilities in operations department as Branch Operation Manager from 2009 to 2014 then she has been promoted as Head of Domestic Operations from 2015 to 2018 and Currently Flavia is the Chief Operating Officer (COO) from November 2018. Prior to that, from 1996 to 2009, she was the Branch Finance Officer of Tanzania Postal Bank. Flavia holds a Master’s degree in Business Administration, Finance and Banking from Mzumbe University, also Flavia graduated at Mzumbe University where she earned an Advanced Diploma in Economic Planning.