Senior Management Team

Dr. Dominic Murage, PhD, CPA (K), CS (K) – Chief Executive Officer (Ag.)

Dr. Dominic Murage, PhD, CPA (K), CS (K), was appointed as the Acting Chief Executive Officer (CEO) on 12th October 2025. Following his appointment, the requisite regulatory vetting process was undertaken by the Central Bank of Kenya, culminating in formal approval and clearance.

Dr. Murage is a seasoned finance professional, scholar, governance expert, and strategic leader with over twenty (20) years of distinguished experience in Management, Human Resource Management, Taxation, Public Finance, Audit, Financial Reporting, Policy Analysis, Consultancy, Corporate Governance, Research and Training. He has built an extensive career across both the Public and Private sectors, establishing a strong and credible professional network.

Prior to his current appointment, Dr. Murage served as a Senior Lecturer in the Department of Finance and Accounting at the University of Nairobi. His areas of interest include Financial Investments, Taxation, Banking, Auditing, Financial Institutions and Accounting. He has also undertaken consultancy assignments in Taxation, Financial Investment, Financial Reporting, and Auditing within the Public and Private sectors.

Earlier in his career, he held senior administrative roles at the University of Nairobi, rising to the position of Assistant Registrar. He was subsequently appointed as the Finance Coordinator and Liaison Officer in the School of Business, where he managed and coordinated Self-Sponsored Student Programmes (Module II), supporting the University’s revenue generation initiatives. Over the years, he has supervised numerous PhD theses and Master’s research projects in Finance, Banking, Taxation and Accounting. Dr. Murage also served as Treasurer of the Universities' Academic Staff Union (UASU) - UoN Chapter, having been elected to the position by his fellow Dons. In addition, he served as a Member of the Research and Development Committee of the Institute of Certified Public Accountants of Kenya (ICPAK). He is also a founder Member of Committee on Fiscal Studies (CFS) at the University of Nairobi. Dr. Murage is widely published in peer-reviewed Business Management and Financials journals.

Dr. Murage has contributed extensively to education governance, serving as Chairman of the Board of Management at Siakago Boys High School for six years. He also served as a Member and Vice Chairperson of the Board of Management at Siakago Girls High School for six years, and as a Member of the Board of Governors at Siakago Day Secondary School for three years. Currently, he serves as a Member of the Board of Governors of Mbeere North Technical and Vocational College.

Dr. Murage holds a Doctor of Philosophy (PhD) in Business Administration (Finance option), a Master of Business Administration (MBA - Accounting option), and a Bachelor’s Degree in Social Sciences, all from the University of Nairobi. He is a Certified Public Accountant of Kenya (CPA-K), a Certified Secretary (CS-K), and a Certified ISO Lead Auditor. He is also an active Member of the Institute of Certified Public Accountants of Kenya (ICPAK) in good standing.

Mr. Sam Muturi – Chief Executive Officer

Mr. Sam Muturi joined Consolidated Bank as the Chief Executive Officer on 11th October 2022.

He joins the Bank from Kenya Commercial Bank where he was the Director, Mortgage Business. He has over 25 years’ working experience in Banking primarily obtained at Kenya Commercial Bank, where he worked in various positions within the Bank and gained valuable experience in Leadership & Supervision, Credit Analysis & Management, Policy and Compliance, Risk Management, Strategic Management and Customer/Relationship Management. He has immense knowledge and skills in growing a Bank’s Corporate/MSME/Retail/Personal Banking, Diaspora/Money Transfer Business, Retail & Commercial Mortgage Business, Project Management and Mortgage business.

He holds a Masters of Business Administration Degree from the University of Nairobi and a Bachelors of Art Degree in Economics and Business Studies from Kenyatta University. He also holds a Practitioner Diploma in Executive Coaching from the Academy of Executive Coaching (United Kingdom) and has had training on Mastering Emotional Intelligence, High Performance Coaching and Practical Project Management Principles, Inside MasterCard Operations and Visa Europe Training on Business Management amongst others.

Mr. Michael Maingi Mbuva - Principal Officer, Consolidated Bancassurance Intermediary Limited

Michael Mbuva joined Consolidated Bank in January 2025 as the Principal Officer, Consolidated Bancassurance Intermediary Limited which is a subsidiary of the Bank.

Michael is an accomplished strategic manager with extensive experience in business management across multiple sectors, including Insurance, Banking, and Real Estate.

Michael joins the Bank from Kimisitu Insurance Agency (subsidiary of Kimisitu Sacco Ltd) where he was the Principal Officer. His role included developing and executing growth strategies, managing financials, ensuring customer satisfaction, and maintaining compliance with regulatory standards. Prior to this position, he served as a Brokers Relationship Manager at CIC with a focus on business development, broker relationship management, adherence to regulatory compliance. His role as an Executive Officer at Medifinance Ltd (subsidiary of KMA Sacco Ltd) and Branch Manager at Xplico Insurance have honed his skills in leadership, strategic management and business development.

Michael holds a Master’s Degree in Business Administration (Strategic Management) from Kenyatta University, a Bachelor of Commerce Degree (Marketing) from the Catholic University of Eastern Africa and a Diploma in Insurance from the Chartered Insurance Institute (London).

Michael also holds a Certificate of Proficiency in Insurance from the College of Insurance.

Ms. Rose N. Mukoba - Ag. Head of Human Resources

Ms. Rose Mukoba joined Consolidated Bank in April 2006 as a Human Resource Officer and has honed her skills in Human Resource Management in the last 18 years.

She has a strong background in talent management, performance management, employee relations, compensation and benefits and HR strategy development. She has played a key role in aligning HR policies with business objectives, ensuring a productive and engaged workforce, and driving HR innovation.

Rose was promoted to the position of Human Resources Manager at Consolidated Bank, a position she held for 11 years, where she was responsible for overseeing recruitment, performance management, employee relations and implementation of a HR information system.

She holds a Bachelor of Education (Arts) Degree from Kenyatta University, is a Certified Human Resource Practitioner (CHRP-K) and has a Diploma in Human Resources Management from the Kenya Institute of Management. Additionally, she has undergone leadership training including the Bullet Proof Manager Leadership Program (Crestcom) and the Trustee Development Program Kenya.

She is a practicing member of the Institute of Human Resources Management (IHRM) and has served on key committees, including the Bank’s Disciplinary Committee, the Human Resources Committee of the Kenya Bankers Association, and as a Trustee of the Bank’s Staff Retirement Benefits Scheme from 2012 to 2020.

Mr. Albert B.A Anjichi - Ag. Head of Legal & Company Secretary

Albert B.A Anjichi joined Consolidated Bank in 2016.

Albert is an accomplished Advocate of the High Court of Kenya, Company Secretary, and Governance expert with over fifteen (15) years of professional experience in the legal practice specializing in commercial law, labour relations, dispute resolution, securities, legal and regulatory compliance, litigation and corporate governance. Prior to joining the Bank, Albert worked with the ABSA Bank of Kenya Limited and Manani Lilan & Mwetich Company Advocates.

Albert holds a Master of Business Management Degree from the United States International University (USIU), a Bachelor of Law (LL.B) Degree from Moi University, a post-graduate Diploma in Law from Kenya School of Law, and is a Certified Company Secretary (CPS-Kenya).

Albert is an active member of the Institute of Certified Secretaries of Kenya (ICS-K) and the Law Society of Kenya (LSK) and has a Certification in Legal Audit & Compliance and Environmental, Social and Governance (ESG).

Mr. Tom Ochieng Ndalo - Chief Commercial Officer

Tom Ochieng Ndalo joined the Bank in the position of Chief Commercial Officer on 1st August 2023.

Tom has vast experience in the Financial sector especially in the area of Banking both in practical work experience and Consulting. He has been a Senior Advisor for various international entities in areas pertaining Legal, Trusts, Offshore Corporate Structuring and Corporate Financing, Private Banking and Wealth Management. Prior to joining the Bank, he worked for Eco Bank Incorporated as an Executive Director and Cluster Head of Domestic Banking (East Africa), KCB Group in the position of Regional Manager where he led the Business Development Unit in Corporate, Retail, Credit, Risk and Human Capital Management. He also worked at KCB Group as Head of Retail Sales, focusing on Personal Banking, MSME’s, Advantage Banking, Mortgages and Alternative Channels and also as a Senior Manager in Corporate & Institutional Banking. Prior to joining KCB Group, Tom worked at Cooperative Bank as Head of Retail Sales and at Barclays Bank as a Senior Branch Manager.

He holds a Bachelor of Arts (Economics) degree from Kenyatta University, an MBA (Strategic Management) degree from Maseno University, a Bachelors of Law (LLB) degree from University of Nairobi, a Masters of Law (LLM) degree from University of Nairobi and a Diploma in Law from the Kenya School of Law. He holds several professional Certifications in Banking Leadership, Customer Service Excellence, Ethics and Governance, Control, AML and KYC.

Mr. Japheth Kisilu – Chief Commercial Officer

Japheth Kisilu joined the Bank in 2004 as the Chief Accountant. He was previously at Africa Media Group as the East Africa Region Finance Manager. He has also gained accounting experience from Price Waterhouse (Kampala and Nairobi) and Ernst & Young (London and Nairobi) in various managerial and supervisory positions.

He holds a Masters of Business Administration degree in Strategic Management from Moi University, a Bachelor of Commerce degree (Accounting Option) from University of Nairobi and has attended numerous training courses in Management and Leadership. He is a Fellow of the Institute of Chartered Accountants in England and Wales (ICAEW) and a member of ICPAK.Fina

Mr. George Kipkoech Rutto - Head of Internal Audit

George Kipkoech Rutto is a career banker with over 27 years’ experience. He joined Consolidated Bank in 2007. His stint in banking began at National Bank of Kenya where he started as a Management Trainee and rose to Manager, Audit. He later joined Credit Bank as Head of Internal Audit.

He holds a Masters of Business Administration in Finance from the University of Nairobi and has a double major Bachelor’s Degree in Finance and Accounts from USIU-Nairobi. Additionally he is a Certified Public Accountant of Kenya (CPA-K) holder from Strathmore University. He has been awarded Certificates of Commendation and Fellowship by ICPAK in recognition of service to the accounting profession. George Rutto is also the Chairman, Board of Trustees of the USIU Alumni Association and a member of the Institute of Certified Public Accountants – Kenya (ICPAK), Kenya Institute of Management (KIM) and Institute of Internal Auditors.

Mr. Edward Nthuli - Head of Operations and Central Processing

Edward Nthuli joined Consolidated Bank in 2005 holding the position of Operations Rigour Manager and later Risk and Compliance Manager before taking up his current role. He has previously worked for Barclays Bank of Kenya as a Retail Manager, Premier Manager and a Business Manager.

He holds a Bachelor’s degree in Commerce from University of Nairobi and has taken a host of courses in Audit, Risk and Governance as well as Financial Risk Management. Edward Nthuli is a Trustee of the Consolidated Bank Pension Scheme.

Mr. Fred Kipchirchir Ronoh – Head of Finance & Administration

Fred Ronoh joined Consolidated Bank in 2005. He has over 15 years’ experience in Banking having risen up the ranks from a Management Trainee at Consolidated Bank to Manager, Financial Accounting. He previously worked for Kenindia Assurance Company Ltd as a Finance Administrative Officer.

He holds a Bachelor of Commerce Degree (Accounting) Second Class Honors, Upper Division from the Catholic University of Eastern Africa and currently pursuing a MBA in Strategic Management. In addition, he is a Certified Public Accountant of Kenya (CPA-K) and a member of the Institute of Certified Public Accountants of Kenya (ICPAK). Fred Ronoh was a nominated Trustee member for the Consolidated Bank of Kenya Ltd Staff Retirement Benefits Scheme (SRBS) for the period 2015-2021.

Mrs. Josephine Munyiva Mutunga - Ag. Chief Commercial Officer and Head of Corporate Banking

Josephine Mutunga joined Consolidated Bank in 2011 as the Head of Risk and Compliance before taking up her role as Head of Retail and SME in 2014. She previously worked for GT Bank (Formerly Fina Bank) as Head of Risk and Compliance, at Sidian Bank (Formerly Krep Bank) as General Manager Enterprise Risk and at Prime Bank.

She holds a Bachelor of Commerce degree (Accounting Option) with an Upper Class Honors from the University of Nairobi and a Diploma in Advanced Risk Management in Banking and Finance from Sweden. Josephine Mutunga additionally holds a Diploma in AKIB, is a Certified Public Accountant of Kenya (CPA-K) as well as a Certified Lead Auditor for QMS Systems.

Lilian Aoko Peters - Ag. Head of Retail & SME

Lilian joined Consolidated Bank in February 2024 as the Manager, Personal Banking and SME, and currently serves as the acting Head of Retail and SME a position she assumed in June 2026.

Lilian is a seasoned banking professional with over 15 years of experience in Relationship Management, Retail Banking, SME Banking, Sales Coordination, and Business Development. Lilian has a proven track record of driving business growth, customer acquisition, portfolio expansion and team performance across leading financial institutions. Throughout her career, she has held several leadership and relationship management positions, including Relationship Manager – Schemes and Sales Coordination at EcoBank Kenya Limited, Relationship Manager at Guaranty Trust Bank Kenya Limited, Relationship Manager – Digital Banking at Eco Bank Kenya Limited, Relationship Officer at Eco Bank Kenya Limited and New Business Officer at Standard Chartered Bank Kenya Limited. Her extensive experience spans Customer Relationship Management, Scheme Management, Retail and Digital Banking, Sales Leadership, Business Development, strategic Partnerships and Performance Management.

She has successfully led teams of over 30 Direct Sales Agents and Relationship Officers, signed and managed numerous institutional partnerships and Memoranda of Understanding (MOUs) and consistently exceeded business growth and revenue targets. Notably, she on-boarded more than 30 new institutional schemes between 2022 and 2023 and played a key role in expanding Retail and Asset portfolios across multiple regions.

Throughout her career, Lilian has received several recognitions for her outstanding performance, including the Employee of the Year Award for excellence in portfolio growth and customer service, a Certificate of Recognition for Excellent Service Delivery, and multiple awards for exceeding sales and revenue targets. She has also demonstrated strong leadership capabilities through regional team management roles, mentoring and developing sales teams, and driving the adoption of innovative banking solutions and digital channels.

Lilian holds a Master of Business Administration (Strategic Management) from the Catholic University of Eastern Africa, a Bachelor of Science in Food Science and Technology from Jomo Kenyatta University of Agriculture and Technology (JKUAT) and is a Certified Public Accountant of Kenya (CPA-K). She is a member of the Institute of Certified Public Accountants of Kenya (ICPAK) and has further strengthened her expertise through professional training in Customer Relationship Management, Anti-money Laundering and Terrorism Financing, Credit Management, Solution selling, Product distribution channels and effective Sales Management.

Mr. Adrian Obote – Ag. Head of ICT

Adrian Obote joined Consolidated Bank of Kenya Ltd in 2016 as Information Security Manager, where he was responsible for establishing and strengthening the Bank’s information security governance, cybersecurity controls and regulatory compliance frameworks. Over the years, he has played a key role in advancing the Bank’s technology risk posture, infrastructure modernization and digital capability development.

Adrian is currently serving as Acting Head of ICT, providing strategic leadership in Enterprise Technology, Cybersecurity, Digital Transformation and ICT Risk Governance. In this role, he drives the alignment of technology strategy with corporate objectives, oversees ICT capital investments and systems modernization initiatives, and strengthens the Bank’s Cyber resilience, risk management and Governance frameworks within a dynamic regulatory environment.

Adrian holds a Master of Science in Distributed Computing Technologies from the University of Nairobi and a Bachelor of Science in Computer Science (Software Engineering option) from Kenyatta University.

Adrian is a Certified Information Systems Auditor (CISA) and Certified Information Security Manager (CISM) and a member of ISACA Kenya Chapter as well as the Computer Society of Kenya.

Mr. Martin Omido Mmata – Head of ICT

Martin Mmata joined Consolidated Bank in 2016 as the Head of ICT. Previously he worked at Harambee Sacco Society Limited as the Head of ICT. He has also worked for Old Mutual Kenya as the ICT and Infrastructure Manager and at Pan Africa Life Assurance as a Division Manager - ICT.

He holds a Master of Business Administration degree (Strategic Management) from Africa Nazarene University. He also has a Bachelor in Information Sciences (Information Technology) from Moi University. He is a Certified Information Security Manager by ISACA (Information Systems Audit & Control Association) and Strathmore University. Martin Mmata was named the ICT Manager of the Year 2015, an award by the Information Communication and Technology Association of Kenya (ICTAK). He is a member of ISACA and the Information Sciences Alumni.

Mr. Joel K. Busienei – Head of ICT

Joel K. Busienei joined the Bank in the position of Head of ICT on 18th September 2023.

He has extensive experience in IT Management in the Banking and Telecommunications Industries. Previously, Joel served as the Group General Manager for IT Platforms and Infrastructure at Equity Group. Prior to that, he was the Group Head of Networks and Data Centre Infrastructure at NCBA Group PLC. He also worked at the Commercial Bank of Africa as Head of IT Infrastructure, where he served in various positions within the bank gaining valuable IT experience and at Telkom Kenya Limited as an Assistant Manager in the IT department.

Joel holds a Bachelor of Science Degree in Technology from the University of Eastern Africa, Baraton and a Master's degree in Business Administration (Strategic Management) from the University of Nairobi.

He also has professional certifications in CCNA, VMware, PMP, ITIL, AWS Certification, Prince2, BOU RTGS system, and PERAGU systems.

Mrs. Wakonyo Igeria - Company Secretary/Head of Legal Services

Wakonyo Gicuhi - Igeria joined Consolidated Bank in 2004 as the Legal officer before taking up her current role as the Head of Legal Services/Company Secretary in the same year. Wakonyo is a Certified Secretary. Wakonyo’s legal career spans through ten (10) years in legal practice (encompassing Civil Litigation, Commercial and Conveyancing engagements), four (4) years in the Power Sector and seventeen (19) in the Banking Industry.

She holds a Bachelor of Law degree (2nd Class Honors) from the University of Dar-es-Salam and has attended a host of training courses in Credit Control, Total Quality Management and International Trade Finance among others.

She is a Commissioner of Oaths and a Notary Public. She is also a Governance Auditor, a Certified Professional Coach (ICF Accredited), a Certified Professional Mediator (MTI Accredited) and a Certified Mediation Trainer (MTI Accredited). She is a member of the Law Society of Kenya and the Christian Lawyers Fellowship.

Mr. Harrison Mativo Muthoka – Head of Risk and Compliance

Harrison Mativo Muthoka is currently the Head of Risk and Compliance at Consolidated Bank of Kenya Limited and heading the Risk Management & Compliance Department. He is a seasoned banker with over 19 years banking experience having previously worked with Diamond Trust Bank Kenya Limited, Stanbic Bank and Bank of Baroda (Kenya) Limited in various capacities.

Harrison holds a Master of Tax and Customs Administration Degree from Moi University and a Bachelor of Commerce degree (Accounting Option) from The University of Nairobi. He is a Certified Information Systems Auditor (CISA), a Certified Public Accountant of Kenya CPA(K), Certified Fraud Examiner (CFE) and a Certified Anti-Money Laundering Specialist (CAMS).

He is a member of the Institute of Certified Public Accountants of Kenya (ICPAK), Information Systems Audit and Control Association (ISACA), the Association of Certified Fraud Examiners (ACFE) and the Association of Certified Anti- Money Laundering Specialists (ACAMS).

CPA Jackson Kiptala Talibong - Head of Credit (Ag.)

Jackson joined Consolidated Bank of Kenya in 2005.

Jackson is a highly accomplished banking professional with over 20 years of experience having risen up the ranks from a Graduate Clerk to a Manager, Credit analysis; a position he held until his most recent appointment as the acting Head of Credit. He is vastly experienced in the Banking Industry with experience honed in Credit Analysis, Branch Management, Corporate Banking, Operations Management, Business Development, Regulatory Compliance, and Leadership. Throughout his career at Consolidated Bank, he has held several leadership positions including Branch Manager for Embakasi, Eldoret and Isiolo branches, Relationship Manager – Corporate Banking, Operations Manager and Credit Analyst.

Jackson has successfully led the turnaround of two (2) previously loss-making branches into profitable business units while significantly growing Assets and Liabilities. He has also played a key role in fostering a strong risk culture, driving operational excellence, mentoring staff, and strengthening customer relationships.

Jackson holds a Master of Business Administration (Finance) from Kenyatta University, a Bachelor of Business Management (Banking and Finance) from Egerton University, and is a Certified Public Accountant of Kenya (CPA-K). He is also an active Member of the Institute of Certified Public Accountants of Kenya (ICPAK) in good standing. He has further enhanced his professional expertise through extensive training in Credit Risk Management, SME Banking, Trade Finance, Treasury Management, Leadership, Negotiation and Branch Management.