Annette brings on board 20 years of banking experience with strong attributes in business strategy formulation and development, governance, customer service excellence, and risk management.

Annette joined dfcu Bank as Chief Retail Banking Officer where she will be the Executive Head responsible for driving and delivering our strategy through Personal, Commercial and Enterprise Banking Segments.

Prior to joining dfcu, Annette worked as Head of Public Sector for Business and Commercial Banking at Stanbic Bank where she delivered sustainable solutions that positively impacted the livelihood of Ugandans.

Annette also worked as the Chief Business Officer at Orient Bank, where she led the Commercial Banking team after making her mark at Absa bank (formerly Barclays Bank) where she worked for 18 years in various roles, the last one being the Ag. Retail Banking Director.

Annette holds a Bachelor of Science Degree in Mathematics and Economics from Makerere University. She is Certified in Commercial and Advanced Credit Skills by the London Institute of Banking and Finance. She has training in Global Entrepreneurship from the International Business Development Academy in the Hague, Netherlands.

In 2019, she completed the Transformation to Business Leadership program from Institute for Management Development (IMD) Lausanne, Switzerland.