The people behind CircleSave

Leadership & Team

We are fintech engineers, compliance veterans, product designers, and blockchain architects — united by a belief that cooperative savings deserve world-class infrastructure.

Executive Leadership

AO

Adaeze Okonkwo

CEO & Co-Founder

Adaeze spent eight years at Flutterwave building payment infrastructure for the continent before founding CircleSave. She holds an MBA from Harvard Business School and is a Fellow of the African Leadership Network.

Fintech strategyRegulatory relationsCBN complianceFundraising
AE

A. Emmanuel

CTO & Co-Founder

Emmanuel co-founded B2B Capital Limited and leads the technical vision behind CircleSave. He architected the double-entry ledger engine, the idempotency layer, and the blockchain bridge that connects Nigerian savings circles to the global USDC economy.

Double-entry accounting systemsBlockchain (Polygon, USDC)PostgreSQLDistributed systems
FB

Fatima Bello

Chief Financial Officer

Fatima brings 15 years of treasury and risk management experience from Access Bank, where she led the structured products desk. She oversees CircleSave's reconciliation strategy and financial controls framework.

Treasury managementReconciliationFinancial riskIFRS compliance
CN

Chidi Nwosu

Chief Compliance & Risk Officer

Chidi spent a decade as a bank examiner at the Central Bank of Nigeria before moving to the private sector. He architected CircleSave's KYC/AML framework, sanctions screening integration, and SAR filing workflows.

KYC/AMLSanctions screening (OFAC, EU)CBN regulatory complianceFATF standards
AI

Amina Ibrahim

Head of Product

Amina was a Product Lead at Paystack for five years, driving merchant onboarding and the payments API. At CircleSave, she translates the technical ledger infrastructure into an experience that any savings circle can use.

Product strategyUser researchAPI designFintech UX
FO

Efosa Obayuwana

Head of Engineering

Efosa leads the CircleSave engineering team, owning platform reliability, the reconciliation engine, and the API layer. He drives the event-driven architecture, outbox pattern implementation, and the team's test-driven culture.

Event-driven architectureIdempotency systemsTest-driven developmentAPI design

Board Advisors

OA

Dr. Olumide Adewale

Strategic Advisor

Former Deputy Governor, CBN

MN

Miriam Nkemdirim

Legal Advisor

Partner, Aluko & Oyebode

BK

Babatunde Kehinde

Blockchain Advisor

Co-founder, Lagos DeFi Alliance

How we work

Built by engineers who care about correctness.

CircleSave is engineered test-first. Before we wrote the first React component, we had 69 automated tests covering the ledger engine, contribution service, and reconciliation engine. We do not ship financial logic without proof that it is correct.

We believe financial infrastructure should be boring in the right way: predictable, immutable, and reconciled. Our engineering culture prioritizes correctness over cleverness.

  • 100% test coverage on all financial service code
  • Every PR reviewed against the double-entry invariant
  • Production incidents require a blameless post-mortem and ledger audit
  • No financial logic ships without an idempotency proof
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Remote-first

Team across Lagos, Abuja, Accra, and London

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Test-driven

69 automated tests before the first UI component

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Compliance-first

Built for regulators, not in spite of them

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Always reconciling

Five reconciliation types running continuously

Join our team

We are looking for engineers, compliance professionals, and product designers who believe financial infrastructure should be transparent, immutable, and inclusive.

Reach out