Hellen Makanza wa Stanbic katika sakata la Tegeta Escrow Account

[timbilimu]

Is a transactional lawyer specializing in banking, corporate and commercial contracting in the sectors of manufacturing, transport, distribution, mining, real estate and Government affairs. She has experience in drafting and reviewing corporate agreements as well as identifying and advising on legal risks in commercial and banking transactions. Ms. Makanza has worked with numerous local and international clients in company formation, commercial transaction structuring and security offerings in the East Africa region. She joins Forbix Attorneys after a long career in prominent banking institutions throughout Africa.



Career


Partner, Forbix Attorneys, 2012 – Present
Advocate, High Court of Tanzania, since 2011
Regional Head Credit Legal, Stanbic Bank Tanzania Limited 2009 – 2011
Head of Credit Support, Stanbic Bank Tanzania Limited 2007 – 2009
Company Secretary and Head of Legal, African Banking Corporation Tanzania Limited 2004 – 2007
Head Legal and Compliance, African Banking Corporation Tanzania Limited 2002 – 2004
Trainee, MRN&M Advocates, Dar Es Salaam, Tanzania 2002 – 2003

Qualification


LL.M (Law) – University of Kent – Canterbury, 2000 – 2002
LL.B (Law) – University of Bedfordshire, 1997 – 2000

Kiutendaji anaweza akawa shahidi muhimu lakini hii kashfa inawahusu walioko juu yake. Kutakuwa na mkono kutoka ktk Bodi ya Stanbic utakao kuwa ulitoa amri ya haya malipo. Tutafute majina ya Wakurugenzi wa Kitanzania waliopo ktk Bodi ya hii bank na mahusiano yao na Ikulu. Mama Hawa Sanare bado ni Mkurugenzi?

 

[reandle]

Hiyo yote inafanyika lakini kumbuka mwandila Check ndiye anaconfirm amemlipa vendor wake,na verification inafanyika pia ila kwa kiwango gani?Amelipwa mshiko sidhani kama kutakuwepo na proper verification.

Mie nimetolea mfano wa cheki zinazolipwa na serikali... yeyote anaweza kuandika cheki lakini lazima isainiwe na signatories wa akaunti husika under given signing arrangement.

Kwa mfano tuchukulie contractor amejenga madarasa na client ni shule husika. Katika mazingira kama hayo, akaunti ya shule itakuwa na 4 signatories arranged into two groups. Kundi la kwanza ni watu wa Halmashauri... hapa atakuwa DED na Afisa Elimu na kundi la Pili atakuwa Mwalimu Mkuu na Mmoja wa wazazi kutoka kwenye kamati ya shule. Signing arrangement ili kutoa pesa ita-demand two signatures... one from group A na nyingine from Group B. Katika mazingira kama hayo, DED na Afisa Elimu peke yao hawawezi kutoa pesa kwa sababu wanatoka same group.

Sasa tu-assume cheki imeshaandikwa na kupigwa two signatures, one from each group... mpaka hapo kila kitu kipo sawa na mteja/contractor anapewa cheki yake. Baada ya hapo Contractor anaenda benki kwa ajili ya kuvuta mpunga!

Kabla ya ku-authorize payment, Bank Officer si tu anatakiwa kujiridhisha kwamba kuna two signatures... swali la kwanza, je hizo signatures zina-comply na contracted signing arrangement? Yaani, one from group A na nyingine from group B. Hapa mara nyingi kama sio zote huwa hapana tatizo... bankers wana-comply na signing arrangements.

Swali linalofuata, je checklist imefika? Sasa hapa ndipo penye tatizo. Wengi wakishaona checklist imefika na kusainiwa, wana-authorize payments. Kiutaratibu, contractor kabla hajapewa cheki yake, checklist inatakiwa iwe imeshafika benki. Lakini inatokea mara nyingi sana Contractor anapewa cheki kabla checklist haijapelekwa benki na sababu inayowafanya wafanye hivyo ni pale Contractor anapokuwa kiguu na njia kufuatilia cheki yake! Ili kuepusha usumbufu, unakuta watu wanaamua kutoa cheki kabla ya checklist haijaenda benki.

Lakini hilo sio tatizo sana! Lakini inatokea wakati mwingine watu wanaiba cheki husika na kwavile wanafahamu haiwezi kulipwa bila checklist, watakachofanya ni kufoji checklist na kama nayo ilikuwa tayari na yenyewe wanaweza kuipiga! Sasa basi, Banker anapojiridhisha kwamba signing arrangement zote zipo okay na bado anapiga simu(say) kwa DED or DT kuuliza kuhusu checklist iliyopo, ni kwamba kama iliibiwa ama cheki au checklist au vyote kwa pamoja, inakuwa ni kama unatoa alert kwa wahusika kwamba payment ipo underway any moment!

Hata hivyo, si kwamba Banker asipopiga simu atakuwa ametenda dhambi lakini kunawengine wanatoa instructions kabisa kwamba any amount exceeding TZS X, must be verified through phone conversation. Na kama hiyo instruction ipo na wewe hujaifuata, likitokea la kutokea jumba bovu ni la kwako! Na huwa wanatoa hizo instructions kwavile wanakuwa wameshawahi kupigwa hapo kabla!

 

[MUAMMAR]

Katika mazingira ya kawaida, statement inachukuliwa kaunta lakini kwa status ya PAP, muhusika atakuwa alichukulia statement kwa manager au mtu wa chini yake! Statement ikishatolewa, ni lazima ipigwe muhuri na kusainiwa na muhuri unakuwa available kwa staff and anyone can sign provided ni official signatory kwahiyo not necessarily kwamba anayesaini lazima awe ndio huyo Head of Legal Service. Na hata ukisoma hiki cheo (Head of Legal Service)... huyu sio banker na mara nyingi kama sio zote hawa watu wankuwa HQ.

That's one but second, kutoa na kusaini statement hakuna uhusiano wowote na kufahamu wapi transaction inaelekea... transaction inaweza kuwa imefanyika miaka kumi iliyopita na statement ikatolewa na kusainiwa leo!! Mtu pekee ambae anaweza kujibu swali la wapi pesa zimeenda ni mtu anayehusika na money transfer... huyu anaweza kuwa ofisa wa kawaida tu lakini kwa kuwa transaction zenyewe ni kubwa sana basi LAZIMA Branch Manager na/au assistance wake watakuwa wali-approve hizo transfer. Hivyo basi, mbali na Money Transfer Officer (or whatever the title they call), wengine walio kwenye nafasi ya kujibu ni meneja na assistance wake (for dual signature)

.
Kwa hela hii Branch manager wala mtu yoyote wa chini hawezi jaribu kufanya TRANSFER HII KAMWE!Labda NMB lakin kwa mabenki haya ya kigeni lazima itoke authority ya CREDIT HEAD AMA VINGINEVYO.HAPA WATU WAKUBWA WANAJUA VIZUR SANA BM,yeye atakutana na karatasi ama e-mail na ku-reply tu si zaid ya hapo

 

[Fundisi Muhapa]

Naanza kuwa na wasiwasi kuwa wanaopewaga kazi kinyemela ni mapandikizi kuja kufanikisha miradi ya kipigaji.

Tukumbuke wale watoto wa vigogo BOT kipindi cha EPA... Na sasa huyu wa Stanbic.... na kuna wengine. Yani magamba wamejibanza kila kona kutafuna rasilimali za taifa

Only way kuwashughulikia ni kuwang'oa haraka sana. In fact, tunazidi kuchelewa mizizi yao inasambaa kama Ebola!! Uvundo wa machafuko unaenea kwa kasi ya ajabu...

 

[tpaul]

Kwenye business as usual yeyote anaweza kusaini... na kweli wengi wanafanya hivi lakini kisheria, statement ni very sensitive document ambayo can'tbe signed by any one! Kwenye mabenki wana sample signatures... bonge la kitabu ambalo lina majina na signatures wa bank signatories mbalimbali. Hawa ndio wanaopaswa kusaini statements.

Don't forget, watu wanatumia statement za benki moja kwenda kuchukua mkopo benki nyingine kwahiyo signature inayotakiwa kuwapo kwenye statement ni ile ambayo, statement ikipelekwa kokote nchini, itakuwa verified kwenye sample signatures!

Kama ndivyo basi, wote waliofacilitate wizi huu watapatikana kirahisi sana.

 

[tpaul]

Anayepewa account Statement ni Authorised signatory tu haitolewi kama njugu
Swali hapo
Je ni Sethalienda kuchukua?
Je kwa nini isainie na head wa Legal na si front desk customer care?

hapa ndipo penye harufu ya UFISADI!

 

[xoy]

Kwani si alikimbilia uganda kwa nn asifuatwe aje kutoa ushahidi..tunataka kuwajua waliobeba kwa viroba!

 

[KING COBRA]

Katika mazingira ya kawaida, statement inachukuliwa kaunta lakini kwa status ya PAP, muhusika atakuwa alichukulia statement kwa manager au mtu wa chini yake! Statement ikishatolewa, ni lazima ipigwe muhuri na kusainiwa na muhuri unakuwa available kwa staff and anyone can sign provided ni official signatory kwahiyo not necessarily kwamba anayesaini lazima awe ndio huyo Head of Legal Service. Na hata ukisoma hiki cheo (Head of Legal Service)... huyu sio banker na mara nyingi kama sio zote hawa watu wankuwa HQ.

That's one but second, kutoa na kusaini statement hakuna uhusiano wowote na kufahamu wapi transaction inaelekea... transaction inaweza kuwa imefanyika miaka kumi iliyopita na statement ikatolewa na kusainiwa leo!! Mtu pekee ambae anaweza kujibu swali la wapi pesa zimeenda ni mtu anayehusika na money transfer... huyu anaweza kuwa ofisa wa kawaida tu lakini kwa kuwa transaction zenyewe ni kubwa sana basi LAZIMA Branch Manager na/au assistance wake watakuwa wali-approve hizo transfer. Hivyo basi, mbali na Money Transfer Officer (or whatever the title they call), wengine walio kwenye nafasi ya kujibu ni meneja na assistance wake (for dual signature)

Haya yote ni ya kweli Mkuu lakini usidhani hayo yanawezekana kwa issue ya PAP ambaye ametoa cashs 72.3Billions kwa siku moja.

Marais wote wanaweza kupokelewa na Waziri lakini sio kwa Rais Obama!!!
Singa Singa anatisha!!!
Wakati anatoa pesa Polisi ilibidi makamanda wote wawepo

 

[babu M]

Huyu tutakuwa tunamuonea kama tunataka kujua majina ya wahusika.
Huyu anaweza kuombwa ushauri wa taratibu zakuingiza au kutoa pesa bila hata kupewa jina.

 

[Inkoskaz]

Huyu tutakuwa tunamuonea kama tunataka kujua majina ya wahusika.
Huyu anaweza kuombwa ushauri wa taratibu zakuingiza au kutoa pesa bila hata kupewa jina.

ni kweli babu M
ni shahidi muhimu kusaidia.kujua undani wa jambo hili

 

[reandle]

.
Kwa hela hii Branch manager wala mtu yoyote wa chini hawezi jaribu kufanya TRANSFER HII KAMWE!Labda NMB lakin kwa mabenki haya ya kigeni lazima itoke authority ya CREDIT HEAD AMA VINGINEVYO.HAPA WATU WAKUBWA WANAJUA VIZUR SANA BM,yeye atakutana na karatasi ama e-mail na ku-reply tu si zaid ya hapo

For what I know, hivi viwango vinategemea kutoka kwa ofisa mmoja hadi mwingine, branch moja hadi jingine na in fact, kutoka bank moja hadi nyingine! Mathalani, hiyo NMB uliyoitaja, approving limit ya Branch Manager wa Bank House au NMB House haiwezi kuwa sawa na approving limit ya meneja wa Mazengo Branch! Hata among the tellers, approving limit zinatofautiana, more likely, pamoja na mambo mengine, transaction volumes nazo zina-matter. Kwa mfano, Teller wa Ngudu Branch ukimpa access ya ku-transact up to 10 million, kuna uwezekano wiki mzima asimsumbue mtu lakini ukitoa same amount kwa Teller wa NMB House, basi Manager au ofisa wa juu hatakuwa na kazi nyingine zaidi ya kwenda kwenye teller cubicle ku-approve/ku-overwrite transactions kila wakati.

Tukirudi upande wa mabenki kwa ujumla wake, NMB uliyoizungumzia, ndo haiwezekani kabisa kwavile, hata transaction ya 500 M kwa NMB ni kubwa mno! Lakini kwa hizi multinational banks, hiyo ni transaction ya kawaida kabisa. Na ukizingatia kwamba PAP ipo Main Branch (Center) siwezi kushangaa BM akipewa big approving limit otherwise, kila wakati itakuwa ni suala la kupiga simu kumuita higher authorizing officer. But all in all, hii inategemea sana na taratibu zao ambazo tayari wameziweka kwamba up to amount X inaweza kuwa approved na manager wa ngazi fulani na inapovuka that amount, lazima approval ifanywe na manager wa ngazi fulani... take manager as higher banking official and not a manager per se.

 

[reandle]

Haya yote ni ya kweli Mkuu lakini usidhani hayo yanawezekana kwa issue ya PAP ambaye ametoa cashs 72.3Billions kwa siku moja.

Marais wote wanaweza kupokelewa na Waziri lakini sio kwa Rais Obama!!!
Singa Singa anatisha!!!
Wakati anatoa pesa Polisi ilibidi makamanda wote wawepo

Unayosema ni kweli na ndio maana hata mimi nilichosema ni kwamba ingawaje statement inachukuliwa kaunta kwa mtu kama Singasinga hawezi kuchukulia Kaunta bali kwa Meneja au mtu wa chini kidogo na sio Kaunta.

Hoja yangu mimi ni kwamba, huyo aliyesaini si lazima awe ndie aliyefanya hiyo transaction na ndio maana nikatoa mfano kwamba, transaction inaweza ikawa imefanyika miaka kumi liyopita lakini statement ikatolewa na kusaini leo. Lakini vilevile, ukiangalia hizo transaction na tarehe ya huo muhuli vimeachana sana... wakati transactions zimefanyika mwaka jana mwishoni, hiyo statement imetolewa mwaka huu... soma hapo juu kulia mwa statement "Statement from 27/11/2013 to 15/09/2014.

Hivyo basi, bila shaka hiyo statement ilitolewa at the request of TAKUKURU na ndio maana ikasainiwa na Company Secretary ambae ndie muhusika wa masuala ya kisheria ya kampuni... TAKUKURU requested it for legal purposes and it had to be signed by legal person from the bank.

 

[Tetty]

Kwani si alikimbilia uganda kwa nn asifuatwe aje kutoa ushahidi..tunataka kuwajua waliobeba kwa viroba!

Nani huyu aliyekimbilia Uganda?Mbona mie nadhani tunachohitaji ni kuwajua tu ili tupate namna ya kuwatoa kwenye nafasi za kuongoza Taifa.

 

[reandle]

Kama ndivyo basi, wote waliofacilitate wizi huu watapatikana kirahisi sana.

Pesa ikishapitia benki, tracing ni rahisi sana na ndio majizi yaliyokubuhu benki zao ni vyumba vyao!!! Majizi yaliyokubuhu hayatakatishi pesa kwa kupitia benki hata siku moja bali yanatakatisha kupitia investment kama vile real estates na mambo mengine kama hayo.

 

[Kiranga]

Anamuita Getrude Mongela aunt ...kaka tatizo Nchi Hii wote wenye kazi Ndio Hao Hao ....atakaa VIPi lockup ya takukuru

Speaking of networks.

Ana uhusiano na jaji Makanza?

 

[Buldoza]

Sio kweli labda itaratibu wa huko hamana

Hahahahaaa!!! AMANA BANK.

 

[reandle]

Anayepewa account Statement ni Authorised signatory tu haitolewi kama njugu
Swali hapo
Je ni Sethalienda kuchukua?
Je kwa nini isainie na head wa Legal na si front desk customer care?

Hiyo statement ukiingalia vuzuri utapata jibu kwanini haikuwa signed na mtu wa front desk or anyone wa operations na badala yake head of legal service. Hizo transactions ni za mwaka jana wakati statement ni ya september 2014. Kwahiyo kuna uwezekano mkubwa kwamba ilikuwa requested na TAKUKURU au watu wengine kama hao for legal purposes na ndio maana imesainiwa na Head of Legal Services.

 

[Abdulhalim]

Sasa unataka kusema nini? Tunachota sisi atusaidie kuwapata wezi ili warudishe fedha zetu. Understand?

Wewe mganga wa kienyeji sasa ni kipi hukielewi? Mi nimeshamaliza kuchangia ktk uzi huu..

 

[Zogwale]

Wakuu kwa utaratibu wa benki kama kiasi cha hela ni kikubwa kinachukuliwa huwa kina taratibu zake. Kuna kiwango ambacho ni maximum kwa teller na kikizidi hapo anampa supervisor aangalie na kiwango cha supervisor nacho kina kikomo na kikizidi hapo ni hot issue ni lazima kipite kwa branch manager au assistant wake. Kwa mfano kuna mtu alikuwa anahamisha hela zake benki her banker na kupeleka anaother benk her banker as well. Kwa kuwa kilikuwa ni kiwango kikubwa hivi ilibidi CEO wa benki ile aingilie kati na kumalizana kibiashara. Imagine CEO wa bank alifanya personal call kwa mteja. Kwa mantiki hii hela ya Stanbic manager alihusika na ndiyo maana as we are talking ameshakuwa deported back to Uganda. Ila pia ni janja ya nyani angebaki hapa ashughulikiwe ipasavyo!!! Mafisadi hasa Singasinga ni hatari sana. Na kule Uganda utasikia amekimbia nchi!!! So easy and take my words.

 

[Zogwale]

Hiyo statement ukiingalia vuzuri utapata jibu kwanini haikuwa signed na mtu wa front desk or anyone wa operations na badala yake head of legal service. Hizo transactions ni za mwaka jana wakati statement ni ya september 2014. Kwahiyo kuna uwezekano mkubwa kwamba ilikuwa requested na TAKUKURU au watu wengine kama hao for legal purposes na ndio maana imesainiwa na Head of Legal Services.

You arevery right, wakati walipopelekewa barua kufanikisha hiyo statements na CAG or TAKUKURU inakuwa ni legal matters so wanasheria wanahusika kufanya hivyo na si mtu mwingine yeyote yule. Hivyo wana print na kuwapatia watie mhuri!!! Kama walivyosema wengine hizo hela zina chain ya uongozi wa benki kote zilikopita iwe Stanbic au Mkombozi.