First Citizens Trustee Services Team

Christopher Sandy, has been the General Manager since FCTSL began operating in 2006. He is responsible for the overall profitability and operational performance of the Company. He has over twenty-seven (27) years’ experience in the financial services industry across various disciplines including accounting, insurance, banking, trust services, and investment management. Prior to joining First Citizens in 2005, he spent eleven (11) years at a major commercial banking group and prior to that four (4) years in the insurance sector.

Tessa Clifford, an Attorney-at-Law by profession for the past 14 years, assumed the position of Manager, Trust Services at FCTSL in 2010. The services under her preview include trusteeship for bonds and other capital market securities, statutory funds, mutual funds, and government student loan funds. Her main responsibility is to ensure the proper discharge of legal and contractual obligations of the stakeholders of these trust relationships while ensuring that the interests of the trust beneficiaries are preserved.

Antoinette Ernest, Manager, Investment Monitoring and Oversight, supports FCTSL’s Trust Services and Pension Administration Departments through the oversight of the investment portfolios of the pension, mutual and other trust funds under administration. She plays a lead role in monitoring the performance of the respective fund managers for which First Citizens Trustee Services acts as trustee. Antoinette has over thirteen (13) years’ experience in the financial services industry of which she worked over eight (8) years as a professional with specialization in investment analysis, bond and equity valuations, yield curve generation and compliance monitoring with respect to bond covenants.

Joanna Blugh, Assistant Manager, Pensions Administration, works with the Senior Manager Pension Administration FCTSL’s to ensure the efficient management of Pension and Savings Plans in accordance with terms of the requisite Deeds. She has spent over eighteen (18) years within the Financial Services Sector holding both Managerial and Supervisory positions at both local and international financial organisations.