Welcome to
The 76th Annual General Meeting
The 76TH Annual General Meeting of RHAND Credit Union Co-operative Society Limited will be held on Saturday 20th April at 1:00pm.
This year the AGM takes on a Hybrid format, offering both online and in-person attendance:
- Online : Via Zoom Online Meeting Portal.
- In Person Trinidad : Police Credit Union Flagship Auditorium (seating capacity 250)
In Person : Tobago 2nd Floor Meeting Room, Shaw Park Cultural Complex, Shaw Park, Tobago (seating capacity 150)
In an effort to improve your experience at the meeting we are encouraging all members to review the Annual Report and other documents below and ask any questions in the comment section below each item.
How it works
PRE-REGISTER
Closed!
CHECK YOUR EMAIL
All pre-registered members will receive an email containing a Unique Meeting ID needed to participate in the meeting and instruction on how to attend. Please note that your Unique Meeting ID should be kept confidential and must not be shared.
SET UP ZOOM
Check out this link for resources to help you get set up with a Zoom account ahead of time.
ATTEND
All attendees should be signed-in and/or seated 15 minutes before start of meeting.
Resources
Everything you need to be ready for the 2023 AGM. Get highlights and download the latest Annual Report to stay updated on our financial performance.
Annual Report 2023
Prepare for informed decisions by delving into our comprehensive Annual Report. Explore our achievements, challenges, and financial performance to ensure an engaged and empowered experience.
Standing Orders
Gain clarity and understanding of meeting procedures by reviewing our Meeting Standing Orders now.
Bye-Laws
Prepare for our upcoming AGM with confidence by reviewing our Bye Laws, ensuring you’re equipped with the necessary knowledge for active participation and informed decision-making.
FAQ´s
Find answers to your questions about attending and participating at the AGM with our comprehensive FAQs section.
Resolutions by Member
In accordance with Article 16(b) of the Bye – Laws of RHAND Credit Union, here are two resolutions intended for the attention of the general membership. This will be presented at the AGM.
President's Message
View the President of the Board of Directors, Ms. Simone Petal Dawn Huggin’s, address to members at the 76th Annual General Meeting.
2024 Budget Projections
View the General Manger, Mr. Ainsley Andrew’s, video recording of the Budget Projections for 2024.
2023 Financial Position
View the General Manger, Mr. Ainsley Andrew’s, video recording of the Financial Position for 2023.
Know your candidates
Find brief biographies and videos for the upcoming nominees for our Board of Directors, Supervisory and Credit Committees below.
Board of Directors
Brian Bernard Caesar
Clerk of the House of Representatives
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Brian Bernard Caesar
Click to view video.
Occupation: Clerk of the House of Representatives
Place of Employment: Parliament of the Republic of Trinidad and Tobago
Years of Membership: 10 Years
Academic Qualifications: MSc. Business Administration; Post Grad Diplomas in Leadership and Corporate Governance; BSc. Management
Skills/Training/Education: Strategic Planning & Management; Corporate Governance; Dynamic Forward-Thinking Leader; Financially Literate; Good Oral & Written Skills; Human Resource/Industrial Relations
Past Service to RHAND Credit Union: Board of Directors; Chair AGM Committee; Chair HR/IR Committee; VP & Chair Education Committee; Member of the Governance Committee
Hobbies/Interest: Passionate about Youth Involvement in the Credit Union; Running; Cycling; avid Chess Player
Desiree Hackett-Murray
Senior Financial Advisor (Ag.)
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Desiree Hackett-Murray
Click to view video
Occupation: Senior Financial Advisor (Ag.)
Place of Employment: Unit Trust Corporation of Trinidad and Tobago
Years of Membership: 15 Years
Academic Qualifications: BSc. Business Administration; IBAF Certified Financial Advisor; Certified Life Coach; John Maxwell Leadership Training Workshop
Skills/Training/Education: Strategic Planning; Financial Management & Control; Marketing/Promotions; Information Technology; Communication & Public Speaking
(Other) Volunteerism: Financial Empowerment Classes; Led Ushering Teams for Gospel Concerts; Planned and coordinated workshops for Gen Z’s & Millennials on personal & professional development; Served on Regional Board of Directors University of the Southern Caribbean; Volunteered on the THA Business Development Unit Fund Management Committee.
Hobbies/Interests: Reading, Aerobics, Baking; Horticulture
Ivor Superville
Retiree
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Ivor Superville
Click to view video
Occupation: Retiree
Years of Membership: 20 Years
Academic Qualifications: MBA; Association of Chartered Certified Accountants (ACCA) Graduate; Post Graduate Diploma – Finance; Post Graduate Certificate in Petroleum Law
Skills/Training/Education: Strategic Thinker; Financially Literate; Good Oral & Written Communication Skills
Past Service to RHAND Credit Union: Board of Directors 2022-2023
(Other) Volunteerism: Chair of Village Council & Evangelical Church; Credit Department of a Financial Institution
Hobbies/Interest: Gardening; Construction
Joy Benjamin
Business Operations Assistant II
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Joy Benjamin
Click to view video
Occupation: Business Operations Assistant II
Place of Employment: Office of the Attorney General & Ministry of Legal Affairs
Years of Membership: 6 Years
Academic Qualifications: MSc Global Studies; BSc Political Science; Minor in Human Resource Management & International Relations
Skills/Training/Education: Leadership & Management; Government Regulations Experience; Strategic Planning; Marketing/Promotions; Oral & Written Communications Skills; Human Resource/Industrial Relations
Other Volunteerism: Member of Morvant/Laventille School Board; Director of Helping Other People Elevate (Non Profit-Organization); Past Director of “I Am Laventille” Foundation; Past Vice Chairman & Public Relations Officer for a Youth Group; St. Francois Girls Mentorship Programme
Hobbies/Interest: Makeup Artistry
Kelvin T. Martin
Business Owner
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Kelvin T. Martin
Click to view video
Occupation: Business Owner, Lagniappe Bakery Café
Place of Employment:
Years of Membership: 20 Years
Academic Qualifications: Diploma – Industrial Management
Skills/Training/Education: Managing Business; Leadership; Financially Literate; Good Oral & Written Communication Skills; Human Resource/Industrial Relations
Other Volunteerism: Supervisory Committee TECU Credit Union (1989-1991)
Hobbies/Interest: Sporting Activities – Managed Southern Games and Regional Cricket Tournaments
Linda Renaud-Medford
Functional Specialist (Payroll)
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Linda Renaud-Medford
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Occupation: Functional Specialist (Payroll)
Place of Employment: Ministry of Public Administration
Years of Membership: 44 Years
Academic Qualifications: MSc Public Sector Management; BSc. Management Studies (Special) A’levels; O’levels; Nec Level 1: Food Preparation, Cake Decoration & Mixed Craft
Skills/Training/Education: Government Accounting; Auditing; Payroll; Financial Management; Strategic Thinking; Good Oral & Written Communication Skills
Past Service to RHAND Credit Union: Director and Assistant Secretary – Cummings Fraser Foundation 2024-2025; 2nd & 1st Alternate, Board of Directors (2022-2024); Member, Audit Committee (2021-2024); Member, Education Committee (2022-2024); Chair, Social Affairs Committee (2022-2023); Chair, Youth Sub-Committee (2022-2023); 2nd & 1st Alternate Supervisory Committee (2019-2021)
Other Volunteerism: 38 yrs Tutoring & Supervising Adult Education Programme
Hobbies/Interests: Netball; Cricket; Mixed Craft
Simone Petal Dawn Huggins
Accounting Executive I (Ag.)
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Simone Petal Dawn Huggins
Click to view video
Occupation: Accounting Executive I (Ag)
Place of Employment: Ministry of Rural Development and Local Government
Years of Membership: 29 Years
Academic Qualifications: Master of Business Administration (MBA); B.Ed. (Hons) in Early Childhood Development & Family Studies; CaribDE 44 “Development Educator”; Qualified London Montessori Early Childhood Teacher; Certified ITTT English Tutor; Professional Certificate in Events Management; CARICAD’S Introduction to Leadership; Certificate of Participation in “Managing the Wave of Change”; Certificate of Participation in Business Etiquette & Protocol
Skills/Training/Education: Leadership; Strategic Planning; Financial Management & Control; Conflict Resolution; Good Oral & Written Communication Skills; Public Speaking
Past Service to RHAND Credit Union: President, Board of Directors (2023-2024); Director and Vice-Chair, Cummings Fraser Foundation (2023-2024); Secretary, Board of Directors (2022-2023); Assistant Secretary, Board of Directors (2021-2022); Current Member Education Sub-Assistance Committee 2023/2024; Past Chair, Education Assistance Committee
Other Volunteerism: Current Vice Chair, St James Secondary School Local School Board (2023-2024); Past President, St James Secondary School Parent Teacher Network; Past Chairperson, St James Secondary School Local School Board; Past Chairperson, Joint Consultative Committee (JCC)-PSA; Member, OSHA Committee, Ministry of Rural Development & Local Government; Past Assistant Coordinator, Moms for Literacy Caribbean
Hobbies/Interest: Youth Mentorship & Involvement in the Credit Union
Zwade Smith
Business Owner
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Zwade Smith
Click to view video
Occupation: Business Owner of ZJS Real Estate Services
Place of Employment: Ministry of Works & Transport
Years of Membership: 6 Years
Academic Qualifications: BSc Marketing and Research
Skills/Training/Education: Marketing/Promotions; Financially Literate; Communication & Public Speaking; Governance Experience
Other Volunteerism: Personal charitable contributions to various organizations
Hobbies/Interest: Travelling; Hiking; Sports
Credit Committee
Carolyn Byer
Head of Technical Department
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Carolyn Byer
Click to view video
Occupation: Head of Technical Department
Place of Employment: Ministry of Education
Years of Membership: 32 Years
Academic Qualifications: BSc. Family and Consumer Science; Diploma in Education; Diploma in Home Economics, Dressmaking & Design; Diploma in Technical Teacher Training
Skills/Training/Education: Management in an Educational Institution; Strategic Planning; Good Oral & Written Communication Skills; Human Resource/Industrial Relations; Training Skills – Certificate in Fashion Design – UTT; Certificate in Principals’ Workshop – Min. of Education
Past service to RHAND Credit Union: Credit Committee; Outfitted Uniforms for RHAND’s Female Staff; Volunteer Tutor for MSDP Programme for 22 years (Garment Construction and Children’s Garments)
(Other) Volunteerism: CaribDe 44 – Caribbean Development Education Member for Credit Unions; Prepared CSEC students for Textiles, Clothing & Fashion Examinations
Hobbies/Interest: Recreational Walking; Swimming; Cooking; Sewing
Craig Forbes-Warner
Human Resource Development Officer
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Craig Forbes-Warner
Click to view video
Occupation: Human Resource Development Officer
Place of Employment: THA – Division of Education, Research & Technology
Years of Membership: 30 Years
Academic Qualifications: BSc. Business Administration – International Finance, Association of Chartered Certified Accountants – ACCA Level 1
Skills/Training/Education: Financial Management & Control; Personal Financial Advising/Investments; Anti-Money Laundering; Good Oral & Written Communication Skills
Other Volunteerism:Les Cotaux Village Council
Hobbies/Interest: Reading; Travelling; Running
Keisha Martin
Account Executive/Branch Administrator
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Keisha Martin
Click to view video
Occupation: Account Executive/Branch Administrator
Place of Employment: NAGICO Insurances Trinidad & Tobago Ltd.
Years of Membership: 5 Years
Academic Qualifications: Certified Accounting Technician/Foundation in Accountancy; Chartered Insurance Institute; CXC
Skills/Training/Education: Management Experience; Insurance; Anti-Money Laundering & Combating Terrorist Financing; Marketing/Promotions; Networking; Customer Service Skills; Oral & Written Communication Skills, Human Resource/Industrial Relations
Other Volunteerism: One on One interactions with Youth for SBA, providing guidance and a listening ear
Hobbies/Interest: Composing Poems & Songs; Travel; Dance; Meeting & Interacting with people
Margaret Williams
Retiree
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Margaret Williams
Click to view video
Occupation: Retiree
Years of Membership: 35 Years
Academic Qualifications: BA Labour Relations
Skills/Training/Education: Management Experience; Financial Management & Control; Good Oral & Written Communication Skills; Information Technology; Legal Expertise; Human Resource/Industrial Relations
(Other) Volunteerism: Management Experience; Financial Management & Control; Good Oral & Written Communication Skills; Information Technology; Legal Expertise; Human Resource/Industrial Relations
Hobbies/Interest: Netball; Cooking; Table Tennis
Shelé Johnson-Edwards
Branch Manager
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Shelé Johnson-Edwards
Click to view video
Occupation: Branch Manager
Place of Employment: Agricultural Development Bank
Years of Membership: 2 Years
Academic Qualifications: MSc. & BSc. in Business Administration; Association of Chartered Certified Accountants – ACCA LEVEL 1; ACCA Level 2 (currently pursuing)
Skills/Training/Education: Management Experience; Outstanding Leadership & Motivational Skills; Financial Management & Control; Oral & Written Communication Skills; Information Technology; Human Resource/Industrial Relation; Strong Interpersonal Skills
(Other) Volunteerism: Youth Ministry Leader of Buccoo Moravian Church; Worship Leader
Hobbies/Interest: Tutor (CSEC Principles of Accounts with 95% Pass Rate); Teen Mentorship
Stephanie Elias
Accounting Reconciliation Officer
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Stephanie Elias
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Occupation: Accounting Reconciliation Officer
Place of Employment: Ministry of Finance
Years of Membership: 42 Years
Academic Qualifications: Diploma & Certificates in Public Relations; CXC
Skills/Training/Education: Financial Management & Control; Governance Experience; Oral & Written Communication Skills
(Other) Volunteerism: Former Asst. Secretary – Friendly Society (now closed)
Hobbies/Interest: Meeting People; Travelling; Singing
Tesfa Watson
Field Monitor
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Tesfa Watson
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Occupation: Field Monitor
Place of Employment: Public Transport Service Corporation (PTSC)
Years of Membership: 3 Years
Academic Qualifications: Certificates in Radio & Television Broadcasting; CXC
Skills/Training/Education: Customer Service; Oral & Written Communication; Marketing/Promotions
Past service to RHAND Credit Union: 1st Substitute, Credit Committee
Hobbies/Interest: Playing Bass Guitar; Listening to Motivational Speakers
Supervisory Committee
Davy Gerard Rajah
Chief Executive Officer
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Davy Gerard Rajah
Click to view video
Occupation: Chief Executive Officer
Place of Employment: Betting Levy Board
Years of Membership: 40 Years
Academic Qualifications: MBA; BSc. Government/Political Science; Minor in Human Resource Management & Public Sector Management; Certificate in Public Administration (currently pursuing LLB – Graduating May 2024)
Skills/Training/Education: Leadership; Critical & Strategic Thinking; Interpersonal/Management Relationship Skills, Financial Management and Control, Human Resource/Industrial Relations, Mediation Skills, Project management; Oral & Written Communication Skills
Volunteerism: Extensive experience working with Community Groups in the Gonzales area (Pride in Gonzales Initiative, and C.I.T.Y.); Managed Gonzales Sheikers Steel Orchestra 2006-2011
Hobbies/Interest: Working with Community Organizations; Developing Networks
Erica Charles
Retiree
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Erica Charles
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Occupation: Retiree
Years of Membership: 35 Years
Academic Qualification: Diploma in Emergency Management; Certificate in Credit Union Management; CXC General (11 passes including – POB, POA, English, Maths and Office Procedures)
Skills/Training/Education: Financial Literacy, Oral & Written Communication Skills
Past Service to RHAND Credit Union: Supervisory Committee (2011 – 2023) – Served for 12 terms in varying capacities from Member to Secretary to Chairperson.
(Other) Volunteerism: President Awards Programme; Lector & Coordinator of St. John’s Evangelist RC Church; Various church activities
Hobbies/Interest: Reading, Cooking and Dancing
Latoya Brathwaite Celestine
Audit Partner
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Latoya Brathwaite Celestine
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Occupation: Audit Partner
Place of Employment: Garison & Company Ltd.
Years of Membership: 20 Years
Academic Qualifications: Association of Chartered Certified Accounts (ACCA) Certification; ACCA Member; Institute of Chartered Accountants Trinidad & Tobago (ICATT) Member
Skills/Training/Education: Financial Literacy & Management; Strategic Planning; Information Technology; Good Oral & Written Communication Skills; Regulatory Expertise
Hobbies/Interest: Swimming; Gardening; Game Nights
Marilyn Mora-Francis
Retiree
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Marilyn Mora-Francis
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Occupation: Retiree
Years of Membership: 40 Years
Academic Qualifications: MSc Business Management; Diploma Banking & Finance
Skills/Training/Education: Financial Literacy & Management; Payroll; Pensions; Human Resources; Strategic Planning; Leadership Functions; Oral & Written Communication Skills; Regulatory Expertise
Past Service to RHAND Credit Union: Supervisory Committee (2022-2024)
(Other) Volunteerism: Management Committee of Children’s Home; Religious Instruction in Schools
Hobbies/Interest: Exercise; Crochet; Sewing; Religious Instruction in Schools
Mesha Preddie
Registered Nurse
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Mesha Preddie
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Occupation: Registered Nurse
Place of Employment: North West Regional Health Authority
Years of Membership: 20 Years
Academic Qualifications: BSc Nursing Science; Certificate in Customer Service; CXC
Skills/Training/Education: Strategic Planning; Marketing/Promotions; Good Oral & Written Communication Skills
Hobbies/Interest: Hiking; Reading
Michelle Burris
Community Development Coordinator
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Michelle Burris
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Occupation: Community Development Coordinator
Place of Employment: THA – Division of Community Development, Youth Development & Sport
Years of Membership: 11 Years
Academic Qualification: MBA and BA (Hons) Business Management; Advanced Diploma – Administrative Management; Diploma – Marketing; Member of Institute of Chartered Certified Accountants of Trinidad & Tobago (ICATT); Fellow of the Institute of Administrative Management (IAM)
Skills/Training/Education: Extensive Business Management Experience; Banking; Financial Management; Project Management; Oral & Written Communication Skills; Marketing/Promotions; Organizational Behaviour & Human Resource Management
Past Service to RHAND Credit Union: Alternate to Supervisory Committee (2023-2024)
(Other) Volunteerism: Church activities (lecturing in entrepreneurship & business training)
Hobbies/Interest: Cooking; Baking; Reading; Drapery & Soft Furnishings; Hiking; Travelling
Patricia Williams
Review and Audit Specialist
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Patricia Williams
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Occupation: Review and Audit Specialist
Place of Employment: Ministry of Planning & Development
Years of Membership: 43 Years
Academic Qualifications: Association of Chartered Certified Accountants Certification (ACCA)
Skills/Training/Education: Anti-Money Laundering & Financial Crimes Prevention; Audit; Financial Management & Control; Financial Literacy; Strategic Planning; Management Experience; Regulatory Expertise; Oral & Written Communication Skills
Past Service to RHAND Credit Union: Supervisory Committee (over 37 years)
Hobbies/Interest: Tutor O’Level & A’Level Students; Gardening; Reading; Writing; Baking; Cooking
Renatta Moore-Dindyal
Senior Clerical Officer (Ag.)
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Renatta Moore-Dindyal
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Occupation: Senior Clerical Officer (Ag.)
Place of Employment: Port Authority of Trinidad & Tobago
Years of Membership: 19 Years
Academic Qualifications: BSc. Project Management
Skills/Training/Education: Leadership; Strategic Planning; Marketing/Promotions; Financial Management & Control; Oral & Written Communication Skills; Human Resource/Industrial Relations
(Other) Volunteerism: Port Authority of Trinidad and Tobago Sport & Cultural Club; Chair Seamen & Waterfront Workers Trade Union – Tobago Branch
Hobbies/Interest: Catering & Event Planning
Sparkle Inniss
Registered Nurse - MH/Paediatric
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Sparkle Inniss
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Occupation: Registered Nurse – Mental Health/Paediatric
Place of Employment: Tobago Regional Health Authority
Years of Membership: 2.5 Years
Academic Qualifications: BSc. Nursing
Skills/Training/Education: Information Technology; Oral & Written Communications Skills; Human Resource/Industrial Relations
Past Service to RHAND Credit Union: Supervisory Committee
(Other) Volunteerism: Christmas Events for School for Hearing Impaired
Hobbies/Interest: Walking Long Distances; Sports; Nature Activities
