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Annual General Meeting 2026

Focused on People, Shaping the Future, Rooted in Purpose.

Date:
April 25, 2026
Time:
1pm
Hybrid Meeting:
In-person:
  • Trinidad (host location) – Police Credit Union Flagship Building, Eastern Main Road, Barataria
  • Tobago – Shaw Park Cultural Complex
Online:
ZOOM Meeting
Sign Up
Notice of Meeting
  • Special no-interest loan approved for persons wishing to attend in-person. Click here for additional details and to apply. AGM Loan

How it works

PRE-REGISTER

Pre-register!

CHECK YOUR EMAIL

All preregistered 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.

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 2025 AGM. Get highlights and download the latest Annual Report to stay updated on our financial performance.

Annual Report 2024

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.

AGM Attendance Loan

A 1-Year Interest-Free Loan is available to members in Tobago wishing to attend AGM in Trinidad or those in Trinidad wishing to attend AGM in Tobago. Conditions Apply

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

Ancil Forde

Inspector of Police, Ag.
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Ancil Forde

 

Place Of Employment:
Trinidad and Tobago Police Service (TTPS)

Occupation:
Inspector of Police Ag.

Academic Qualifications:
Associate of Arts, Labour Studies

Interest/Hobbies:
Peoples Welfare | Health and Fitness | Running | Hiking | Swimming | Dancing | Research

Skills/Training/Education:
Industrial Relations | Collective bargaining | Conflict Resolution | Coaching and Mentoring | Tribunal Practice | Techniques in Lecturing, Media Engagement | Public Speaking | Fraud Investigations | Fingerprint Expert

Volunteer Experience:
Secretary of the Police Welfare Association (2019-2022)
Central Committee Representative (Police Assoc.) (2017-2019) 
PTA President (La Horquetta South Gov’t Primary School (2016-2017)

Past Service to RHAND:
Supervisory Committee (2018-2019)

Years Membership:
27 years

Additional Information:
Media Ambassador for the Trinidad and Tobago Police Service 2018 to present. (TV6’s Morning Edition). 
Knowledgeable in Laws of Trinidad and Tobago. 
Training in: Leadership | HRM | SHRM | Marketing | Change Management | Project Management | Leading and Managing Organisational Resources | Business Ethics and Corporate Governance | Principles of Accounts | Principles of Business | Corporate Innovation and Entrepreneurship | Finance Management.

Herschell Barker

Attorney-at-law
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Herschell Barker

 

Place Of Employment:
Office of the Attorney General

Occupation:
Attorney-at-law

Academic Qualifications:
Legal Education Certificate

Interest/Hobbies:
Mentoring | Fitness | Writing

Skills/Training/Education:
Public Speaking | Legal Analysis | Corporate Governance | Compliance

Volunteer Experience: 
President, Songs of Shalom Productions
President, Youth Arm PECU
Student Representative, BPP University

Years Membership: 10 years

Additional Information:
LLB | Diploma in Business Management 

Jacqueline Charles

Permanent Secretary (Pre-retirement)
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Jacqueline Charles

 

Place Of Employment:
Ministry of Education 

Occupation:
Permanent Secretary (Pre-retirement)

Academic Qualifications:
EMBA with Distinction

Interest/Hobbies:
Religion | Reading | Outdoor Activities

Skills/Training/Education:
Strategic Planning | Corporate Turnaround

Volunteer Experience:
ALTA -Adult Literacy Tutors association

Years Membership:
34 years

Joscelyn Archer

Management and Project Management Professional
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Joscelyn Archer

 

Occupation:
Management and Project Management Professional

Academic Qualifications:
MSc. Project Management

Interest/Hobbies:
Sports & Cultural Activities | Reading | Researching

Skills/Training/Education:
Supervisory | Creative 

Years Membership:
30+ years

Linda Renaud-Medford

Functional Specialist (Payroll)
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Linda Renaud-Medford

 

Place Of Employment:
Ministry of Public Administration and Artificial Intelligence

Occupation:
Functional Specialist (Payroll)

Academic Qualifications:
Master’s, Public Sector Management 

Interest/Hobbies:
Netball | Cricket | Reading

Skills/Training/Education:
Tutoring

Volunteer Experience:
Tutoring youths and adults

Past Service To RHAND:
Supervisory Committee (2 years)
Alternate, Board of Directors (3years)

Years Membership:
46 years

Any Additional Information:
Experience in Payroll and Auditing

Pamela Ogiste

Assistant Chief Election Officer
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Pamela Ogiste

 

Place Of Employment:
Elections and Boundaries Commission

Occupation:
Assistant Chief Election Officer

Academic Qualifications:
Diploma in Human Resource Management
Certificate in Public Administration 
Election Management Training

Interest/Hobbies:
Reading | Movies | Beach Activities | Puzzles | Volunteerism | Fitness

Skills/Training/Education:
Yearly Anti-Money Laundering training – Financial Intelligence Unit (FIU).
Credit Union Regulations and Compliance.
Election Management: Managerial Oversight of Election Processes at the Elections and Boundaries Commission.
Communication Skills: Clear, Accurate, and Professional Communication with Internal and External Stakeholders. 
Project and Risk Management

Volunteer Experience:
Over eighteen years of service within the Credit Union movement, contributing: Time | Expertise | Leadership

Past Service To RHAND: 
Supervisory Committee (12 years)
Board of Directors (3 years)

Years Membership:
27 years

Additional Information:
Experience in: Finance | Accounting | Business Management

Sherwin Williams

Area Operations Manager
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Sherwin Williams

 

Place Of Employment:
National Insurance Board of Trinidad & Tobago

Occupation:
Area Operations Manager

Academic Qualifications:
Technical Diploma, Business Management
Association of Chartered Certified Accountants (ACCA)
MSc. Professional Accountancy (With Merit)

Interest/Hobbies:
Hiking | Running | Walking | Reading

Skills/Training/Education: 
Expert in: Accounting | Business Management | Pension Plan Management | Financial Management
Competence in: Governance | Strategic Planning | Communication | Public Speaking
Knowledgeable in: Marketing/Promotions | Compliance Enforcement | Information Technology | Human Resource/Industrial Relations
Solutions Oriented | Strong Interpersonal Skills | Technical Thinker 

Volunteer Experience:
Member, Caribbean Institute of Education (NGO)
Former Member, Finance Committee – Santa Rosa RC Church.

Past Service To RHAND:
Board of Directors (2023-2026)

Years Membership:
32 years

Additional Information:
NIBTT Award for Dedicated Service to the NIBTT for 28 years.
NIBTT Award for Long Service 
NIBTT Award for Outstanding Performance
ACCA Award for Audit and Assurance Final Paper 

Credit Committee

Akil Sterling

Plant Process Operator
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Akil Sterling

 

Place of Employment:
Water and Sewerage Authority of Trinidad & Tobago (WASA)

Occupation:
Plant Process Operator

Academic Qualifications:
BSc. Water & Wastewater Management Services and Technology

Interest/Hobbies: 
Studying | Reading | Learning

Skills/Training/Education:
Accounting | Finance 

Past service to RHAND Credit Union:
Substitute, Credit Committee

Years of Membership:
16 years

Ashaki Noel

Best Village Officer II
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Ashaki Noel

 

Place of Employment: 
Ministry of Culture & Community Development

Occupation:
Best Village Officer II

Academic Qualifications:

Six (6) CXC Passes
CAT Level A
Certificate in Leadership  
ACCA (currently pursuing)

Interest/Hobbies: 
Reading | Dancing | Listening to Music  

Skills/Training/Education:
Leadership | Communication | Team Work | Financial Management  

Volunteer Experience:
Ministry’s  Food Drive | CEP programs | Assistance where needed to the public (food, shelter, clothes, finance)

Past Service to RHAND:
Education and Events Committee
Children’s Christmas Party

Years Membership:
18 years

Kabrina Morris-Jack

Executive Assistant
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Kabrina Morris-Jack

 

Place of Employment: 
Trinidad and Tobago Housing Development Cooperation

Occupation:
Executive Assistant

Academic Qualifications:
Associate Degree Labour Studies
Certificate, Business Studies (Administration Professional Secretary)
BSc. Human Resource Management (currently pursuing)

Interest/Hobbies: 
Hiking | Aerobics | Travelling

Skills/Training/Education:
Computer | Negotiation

Volunteer Experience:
Chairperson and Secretary, Public Services Association Union Representative

Years Membership:
19 years

Additional Information:
Risk Assessment and Decision Making
Policy Compliance and Regulatory knowledge
Data Driven Negotiations

Keisha Martin

Branch Administrator
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Keisha Martin

 

Place of Employment: 
Nagico Insurances Trinidad and Tobago

Occupation:
Branch Administrator

Academic Qualifications:
Certified Accounting Technician (CAT)
Certificate In Insurance (CERT CII) 

Interest/Hobbies: 
Travelling | Social Networking/Stakeholder Relations | Community Engagement | Writing Poetry | Hiking | Adventure 

Skills/Training/Education:
Accounting | Insurance | Real Estate | Networking | Sales 

Volunteer Experience:
8 years Travel Services for Groups and Individuals (FREE)

Past Service to RHAND:
Member & Secretary, Credit Committee 

Years Membership:
7 years

Additional Information:
Owner of Reflexion Views and KLM T&T 

Krystal Alexander

Social Worker
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Krystal Alexander

 

Place of Employment: 
Tobago Regional Health Authority

Occupation:
Social Worker

Academic Qualifications:
Master’s, Instructional Design and Technology 
Master’s, Social Work 

Interest/Hobbies: 
Travelling | Reading 

Skills/Training/Education:
Credit Union Management | Practical Accounting | Life Coaching 

Volunteer Experience:
Public Relations Officer, Scarborough Methodist Primary School’s Parent-Teacher Association (PTA) (2024-present)
Volunteer, Community Emergency Response Team (CERT) (2021-present)
 Zonal President, Trinidad and Tobago Association of Social Worker (TTASW) (2012-2014)

Past Service to RHAND:
Alternate, Credit Committee (2021-2022)
Secretary, Credit Committee (2022-2024)

Years Membership:
8 years

Stacy Monroe-Frank

Investigations Officer
Read More
Stacy Monroe-Frank

 

Place of Employment: 
Police Complaints Authority

Occupation:
Investigations Officer

Academic Qualifications:
MSc. Strategic Leadership and Management

Interest/Hobbies: 
Hiking | Baking | Event Management

Past Service to RHAND:
Chairman, Credit Committee (1 year)
Credit Committee (2 years)

Years Membership:
6 years

Tracy-Ann Ramkissoon

Risk Management
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Tracy-Ann Ramkissoon

 

Place of Employment: 
Children’s Authority of Trinidad and Tobago

Occupation:
Risk Management 

Academic Qualifications:
Master’s, Disaster Risk Management and Climate Governance

Skills/Training/Education:
Credit Analysis | Risk Management | Open Water Diver

Years Membership:
6 years

Supervisory Committee

Alicia London

Economic Teacher
Read More
Alicia London

 

Place of Employment: 
Bishop’s High School, Tobago

Occupation:
Economic Teacher

Academic Qualifications:
MSc. Economics
BSc. Economics 

Interest/Hobbies: 
Hiking | Football | Finance | Reading | Travel 

Skills/Training/Education:
Leadership | Problem Solving | Team Player 

Volunteer Experience:
Beach Clean-ups | Volunteer at Church 

Years Membership:
12 years

Erica Charles

Retiree
Read More
Erica Charles

 

Occupation:
Retiree

Academic Qualifications:
Certificate, Credit Union Management
Diploma & Certificate, Emergency Management
Participation Certificates, Co-operative Credit Union League of Trinidad and Tobago on all aspects of Credit Union Management and Procedures.

Interest/Hobbies: 
Reading | Hiking | Dancing

Skills/Training/Education:
Teaching Supervisory procedures to new members

Volunteer Experience:
Supervisory and Credit Committees of GPCU Credit Union
Leader/Assessor of President Award of Trinidad and Tobago.

Past Service to RHAND:
Secretary & Chairperson, Supervisory Committee
Liaison Officer
Assist in review of Annual Report
Assist at Children’s Christmas Party

Years Membership:
37 years

Joanna Mungal

Security Coordinator
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Joanna Mungal

 

Place of Employment: 
National Infrastructure Development Company Limited (NIDCO)

Occupation:
Security Coordinator

Academic Qualifications:
BSc. Criminology and Public Safety
ASc. Occupational Safety and Health
MSc. Strategic Leadership and Management (currently pursuing)  

Interest/Hobbies: 
Hiking | Camping | Swimming | Outdoor Activities | Puzzles & Board Games  

Skills/Training/Education:
Experienced Investigator: Homicides | Financial Fraud | Intelligence | Human Resource
Trained & Experienced in: Law Enforcement | Security Management | Airborne Law Enforcement
Certified in: Supervisory Management | Use of Force and Conflict Management | Public Relations
Knowledgeable in: Strategic Leadership and Management

Volunteer Experience:
American Society for Industrial Security (ASIS) – POS Chapter
Trinidad & Tobago Chapter of the United States and Caribbean Alliance of Criminal and Social Justice Professionals (TTUSCA) an affiliate of National Association of Blacks in Criminal Justice (NABCJ)
Former Secretary, Kiwanis International (Kiwanian)
Leader/Staff, The President’s Awards of Trinidad and Tobago (TPATT)
Alumni Committee, Cipriani College of Labour and Cooperative Studies
Alumni, University of Trinidad and Tobago (UTT
Alumni, Arima Government Secondary School
Trinidad and Tobago Red Cross Society
St Mary’s Children’s Home
Arouca Adventurer and Pathfinder Clubs
Five-Fold Covenant Ministries (FFCM)
Assisting the less fortunate

Past Service to RHAND:
Support RHAND events/activities for both children and adults

Years Membership:
13 years

Additional Information:
Head, Women’s Ministry at Five-Fold Covenant Ministries
Leader, Five-Fold Covenant Ministries

Kirk Pantin

Best Village Officer II
Read More
Kirk Pantin

 

Place of Employment: 
Best Village Officer II

Occupation:
Ministry of Culture and Community Development

Academic Qualifications:
Bachelor’s of Arts (incomplete)

Years Membership:
28 years

Martin Gibbs

Auditor
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Martin Gibbs

 

Place of Employment: 
Customs And Excise Division

Occupation:
Auditor

Academic Qualifications:
BSc. Project Management

Interest/Hobbies: 
Cricket | Football | All Fours | Movies 

Skills/Training/Education:
Auditor General’s Department (41 years)
Customs And Excise Division (8 years)

Volunteer Experience:
Education Committee and Education Sub-Committees – several years
Governance Committee (1 year)
Audit Committee (1 year)
Hr/Ir Committee (1 year)

Past Service to RHAND:
Member, Board of Directors (1991-present)
Supervisory Committee (1 year)  

Years Membership:
44 years

Additional Information:
Knowledgeable in: Information Technology Certificate, Microsoft Applications
Sound Knowledge of: Accounting and Auditing principles
Planning and Execution of Audits of Ministries, Statutory boards and State Enterprises
Experience in traininng staff to carry out required auditing job functions

Michelle Burris

Community Development Coordinator
Read More
Michelle Burris

 

Place of Employment: 
THA – Division of Community Development and Social Protection

Occupation:
Community Development Coordinator

Academic Qualifications:
Master’s, Business Administration

Interest/Hobbies: 
Sewing, Drapery & Soft Furnishings | Long-distance Walking & Exercising | Hiking | Travelling

Skills/Training/Education:
Financial Management: Budgeting | Financial Analysis | Credit Assessment
Project Management: Strategic Planning | Stakeholder Engagement | Process
Improvement Leadership & Training: Team Leadership | Conflict Resolution
Mediation Technical Proficiency: Microsoft Office Suite | Business Writing | Financial Statements

Volunteer Experience:
Women’s Church Group
Community Group Activities

Past Service to RHAND:
1st Substitute, Supervisory Committee (2023-2024)
Member, Supervisory Committee (2024-2025)
Secretary, Supervisory Committee (2024-2026)

Years Membership:
14 years

Additional Information:
Certified Development Educator – CARIBde48 (2024)

Nadine Ellis

Human Resource Advisor II
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Nadine Ellis

 

Place of Employment: 
Personnel Department

Occupation:
Human Resource Adviser II

Academic Qualifications:
Post Graduate Diploma, International Relations

Interest/Hobbies: 
Community Service | Sign Language Interpretation | Reading | Walking | Camping

Skills/Training/Education:
Attests Financial Statements And Loan Portfolios for the Credit Union
Conduct Oversight Reviews of the Credit Union’s Internal Governance, Risk Management, Human Resources Policies, and Relevant Legislations

Volunteer Experience:
President & Secretary, Princes Town Leo’s Club (1989-1991)
Board Member, Trinidad and Tobago Association for the Hearing Impaired/Dretchi (2010-2015)
Interview Panilist, UWI/Republic Bank Limited World of Work Sessions (2024-2026) 
Liason Officer, Ministry of Foreign and Caricom Affairs, and Ministry of Finance – Caricom Heads of Government Meeting (2010 & 2013) 

Past Service to RHAND:
Supervisory Committee
Human Resource/Industrial Relations Committee
Education Assistance Sub-Committee

Years Membership:
27 years

Additional Information:
Member, Human Resource Management Association Of Trinidad And Tobago
Draft Legal Briefs on Grievance Issues and Other Related Matters
Interpret and Apply the Human Resource (Hr) Policies that Governs the Public Service

Oriyomi Eastman

Senior Human Resource Officer (Ag.)
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Oriyomi Eastman

 

Place of Employment: 
Ministry of Culture and Community Development

Occupation:
Senior Human Resource Officer (Ag.)

Academic Qualifications:
BSc. Public Sector Management with a Minor in International Relations
BSc. Accounting

Interest/Hobbies:
Theatre Arts | Reading

Volunteer Experience:
Past President, Kiwanis Club of St. Augustine

Years Membership:
5 years

Shaunelle Chinapoo

Attorney-at-Law
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Shaunelle Chinapoo

 

Place of Employment: 
Private Practice

Occupation:
Attorney-at-Law 

Academic Qualifications:
Legal Education Certificate

Interest/Hobbies: 
Reading | Painting | Travelling  

Skills/Training/Education:
Regulatory Expertise | Corporate Governance | Compliance | AML/CFT | Accounting | Policy Development  

Volunteer Experience:
AFETT

Past Service to RHAND:
2nd Substitute, Supervisory Committee (1 year)

Years Membership:
11 years

Sparkle Inniss

Registered Mental Nurse
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Sparkle Inniss

 

Place of Employment: 
Tobago Regional Health Authority

Occupation:
Registered Mental Nurse

Academic Qualifications:
BSc. Psychiatric Nursing

Interest/Hobbies: 
Physical Fitness | Reading Books | Credit Union Management Course 

Skills/Training/Education:
Supervisory Committee Operational Audit Processes
Understanding Financial Statements
AML/CFT/CPF Training
CAMELS and PEARLS Systems 
CaribDe 56 Graduate. 

Volunteer Experience:
Community Work

Past Service to RHAND:
2nd Substitute, Supervisory Committee (2023-2024)
Member, Supervisory Committee (2024-2026)

Years Membership:
5 years

Additional Information:
Computer Literate | Good Oral & Written Communication Skills | Team Player | Dependable | Proactive 

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