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Professional Expertise & Credentials

Photo of Kara Ledgerwood

My Approach

I am a strategy-driven operations transformation catalyst with more than 15 years’ experience delivering cross-functional impact in banking, operations, digital transformation, and organisational performance. I build clarity where there is complexity, engineer processes that scale, and guide teams through the change required to deliver measurable improvements in efficiency, compliance, customer experience, and revenue outcomes.

My work sits at the intersection of product, operations, governance, and change leadership – helping organisations lift performance, modernize systems, and build accountable, execution focused cultures.

Education

  • MS Business Psychology
  • BBA Finance
  • Associate Degree Management

Education

  • MS Business Psychology
  • BBA Finance
  • Associate Degree Management

Certifications

  • Project Management Professional (PMP)
  • Certified Scrum Product Owner (CSPO)

Certifications

  • Project Management Professional (PMP)
  • Certified Scrum Product Owner (CSPO)

Areas of Expertise

  • Product Management
  • Operations Management & Governance
  • Project Execution & Change Management
  • People Development

Areas of Expertise

  • Product Management
  • Operations Management & Governance
  • Project Execution & Change Management
  • People Development

Languages

  • English – Native
  • Spanish – Proficient

Languages

  • English – Native
  • Spanish – Proficient

Interests

  • Personal development
  • Dance, arts, and culture
  • Reiki, and traditional healing

Interests

  • Personal development
  • Dance, arts, and culture
  • Reiki, and traditional healing
Career Impact Highlights
  • Architected RBC Caribbean’s first fully digital account-opening journey, integrating six enterprise systems across ten countries – a major milestone in onboarding, compliance, and operational efficiency.
  • Reduced account-opening errors from 80% to 5% over five years by engineering a structured, data-driven redesign of the entire onboarding process.
  • Delivered the electronic cheque clearing solution in the Eastern Caribbean in partnership with regulators and regional banks – modernising how payments move across the region.
  • Led the rollout of the T24 Treasury & Money Market platform, an enterprise-grade banking engine used globally to manage assets, liquidity, and financial transactions. Provided end-to-end oversight of testing, controls integration, training, and operational readiness, resulting in stronger reconciliation accuracy and more reliable financial reporting.
  • Drove multi-country transformation programs across client onboarding, product delivery, and service operations, strengthening governance and lifting organisational performance.
Professional Experience
Independent Contractor
  • Delivering tailor-made solution recommendations to address business constraints and challenges.
  • Enhancing operational efficiency and streamlining processes to drive strategic growth.
  • Working with Coachees to unlock clarity, balance, and sustainable personal transformation.
  • Providing guidance and assistance with the development of personal action plans towards achieving personal and professional goals.
RBC Financial (Caribbean) Limited
  • Directed product performance, compliance structure, and operational integrity across the regional deposits portfolio.
  • Delivered multi-country transformation initiatives improving onboarding, regulatory alignment, and operating models.
  • Built governance frameworks that strengthened risk management, reporting accuracy, and organisational discipline.
  • Applied advanced analytics to uplift customer experience, performance consistency, and operational reliability.
  • Directed enterprise-level onboarding, investment, and insurance brokerage initiatives.
  • Redesigned operational workflows across countries to align with strategic and financial priorities.
  • Advised executives on regulatory, risk, compliance, and performance implications.
  • Led organisational change and adoption programs for multi-country sales and service teams.
  • Delivered cost-saving, efficiency-building, and process-standardisation projects across regional operational hubs.
  • Enhanced performance measurement, operational reporting, and control structures.
  • Led testing and delivery of the T24 Treasury & Money Market platform — a global system used to manage liquidity, financial instruments, investments, and cash flows.
  • Oversaw technical analysis, design coordination, and frontline training to ensure a smooth organisational transition.
  • Strengthened foundational expertise in frontline banking, compliance, customer service, and operations.
  • Earned a reputation for execution discipline, strong ethics, and delivering consistent stakeholder value.
Education & Certification Details
Education

A graduate-level degree focused on the science of workplace behaviour and organisational performance.
Key areas include:

  • Decision science — how people make choices under pressure and uncertainty
  • Leadership psychology — motivating teams, influencing behaviour, and managing resistance
  • Change dynamics — understanding how individuals and organisations adapt to transformation
  • Human-centred design — building processes, systems, and environments that support performance

This degree strengthened my ability to translate complex organisational problems into practical, people-focused solutions that increase adoption, engagement, and operational success.

An internationally recognized business degree with a strong analytical core.
Focus areas include:

  • Corporate finance and financial modelling
  • Investment theory, risk assessment, and asset management
  • Business strategy and organisational operations
  • Economic analysis and performance measurement

This foundation provided me with the financial rigour and analytical capability to evaluate business performance, improve product profitability, and strengthen operational decision-making.

My foundational qualification in organisational behaviour, business operations, and leadership.
It emphasizes:

  • Operational execution and business processes
  • People management and team performance
  • Core principles of service delivery and customer experience

This early training established the execution discipline and client-service ethos that shaped my proven leadership trajectory.

Certifications

One of the most globally respected project certifications.
The PMP demonstrates mastery in:

  • Planning and executing large cross-functional initiatives
  • Risk, scope, cost, and schedule management
  • Governance, compliance, and structured delivery frameworks
  • Stakeholder alignment and complex communications

This credential validates my ability to lead high-stakes transformational projects with discipline, accountability, and measurable outcomes.

The CSPO covers the framework, principles, and values that make scrum work, plus key skills, and tools you needed for effective product ownership. Product owners learn:

  • How to juggle multiple stakeholders’ needs.
  • Hands-on practice creating a product vision.
  • Methods to illicit customer insight. 
  • Decision-making to determine the right increment of value to bring to market next.

This credential enabled my ability to master agile principles, foster collaborative teamwork, and managing the product backlog.

Organisations
Holy Name Convent Past Pupil’s Association
  • Managed all financial reporting, risk management, and strategy for the Holy Convent Past Pupil’s Association. Ensured all goals were met to assist current and past Holy Name Convent Secondary School students.
Ordinary Executive Member · Jul 2015 – Jul 2018
  • To assist Holy Name Convent Secondary School in being the premier Secondary School in Trinidad and Tobago and to provide a forum for the spiritual, social and academic advancement of past and present students of the School.
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