FinTech Systems Builder · WashU Olin ’26

Building systems for
local commerce,
finance, and trust.

Founder of MarketRise Capital and builder of AgentDesk. I design practical software for trader records, MoMo operations, repayment workflows, reconciliation, and field accountability. My finance work focuses on responsible working-capital infrastructure and decision systems while respecting the compliance path required for regulated financial services.

Degree MS Business Analytics (FinTech) — WashU Olin ’26
Credential CFA Level I Candidate — Aug 2026
Location St. Louis, MO — Open to Relocation
See the Work → Schedule a Call
Ventures & Builds Experience Research & Thinking
SYSTEMS WORKSTREAM
Current Focus
Commerce Finance Systems Repayment Workflows Field Accountability
Active Ventures
MarketRise Capital FinTech · Working-Capital Systems
AgentDesk Operational Intelligence · MoMo
CostCompass Analytics · Python · Streamlit
Core Competencies
Borrower Profiling Reconciliation Risk & Reporting Branch Visibility FinTech Systems KYC & Compliance
MarketRise · WashU Olin · Anum Rural Bank · Atlantic Hall ACTIVE
Joseph Amegashie, financial analyst and fintech builder
Joseph Amegashie MS Business Analytics · WashU Olin
About

From Ghana, Accra
to St. Louis, USA.

I did not come into analytics through theory alone. I came through transaction registers, missing records, KYC checks, budget variances, and the reporting bottlenecks that slow real institutions down.

At Atlantic Hall, University of Cape Coast, I built a multi-sheet Excel reporting and variance analysis system covering income, expenditure, reconciliation, indexed retrieval, and management reporting. At Anum Rural Bank, I worked on client-record and compliance operations across a 520-account portfolio, supporting KYC tracking, dormant-account review, onboarding trends, and branch-level reporting.

Through MarketRise Capital, AgentDesk, and my graduate work at WashU Olin, I am extending that same operating mindset into repayment workflows, merchant records, field accountability, and compliance-aware financial decision tools. I am interested in the part of finance where process, risk, and analysis meet -- and where better architecture leads to better decisions.

Based St. Louis, MO — Open to Relocation
Focus FinTech Systems · Operational Analytics · Credit Workflows
Available Summer / Fall 2026
View Experience → See What I'm Building →
Ventures & Work

Systems for finance.
Built from real problems.

The work now centers on a clear operating thesis: small businesses need better records, safer workflows, and more trustworthy decision systems before finance can scale responsibly. MarketRise Capital and AgentDesk carry that thesis forward, while my institutional and analytics work shows the reporting discipline behind it.

Active Venture MarketRise Capital Commerce Finance Systems · Ghana Institutional Work Atlantic Hall Financial Reporting · Excel Systems Banking Operations Anum Rural Bank KYC · Compliance · 520 Accounts Analytics Platform CostCompass 126 Cities · 199 Universities
01
FinTech · Responsible Commerce Finance Systems Live Platform

MarketRise Capital

MarketRise Capital is a commerce-finance operating system being built for Ghana's trader and small-business market. The architecture focuses on borrower records, trust-tier progression, repayment tracking, field-supported reviews, and clear decision trails. It is designed to support responsible working-capital operations without presenting MarketRise as a deposit-taking institution or a fully licensed financial provider.

Role Founder & Lead Systems Architect
Registration Registered Business Name in Ghana (2026)
Architecture Borrower records · Trust-tier logic · Repayment tracking · Field review workflows
Status Live platform -- repayment and field operations engine active
Sub-Platform · MoMo Operations
AgentDesk

MoMo operations and accountability platform for agents and business owners. Helps teams manage shifts, log transactions, reconcile cash and wallet balances, review reports, and reduce operational blind spots.

Shift Management MoMo Operations Reconciliation Operational Risk
Infrastructure Layer · Finance Operations
Responsible Finance Workflows

Workflow layer for working-capital operations: application records, approval trails, repayment schedules, payment links, receipts, and portfolio visibility. Built to keep field finance structured, auditable, and compliance-aware.

Application Records Repayment Logic Audit Trails Portfolio Visibility
Visit MarketRise Discuss the Platform →
02
Institutional Finance · Excel Systems Completed

Atlantic Hall Financial Reporting & Indexed Retrieval System

Built a multi-sheet Excel financial reporting system for Atlantic Hall, University of Cape Coast, to replace fragmented records and slow manual retrieval. The workbook combined an executive dashboard, income-budget tracking, recurrent and capital expenditure analysis, weekly transaction registers, reconciliation support, variance notes, pivot summaries, and indexed search tools for faster reporting and cleaner audit follow-through.

Role Assistant Account Officer · Atlantic Hall, University of Cape Coast
Tools Microsoft Excel · INDEX-MATCH · SUMIFS · Pivot Tables · Variance analysis
Focus Budget vs actual reporting · Indexed retrieval · Reconciliation support · Management reporting
Outcome Roughly 50% faster record retrieval and a reusable reporting architecture across 9 linked sheets
ATLANTIC HALL — FINANCIAL REPORTING & VARIANCE ANALYSIS SYSTEM
Performance Report: Jan – Jun 2022  |  University of Cape Coast  |  Hall of Residence
Budgeted Income
GH₵ 42,500
Actual Income
GH₵ 44,180
Income Variance
+1,680
Actual Expenditure
GH₵ 38,240
Net Position
GH₵ 5,940
Adverse Variances
2 Items
Line ItemBudgetActualVarianceStatus
Residential User Fees18,00019,200+1,200Favourable
Accommodation Fees12,50011,840-660Adverse
Cleaning & Sanitation4,2003,980+220Favourable
Maintenance & Repairs6,8007,820-1,020Adverse
Utilities & Services3,6003,410+190Favourable

Figures are illustrative. Structure and logic reflect the actual 9-sheet reporting workbook built for Atlantic Hall.

03
Financial Analytics · Python · Streamlit Live

CostCompass

A financial planning engine for international students navigating city-level cost decisions. It covers cash-flow decomposition, rent burden analysis, inflation-adjusted forecasting, scenario modelling, and city comparison across 126 cities and 199 university profiles. It converts living-cost assumptions into structured planning decisions rather than static expense estimates.

Role Sole Developer & Analyst
Tools Python · Streamlit · Plotly · pandas · NumPy
Coverage 126 cities · 199 university profiles · USA, UK, Canada
Outcome Live 12-module planning engine built around affordability decisions, not just expense tracking
Open CostCompass GitHub
View Operating Experience → Read the Research →
Build Journey

What I am
building in 2026.

Jan 2026

Registered MarketRise Capital in Ghana

Formalised the business as a registered entity in Ghana (BN637380526), establishing the legal foundation for a compliance-aware commerce-finance platform.

Business Registration
Q1 2026

Built Live Repayment & Field Operations Infrastructure

Designed and deployed the core borrower-record workflows, trust-tier progression logic, payment tracking, and field review engine underpinning the MarketRise Capital platform.

Repayment Infrastructure
Q1–Q2 2026

Developed AgentDesk — Operational Intelligence Platform

Built the transaction oversight and field accountability system for mobile money agent networks, including real-time monitoring, anomaly detection, and compliance coordination workflows.

AgentDesk
Q2 2026

Released AgentDesk Companion for Mobile Operations

Extended AgentDesk into an Android companion app for shift control, transaction capture, guided USSD workflows, balance checks, and field-ready reporting.

Companion App
Q2 2026

Launched CostCompass — Financial Planning Platform

Released a live financial planning system covering 126 cities and 199 university profiles, with cash-flow analysis, scenario modelling, and inflation-adjusted forecasting modules.

CostCompass
Experience

Where the work
was real.

Jan 2026 – Present Accra, Ghana

Founder & Lead Systems Architect

MarketRise Capital

Building the core architecture behind MarketRise Capital: borrower records, repayment workflows, trust-tier progression, payment tracking, and field-supported review logic. The work spans credit operations design, financial logic, and fintech product architecture while remaining careful about regulated-finance boundaries.

FinTech Systems Repayment Logic Product Strategy
2022 – 2023 Cape Coast, Ghana

Assistant Account Officer

Atlantic Hall — University of Cape Coast

Built and maintained reporting workflows for Atlantic Hall's finance operations, including budget-performance sheets, transaction registers, reconciliation support, and variance analysis notes. Produced management-ready summaries for income, recurrent expenditure, and capital expenditure, and reduced record retrieval time through indexed workbook architecture.

Financial Reporting Reconciliation Variance Analysis
Nov 2020 – May 2021 Akosombo, Ghana

Banking Operations Intern

Anum Rural Bank — Akosombo Branch

Supported client-record and compliance operations at Anum Rural Bank's Akosombo branch. Maintained a 520-account records base, updated KYC status, flagged dormant and non-compliant accounts for review, and contributed to validation panels, onboarding trend reporting, and branch-level compliance tracking.

KYC Compliance Client Records Banking Operations
See What I've Built → Get in Touch →
Education
2024 – 2026

MS Business Analytics (FinTech) STEM 36-Month OPT

Washington University in St. Louis — Olin Business School

Machine Learning · Big Data Analytics · Financial Technology · Quantitative Methods · Corporate Finance

2018 – 2022

Bachelor of Commerce — Accounting

University of Cape Coast, Ghana

Financial Accounting · Auditing · Corporate Finance · Management Control Systems · Research Methods

Thinking

The thinking
behind the work.

Research, analytical writing, and frameworks drawn from direct operating experience. If you want to understand how I approach financial systems -- not just what I have built -- this is where to start.

Undergraduate Research — 2022

Management Control Systems & Small Business Performance: The Moderating Role of Information Technology

A research study examining how information technology strengthens management control systems and improves small-business performance. Using survey data and SPSS analysis across 300+ firms, the study examined whether technology use changes how smaller businesses monitor performance, manage operations, and make decisions.

Findings adopted as operational guidance by 300+ participating firms
IBM SPSSSurvey DesignSME ResearchStatistical Analysis
Finance Insight — In Progress

Commerce-Finance Infrastructure & Non-Traditional Credit Signals in West Africa

An analytical piece on how mobile money transaction data, repayment behaviour, and field-verified borrower profiles can support responsible credit assessment for traders and small businesses operating outside formal credit channels.

In Progress
Infrastructure Thinking

On Building Operational Financial Systems

I am interested in building financial systems that work at the coordination layer -- where analytics, software logic, field operations, and financial workflows meet. The goal is not just to model outcomes, but to design the logic that produces reliable ones.

Start a Conversation → Return to Ventures →
Contact

The right conversation
starts here.

I am currently building financial and operations systems while pursuing graduate studies. If you are working on complex problems in fintech, analytics, responsible credit workflows, or operational infrastructure, I would be glad to connect. You can also book a 30-minute call directly.

Schedule a Call 30-minute conversation — Calendly Email amegashie@wustl.edu LinkedIn linkedin.com/in/josephamegashie GitHub github.com/josephamegashie6 Curriculum Vitae Download PDF
Joseph Amegashie, financial analyst and fintech builder
Joseph Amegashie FinTech Systems Builder · Ghana → United States · 2026