Terry Antoinette is a Chartered Accountant with extensive experience in financial management, regulatory compliance, and taxation.

His expertise includes the preparation of financial statements, financial analysis, and business planning. He has successfully assisted clients in implementing new systems, driving business process transformation, and leveraging automation to enhance operational efficiency and effectiveness.

His core strength lies in delivering results and building high-performance teams. DTOS is a premier financial services provider in Mauritius’ Global Business Sector. We offer expert advisory services to help clients navigate complex regulatory landscapes and secure their financial futures.

With a client portfolio exceeding a thousand corporate and private entities, financial institutions, and investment funds—including Fortune 500 companies—we have played a pivotal role in structuring investments across Africa, India, Asia, and beyond. Our commitment to excellence extends globally, with strong delivery capabilities in Mauritius, the Middle East, and East Africa. DTOS operates as part of IBL Group, the largest conglomerate in Mauritius.

Kariuki Nagari is a highly accomplished banking executive with 30 years of experience, having played a pivotal role in transforming Consumer Banking at Standard Chartered Bank Kenya and across the Africa Region. As the Global Head of Retail Distribution for Standard Chartered Bank in Singapore, he was instrumental in shaping the future of retail banking, leading the digitization of physical, voice, and virtual channels to enhance customer experience and operational efficiency.

His tenure as Regional Head of Retail Clients, Africa (2013-2015) and Executive Director of Standard Chartered Bank Kenya (2009-2013) further solidified his reputation for driving innovation and strategic growth in the financial sector. Kariuki has also held senior leadership roles at Absa Bank Kenya PLC, where he contributed to advancing retail banking strategies.

In addition to his executive leadership, Kariuki holds multiple board positions, serving as a Non-Executive Director at Standard Chartered Bank Uganda and providing strategic oversight on various Standard Chartered Bank Kenya subsidiary boards. His commitment to sustainable business practices is evident in his role on the Board of the UN Global Compact, where he contributes to global initiatives that align business growth with environmental and social responsibility.