She holds a Doctorate in Management from Swiss Management Centre, Geneva, Switzerland a master’s degree in Marketing from the University of Ghana, Legon. She is a Fellow of the Chartered Insurance Institute, Institute of Risk Management Professionals Ghana and a Chartered Marketer, has attended several international courses, holds an LLB, and is a Pastor of the Assemblies of God Church, Ghana.

Abiba has over thirty years of working experience and has served on several committees in the marketing and insurance industry. She was the Chief Operating Officer of WAICA Reinsurance Corporation PLC, an international reinsurance company, and before then the Group Chief Operations Officer of TG Holding LTD and, before then, the Managing Director of Ghana Re. She was a visiting lecturer at the West African Insurance Institute and a resource person at the Kwame Nkrumah University of Science and Technology and Ghana Insurance College, amongst other institutions.

Dr. Abiba Zakariah is a member of the Board of SAHA Global. She chaired the Ghana Oil and Gas Board and served on the following Boards; Ghana Reinsurance, Hollard Insurance Ghana, NSIA Ghana Insurance Company, Priority Insurance Company, Unique Life, CDH group of Companies Ltd and the Ghana Agric Insurance Pool amongst others.

Abiba was the Chairperson of the Sierra Leone Insurance Industry Developmental Plan. She also served on the Ghana National Insurance Commission to support industry growth; the Agricultural Insurance Pool Steering and Technical Committees, the “No Premium No Cover” Committee and Reinsurance Committee.

As a motivational speaker, posts motivational quotes, has spoken on several institutional platforms including the University of Ghana, Legon and the SOS Hermann Gmeiner college in Ghana. She is the founder of "The Strategist Consortium," a management consultancy company offering solutions for effective and efficient performance through research and training. She is also the founder of ‘SilentScream’ an NGO for mental health through awareness.

She is an awardee of the Young Insurance Professionals (YIP) in Africa 2024, PILA’s top 50 women in insurance in Africa 2022, the Business Insurance Women to watch EMEA in 2019 and the Northern Youth for Peace and development in Ghana in 2017.