African Bank Vacancies

To apply, click on the link at the end of the posts and all the best with your applications.

Sales Consultant (Fleurdal Mall)

Contract position in the Clerks sector/job category.
1 – Sales Focus- Achieve customer growth, revenue and collections targets as defined by the bank

• Meet and exceed individual activity metrics for all product lines
• Meet, exceed and effectively execute on all Sales & Customer targets as set by the Bank
• Effectively execute the Banks sales strategy in respect of Product & Value Added Services(Up Selling, Cross Selling & Capital Take Up)
• Outbound calling to target both existing and prospective customers
• Convert all sales opportunities received through inbound customer requests, outbound calling, lead generation initiatives and customer queries
• Establish, develop and maintain business relationships with existing and prospective customers to generate new business
• Participates in cross selling bank products.
• Maintain detailed tracking of pipeline management and of prospect data and activities
• Set up in person visits, appointments and presentations, following up telephonically where necessary
• Conduct a professional financial needs analysis to make a needs based analysis that may lead to a sale
• Scheduling customer feedback for obtaining documents and progress updates
• Adhere to Supervision requirements set out by Line Manager for all financial products
• May prepare weekly, monthly and quarterly reporting and present results to management
• Ensure effective Cash Management as and when required with approved authorization
• Ensure effective CAM Management as and when required with approved authorization
• Ensure effective management of Credit Card Administration & Fulfilment as and when required with approved authorization
• Ensure accountability for your own results

2 – Marketing Focus

• Keep abreast of products and services, competitive activities, advertising and promotional trends in and around your branch
• Identifying referral opportunities in and around the branch
• Assists the branch in meeting goals by generating new business through marketing activities, promotions, telemarketing and targeted customer initiatives
• Participates in events that demonstrate support for the community and increase business opportunities for the Bank
• Ensure all marketing endeavours, activities and initiatives adhere to appropriate policies and procedures

3 – Risk & Compliance Focus

• Ensure deal quality is a premium by reviewing and completing product applications with the customer timeously and accurately utilising all the necessary Bank tools and training to mitigate risk (Biometrics & Fraudulent Indicator Identification)
• Comply with all policies/procedures related to all customer interactions and engagements
• Ensure compliance with all regulatory requirements and the Banks compliance policies related to these requirements
• Ensure the reporting of certain incidents and instances required in terms of regulatory requirements(AML)
• Ensure the reporting of all fraudulent behaviour incidents and fraudulent indicator instances via the correct fraud and dishonesty reporting channels
• Ensure effective execution of a “zero defect” prerogative in terms of the Deal Quality Error Rate
• Ensure effective execution of a “zero defect” prerogative in terms of the Capturing of Income & Expenses Error Rate
• Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own)

4 – Customer Service

• Ensure compliance with the Banks Customer Service Standard and relevant legislation
• Ensure compliance with TCF principles
• Ensure accountability for your own behaviours while helping team members to enhance their ability to engage with the Banks customers
• Ensure you satisfy all the Banks customer’s financial needs and help them succeed financially
• Ensure accountability for application quality and turnaround times, query resolutions and solution creation for the Banks Customers

5 – Training & Development

• Responsible for ensuring you receive on-going sales/service development training for deficiencies as highlighted in your developmental/coaching plans
• Responsible for participation in and successful completion of all product and services training and developmental initiatives that have a bearing on your on-going value proposition to the Banks customers
• Responsible for 100% participation in and successful completion of risk and compliance training initiatives that have a bearing on your on-going value proposition to the Banks customers and additional regulatory, statutory and compliance obligations of the Bank

6 – Operational Activities

• Responsible for ensuring compliance with all security and safety procedures within the branch including opening and closing procedures, camera surveillance where appropriate. Branch security, robbery, fire drill procedures and health and safety procedures and SOP’s.
• Perform other admin related duties as may be required by Management and Leadership structures of African Bank.

BI Developer

Permanent position in the Middle Management sector/job category.
Production of standard daily, weekly and monthly MIS.
Ensure that all relevant MIS is produced, including but not limited to:
o New business reporting,
o Product reporting
o Channel reporting,
o Customer reporting
o Performance Reporting
o Productivity Reporting,
o Bureau Reporting
o Relevant exception reports,
o Executive Pack reporting

MIS delivery platform and management
Translate business requirements into advanced MIS Reports
Automation of Business users reporting needs, consulting with users, best practise solutions to optimize reporting, identify opportunities to utilise data and so drive optimisation of analytics, and forecasts
Utilize analytics tools (Power BI, Excel, and SQL) to provide actionable insights

Provision of data for ad hoc reporting and analysis projects.
Manage the provision of data for analysis of ad hoc investigations and provide solutions and recommendations to the business
Manage the relationship with the AB business unit heads and other staff.
Liaison with data teams in other areas of the business to ensure that data provided is accurate, complete and consistent with data in other areas.
Provide reporting into the regular (monthly and quarterly) forums in accordance with timelines and quality standards.

Customer
Create and maintain productive relationships with internal clients.
Keep the client informed about progress through written communication, telephone communications and/or face to face meetings
Build a positive image by exceeding client expectations at all times
Treat internal and external customers fairly at all times

Consultant: Direct Sales – Midrand Campus

Permanent position in the Skilled Technical / Specialist sector/job category.
Training
All Sales Consultants will be expected to undergo the following training:
Sales training prior to going live on the phones
Product training. This will happen prior to a campaign being launched. Any Sales
Consultant working on a campaign will be expected to undergo the product training and
write a test for which they have to achieve 85% prior to commencement of dialing on that
campaign.
Refresher and other training will be arranged with Sales Consultants from time to time,
all Sales Consultants will be expected to attend these pre arranged training sessions

Quality of calls
Good quality calls will result in good quality sales and this in turn will result in future
business opportunities and a profitable and sustainable business.
It is critical that the Sales Consultant at the end of the call uses the correct Call Result.
The knowledge of definitions of Call Results and proper understanding of these is the
responsibility of the consultant.
It is critical that sound attempts to properly utilize all leads are made by the Sales
Consultant. A Sales Consultant must not waste leads, either through inaccurate usage of
call results or the lack of focus when a decision maker contact (i.e. telephonic contact with
the person on the database) is made.
All calls must comply with the agreed upon Code of Banking Practice and the FAIS Act.
Sales Consultants are required to ensure that all calls are of great quality. Call quality
will be evaluated by Quality Assurance, Supervisors and Sales Managers

Sales Process
Sales Consultants have to follow the sales process. Small deviations from the script in
the presentation may be tolerated, but under no circumstances must the introduction or
the closing be altered or omitted.

Customer
Create and maintain productive relationships with internal and external clients by
providing advice and assistance
Create understanding of the ‘real’ versus ‘perceived’ need through experience and
expertise while complying with company polices legislation and regulations
Keep the client informed about progress through written communication, telephone
communications and/or face to face meetings
Build a positive image by exceeding client expectations at all times
Treat internal and external customers fairly at all times

Digital Product Manager

Permanent position in the Professionals sector/job category.
1 – Product management

1. Understand the African Bank product landscape and how the credit product portfolio fits into that landscape.
2. Develop the credit product value proposition to drive business objectives
3. In conjunction with relevant stakeholders, determine the optimal pricing (profitability) for the AB credit product portfolio
4. Monitor the product portfolio performance as it relates to business objectives, particularly profitability and sales

Product Operations

1. Understand products impact on the system offering processes, front end processes, sales conversation and account management and ensure products are appropriately positioned.
2. Responsible for the end to end product offer process
3. Monitor ongoing operational product performance i.e. system, offers, sales, risk, staff perception to identify business challenges and opportunities and drive solutions to addresses/capitalise on them.
4. Ensure all the products comply with legislation and required changes to agreements and processes are obtained
5. Evaluate the law and new legislation and champion compliance in the product portfolio
6. Custodian for legal documentation received by customers (pre-agreements, information letters, terms and conditions etc.) for accuracy and adherence to AB language policy
7. Engage with various African Bank departments (Retail operations, Shared Services, Collections, Credit, Operational Risk, Compliance, Legal, Internal Audit) to ensure that the African Bank loans products and processes are correctly understood and address any concerns those departments may have.

2 – Monitor and research key Product drivers

1. Monitor and analyse current trends in the market to identify areas of risk and opportunity.
2. Perform competitor products analysis
3. Drive customer needs analysis initiatives
4. Formulate insight and analysis into new products and enhancements to existing products based on data, system, customer knowledge experience and business objectives.
5. Research the need for the product and the scope of the market to establish product goals
6. Formulate hypothesis to enhance current products or launch new products
7. Formulate proposals and obtain sign off for new product concepts and changes from relevant forums

3 – Manage the Product change process

1. Engage with key stakeholders during product design to ensure overall business requirements are met
2. Facilitate the specification process for IT implementation (BRD) through to sign-off
3. Facilitate the testing process and drive process to fix any problems, to ensure business requirements are correctly delivered
4. Verify and sign off successful implementation to move changes into production.
5. Work in conjunction with other AB departments and other stakeholders to implement new products and enhancements
6. Project manage the implementation new products and enhancements to existing products, through co-ordination of workstreams with all relevant departments
7. Facilitate and supply product content for all stakeholders in the change process e.g.:
   a. Retail operations, shared services, collections
   b. Customer management
   c. Operational Risk
   d. Compliance
8. Responsible for ensuring internal & external media are updated with relevant changes
9. Conduct post implementation evaluation of new product / enhancements and present at relevant

4 – Management of resources

1. Manage and develop subordinates
2. Performance management
3. Training and development
4. Employee relations
5. Manage people efficiencies through leave management
6. Take appropriate disciplinary measures where relevant
7. Select and apply most appropriate tools to achieve function delivery

5 – Customer

1. Create and maintain productive relationships with internal and external clients by providing advice and assistance
2. Create understanding of the ‘real’ versus ‘perceived’ need through experience and expertise while complying with company polices legislation and regulations
3. Keep the client informed about progress through written communication, telephone communications and/or face to face meetings
4. Build a positive image by exceeding client expectations at all times
5. Treat internal and external customers fairly at all times

Senior Financial Analyst: Group Finance

Permanent position in the Professionals sector/job category.
Cost Allocation Framework Development & Implementation
Develop and implement a group-wide cost allocation methodology to fairly distribute direct and shared costs;
Define cost drivers and allocation models that align with IFRS, regulatory requirements, and internal management reporting.
Establish allocation rules for centralized functions (e.g., IT, Risk, Compliance, HR, Treasury, and Operations) to business segments.
Work closely with Business Units, FBP, and Finance Systems teams to ensure seamless allocation processing and reporting.

Ongoing Enhancement & Governance of Cost Allocations
Continuously review and refine allocation models to improve accuracy, efficiency, and fairness.
Establish a cost allocation governance framework, ensuring compliance with financial control policies and regulatory standards.
Conduct periodic benchmarking against industry best practices and recommend improvements.
Support the transition to more automated and AI-driven cost allocation solutions.

Financial Planning, Budgeting & Forecasting
Ensure cost allocations are accurately embedded in budgeting and forecasting processes.
Collaborate with FP&A teams to assess the impact of cost allocation changes on business unit profitability.
Provide insights into cost efficiency trends and identify opportunities for cost optimization.

Stakeholder Engagement & Reporting
Work with key stakeholders to ensure cost allocations align with strategic goals.
Prepare monthly, quarterly, and annual reports showing cost allocations and their impact on business unit profitability.
Develop and present executive-level dashboards and insights on cost allocation efficiency.
Engage with regulatory and external auditors to justify cost allocation methodologies.

Stakeholder Engagement & Reporting
Work with key stakeholders to ensure cost allocations align with strategic goals.
Prepare monthly, quarterly, and annual reports showing cost allocations and their impact on business unit profitability.
Develop and present executive-level dashboards and insights on cost allocation efficiency.
Engage with regulatory and external auditors to justify cost allocation methodologies.

Head Finance Business and Commercial Banking

Permanent position in the Top Management sector/job category.
KEY PERFORMANCE INPUTS / ACTIVITIES

Treating Customers Fairly and Compliance
Create and maintain productive relationships with internal and external clients by providing advice and assistance.
Create understanding of the ‘real’ versus ‘perceived’ need through experience and expertise while complying with company policies, legislation and regulations.
Keep the client informed about progress through written communication, telephone communications, and/or face-to-face meetings.
Build a positive image by exceeding client expectations at all times.
Treat internal and external customers fairly at all times

Management of Resources
Manage and develop subordinate(s): Performance management in terms of contracting, reviews and poor performers, Training and development, Employee relations.
Manage people efficiencies through leave management, headcount budget, fixed term contracts, staff movements, secondments, staff utilization.
Take appropriate disciplinary measures as required.
Facilitate induction of new staff within one month of joining the organization

Financial Reporting and management of annual/quarterly budget process
Monthly management account preparation and submission
Review of Trial Balance and monthly Recons
Overseeing Internal Audit queries and requests
Addressing queries from Senior Executives and divisional heads on the monthly results
Preparation of Divisional Monthly Pack/CFO’s report and monthly dashboards
Completion of finance related information for Board packs
Managing the annual budgeting process
Key point of contact for all queries received

Interim and Yearend Reporting
Preparation/review of the Group’s annual financial statements in compliance with IFRS
Managing the year end audit process and being the key point of contact for the auditors
Addressing all finance/IFRS related queries arising from the external audit

Other
Management of the Finance function
Adhoc deliverables

MINIMUM EDUCATION
BCom Accounting, CA (SA)

MINIMUM EXPERIENCE
Minimum of 10 years experience across the Banking industry

Tax Compliance Specialist

Permanent position in the Middle Management sector/job category.
Governance and control

Assist in identifying, assessing and documenting the tax risks to which the group is exposed, separately addressing: Income tax; Value added tax; Dividend withholding tax; Interest withholding tax; Employees taxes; and Any other levy of tax to which the group may be exposed.
Assist in monitoring and reporting on tax risks identified on an ongoing basis.
Assist in maintaining up to date policy documents on deferred tax asset recovery and tax risk management.

Tax Legislation
Keep abreast of all relevant Tax Legislation
Assisting in providing tax training on a regular basis for employees.
Advise relevant stakeholders of amendments to legislation before promulgation
Review that relevant policies are in line with legislation
Assist in providing and documenting advise as required on tax related issues
Escalate contentious matters to functional and executive management for discussion and decisions

Income tax
Assist in the calculation on a monthly basis of the direct income tax due.
Assist in the maintenance of a record of the tax bases of all assets and liabilities, which reflects the permanent and temporary differences to the accounting base as reflected on the trial balance; reflects that basis of the differences; and reflects the controls applied and assurance obtained on the validation of the differences.
Assist in the calculation on a monthly basis of the deferred income tax due.
Ensure that the required entries are recorded and review the validation there off.
Perform a reconciliation between the standard rate of income tax and the effective tax rate reflected in the books of account and financial statements.
Maintain adequate records of the calculations to support management review thereof, as well as audit by internal audit, external audit and audit by SARS.
Compile and maintain all the relevant tax schedules (e.g. minor assets, repairs and maintenance, consulting, travel, provisions and accruals, prepayments, secretarial services, legal fees, fines and penalties etc).
Prepare reconciliations on a monthly basis of the tax accounts.
Prepare reconciliations for IT14SD monthly
Assist in the drafting of accounting policies for and disclosure of the direct tax charges and associated items in the financial reporting according to International Financial Reporting Standards (“IFRS”).
Assist in completing and submitting all income tax returns and supporting information (learnerships, donations, financial statements etc) as required to SARS.
Assist in reviewing the underlying bookkeeping processes, accounting policies and processing systems are aligned to support the tax calculations and tax reporting.
Advise on changes required to bookkeeping processes, accounting policies and processing systems and assist in implementing changes as required.

Value added tax
Assist in the maintenance of a master listing of all transaction codes as applied in the product and accounting systems specifying the VAT classification and treatment of each code: Ensure all anomalies identified have been investigated and resolved.
Assist in the calculation of the VAT due on a monthly basis: Perform analysis of VAT output recorded in Exactus by transaction type and calculate an effective VAT rate, Perform analysis on the VAT numbers to determine reasonableness.
i. Output reasonability
ii. Apportioned input reasonability
iii. Direct attribution input reasonability
iv. Capital input reasonability
v. VAT on bad debt written off and recovered calculation
vi. Investigate and resolve variances
Prepare reconciliations on a monthly basis of the VAT accounts
Analysis of exceptions within VAT processing and ensure root cause resolved. Ensure that the required entries are recorded and review the validation there off
Complete and submit the VAT return on a monthly basis and ensure payment is made or refund is received.
Maintain adequate records of the calculations to support management review thereof, as well as audit by internal audit, external audit and audit by SARS.
Assist with adhoc VAT projects and business support.
Assist in the calculation of the VAT apportionment rate and monitor it on an on-going basis.
Assist in drafting the accounting policies for and disclosure of the indirect tax charges and associated items in the financial reporting according to International Financial Reporting Standards (“IFRS”).
Engage with financial control and the relevant functions originating and processing transactions and entries to review and ensure that the underlying bookkeeping processes, accounting policies and processing systems are aligned to support the VAT calculations and VAT reporting;
Advise on changes required to bookkeeping processes, accounting policies and processing systems and assist in implementing changes as required.

Third Party Reporting
Assist in ensuring third party returns are submitted timeously by liaising with all the relevant stakeholders:
IT3S
IT3B
FATCA
CRS
EMP201
EMP501

]Stakeholder management
Advise on tax considerations and provide support internally on queries raised and initiatives launched by
Executive management
Financial Control
Credit
IT
HR
Any other internal function
Maintain a healthy working relationship with the SARS representatives as assigned to respectively the African Bank group and Residual Debt Services Limited.
Maintain a healthy working relationship with external auditor and any other external parties that may be engaged

Senior Manager Insurance Legal and Compliance

Permanent position in the Senior Management sector/job category.
Treating customers fairly and compliance
Create and maintain productive relationships with internal and external clients by providing advice and assistance
Create understanding of the ‘real’ versus ‘perceived’ need through experience and expertise while complying with company policies, legislation and regulations
Keep the client informed about progress through written communication, telephone communications, and/or face-to-face meetings
Build a positive image by exceeding client expectations at all times
Treat internal and external customers fairly at all times

Management of Resources
Manage and develop subordinate(s): Performance management in terms of contracting, reviews and poor performers, Training and development, Employee relations
Manage people efficiencies through leave management, headcount budget, fixed term contracts, staff movements, secondments, staff utilisation
Take appropriate disciplinary measures as required
Facilitate induction of new staff within one month of joining the organisation

Legal and Regulatory Compliance
Ensure the business complies with applicable South African insurance laws, including the Insurance Act, Financial Advisory and Intermediary Services (FAIS) Act, Financial Sector Regulation Act (FSRA), and other related legislation.
Monitor changes in local and international regulations that impact the insurance sector and assess the impact on the business operations.
Advise on compliance with the Consumer Protection Act, Data Protection (POPIA), and other relevant laws.

Governance Framework
Develop and implement governance frameworks for the bank’s insurance business
Support the development, implementation, and monitoring of governance frameworks that promote ethical conduct and ensure legal compliance
Assist with the preparation and review of governance policies, procedures and frameworks, ensuring alignment with corporate objectives and regulatory requirements

Risk Management
Conduct risk assessments and ensure alignment with enterprise risk management (ERM) policies.
Identify, assess, and mitigate legal and regulatory risks that may impact the business’s operations and reputation
Provide recommendations to senior management regarding risk mitigation strategies

Advisory
Provide legal guidance to the business, to ensure adherence to policies and procedures
Engage with senior management to provide insights on governance risks and controls

Contract Review and Legal Support
Assist in the drafting, review, and negotiation of contracts, ensuring that all legal requirements and compliance obligations are met
Provide legal advice regarding insurance product development, marketing, and customer-facing activities

Sales Consultant

Permanent position in the Skilled Technical / Specialist sector/job category.
1 – Sales Focus- Achieve customer growth, revenue and collections targets as defined by the bank

• Meet and exceed individual activity metrics for all product lines
• Meet, exceed and effectively execute on all Sales & Customer targets as set by the Bank
• Effectively execute the Banks sales strategy in respect of Product & Value Added Services(Up Selling, Cross Selling & Capital Take Up)
• Outbound calling to target both existing and prospective customers
• Convert all sales opportunities received through inbound customer requests, outbound calling, lead generation initiatives and customer queries
• Establish, develop and maintain business relationships with existing and prospective customers to generate new business
• Participates in cross selling bank products.
• Maintain detailed tracking of pipeline management and of prospect data and activities
• Set up in person visits, appointments and presentations, following up telephonically where necessary
• Conduct a professional financial needs analysis to make a needs based analysis that may lead to a sale
• Scheduling customer feedback for obtaining documents and progress updates
• Adhere to Supervision requirements set out by Line Manager for all financial products
• May prepare weekly, monthly and quarterly reporting and present results to management
• Ensure effective Cash Management as and when required with approved authorization
• Ensure effective CAM Management as and when required with approved authorization
• Ensure effective management of Credit Card Administration & Fulfilment as and when required with approved authorization
• Ensure accountability for your own results

2 – Marketing Focus

• Keep abreast of products and services, competitive activities, advertising and promotional trends in and around your branch
• Identifying referral opportunities in and around the branch
• Assists the branch in meeting goals by generating new business through marketing activities, promotions, telemarketing and targeted customer initiatives
• Participates in events that demonstrate support for the community and increase business opportunities for the Bank
• Ensure all marketing endeavours, activities and initiatives adhere to appropriate policies and procedures

3 – Risk & Compliance Focus

• Ensure deal quality is a premium by reviewing and completing product applications with the customer timeously and accurately utilising all the necessary Bank tools and training to mitigate risk (Biometrics & Fraudulent Indicator Identification)
• Comply with all policies/procedures related to all customer interactions and engagements
• Ensure compliance with all regulatory requirements and the Banks compliance policies related to these requirements
• Ensure the reporting of certain incidents and instances required in terms of regulatory requirements(AML)
• Ensure the reporting of all fraudulent behaviour incidents and fraudulent indicator instances via the correct fraud and dishonesty reporting channels
• Ensure effective execution of a “zero defect” prerogative in terms of the Deal Quality Error Rate
• Ensure effective execution of a “zero defect” prerogative in terms of the Capturing of Income & Expenses Error Rate
• Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own)

4 – Customer Service

• Ensure compliance with the Banks Customer Service Standard and relevant legislation
• Ensure compliance with TCF principles
• Ensure accountability for your own behaviours while helping team members to enhance their ability to engage with the Banks customers
• Ensure you satisfy all the Banks customer’s financial needs and help them succeed financially
• Ensure accountability for application quality and turnaround times, query resolutions and solution creation for the Banks Customers

5 – Training & Development

• Responsible for ensuring you receive on-going sales/service development training for deficiencies as highlighted in your developmental/coaching plans
• Responsible for participation in and successful completion of all product and services training and developmental initiatives that have a bearing on your on-going value proposition to the Banks customers
• Responsible for 100% participation in and successful completion of risk and compliance training initiatives that have a bearing on your on-going value proposition to the Banks customers and additional regulatory, statutory and compliance obligations of the Bank

6 – Operational Activities

• Responsible for ensuring compliance with all security and safety procedures within the branch including opening and closing procedures, camera surveillance where appropriate. Branch security, robbery, fire drill procedures and health and safety procedures and SOP’s.
• Perform other admin related duties as may be required by Management and Leadership structures of African Bank.

Assistant Company Secretary – Governance

Permanent position in the Professionals sector/job category.
Organization wide Policy Reviews

1. Embed and maintain a Policy Governance Committee which will take on the responsibility to review the Bank’s current policies and frameworks and then decide on the new process to manage the Bank’s policies. These processes will include:
   1.1 Policy formulation (including updating of Policy on Drafting)
   1.2 Definitions of governance documents
   1.3 Defined roles and responsibilities for all stakeholders
   1.4 Review and discontinuation of policies
   1.5 Management of the policy register/universe
   1.6 Approval processes etc.
2. Embed the “Collaborate” or similar system as the Group’s central Policy Repository which will be used to manage and maintain the policy register/universe including the monitoring of policy review periods to ensure that all policies are reviewed and updated within the defined period. A key objective of this centralised system should be to prompt policy owners when policies are due for review and prompt all relevant stakeholders to perform a review of the said policy.
3. Schedule and facilitate annual or bi-annual reviews of policies across the Group
4. Conduct or support internal policy audits to:
   4.1 Identify outdated provisions
   4.2 Highlight compliance gaps
   4.3 Benchmark against peer institutions and regulatory expectations
5. Maintain a central repository of all current policies with version history, dates of review/approval and responsible owners and next review dates
6. Track implementation of revised policies across the bank and ensure that operational processes and internal controls reflect updated policy provisions

Stakeholder Relationship Management

1. Create and maintain productive relationships with internal and external stakeholders by providing guidance, advice and assistance
2. Maintain a strong relationship with key stakeholders including leading engagement with the Board, Executive Committee and business functions in creating a strong policy and corporate governance culture Act as a proactive business partner ensuring timely communications to senior stakeholders for relevant policy governance and regulatory matters Influence business heads to ensure there’s adequate policy governance around regular reviews of policies
3. Build a positive image by exceeding client expectations at all times

Policies, Processes and Procedures within Company Secretariat

1. Assist in drafting, reviewing, and maintaining internal policies, charters, and procedures in the Company Secretariat environment
2. Ensure all governance policies align with applicable laws (e.g., Companies Act, Bank’s Act, JSE Listing Requirements, King IV, etc.).
3. Draft revised versions of governance policies, ensuring clarity, consistency, and legal accuracy and compliance with circulars and notifications
4. Prepare briefing notes and present proposed policy changes to various committees such as:
   4.1 Audit Committee
   4.2 Risk Management Committee
   4.3 Board of Directors
5. Track policy expiration and review cycles, ensuring timely updates and board approvals
6. Maintain a centralized and well-organized policy database accessible to relevant stakeholders
7. Coordinate policy approvals and updates through the relevant governance channels
8. Identify areas where new policies are needed, or existing ones require updating
9. Develop detailed step-by-step Standard Operating Procedures (SOPs) for policy and governance tasks
10. Ensure Company Secretariat procedural manuals are updated in line with policy or regulation changes
11. Conduct periodic compliance checks/audits against procedures

Organization wide Policy Reviews

1. Schedule and facilitate annual or bi-annual reviews of critical governance and compliance-related policies
2. Conduct or support internal policy audits to:
   2.1 Identify outdated provisions
   2.2 Highlight compliance gaps
   2.3 Benchmark against peer institutions and regulatory expectations
3. Draft revised versions of governance policies, ensuring clarity, consistency, and legal accuracy and compliance with circulars and notifications from RBI/SEBI
4. Prepare briefing notes and present proposed policy changes to various committees such as:
   4.1 Audit Committee
   4.2 Risk Management Committee
   4.3 Board of Directors
5. Maintain a central repository of all current policies with version history, dates of review/approval and responsible owners and next review dates
6. Track implementation of revised policies across the bank and ensure that operational processes and internal controls reflect updated policy provisions

Policy Governance Framework

1. Assist to formalize the governance standards and practices across the Group
2. Managing, and optimizing the end-to-end workflows that ensure compliance with the Group’s Policy Governance framework
3. Training stakeholders (e.g., board members, management) on policy governance procedures
4. Define and document the Governance Policy Framework, outlining roles and responsibilities of the board, committees, and senior management and scalation and decision-making pathways
5. Prepare governance-related reports for the Exco, board, regulators, and shareholders
6. Maintain transparent records of governance activities for audit and regulatory reviews
7. Ensure policy governance practices align with the enterprise risk management framework and compliance policies
8. Collaborate with compliance and internal audit functions to close policy governance control gaps

Monitoring, reporting and documentation

1. Monitor changes in relevant laws and regulations and advise the Group on necessary adjustments to ensure compliance
2. Monitor internal governance policies and procedures to ensure they align with regulatory standards
3. Review internal reports and disclosures to ensure accuracy and completeness prior to submissions to regulatory authorities
4. Coordinate with senior managers to compile reports on corporate governance practices and adherence to regulatory guidelines
5. Compiling reports on identified gaps in governance practices and make recommendations on improvements
6. Ensure all internal and external communication materials accurately reflect the Group’s adherence to legal requirements

Senior Financial Manager: Operations Finance

Permanent position in the Senior Management sector/job category.
Treating Customers Fairly and Compliance
Create and maintain productive relationships with internal and external clients by providing advice and assistance
Create understanding of the ‘real’ versus ‘perceived’ need through experience and expertise while complying with company policies, legislation and regulations
Keep the client informed about progress through written communication, telephone communications, and/or face-to-face meetings
Build a positive image by exceeding client expectations at all times
Treat internal and external customers fairly at all times

Business Unit Stakeholder Engagement and MANCO
Key stakeholder for Personal Banking and Insurance Verticals
Set regular meetings with Personal Banking and Insurance Verticals to:
Discuss and resolve any operational issues.
Discuss project blockers at a high level.
Assist the BU in achieving improved services to the customer.
Provide input into trends identified to improve BU service to customers that benefit the.
Attend & provide insights in the Operations MANCO.
Prepare input monthly into MANCO packs.
Develop, manage and maintain relationships with Key Business Stakeholders.
Ad-hoc be the back-up representative for Operations Finance in the various group MANCO’s.

Financial Management & Reconciliations inclusive of receipting/invoicing
Review completion of reconciliations and Transactional reconciliations with various Third Parties including BankServ Africa, Visa, MasterCard, SAMOS and other Vendors.
Validate data provided for accuracy and completeness.
Review investigation and timeous correction of variances.
Ensure that unallocated items are managed daily.
Follow up on all non-reconciled items according to KPI’s.
Approve write-offs on unallocated receipts older than 18 months.
Understand and reconcile international transactions according to VISA & MasterCard.
Currency Conversion standards.
Monitor timeous resolution of queries and that the team have liaised with the relevant stakeholders to result in an effective incident management process.
Ensure that the team perform timeous distribution of reconciliations to relevant stakeholders.

Compliance, Audit & Risk
Ensure legal and regulatory compliance is strictly adhered to including the following regulatory bodies:
PASA, BASA, SARB, VISA, MasterCard, SWIFT, BankServ, TCF, etc.
Assist with the auditing processes, both internal and external.
Ensure that there are no significant audit findings for the financial components of the Payments department within this profile of responsibility.
Address audit findings where such findings are related to the financial components of Payments within this profile of responsibility.
Ensure Monthly Risk register updating, and review is submitted timeously to the Risk Champion
Ensure Risk incident reporting is completed timeously and submitted to Resilience and the Risk Teams

Management of resources (people)
Development of staff (e.g. training)
Appraisal of staff performance as required by Human Capital.
Management of staff (e.g. employee relations, conflict resolution, disciplinary actions).
Allocation of work to resources in accordance with business requirements
Managing timelines to meet business expectation.
Cross skilling of key personnel to ensure continuity and sustainability.
Training and development of talented high potential employees to create succession planning.
Create an environment for work satisfaction and contended employees.
Create career development plans for all employees.
Ensure that all staff has a Job Description, KRA’s; Development Plan; Incentive plan in place.

Implementation of requirements and enhancements on Finance processes
Identify opportunities to automate processes to enable volume growth and minimize the requirement for additional resources
Drive delivery to meet all targets and timelines as per project plans
Drive successful implementation of projects
Drive compliance requirements is ensured and implemented within the projects
Reviewing of drafted and updating of SOP’s and SLA’s
Guide and provide input with Business Case, Cost Analysis, Business Requirements and Functional Specs.
Propose technique, methodologies and system designs which appropriately address financial risks associated with new projects
Reviewing of testing and implementing financial elements on the systems involved in new projects
Signing off financial elements of the system changes required for the new projects
Bank Projects – implementation of Operational Processes and System enhancements including recons impacting Operations Finance
Ensure that projects are implemented taking into account:
Industry Requirements and Relationships
Ensuring processes are reviewed and operationalized.
Provide input with automation process for new products introduced as well as automation of the existent processes.
Review system changes when such changes are related to financial components of the Operation Finance processes.
Managing & Monitoring integrity of the data used for the accounting and financial reporting when such data is related to financial components of the Payments designated projects.
Ensuring that system errors resulting financial impact are addressed timeously and effectively by the team.
Continuously manage controls related to the financial components of the Payments department.

Monitoring, Reporting and Budget
Monitoring, Reporting and Budget Ensuring full personal compliance, compliance of the direct reports as well as compliance of the business with Bank’s policies and procedures
Development and maintenance of the appropriate policies procedures for Operation Finance.
Management of the monitoring function within Operations Finance ensuring that business needs are met.
Managing the daily balances confirmation processes
Assess financial impact of the system changes and system errors and produce reporting statistics that highlight issues to be addresses.
Valid, accurate, complete and timeous completion of management reports
Input into the monthly Payments reporting packs.
Assist with putting the budget together for Operations and monthly monitoring and feedback.
Assistance in planning and managing the budgeting and forecasting processes on behalf of Payments.
Assisting with budgets and cost savings initiatives
Monitoring costs and ensuring all internal controls are adhered to.
Monitoring performance against current budgets and forecasts and advising Payments through monthly performance packs and business review meetings.
Review the translation and preparation of the consolidated Payments management pack.
Analyse monthly variances against the budget for the Operations Department.
Manage costs / third party fees and recommendations on reducing costs etc.
Advise on improving the business with regards to Operations Finance strategies / financial plans and controls

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