African Bank Vacancies

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Sales Consultant (JHB Ghandi Stannic Building)
Sales Consultant (Tramshed)
Sales Consultant (Tshwane Thabo Sehume Street)
Bela-Bela – Branch Supervisor
Trade Area Manager
Compliance Officer: Market Conduct FAIS
Senior Business Analyst
AML Analyst
Senior Financial Analyst: Financial Engineering
Sales Consultant
Product Specialist
Product Manager
Test Analyst
Head: Internal Audit Consumer Banking
Operational Risk Analyst
Financial Manager: Operations Finance
Junior Systems Administrator

Sales Consultant (JHB Ghandi Stannic Building)

Designation:	1015SCS002 – Sales Consultant (JHB Ghandi Stannic Building)
Category:	Clerks


Posted by:	African Bank
Posted on:	14 May 2024
Reference Number:	1015SCS002
Closing date:	20-May-2024
Position Type:	Permanent
Location:	Midrand Campus
Workplace:	Johannesburg Ghandi Stannic Building (1015)
Management Style:

Overview:
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 results2 – 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 procedures3 – 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 Customers5 – 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 Bank6 – 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.
Nature 1:
To promote and sell the Bank’s product bouquet to clients through sales activities in a responsible manner. Responsible for sourcing and developing new contacts/prospects and sales leads through the Bank’s internal leads campaigns and your own referrals.

Nature 3:

Motivation:

KEY PERFORMANCE AREAS

Behavioural (COMP)
Delivering Results and Meeting Customer Expectations – Entry LevelFollowing Instructions and Procedures – Entry LevelPersuading and Influencing – Entry LevelPresenting and Communicating Information – Entry LevelRelating and Networking – Entry LevelWorking with People – Entry Level

Minimum Education
NQF 6 Recognised FSB QualificationRE5

Minimum Experience
2 years sales and client service experienceFull Rep in all Product Categories

Technical (COMP)
Accuracy and speed – Entry LevelAdministrative skills – Entry LevelClient Focus – Entry LevelSelling Skills – Entry Level

Sales Consultant (Tramshed)

Designation:	1022SCS003 – Sales Consultant (Tramshed)
Category:	Clerks


Posted by:	African Bank
Posted on:	16 May 2024
Reference Number:	1022SCS003
Closing date:	22-May-2024
Position Type:	Permanent
Location:	Midrand Campus
Workplace:	Tshwane Tramshed (1022)
Management Style:

Overview:
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 results2 – 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 procedures3 – 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 Customers5 – 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 Bank6 – 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.
Nature 1:
To promote and sell the Bank’s product bouquet to clients through sales activities in a responsible manner. Responsible for sourcing and developing new contacts/prospects and sales leads through the Bank’s internal leads campaigns and your own referrals.

Nature 3:

Motivation:

KEY PERFORMANCE AREAS

Minimum Education
NQF level 6 (FSB Recognized)RE5

Minimum Experience
2 – 4 years sales and client service experienceFull Rep in all Product Categories

Technical (COMP)
Accuracy and speed – Entry LevelAdministrative skills – Entry LevelClient Focus – Entry LevelSelling Skills – Entry Level

Sales Consultant (Tshwane Thabo Sehume Street)

Designation:	2142SCS001 – Sales Consultant (Tshwane Thabo Sehume Street)
Category:	Clerks


Posted by:	African Bank
Posted on:	14 May 2024
Reference Number:	2142SCS001
Closing date:	20-May-2024
Position Type:	Permanent
Location:	Tshwane
Workplace:	Tshwane Thabo Sehume Street (2142)
Management Style:

Overview:
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 results2 – 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 procedures3 – 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 Customers5 – 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 Bank6 – 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.
Nature 1:
To promote and sell the Bank’s product bouquet to clients through sales activities in a responsible manner. Responsible for sourcing and developing new contacts/prospects and sales leads through the Bank’s internal leads campaigns and your own referrals.

Nature 3:

Motivation:

KEY PERFORMANCE AREAS

Minimum Education
NQF 6 Recognised FSB QualificationRE5

Minimum Experience
2 years sales and client service experienceFull Rep in all Product Categories

Technical (COMP)
Accuracy and speed – Entry LevelAdministrative skills – Entry LevelClient Focus – Entry LevelSelling Skills – Entry Level

Bela-Bela – Branch Supervisor

Designation:	Bela-Bela – Branch Supervisor- 2139SUP001
Category:	Middle Management


Posted by:	African Bank
Posted on:	17 May 2024
Reference Number:	2139SUP001
Closing date:	23-May-2024
Position Type:	Permanent
Location:	Bela-Bela
Workplace:	Bela Bela (2139)
Management Style:

Overview:
1 – Achievement of all Sales Targets & Growth • Sell, promote and Market the Banks Products and ensure that the following is achieved: • Retention of existing clients • Acquisition of new clients • Reactivation of dormant client • Achieve Sales Target as set by Management2 – Performance of Sales Activities • Promote and sell new products as the Bank introduce same from time to time • Phone clients for sales (Tele-Sales) • Generate Sales Leads • Follow up and make appointments with prospective clients • Follow up on status of workflow and applications being processed • Keep the client informed at all times with regards to the loan application status3 – Application Administration and Costs • Capturing of Loan Applications • Check loan application documentation for accuracy, authenticity and compliance to Policy and Procedures as well as completeness • Accurately capture all client information as per loan application and supporting documentation • Suspend or reject loan applications to be re-quoted as and when required. Explain the Loan Application Process to facilitate client understanding of the process • Explain Terms and Conditions of Banks Products to clients • Issue copy of Contract / Agreement to Client • Print loan agreement for client’s signature • Correct altered loan application information sent for rework and reprint for client’s signature4 – Sales Focus- Achieve branch growth, revenue and expense targets as defined by the bank • Maintain responsibility for the branches Profit & Loss and Budget • Determine the critical success factors for new customer acquisition and customer retention • Demonstrate expert ability to leverage the banks products inclusive of technology offerings to uncover and deepen opportunity, using the various marketing tools available in branch to present product offers and financial solutions to existing and potential customers • Work closely with Trade Area Manager on customer acquisition strategies and retention efforts and developing new marketing campaigns • Manage a book of customers with emphasis on cross selling and deepening customer relationships with the bank • Develop and execute market plan to achieve growth goals • Ownership for sales life cycle-from lead generation to disbursement • Engage in and promote all sales activities i.e. Check-Ins, Huddles • Responsible for day to day sales activities inside and outside the branch • Ensure the achievement of branch sales goals as assigned in the defined market and business segments/industries • Ensure all staff achieve individual sales and service goals as assigned • Work to maximise customer relationships across business lines • Represent the bank in local community organisations with the purpose of promoting the Banks image as well as uncovering potential business opportunities • Develop existing business relationships and prospect within the community for new commercial business • Maintain consistency and integrity of data • Provides direction, guidance and quality assurance to Reps Under Supervision5 – Risk & Compliance Management • Ensure preventative measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to relevant legislation • Identify, evaluate and monitor and make recommendations deemed necessary to the respective risk and compliance champion in order to assess, reduce, eliminate or control any current or prospective risks to the bank arising from violations of, or non-conformance with, laws, rules, regulations, prescribed practices, internal policies, procedures and ethical standards • Responsible for implementing strategies to ensure operational integrity in the branch • Execute Branch functions / activities in adherence to Internal Audit standards (BPR) 1. Cash Management 2. People Management 3. Security Management 4. Asset Management 5. Compliance (NCA, Regulatory and Credit Policy) 6. General Operations 7. Risk Management • Ensure completion of Monthly Branch Self Audit Programme • Ensure Disaster Recovery capturing on monthly basis • Ensure OHS checklist completion and filing • Ensure quality assurance related to sound Manager Review practices • Ensure risk related to bad rate versus expected bad rate is managed within limits as set by the Bank • Ensure Non Deal Excellence is managed within limits as set by the Bank • Ensure Deal Excellence Error Rate is managed within limits as set by the Bank • Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own & Team)6 – People Management and Development • Responsible for training and development of branch staff, assessing team member needs and finding resources to address applicable need • Working with HR, interview, hire and terminate branch team members • Conduct performance evaluations for all branch personnel • Conduct coaching activities with team members, principle coaching duties involve coaching to achieve sales excellence and ensuring the delivery of world-class customer service. • Identify and work with High Potential branch staff in the achievement of their developmental goals • Create a feeling of energy and excitement among team players. Promote the corporate vision and values • Ensure 100% participation and support for all staff on Bank training and developmental initiatives • Ensure People Knowledge Score is managed within limits as set by the Bank(Own & Team)7 – Customer Service • 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 5. Treat internal and external customers fairly at all times
Nature 1:
To assume overall responsibility for the effective operations and profitability of the branch. To actively sell African Bank products and ensure sales targets and growth is achieved. To provide supervision to subordinates.

Nature 3:

Motivation:

KEY PERFORMANCE AREAS

Behavioural (COMP)
Analysing – NoviceCoping with Pressures and Setbacks – NoviceDelivering Results and Meeting Customer Expectations – NoviceLeading and Supervising – NovicePersuading and Influencing – NovicePlanning and Organising – Novice

Minimum Education
NQF6 FSCA recognized qualificationRE5

Minimum Experience
5-10 years experience in Management/Oversight/Supervision in the Financial Services environmentFull Rep in all Product Categories

Technical (COMP)
Compliance and Administrative Skills – NoviceSales Management Skills – Novice

Trade Area Manager

Designation:	Central Suburbs 2382MAN001 – Trade Area Manager
Category:	Professionals


Posted by:	African Bank
Posted on:	13 May 2024
Reference Number:	2382MAN001
Closing date:	20-May-2024
Position Type:	Permanent
Location:	Cape Town
Workplace:	Central Suburbs (2382)
Management Style:

Overview:
1 – Sales Targets • Support the bank’s drive to a more diversified customer, channel and product capability. Support and drive the implementation of branch component of the bank’s strategy • Ensure the region meets the assigned targets in all product categories • Develop region specific plans to ensure customer growth and retention as well as revenue growth2 – Manage Productivity • Capacity Planning Ensure branches have adequate skilled staff of the right calibre in order to deliver on customer service and sales expectations • Planning and Scheduling of Work/Activity Manage scheduling requirements within the branches in terms of contribution and targets of all products Plan productivity targets and deploy daily/weekly/monthly prioritised work/Activity schedules with appropriate deadline targets and input levers Set, monitor and review workload schedule • Productivity Control Monitor and review productivity progress against deadline targets and output levers • Quality Control Ensure that all productivity and in branch processes result in producing high quality deals and customer satisfaction Ensure that all productivity and in branch processes adhere to the company’s internal controls framework • Branch Profitability Optimise branch profitability taking into account local market potential and customer needs3 – Manage Operational Performance • Develop and implement operational improvements • Ensure non value added activity that negatively impacts on the customer is reduced and eliminated in all operational processes • Influence, Manage & embed change journeys to meet current business requirements • Implement operational improvement processes to reduce risk, minimise costs and improve operational performance • Develop a high performance team and step change Promote and uphold company performance standards, values driven culture and work ethic Develop and implement initiatives required to deliver step change in the following aspects of the business: • Sales performance of new and existing products Operational risk and compliance Branch profitability Productivity levers Customer service Product diversification • Operational excellence Right first time- Doing things right for the customer High Productivity4 – Manage the human resource • Recruitment & Employment Ensure all recruitment and employment is carried out in accordance to company procedure and in compliance with current employment law • Staff Training & Development Establish goals and objectives for self and team and implement accordingly to help support/improve job performance (experience, ability & competence) Be aware of and promote operational best practice and performance standards Develop and monitor performance standards Identify individual training needs Implement, monitor and review training and developmental plans • Monitor and manage KPI’s Achieve the Area Targets relating to Service, Customer Growth, Sales, Staff Engagement, Learning & Development, Personal Development, Costs, Fais, Risk and Compliance • Performance Management & Staff Appraisals Monitor, review and address employee under performance, maintaining appropriate records in accordance with company procedures Conduct and perform annual performance appraisals Ensure the appropriate systems and processes are in place to measure and manage staff performance and to coach and develop a high performance team • Discipline & Grievance Procedures Monitor, review and address employee under performance, liaising with the HR representative and maintaining appropriate records in accordance with the company procedures as required Address any employee discipline or grievance issue, maintaining appropriate records in accordance with company procedures.5 – 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 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
Nature 1:
To manage the sales force within defined regional territory. Responsible for managing the sales operations, meeting targets and managing the sales team in the region. Support the bank’s drive to deliver a multi-channel distribution capability to its customers. To provide supervision to subordinates.

Nature 3:

Motivation:

KEY PERFORMANCE AREAS

Behavioural (COMP)
Analysing – IntermediateCoping with Pressures and Setbacks – IntermediateDelivering Results and Meeting Customer Expectations – IntermediateLeading and Supervising – IntermediatePlanning and Organising – IntermediatePresenting and Communicating Information – Intermediate

Minimum Education
Degree (Business related qualification) at NQF Level 7 RE 1 (Key Individual)

Minimum Experience
8 years management experience in branch or equivalent experience within bank or retail distribution

Technical (COMP)
Exceptional people skills – IntermediateSelf driven results oriented – Intermediate

Compliance Officer: Market Conduct FAIS

Designation:	COMPOFC001 – Compliance Officer: Market Conduct FAIS
Category:	Professionals


Posted by:	African Bank
Posted on:	13 May 2024
Reference Number:	COMPOFC001
Closing date:	20-May-2024
Position Type:	Permanent
Location:
Workplace:	Compliance (COMP)
Management Style:

Overview:
1.Monitoring and Reporting on adherence to Statutory and policy obligations Determine and advise the level of Compliance within each assigned business unit and entity within the GroupDevelop and implement a monitoring plan based on identified areas of risk and as per routine required as well as from receipt and analysis of findings from Internal Audit Prepare reports on same within timeframes Advise Line Management and compliance champions of deficiencies and recommend corrective action Maintain an issues log of deficiencies and monitor the implementation of corrective action Report instances of non-adherence to the Group Compliance Officer Prepare the necessary Compliance reports for submission to the various regulators and the Executive and other committees within the Group as requested by the Group Compliance Officer2 .Analysing Statutory requirements and Providing Advice Determine all relevant laws and regulations pertaining to the activities of the Group Develop/review risk management plans in accordance with best industry compliance practice Regularly engage with and advise the business of the relevant regulatory requirements in order to determine the necessary controls and ensure update or amendment of operational procedures Analyse and advise on adequacy of controls to Line Management Consult widely with regulatory bodies and industry on interpretation and application of laws and regulations as and when requested by the Group Compliance Officer3.Programme Delivery Project management of strategic compliance initiatives under the Market Conduct Programme Prepare the necessary project reports for submission to the various governance forums within the Bank4.Draft compliance policies and guidance documents Draft and maintain compliance policies and manuals for approval by the Board as requested by the Group Compliance Officer Ensure that standard policy and process documents are in place in the various business units and that these are regularly reviewed and updated Creating awareness of legislative requirements and ensuring that staff are aware of and competent in all aspects of Compliance, inter alia through; conducting presentations, Issuing compliance alerts, Publishing documentation on the intranet & Drafting communication and advice for internal use Advise Training Department of required training interventions in respect of new or amended laws and regulations, prepare training material as required and monitor educational outcomes Prepare information for the Group Compliance Officer for presentation at various levels within the organisation including to the Board, Executive and Divisional Management on developments in the regulatory environment5.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 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 times6.Communicating with Regulatory Bodies Liaise with and report to regulatory authorities as determined by the Group Compliance Officer Consult widely with such regulatory bodies on interpretation, application and level of adherences to laws and regulations Manage and assess the quality of regulatory reporting Respond to any enquiries from the regulatory bodies Liase with business regarding special requests from Regulators and -facilitate corrective action where required Co ordinate and facilitate on site regulatory audits whenever requested Prepare Information for the Board on relevant regulatory interaction as requested by the Group Compliance Officer7.Professionalism and team work Ability to engage with and work supportively with team members Ability to add value to the efficiency of the division through process and systems enhancement including documenting and implementing enhancements Ability to inspire team members by setting an example of professional behaviour including quality of work, meeting deadlines, communicating timeously with stakeholders, giving feedback, working additional hours where required through deadlines or urgent issues to be attended8.Other/general Assisting the Group Compliance Officer or designate with any other requirements relating to the Group Compliance function’s roles and responsibilities
Nature 1:
To ensure that the Bank is adhering to all applicable laws and regulations in order to avoid operational losses, fines, penalties or reputational damage to the Bank

Nature 3:

Motivation:

KEY PERFORMANCE AREAS

Behavioural (COMP)
Adapting and Responding to ChangeAdhering to Principles and ValuesAnalytical and structural thinkerAssertivenessCoping with Pressures and SetbacksDeciding and Initiating ActionLeading and SupervisingPlanning and Organising

Minimum Education
Bachelor degree in Risk/Assurance related fieldLaw Degree/Business related Degree

Minimum Experience
5 years experience on risk and compliance reporting and/ or monitoringFinancial services, especially in the Banking industry

Technical (COMP)
Compliance

Senior Business Analyst

Designation:	DINNBAN007 – Senior Business Analyst
Category:	Professionals


Posted by:	African Bank
Posted on:	17 May 2024
Reference Number:	DINNBAN007
Closing date:	24-May-2024
Position Type:	Permanent
Location:	Midrand Campus
Workplace:	Payments (Innovations) (DINN)
Management Style:

Overview:
1 – Identify and analyse Business needs / opportunities Elicit Requirements through JAD sessions; one on one interviews and workshops Compile business cases / impact analysis and make necessary recommendations Prepare and propose cost models for solutions design projects Review functional specifications in order to endure alignment with business strategy Conduct systems, processes, policies and procedures analysis and identify failure root causes and make necessary recommendations Conduct risk analysis and make necessary recommendations Implementation and undertake post implementation evaluation2 – Business Change and Innovation Review existing systems, policies and procedures against Business requirements and propose solutions Asses feasibility and practicality of user requests for changes and establish solution fit Research technologies and business concepts to support and enhance CVP strategy (Digital Channel)3 – Stakeholder Management Review Testing Requirements Ensure system training to the business is executed Project Management Collaborate with all stakeholders in designing the proposed solution Liaise among stakeholders in order to elicit, analyse, communicate and validate requirements for changes to business processes, policies and information systems4 – Quality Assurance Validate all requirements (both system and non-system) Manage QA Process Validate all change requirement5 – Research and identify unsecured credit products, technology roadmap Identify e-commerce product best practice locally and globally by a) Desk research b) Conferences and seminars c) Networking Identify e-commerce customers needs in SA by a) Market research / migrant data b) Discussions with possible clients Identify and understand supply and delivery of e-commerce product and services within the current market and in the innovation arena Identify linked process efficiencies and opportunities, covering- a) Core/anchor product services b) Related risk product services (in particular that drive flexibility in lending services, client ‘cushioning’) Linked transactional opportunities
Nature 1:
To provide strategic and analytical direction to the Business on the systems, procedures and processes

Nature 3:

Motivation:

KEY PERFORMANCE AREAS

Behavioural (COMP)
Analytical thinkingAssertivenessCoping with Pressures and SetbacksDelivering Results and Meeting Customer ExpectationsIntegration/Holistic thinkingLeading and SupervisingLogical reasoningPlanning and Organising (Prioritising)Presenting and Communicating InformationProfessionalism

Minimum Education
Tertiary qualification preferable a Degree in Business Informatics or Engineering or Finance or IT

Minimum Experience
5 years working experience as a Business and or Systems Analyst and must have participated in more than one large software development project. Preferably in a Banking industry with a working knowledge of low income loans and/or Credit Card

Technical (COMP)
Analytical SkillsApplication knowledge of Systems Development Life CyclesAttention to detailCommunication skillsDB2Knowledge and understanding of AB systemsMS OfficeProject Management skillsSound knowledge of business practicesSQLTechnical Writing SkillsUMLVisio

AML Analyst

Designation:	GBCOAML001 – AML Analyst
Category:	Skilled Technical / Specialist


Posted by:	African Bank
Posted on:	17 May 2024
Reference Number:	GBCOAML001
Closing date:	24-May-2024
Position Type:	Permanent
Location:	Durban
Workplace:
Management Style:

Overview:
MINIMUM EDUCATION Matric Relevant Financial /Legal Degree Compliance Qualification (advantageous) AML Qualification (advantageous) Compliance institute of South Africa – Compliance Practitioner or Compliance Professional (Advantageous) MINIMUM EXPERIENCE MINIMUM EXPERIENCE 3 years’ experience in a banking and compliance environment FICA /AML knowledge, experience and proficiency CRITICAL COMPETENCIES Ability to prioritise and manage multiple tasks, while ensuring that assigned job responsibilities and department goals are met. Effective time management. Attention to detail whilst under considerable pressure. Negotiation with difficulty parties. Managing relationships. Ad-hoc projects. ADDITIONAL COMPETENCIES Attention to detail (conscientious, consistent and thorough) Client Focus (providing service excellence to internal and/or external clients) Strategic thinking (contributes to the objectives, priorities and vision of the organisation) Teamwork orientated (builds bridges between teams, works collaboratively to achieve results) Organisational awareness (understands and operates in a broad spectrum- political, cultural and social) BEHAVIOURAL ATTRIBUTES SPECIAL REQUIREMENTS Ability to identify weaknesses in the control environment and implement changes. Expert FICA/AML knowledge, proficiency and experience Knowledge of financial industry products and services Proficient in banking systems Microsoft Office (Advanced Excel skills) Excellent communication skills EFFECTIVE DATE KEY RESULT AREAS 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 Internal Process Management Policy implementation and management Document Control Monthly reporting General reporting People Management Effort to forge and maintain quality inter-personal relationships. Support and drive the business’s core values. Maintain a positive attitude and drive. Personal and Intellectual Capital Development Take ownership for driving own career development Achievement of objectives/milestones set out in the development plan. Development of knowledge base. Broaden skills to ensure value within the Bank.
Nature 1:
Assisting AML Manager with the development, implementation, and maintenance of an anti-money laundering program/systems within the Bank. • Ensuring compliance with current AML regulations, and other relevant legislation. • Assisting with the development and maintenance of a risk assessment framework for products and services, clients and customers, and other issues relating to money laundering. • Reviewing records of high-risk customers and reporting suspicious activities to the authorities. • Arranging and implementing inspections and audits from third-party organisations and making compliance recommendations based on their findings. • Briefing and reporting to senior management on matters relating to internal AML compliance policies and procedures. • Overseeing and implementing an ongoing AML training program. • Interpret business unit/stakeholder requirements to provide timeous solutions. • Provide appropriate advice to stakeholders pertaining to AML investigations & reporting matters. • Managing all correspondent banking questionnaires and enquiries, including enquiries from correspondent banks on customers and transactions

Senior Financial Analyst: Financial Engineering

Designation:	GRCRMAN011 – Senior Financial Analyst: Financial Engineering
Category:	Professionals


Posted by:	African Bank
Posted on:	13 May 2024
Reference Number:	GRCRMAN011
Closing date:	20-May-2024
Position Type:	Permanent
Location:	Acornhoek
Workplace:	Group Risk Credit (GRCR)
Management Style:

Overview:
Portfolio Modelling and Simulation Develop and maintain statistical models that quantify/simulate the following aspects of the portfolio: Expected transitions of new sales vintages into the respective collections environments on a monthly basis; Overall rundown of book with regards to Gross Advances; Expected size of Non-performing- and Write-Off portfolios at any point in time. These models should be developed and set up in such a way as to allow for expected risk emergence to be incorporated.Cash-Flow Forecasting Develop independent forecasts for future cash collections in the existing and expected new sales portfolios. Forecasts should be thoroughly back-tested to ensure accuracy and stability. The forecast should be used to quantify the duration of the assets of the organisation.Guiding strategy in key business imperatives Focus on strategic direction and proactively provide the organisations/stakeholders with feedback/guidance that will assist overall decision making. Where appropriate, assist Retail Ops/Finance in quantifying the expected sales mix. Assist in modelling/unpacking/tracking various collections initiatives. Conduct analysis with regards to yield leakages when required.Ad hoc Provide business stakeholder with guidance based on advanced modelling, if and when required, in order to ensure initiatives are rolled-out and managed effectively. Formulate and document findings/results in a timely, accurate and professional manner. Formally present findings if and when needed. Submit monthly constitution to the credit pack.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 timesManagement 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
Nature 1:
Advanced financial modelling; develop statistical models that can be used to quantify the correlation between risk and overall portfolio dynamics (i.e. migrations, volume/balance transitions between the respective collections states, overall risk emergence, etc.); cash-flow forecasting on existing and expected new sales portfolios. Automation, monitoring and governance checks of models, strategy, budget variances and operational key metrics.

Nature 3:

Motivation:

KEY PERFORMANCE AREAS

Behavioural (COMP)
Analytical thinkingCoping with Pressures and SetbacksDelivering Results and Meeting Customer ExpectationsInitiativeIntegration/Holistic thinkingLeading and SupervisingLogical reasoningNumerical and analytical skillsPlanning and Organising (Prioritising)Presenting and Communicating InformationStress toleranceStrong Management and Leadership qualitiesWork under pressure

Minimum Education
Honours degree with quantitative subjects

Minimum Experience
2 years experience in quantitative/statistical modelling in the financial sector. Working knowledge of financial statements.

Technical (COMP)
Analytical Skills and problem solvingBusiness AcumenCorporate finance knowledgeFinancial and numeracy skillsFinancial modelling skillsFinancial skillsPresentation and facilitation skillsReport writing skillsSoftware: MS Office, with Advanced EXCEL skills, SQL, SAS, PowerBI, MatlabSpecialist programming skills in more than one of the technology areas ABIL requiresStrong Analytical and Statistical skillsStrong programming and automation skillsUnderstanding of Financial Statements

Sales Consultant

Designation:	Kuilsrivier 2787SCS006 – Sales Consultant
Category:	Skilled Technical / Specialist


Posted by:	African Bank
Posted on:	13 May 2024
Reference Number:	2787SCS006
Closing date:	20-May-2024
Position Type:	Permanent
Location:	Kuilsrivier
Workplace:	Kuilsrivier (2787)
Management Style:

Overview:
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 results2 – 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 procedures3 – 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 Customers5 – 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 Bank6 – 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.
Nature 1:
To promote and sell the Bank’s product bouquet to clients through sales activities in a responsible manner. Responsible for sourcing and developing new contacts/prospects and sales leads through the Bank’s internal leads campaigns and your own referrals.

Nature 3:

Motivation:

KEY PERFORMANCE AREAS

Minimum Education
NQF 4 Recognised FSB Qualification

Minimum Experience
2 years sales and client service experienceFull Rep in all Product Categories

Technical (COMP)
Accuracy and speed – Entry LevelAdministrative skills – Entry LevelClient Focus – Entry LevelSelling Skills – Entry Level

Product Specialist

Designation:	PRODPRD002 – Product Specialist
Category:	Middle Management


Posted by:	African Bank
Posted on:	13 May 2024
Reference Number:	PRODPRD002
Closing date:	21-May-2024
Position Type:	Permanent
Location:	Midrand Campus
Workplace:	Product Design & Development (PROD)
Management Style:

Overview:
1 – Product Support (New Products & Existing Products) MARKETING & TRAINING 1. Develop in conjunction with Marketing, product/campaign marketing plan for new and existing products. 2. Develop training content for new products or amended products and in conjunctions with relevant AB parties ensure the execution of training. 3. Communicate to relevant AB parties regarding product changes (both new and existing products). 4. Perform ad hoc training interventions such as ‘train the trainers’ 5. Ensure briefing and communicating to relevant AB parties regarding new products. CONTENT MANAGEMENT 6. Responsible for placing product updates on intranet (The Junction, Web), quality control on induction material and training guides 7. Form management: 7.1 Perform updates and quality control on all the forms received by customers and viewed by internal stakeholders including branch staff (agreement, information letter, information brochure, terms and conditions etc.) 7.2 Responsible for making changes, ensuring accuracy and adherence to AB language and legal policy TESTING & QUERY RESOLUTION 1. Understand the system offering process, front end process and sales conversation 2. Investigate and respond to queries received from the operational network regarding products. 3. Log system defects if queries are system related. 4. Follow up that defects raised are implemented by IT. 5. Test IT specifications and identify any potential problems through the test process 6. Put processes in place if the type of queries received show a lack of process2 – Monitor and research key product drivers COMPETITOR & CUSTOMER NEEDS ANALYSIS 1. Perform competitor analysis to ensure AB product set remains current. 2. Perform customer needs analysis initiatives (focus groups, branch visits, market research) 3. Monitor and analyse current trends in the market/industry to identify areas of risk and opportunities 4. Monitor current AB product performance as well as product campaigns and identify improvement opportunities and risk.3 – 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
Nature 1:
To execute the rollout requirements of new and revised AB products. To monitor and analyse the performance of the AB product set, identifying improvement opportunities and risks.

Nature 3:

Motivation:

KEY PERFORMANCE AREAS

Behavioural (COMP)
AnalysingCoping with Pressures and SetbacksDeciding & Initiating ActionDelivering Results and Meeting Customer ExpectationsFollow-throughInitiativeLeading and SupervisingPersuading & InfluencingPlanning and OrganisingPresenting and Communicating InformationProfessionalism

Minimum Education
Degree/Diploma with a major in Informatics / Economics / Financial Management/ Business administration

Minimum Experience
1 years experience in one or more of the above mentioned fields

Technical (COMP)
Analytical SkillsAttention to detailCustomer orientatedDeadline drivenFinancial competencyInterpersonal skillsKnowledge and understanding of internal systemsKnowledge and understanding of Product ManagementMS Office SkillsOrganisational skillsPresentation skillsProject management skillsReport writing skillsWritten communication skills

Product Manager

Designation:	Product Manager TREXMAN001 – Pricing Reporting & Analytics
Category:	Professionals


Posted by:	African Bank
Posted on:	13 May 2024
Reference Number:	TREXMAN001
Closing date:	21-May-2024
Position Type:	Permanent
Location:
Workplace:	Transactional Banking Expenses (TREX)
Management Style:

Overview:
1 – Financial 1. Collections rates – (Legal department) 2. Collections rates – (Admin orders department) 3. Collections rates – (Debt counselling department) 4. Strategic priorities and input – ability to action priorities identified on time every time and ability to provide strategic input/out of the box thinking relating to not only you own team’s performance but the Divisions and Bank in general 5. Costs2 – Service to internal customers 1. Timeousness 2. Quality 3. Value add3 – People 1. Leadership (Organisational wellness survey / 360 degree leadership survey / Other) 2. EE Targets 3. Talent Management (Completed the talent review on all staff and identified key talent)4 – 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
Nature 1:
To manage the production of timeous and accurate data and reports by extracting the data from the warehouse. Create reports when new products that are developed, tracking the profitability, sales volumes and values and providing stakeholders with any insights Perform competitor analysis and gain insights on pricing thereafter creating pricing models and matrix to assist with African Banks annual pricing review. Monthly reporting to regulators and Exco, Daily tracking and reporting of product performances Assisting the Product managers with insights for new product Development Rewards MI collation & tracking. Ad Hoc reporting

Nature 3:

Motivation:

KEY PERFORMANCE AREAS

Behavioural (COMP)
IntegrityPatienceProfessionalism

Minimum Education
Degree in Finance or Informatics

Minimum Experience
5 years working as a Developer in an MIS environment

Technical (COMP)

Test Analyst

Designation:	PYITTST004 – Test Analyst
Category:	Middle Management


Posted by:	African Bank
Posted on:	17 May 2024
Reference Number:	PYITTST004
Closing date:	24-May-2024
Position Type:	Permanent
Location:	Midrand Campus
Workplace:	Payments Technology (PYIT)
Management Style:

Overview:
1 – Performance Management Complete all testing jobs assigned to them in a timely manner and to a high standard. Assisting with mentoring and coaching of other staff when required, both as part of their PDP and as part of the ongoing development of the team’s skills matrix.2 – Team Building Assist in the promotion of the Software quality assurance team throughout the business. Promoting effective communication amongst the team and with other departments. Active participation in team building activities3 – Technical Knowledge Understanding of ISEB testing techniques and their practical application. An appreciation of the role of testing tools in the QA Department. A sound knowledge of databases and systems. Understanding of the roles of change management and business implementation. Compliance with the procedures laid down within the QA Department.4 – Process Management Familiarity of the role of QA within the Development lifecycle. Compliance with the procedures laid down within the QA Department and assisting in refining these processes. Documentation of testing performed to the standard required from the QA Department. Assisting in knowledge transfer throughout the department. All defects correctly logged and issues escalated as appropriate5 – Treating Customers Fairly Adherence to all regulatory requirements for example ABIL rules and principles, Data Protection act and Money Laundering regulations. Awareness of the groups policies and procedures and the regulations relevant to the role.6 – Solution Design and Test Planning Document
Nature 1:
The purpose of this role is to ensure that business change projects are tested efficiently within timescales and to a high quality to ensure that the change delivered meets the requirements. It is also used to ensure that the business users of the system can carry out business processes without any unplanned disruption. Testing aim is to find defects in relation to the specified requirements. The role does this by following structured testing techniques. The role will also assume responsibility for the following: 1. Work with Dev Manager/Developers/Project Managers/BA, IT to develop test scripts and test plans 2. To execute testing in accordance with test plan 3. To identify, manage and mitigate risks in respect of testing 4. To deliver effective communication in respect of testing (progress v plan) 5. To provide test results and outcomes in sufficient detail to Test Manager for a go / no go decision

Nature 3:

Motivation:

KEY PERFORMANCE AREAS

Behavioural (COMP)
AnalysingCoping with Pressures and SetbacksDeciding & Initiating ActionDelivering Results and Meeting Customer ExpectationsLeading and SupervisingPersuading & InfluencingPlanning and OrganisingPresenting and Communicating Information

Minimum Education
Relevant diploma or degree

Minimum Experience
2 years related experience

Technical (COMP)
Ability to work under pressureCommunication skillsPro-active and innovativeProblem Solving & Analytical SkillsProfessionalismSelf motivated, committed and assertiveTeam player

Head: Internal Audit Consumer Banking

Designation:	RIRBHOD002 – Head: Internal Audit Consumer Banking
Category:	Senior Management


Posted by:	African Bank
Posted on:	17 May 2024
Reference Number:	RIRBHOD002
Closing date:	28-May-2024
Position Type:	Permanent
Location:	Midrand
Workplace:	Internal Audit – Retail Bank (RIRB)
Management Style:

Overview:
MINIMUM EDUCATION Post Graduate Degree in Finance, Mathematics / Statistics, Banking or related fields. Certification in Finance (CA(SA) or CFA) and/or IT Auditing (CISA) will be an added advantage. MINIMUM EXPERIENCE At least 8 years’ experience in auditing (with emphasis on Consumer Banking, Lending/Credit, Data Science/Analytics and Compliance) at senior management level. CRITICAL COMPETENCIES Knowledge of transaction banking and lending/credit products and related models in a Retail Banking environment. Prior exposure to data science and analytics. Knowledge of legislation and regulations governing banks including, but not limited to the following: Banks Act and Banking Regulations Basel Standards Financial Intelligence Centre Act (FICA) National Credit Act FAIS Act King IV Code on Corporate Governance IFRS Standards IIA Standards and Code of Ethics Knowledge of combined assurance framework Impactful and insightful report writing Critical thinking, problem solving and analytical skills Communication and presentation skills Agile auditing ADDITIONAL COMPETENCIES Action Planning Planning and Organizing Data Science and Analytics BEHAVIOURAL ATTRIBUTES Strategic Mindset Change Agent Balances Stakeholders Financial Acumen Ensures Accountability Drives Vision and Purpose Builds Effective Teams SPECIAL REQUIREMENTS Experience in and prior exposure to Lending/Credit, Model Risk and Data Analytics is preferred. Key Results Area Development of Audit Plan and Strategy Develop and execute audit plan and multiple year strategy to evaluate critical risk within African Bank that goes to the AC for approval. The Annual Plan needs to be risk-based audit plan to ensure that critical and high-risk areas receive proper audit coverage. Including coverage on regulatory, financial and compliance matter s Formulate and execute any multiyear audit strategy (people, resources, systems) that is forward looking that takes into consideration of assurance needs for organisation currently and for its future state. Principle objective is to ensure that function is fit for purpose now and in the future. Review and approval of all engagement to ensure that defined scope aligns to principle objective of annual plan and business objectives. Review and exercise oversight over the Audit Annual Plan and update according to changes to the internal and external environment. Implementation of annual planning process that results in delivery of Annual Plan to the Audit Committee Allow and create flexibility within the plan for Ad-hoc request Execution and delivery Proactively and independently lead the Consumer Banking internal audit team as one of the four pillars of corporate governance, along with the board of directors, executive management and the external auditor. Coordinates audit activities with other assurance functions (e.g. Risk, Compliance and External Audit). Accountability of delivery of Annual Audit plan within budget and agreed timeframe by the Audit Committee Accountability for setting IA standards and methodology in line with industry and professional leading practice. Coordinates efforts with the external auditor and management to maximize efficiency. Constantly challenge the department to improve performance, efficiency, quality and innovate. Constantly safeguard and ensure the department independence and functional ability to act as the third line of defence is maintained. Monitor staff in daily tasks, operations and quality control; ensure the organisation of assigned areas of the department, coordinating available resources (e.g. staff, tools, etc.) for maximum results. Review the adequacy and effectiveness of controls established to ensure compliance with the Bank’s policies, plans, procedures, and business objectives, and identify and assess potential risks to the Bank’s operations. Manage ad-hoc assignments as requested by management and/or direct complex assignments that require both high levels of integration and specialised knowledge and skills in performance, financial and compliance audit projects. Audit Reporting and Communication Provide an annual written assessment on the soundness of internal controls and the control environment within African Bank Holdings to the Exco and Board in terms of the Companies Act, Regulation 38 of Banks Act and King IV to enable the Board, CEO and CFO to conclude and report annually to stakeholders on the effectiveness of the Bank’s control environment and internal controls. Present quarterly reporting to the Board Audit Committee and Risk Committee on significant matters relating to internal audit, internal controls, and risks. Pursue the timely remediation of significant audit issues. Communicate the status of open significant audit issues to the Audit Committee and Exco. Perform special audits when requested by the Audit Committee or Management, including the investigation of significant suspected fraudulent activities and insider abuse. Frequent engagement with CEO, CRO, CFO and members of Audit Committee on top risks and/or audit related matters. Express an opinion on adequacy and effectiveness of internal controls. Implement a repeatable communication process of reporting results of audit activities within the organisation to various internal stakeholders ensuring that communication is in the right format, size and appropriate disclosure and remediation can be implemented and tracked. Accountable for ensuring that reports issued are of high quality, insight into root causes and provide adequate guidance for remediation. Report audit findings and recommendations based on the results of audits to Exco and Board when issues need to be addressed. Respond to matters that emerge from appropriate referring bodies (the Board of Directors, CEO and other senior executives). Submit periodic internal reports and summaries of audits to Exco, Board and Audit Committee. Attend Audit Committee meetings and provides explanations of audit findings as needed to assist the Audit Committee members in their understanding of the issues. Cooperates with internal and external entities and risk control units on investigations into major control issues. Including coordinating with external audit and management to ensure the Audit Committee receives effective information, data and analysis on identified critical control risks or issues. Ensures reporting of results to the organisation are clear, concise and delivered in the context of the underlying risk to the organization. Contributing to Improvement of Risk and Control Culture, Efficiency and Optimisation within the Organisation Make available to management, tools and techniques used by internal audit to analyse risks and controls. Coach and advise management in responding to risks. Lead the function in safeguarding and protecting the assets of the organisation. Proactively provide advice to management and/or the Board regarding the reporting of forward-looking operating measures to help identify potential emerging risks. Provide an independent appraisal of controls and processes that govern financial integrity, operational effectiveness, technology, privacy and compliance with laws and policies. Regularly interface and develop strong working relations with executive management to actively respond to changing technology risks/demands and represents the Internal Audit function on various committees as required. Proactively identify inefficiencies in processes and controls, conduct root cause analysis, develop new approaches, and advise on the implementation of new processes. Monitor the process and control implications of ongoing business changes and ensure that processes and controls are a focus when integrating changes. Process, solve and answer complex transactions, problems or inquiries. Communicate findings and obtain agreement and commitment of implementation of recommendations with management that appropriately respond to risks identified and address root causes. Work with business leaders to ensure completion of corrective actions to address concerns identified during audits. Provide insight and thought leadership on strategic and risk management activities of the Bank. Play active and participatory role in governance and executive committee structures within organisation by highlighting risk, opportunities and optimisations. Play a leadership role in the organisation in relation to the company’s mission and core values. Act as the central point for coordinating, monitoring and reporting on risks as part of a Combined Assurance Framework. Take leadership role in this forum. Provide advice and other substantive and administrative support to the Audit Committee, CEO and CFO to help fulfill their fiduciary responsibilities. Assesses the reliability of financial information and the systems and operations, including those outsourced that produce this information. Stakeholder Relationship Management Maintain a strong relationship with key stakeholders including leading engagement with the Board, Executive Committee and business functions in creating a strong culture of compliance. Proactively manage relationships with the regulators ensuring transparent, open and clear communications and that regulatory requests are logged, managed and responded to in a timely fashion. Act as a proactive business partner ensuring timely communications to senior stakeholders for relevant regulatory matters. Drive and lead the spreading of awareness for all relative Audit activities and functions highlighting its implications through providing training and clear and robust advice on regulatory change. Provide advise and consultation to the Bank’s stakeholders to ensure avoiding overlapping/ conflict of interests and abiding to the governing rules and regulations. Oversee development and delivery of a robust Internal Audit program ensuring adequate coverage of regulatory high-risk areas that any material issues are reported and escalated in a timely manner. Develop and maintain strong relationships with other functions in the organisation to achieve greater understanding of operational requirements and integration. Provide direct independent input to the relevant management and executive committees, ensuring adequate Internal Audit oversight, influence and challenge of the relevant risks and control environment of African Bank to maintain a strong and effective control environment. Serve on relevant governance forums representing Internal Audit and report to relevant Board Committees including Board Audit Committee and Board Risk Committee, reporting on relevant audit matters. Present a comprehensive internal audit report to the Board Audit Committee on a quarterly basis, as well as an annual/quarterly plan of the Internal Audit activities, with clear recommendations related to solving problems encountered in managing audit risks. People and Organisation Management Develop and manage direct reports. Manage the hiring, training and development of Internal Audit staff and any co-sourcing or consulting resources used by the function in accordance with the approved budgets for these engagements. Performance management of direct reports. Focuses on key technology systems and existing manual processes which could benefit from automation to improve processes, create efficiencies, or serve clients better. Incorporates use of technology and tools such as data analytics, surveys, etc. into the audit and risk reporting processes. Identifies areas for process improvement and present best practices and benchmarks. Training and development for direct line and department. Develop a training program for the professional audit staff. Employee relations – oversee staff assignments and drives employee engagement efforts. Recruitment and maintain an optimal staffing level for the function to be a value-added business partner sourcing talent for the organization over time and utilizing co-sourcing of certain skills in a cost-effective manner. Investigate and recommend and apply most appropriate audit tools for the current and future state. Develop and implement succession plan for key positions in the team. Maintain and monitor budget for the Internal Audit function. Policies, Processes and Procedures Develop and oversee the implementation of the Internal Audit policies, processes and procedures to ensure all relevant procedural/legislative requirements are fulfilled. Review and provide input into functional and group policies, procedures and systems set to ensure alignment with the overall objectives of the Bank. Ensure compliance with all relevant regulations, banking laws, AML regulations and internal policies and code of conduct in order to maintain Internal Audit function’s sound legal position and mitigate any potential risks.
Nature 1:
Provides a consulting and assurance service that evaluates and improves the effectiveness of the Bank’s risk management, control, and governance processes; ensuring that the Bank complies with Regulatory requirements and conforms to the IIA Standards. Reports on the results of the internal audit activities to Exco, Audit and Compliance Committee, Risk and Capital Management Committee, where required, ensuring the quality and timeliness of deliverables. Oversees and leads the Internal Audit team looking after the Consumer Banking division and provides independent assessments of the adequacy and effectiveness of the systems of internal controls established and maintained by the Consumer Banking management

Operational Risk Analyst

Designation:	RISKANA006 – Operational Risk Analyst
Category:	Middle Management


Posted by:	African Bank
Posted on:	13 May 2024
Reference Number:	RISKANA006
Closing date:	20-May-2024
Position Type:	Permanent
Location:	Midrand Campus
Workplace:	Operational Risk (RISK)
Management Style:

Overview:
1.Managing mplementation and Maintenance of the Operational Risk Management Framework Scheduling and conducting of workshops with management to identify any changes in operational risks at business unit level Re-assessment of controls that mitigate identified risks and rate the effectiveness thereof. Mapping of Processes and Risks and Controls in the processes Advise management on: Various types and classification of risks to ensure all risks are covered including consequence and likelihood ratings. Identification of relevant key risk indicators2.Reporting Conduct follow-up enquiries to assess the extent whereby action plans are executed, KRI’s are monitored and reported on material deviations Monthly KRI Reporting and follow up Client Relationship Management Create and maintain productive relationships with all stakeholder3.Maintain Relationships Create and maintain productive relationships with internal clients through providing advice and conducting client visits Assist the client to understand the ‘real’ versus ‘perceived’ (substance over form) need through the application of risk strategy, leadership, experience and expertise Keep the client informed about progress through written communication, telephone communications and interpersonal meetings Provide input to facilitate the required assurance to the operational risk function on regulatory requirements per assignment Achieving set milestones and deadlines General administration4.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
Nature 1:
To implement the operational risk management framework to support the execution of governing responsibilities within the Group.

Nature 3:

Motivation:

KEY PERFORMANCE AREAS

Behavioural (COMP)
Ability to maintain independenceAdaptability to changeAdhering to Principles & ValuesAnalytical and structural thinkerAssertivenessCoping with pressures & setbacksDeciding & Initiating ActionDelivering Results and Meeting Customer ExpectationsHonestyIntegrityLogical reasoningPlanning and OrganisingPresentation SkillsPresenting and Communicating InformationProfessional scepticismProfessionalismSelf starterThorough & meticulousWork independently

Minimum Education
A Bachelor degree in Risk/Assurance related field

Minimum Experience
3 years experience in a Banking Risk Environment

Technical (COMP)
Analytical skillsClient focusCommunication skillsFeedback skillsInterpersonal skillsKnowledge of Basel frameworkListeningNetworking skillsPersuasive skillsPresentation and Facilitation skillsProject management skillsRelationship building skillsReport writingRisk management skillsTeam PlayerUnderstanding of Database concepts

Financial Manager: Operations Finance

Designation:	SUPFMAN012 – Financial Manager: Operations Finance
Category:	Professionals


Posted by:	African Bank
Posted on:	14 May 2024
Reference Number:	SUPFMAN012
Closing date:	21-May-2024
Position Type:	Permanent
Location:	Midrand
Workplace:	Support Services – Finance (SUPF)
Management Style:

Overview:
MINIMUM EDUCATION Bachelor’s degree in Banking/Finance/ Business or related qualification MINIMUM EXPERIENCE Minimum 5+ working years’ experience within the banking or financial services industry, with exposure to PASA, Bankserv and reconciliation processes CRITICAL COMPETENCIES Strong understanding of bank operations, processes and regulatory requirements In-depth accounting experience and knowledge of the accounting framework Effective communication skills, both verbal and written Excellent analytical and problem-solving skills, with the ability to troubleshoot issues effectively Understanding and knowledge of Payments policies and procedures Ability to influence peers and team members Ability to multitask and balance multiple priorities while maintaining accuracy and quality Planning, organising and executing skills Business Communication skills Financial acumen Project Management Knowledge and understanding of the National Credit Act and PASA Clearing Rules ADDITIONAL COMPETENCIE Interpersonal skills Advanced Computer literacy (advanced MS Office, Accpac, Exactus) Extensive banking experience (dealings with BankservAfrica and PASA) Knowledge of the EDO, EFT, RTC, Debicheck payment streams BEHAVIOURAL ATTRIBUTES Analytical thinking Integration/Holistic thinking Delivering results and meeting customer expectations Process orientation Results driven Collaboration Accountability Customer centricity Taking charge Assertiveness Resilience KEY PERFORMANCE INPUTS / ACTIVITIES 1.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 2.Management of resources and training Develop and maintain staff costs and budgets 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 Managing timelines to meet business expectation Cross skilling of key personnel to ensure continuity and sustainability 3.Management of accounts, banking, settlement, receipting and reconciliations Ensure the valid, accurate and timeous accounting and settlement of accounts Review general ledger accounts to ensure that all entries posted are valid, accurate and complete Perform analytical evaluation of GL accounts Monitor and ensure adherence to all the bank’s policies and procedures Ensuring that financial discipline is adhered to Extract daily reports where needed Ensure the complete, accurate and timeous receipting (daily) Follow up on any unallocated receipts with various departments Write of all unallocated older than 18 months Compile and analyse a report on unallocated for submission to management Manage and reconcile Beneficiary, Summary and detail, Generic, Transactional Banking and Disbursement bank accounts Responsible for timeous resolution of queries and liaising with the relevant stakeholders to result in an effective incident management process Manage the enhancements / change process for incidents logged to improve / reduce reconciling items Responsible for timeous resolution of queries and liaising with the relevant stakeholders to result in an effective incident management process Perform timeous distribution of reconciliations to relevant stakeholders Ensure all invoice payments are valid, accurate and complete, done timeously Ensure that invoices related to Payments are timeously obtained from the Third Parties. Sign off and approval process in place Manage the Procurement process for Payments related invoice and ensure that the applicable SLA’s are adhered to 4.Project deliverables, Policies, Procedures, SOP’s Assist in meeting all targets and timelines as per project plans Assist in ensuring that projects are implemented meeting compliance requirements Assist in drafting and updating of SOP’s, SLA’s, Business Cases and Cost Analysis Propose techniques, methodologies and system designs which appropriately address financial risks associated with new projects Ensure input into business requirements and Functional Specs Test and implement 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 Payments Ensure that projects are implemented taking into account: Policy Documentation Industry Requirements and Relationships Ensuring processes are documented and operationalised 5.Process enhancements Review business requirements to meet the operational requirements of the Payments area Ensure that all documents and all processes and procedures with policies are in place to create a sustainable finance environment for the future of the business Identify opportunities to automate processes to enable volume growth and minimise the requirement for additional resources Implement Monitoring Processes within the Payments Finance environment as and when required Assist with automation process for new products introduced as well as automation of the existent processes Propose and implement various automation and optimisation for the finance components of the Payments area Manage system changes when such changes are related to financial components of the Payments processes Manage integrity of the data used for the accounting and financial reporting when such data is related to financial components of the Payments designated project Ensure that system errors resulting financial impact are addressed timeously and effectively Develop and maintenance of the appropriate policies procedures for Payments Ensure full personal compliance, compliance of the direct reports as well as compliance of the business with Bank’s policies and procedures Continuously manage controls related to the financial components of the Payments department 6.Monitoring, Reporting and Budget Manage the reporting process within Payments Finance ensuring that business needs are met Manage the daily balances confirmation processes Ensure the accurate and timeous completion of management reports Assist with putting the budget together for Payments and monthly monitoring and feedback Assist in planning and managing the budgeting, forecasting processes and cost saving initiatives on behalf of Payments Monitor performance against current budgets and forecasts and advising Payments through monthly performance packs and business review meetings 7.Business knowledge, support and stakeholder liaison Detailed understanding of the business operations impacting the assigned reconciliations and accounting processes Input into service level agreements (SLA) and supplier contracts (MSA) Ensure effective communication of issues and events to internal and external parties in order minimise client impact Manage internal relationships with other collections areas to ensure smooth flow of processes between departments 8.Query handling and other tasks Effective management of Dynamics / CRM queries and related feedback 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 Manage the regression testing process for Payments Finance and ensure that deliverables are met within expected timelines Continually seek to add value in Payments, especially in reducing costs and improving processes Assist other areas with accounting, management and other issues to align them to the Payments Finance function Perform ad hoc duties as requested from line manager Resolve queries by (including CQLS): Conducting investigations Analysing records Reconciling records Raising journals Escalating problems to management when required
Nature 1:
To provide accounting support and insight to the Business. Including but not limited to providing accounting services for Transactional Banking, 3rd party VAS General ledger accounts, all new business ventures or other payment streams as well as managing the relevant reconciliations, assisting in all finance related matters together with preparation of identified management reports. Responsible for managing banking, receipting and reconciliation related activities on our back-office systems (Exactus) in line with the department deliverables

Nature 3:

Motivation:

Junior Systems Administrator

Designation:	SYSTSAD003 – Junior Systems Administrator
Category:	Middle Management


Posted by:	African Bank
Posted on:	17 May 2024
Reference Number:	SYSTSAD003
Closing date:	24-May-2024
Position Type:	Permanent
Location:	Midrand Campus
Workplace:	Open Systems and SQL (SYST)
Management Style:

Overview:
1 – To test functionality of the Gazelle system with regards to enhancement and / or new requirements 1. Execute all tests according to specifications 2. Update test steps on Quality Centre 3. Give regular feedback on test results and status on QC 4. Track and monitor statuses of all logged defects 5. Compile test results during testing 6. Sign off test results and update QC status 7. Communicate relevant status of changes to IT change management 8. Manage post implementation testing after deploy of the change2 – Analyse Exactus functionality 1. Draw daily reports on disbursements 2. Reconcile Gazelle with Exactus 3. Investigate irregularities 4. Investigate random products per day 5. Draw daily adhoc reports as stipulated by Management 6. Highlight possible problems 7. Log bugs with CO’s where necessary 8. Exactus Testing: 9. Execute all tests according to specifications 10. Update test steps to front end BA 11. Give regular feedback on test results and status to BA 12. Track and monitor statuses of all logged defects 13. Compile test results during testing 14. Sign off test results and update QC status where applicable 15. Communicate relevant status of changes to IT change management 16. Manage post implementation testing after deploy of the change3 – 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 policies, 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
Nature 1:
To test functionality of the Gazelle system with regards to enhancement and / or new requirements Analyse Exactus functionality

Nature 3:

Motivation:

KEY PERFORMANCE AREAS

Behavioural (COMP)
AnalysingAssertivenessCoping with Pressures and SetbacksDeciding & Initiating ActionDelivering Results and Meeting Customer ExpectationsDependableFlexibilityLeading and SupervisingPersuading & InfluencingPlanning and OrganisingPresenting and Communicating InformationProfessionalism

Minimum Education
Grade 12 plus Practical Software Testing Certificate

Minimum Experience
1 year working experience with the African Bank’s application systems

Technical (COMP)
Analytical SkillsAttention to detailCommunication Skills (written & verbal)Knowledge of ABL IT systems: Exactus and SQLMS Office (Excel, Word)Planning SkillsRelationship ManagementResilienceResults & deadline driven

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All the best with your applications.

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