Current Roles at Standard Bank Group

JOB DESCRIPTION

• To provide a proficient reception function in support of the Branch team. To identify the customer's needs, record, monitor and facilitate the intermediate between the customer and the sales consultant team and to maintain a high level of integrity and ethical standards.

QUALIFICATIONS

Minimum Qualifications

• Secondary/High school/A levels/Matric

Experience

• Sales and Service
• 1-2 years Branch banking experience, exposure to enquiries and query management.

ADDITIONAL INFORMATION

Behavioural Competencies

• Documenting Facts
• Interpreting Data
• Interacting with People
• Showing Composure
• Thinking Positively

Technical Competencies

• Banking Process & Procedures
• Client Servicing
• Product Knowledge (Consumer Banking)
• Customer Reception and Channelling
• Producing Output

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JOB DESCRIPTION

• To manage any assigned client relationships, (where applicable) with support from experienced relationship managers, across the end to end client engagement value chain, coordinating the origination and execution of client centric solutions ensuring the clients' needs are fulfilled, while managing risk, delivering exceptional client experience and contributing towards defined revenue targets.

QUALIFICATIONS

• Degree in Commerce or related disciplines 
• 3-4 years proficient knowledge of Standard Bank Group value proposition (including  products, services, and capabilities) and internal processes to develop the capability to represent CIB in client facing interactions, and support the end to end provision of flow and structured solutions to clients. Ensure any assigned clients remain up to date on the products and services relevant to their needs and credit analysis.
• 3-4 years experience in conducting research, analysis, interpreting and packaging qualitative and quantitative data. Sound experience in compiling client documentation (pitch books, RFP's etc.)
• 3-4 years experience in portfolio management demonstrating  internal stakeholder collaboration, query management, compliance, reporting, middle office support

ADDITIONAL INFORMATION

Technical Competencies:

• Business Development
• Client Business Case
• Client Knowledge
• Client Retention
• Client Servicing

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JOB DESCRIPTION

• To provide extensive monitoring and MI, prepare Credit Risk data and reports; including MI to the business and reports to Committees and at Group level. To support delivery of projects involving credit risk at a local and wider Group level. To provide administrative assistance to the Credit Risk team.

QUALIFICATIONS

Minimum Qualifications
Type of Qualification: Bachelor of Commerce or Bachelor of Science
Field of Study: Finance or Accounting or Mathematical Science
Experience Required
Credit Risk Assurance
Risk & Corporate Affairs
3 - 4 years

• Experience in analytical work, ideally in Credit Risk. Experience in building models (credit scoring, propensity models, churn, etc.) Experience gained in a credit environment where. Familiarity with use of query languages such as SQL. Some exposure to managing projects on behalf of a business unit and acting as the interface between the business unit and the project team.

ADDITIONAL INFORMATION

Behavioral Competencies:

• Articulating Information
• Convincing People
• Interpreting Data
• Providing Insights
• Team Working

Technical Competencies:

• Data Management (Administration)
• Evaluating Risk Management Effectiveness
• Risk Awareness
• Risk Management
• Risk Reporting
• Statistical & Mathematical Analysis

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JOB DESCRIPTION

• To contribute to a positive workforce experience for Group CoEs or designated business units/corporate functions/geographies, by solutioning to address requirements. To partner with relevant stakeholders to understand business needs and deliver data driven
• insights, pertinent to the CoE, for decision making. To interpret future requirements and shifts in CoE practice, implementing end-to-end solutions, prioritising and ensuring alignmentof CoE initiatives implemented, to address needs.

QUALIFICATIONS
Minimum qualifications

• Degree in Social Science or equivalent.

Experience required

• Minimum of 5-7 years demonstrated workplace experience in Learning with evidence of contribution to the People & Culture practice.
• Must have prior experience in achieving compliance with standards in terms of learning content and use of assessors and moderators by engaging with the learning operations team to support the process of regulatory engagement on the formal accreditation of learning programmes where accreditation is required.
• Must have the ability to collaborate with key stakeholders and business leaders around learning experiences and enhancements to gain an understanding of their requirements to inform recommendations; use deductive and inductive research and analytics approaches to deliver impactful and insightful reports that support learning related, people driven, decision making.
• Prior experience in collaborating with the learning community, providing input on the development and curation of customised learning experience solutions for employees that enable the achievement of business areas' workforce capability priorities.
• Experience in contributing  suggestions on the design and content of learning technology, taking into account the various end user segments across the enterprise and ensuring that it is in line with group standards and Corporate Identity, to support a positive, seamless, digitally enabled and integrated user experience of the technology.

Contribute to the assessment of learning impact on the business by providing feedback on whether the digital landscape of learning remains fit-for-purpose and future-proof whilst maintaining the relevancy of learning for current, evolving and future learning priorities.

ADDITIONAL INFORMATION
Behavioural Competencies

• Adopting Practical Approaches
• Articulating Information
• Providing Insights
• Establishing Rapport
• Embracing Change
• Team Working
• Upholding Standards

Technical Competencies

• Solution Design
• Solution Delivery
• Workforce insights
• Decision Making
• P&C Solution Marketing
• Teaming

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JOB DESCRIPTION

• To identify, grow and retain merchant and user engagement strategies for implementation in order to drive visibility, scale, and adoption of the platform. To engage and guide merchants in terms of the role they play for the platform and the available functionality on the platform, gather feedback to determine areas of improvement, from a platform usability and value-adding offerings perspective and collaborate with marketing and communications to identify marketing opportunities.

QUALIFICATIONS

Minimum Qualifications
Type of Qualification: First Degree
Field of Study: Relevant business-related tertiary qualification (e.g., relevant bachelor’s degree or Business Management Diploma)
Experience Required
Business & Commercial Clients

• Minimum of 6  years’ general banking experience of which 3-5 years should have been in a relevant leadership role within Card Issuing and Merchant Solutions. Sound experience and knowledge in sales and service, and compliance matters.  3-4 years’ experience in dealing with SE, Business Banking, Commercial Banking and CIB customers at all levels. As well as people management experience in leading teams and motivating people

ADDITIONAL INFORMATION

Behavioral Competencies:

• Articulating Information
• Directing People
• Embracing Change
• Examining Information

Technical Competencies:

• Attitude of Customer Experience
• Client Business Case
• Client Retention
• Client Value Propositions
• Development

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JOB DESCRIPTION

• Provide Leadership and Team Effectiveness subject-matter expertise and focus to develop Leadership and Team Effectiveness strategies, principles, policies and standards and design fit-for-purpose initiatives to optimise leadership and team performance across Standard Bank Group, integrating these within the greater Leadership Practice agenda to achieve maximum organisational impact and promote greater organisational health.

QUALIFICATIONS
Minimum qualifications

• Degree in Behavioural Science / Social Science.

Experience required

• Minimum of 10 -12 years experience in a consulting or HR generalist position in a multi-national organisation, reflecting a high level of proficiency in strategic business partner support.
• Must have at least 5 – 7 years Specialist experience in the application of leadership or team effectiveness disciplines and designing fit-for-purpose solutions, with experience in large scale organisational design and change efforts.
• Prior experience in setting Leadership and Team Effectiveness strategies and minimum standards, create organising frameworks and define key influences (using global benchmarks and best practices to inform strategic focus areas) and cascade across the organisation to positively influence delivery of leadership and team effectiveness initiatives and contribute to the Leadership Practice goals.
• Ability to utilize research, data and insights, identify obstacles, gaps and opportunities for improvement to desired organizational leadership and team practices, explore and research possible solutions, generate options and brainstorm, evaluate and agree way forward in terms of governance.
• Lead implementation projects resourced with appropriate cross-functional teams, project ownership and governance to effectively roll out initiatives and change enablement to promote application, monitor benefit realisation and contribute to the delivery of the Leadership Practice goals.
• Proven experience in providing specialist expertise in the form of advice, guidance, coaching and consulting to GCE-1 (level below Group Chief Executive)and CCE-1 (Country Chief Executive) to establish a consistent standard and narrative of the Leadership Practice disciplines and support leaders at all levels to grow and contribute to leadership and team effectiveness.

ADDITIONAL INFORMATION
Behavioural Competencies

• Providing Insights
• Adopting Practical Approaches
• Exploring Possibilities
• Articulating Information
• Team Working
• Interacting with People
• Developing Expertise

Technical Competencies

• Change Enablement
• Inclusive Facilitation
• Organisational Awareness
• People & Culture Consulting
• Working in a Matrix Structure
• Solution Design
• Data Analytics and Visualisation

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JOB DESCRIPTION

To lead and review the audit process for a portfolio of audits through audit execution and oversight of the audit team to independently and objectively provide assurance that enables client centric risk management.

• Build strong relationships with relevant senior internal stakeholders to understand the business and to enable assurance processes and GIA's wider objectives.
• Assess, identify and report on practices in the scope of audit projects which negatively impact client experience and raise recommendations to improve client experience.
• Adhere to GIA methodology, policies and procedures. Manage adherence of team members on audit projects. Guide team members to enhance their understanding and application of GIA methodology, policies and procedures.
• Manage and execute data led audit testing to assess the design and operating effectiveness of controls, determine audit findings and residual risk, and agree remediation to address root causes.  Engage all relevant GIA specialists to obtain input and agreement of the audit findings. Review, assess and approve all audit project work for quality, accuracy and adherence to GIA methodology. Communicate and agree findings with relevant auditees accountable for the areas under review

QUALIFICATIONS

Minimum Qualifications, certifications or professional memberships

• B Comm Accounting / B Comm Quantitative Risk Management / BSc Data Science (or similar) - Min
• Post Graduate Degree (Maths, Statistics, Data Science) - Pref
• Relevant professional membership will be required based on specialty - Min

ADDITIONAL INFORMATION

Experience Required

• 3 - 5 years: Experience analysing complex sets of data to interpret, visualise and identify trends. Understanding of IT controls.
• 3 - 5 years: Experience in managing consumer (retail) credit risk throughout the life cycle across different products. Understanding of control environment  Understanding of strategy setting, monitoring and reporting
• 3 - 5 years: In depth understanding of the management in model risk across different business areas and products.  Able to provide assurance on model development, monitoring, implementation, validation and usage.  Ability to reperform testing by other assurance providers.  Proficient in scripting in SQL, SAS, Python and similar scripting languages
• 5 - 7 years: Planning and executing audits. Managing and engaging with various stakeholders at a Senior Level. Experience in managing and leading teams with a proven track record of delegating and prioritizing tasks.

Behavioural & Technical Competencies

• Developing Strategies: This competency includes facets of behaviour such as being visionary and establishing effective plans that take into consideration long-term aspects. This competency also includes the need for individuals to focus on identifying trends.
• Taking Action: This competency is about taking action in service of achieving the organisation's goals. It is about being energetic, showing initiative and being action oriented.
• Interpreting Data: This competency is about interpreting data accurately with an emphasis on the processing and interpretation of numbers. This competency also includes the utilisation of technology.
• Internal Auditing: The ability to follow a systematic, disciplined approach to evaluate and improve the effectiveness of risk management, control, and governance processes in accordance with the IA professional standards to enhance and protect organisational value
• Maintain IA Professional Practices: Knowledge of Internal Audit International Professional Practices and apply them to improve the audit methodology, and as a quality standard for audit engagement deliverables to ensure continuous improvement of the audit function.
• IA Data Analysis: The ability to inspect, transform and model data to inform and support the internal audit process and decision-making

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JOB DESCRIPTION

• To manage any assigned client relationships, (where applicable) with support from experienced relationship managers, across the end to end client engagement value chain, coordinating the origination and execution of client centric solutions ensuring the clients' needs are fulfilled, while managing risk, delivering exceptional client experience and contributing towards defined revenue targets.

QUALIFICATIONS

• Degree in Commerce or related disciplines 
• 3-4 years proficient knowledge of Standard Bank Group value proposition (including  products, services, and capabilities) and internal processes to develop the capability to represent CIB in client facing interactions, and support the end to end provision of flow and structured solutions to clients. Ensure any assigned clients remain up to date on the products and services relevant to their needs and credit analysis.
• 3-4 years experience in conducting research, analysis, interpreting and packaging qualitative and quantitative data. Sound experience in compiling client documentation (pitch books, RFP's etc.)
• 3-4 years experience in portfolio management demonstrating  internal stakeholder collaboration, query management, compliance, reporting, middle office support

ADDITIONAL INFORMATION

Technical Competencies:

• Business Development
• Client Business Case
• Client Knowledge
• Client Retention
• Client Servicing

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JOB DESCRIPTION

To define money management and financial wellness solutions for Personal and Private Banking South Africa (PPB SA). To drive a mind shift change from traditional product selling to assisting clients holistic financial wellness through integrating best practice money management principles across all CVPs, products and reward programmes for PPB SA

• Define market leading strategy for financial wellness in order to enable financial planning and advisory expertise across the business
• Develop financial wellness and coaching (staff and customers) concepts, philosophy and frameworks.
• Integrate money management principles across all CVPs, products and rewards for PPB SA
• Drive mindset change to promote financial wellness as a key driver of the business strategy
• Promote responsible lending through the provision of input into segment and product value propositions.
• Focus on shifting conversations to be more personal financial wellness based as opposed to selling a product.
• Assist in providing marketing and PR content related on Money Management and Financial Planning.
• Research and recommend alternative remuneration models and scorecards for frontline.
• Assists with scoping first-of-its-kind solutions and initiatives to deliver on the Money Management strategy – assists in leading from blue sky thinking to business-as-usual implementation.
• Demonstrates deep client understanding – challenges/struggles, behaviour shifts needed, ideal next steps, etc. across the PPBSA client segment continuum.
• Demonstrates Financial Planning and Advisory Expertise as well as a deep understanding of regulatory environment
• Leads on Business Cases & Strategic KPIs for the Business Unit
• Drives research initiatives – hypothesis formulation, scope, testing, etc.
• Provide formal and informal training content for upskilling of employees & frontline
• Provide guidance to coverage teams on how to operationalize financial wellness and advisory aspects of the CVP across client continuum.

QUALIFICATIONS

Minimum Qualifications
Type of Qualification: First Degree
Field of Study: Business Commerce
Experience Required
Unayo

• Business & Commercial Clients
• More than 10 years
• Experience in the development of value propositions in a financial services environment with a focus on financial wellness.

ADDITIONAL INFORMATION

Behavioral Competencies:

• Adopting Practical Approaches
• Challenging Ideas
• Convincing People
• Exploring Possibilities
• Generating Ideas
• Interacting with People
• Making Decisions
• Providing Insights
• Pursuing Goals
• Resolving Conflict
• Seizing Opportunities
• Thinking Positively

Technical Competencies:

• Client Business Case
• Coaching and Mentoring
• Customer Understanding ( Consumer Banking)
• Mind of Customer Experience
• Performance Management
• Platform Management
• Strategy Definition

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JOB DESCRIPTION

• To comprehensively manage the credit risk of the allocated lending portfolio, specifically in respect of originations, assessment of credit risk, sanctions, credit risk management, account maintenance and distressed and high-risk accounts in keeping with the BCB credit policies, guidelines and risk appetite. Proactively supports business partners and ecosystem methodology in understanding and meeting client lending needs and solution for complex client specific needs.

QUALIFICATIONS

Qualification Required

• B/Comm Accounting or Financial Management Degree

Experience Required

• 5 - 8 years’ experience 

Thorough conceptual and practical knowledge of credit procedures, policies and standards, as well as a thorough understanding of products and facilities that give rise to counterparty credit risk. Understanding of Basel and broader regulatory and compliance requirements. Credit evaluations experience, preferably across Business and Commercial Banking and Corporate and Investment Banking . Deep understanding of credit principles and financial statements. Understands collateral, credit risk and collections processes. Previous Structured and Specialised Lending credit experience is an advantage

ADDITIONAL INFORMATION

Behavioural Competencies

• Interpreting Data
• Interacting with People
• Making Decisions
• Empowering Individuals
• Team Working
• Pursuing Goals

Technical Competencies 

• Loan Processing
• Account Opening & Maintenance
• Credit Delivery
• Application & Submission Verification (Business Banking)
• Customer Acceptance & Review (Business Banking)

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JOB DESCRIPTION

• To lead the People & Culture portfolio for Personal & Private Banking, Central Area (Middle, Youth & Mass Segments), using specialist knowledge, collaborating with senior stakeholders; advising on crafting & execution of bespoke & pragmatic people solutions. To formulate a way forward for that is fit for purpose, advances the business agenda & people experience within a transforming organisation. To lead the change agenda, managing various stakeholders, ensuring visibility of the Business Partnering team in resolving highly complex problems.

QUALIFICATIONS
Minimum qualifications

• Degree in Human Resources Management / Behavioural Science / Social Science.

Experience required

• More than 10 years experience in People & Culture, with at least 5 years managing and leading a team.
• Experience focusing on partnering with business managers, taking a commercial approach, using data & insights.
• Experience within a multinational company working with and influencing senior management teams on People & Culture matters in a complex environment.
• Demonstrated knowledge & understanding of the role People & Culture management plays in enabling business commercial & social relevance, whilst remaining relevant to the people within the business.
• Track record of successfully implementing integrated, effective People & Culture solutions in support of business specific objectives & driving for a sustainable performance in the businesses.

ADDITIONAL INFORMATION
Behavioural Competencies

• Developing Strategies
• Providing Insights
• Upholding Standards
• Directing People
• Establishing Rapport
• Embracing Change

Technical Competencies

• Organisational Navigation
• Integrative Leadership
• Inclusive Facilitation
• Digital Advocacy
• Decision Making

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JOB DESCRIPTION

• To provide full Costing and Recoveries services to various areas in the bank, through engagement and the leading of teams. Develop and implement Costing & Recoveries processes, models and controls in the finance area.

QUALIFICATIONS

Minimum Qualifications

• Type of Qualification: First Degree
• Field of Study: Business Commerce, Mathematical Sciences

Experience Required

• 3-4 years Experience in general banking, finance and cost management.

ADDITIONAL INFORMATION

Behavioral Competencies:

• Generating Ideas
• Exploring Possibilities
• Adopting Practical Approaches
• Articulating Information
• Convincing People

Technical Competencies:

• Financial Acumen
• Financial Analysis
• Statistical & Mathematical Analysis
• Management Accounting
• Transfer Pricing

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JOB DESCRIPTION

To provide strategic leadership, direction and implementation of NFR oversight across the Technology domain. To provide strong management and Non-Financial support to the Head, Technology Non-Financial Risk Oversight, and serve as a key enabler to achieving the business objectives of the Technology domain.

• Influence, develop, implement and monitor the business unit Technology Non-Financial Risk strategy and framework.
• Lead the optimisation of the risk profile in the Technology portfolios
• Drive efficient and effective risk & control management implementation in Technology portfolios
• Provide thought and people leadership in the Technology Non-Financial Risk function

QUALIFICATIONS

• A commercial degree in risk management or similar
• A degree or diploma in technology or similar
• Masters level qualification in Commerce, Business Administration or Risk Management Professional qualifications and/or significant experience in accountancy, IT, finance or audit as well as certifications such as CPA, CFA, ACA, CISA, or IIA, would be a distinct advantage.

Experience Required
Operational Risk Management
Risk & Corporate Affairs
5-7 years

• Risk – Non-Financial Risk- Practical knowledge of risk and control frameworks and application in financial services industry. Be fully conversant in risk appetite, risk response and process improvement concepts. Understand both Non-Financial risk and financial reporting risk characteristics.

ADDITIONAL INFORMATION

Behavioral Competencies:

• Articulating Information
• Challenging Ideas
• Convincing People
• Developing Strategies
• Directing People
• Embracing Change
• Exploring Possibilities
• Generating Ideas
• Making Decisions
• Providing Insights
• Resolving Conflict
• Upholding Standards

Technical Competencies:

• Analysing Insurable Risk
• Economic Capital Management
• Evaluating Risk Management Effectiveness
• Risk Identification
• Risk Measurement
• Risk Reporting
• Risk Response Strategy
• Risk/ Reward Thinking

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JOB DESCRIPTION

• Fully accountable to provide functional support for the financial management function. This will involve investigating, analysing and reporting on transactional financial data and information. Management of all Software and/or IT/Infrastructure services related cost centres for the bank, including the daily review of the costs paid into each cost centre and accounting for the cost in the correct accounting treatment, simultaneously ensuring recoveries correct.

QUALIFICATIONS

Minimum Qualifications
Type of Qualification: Bachelor's Degree
Field of Study: Finance or Commerce
Other Minimum Qualifications, Certifications or Professional Memberships: BCom Honours OR CGMA OR CA(SA)

ADDITIONAL INFORMATION

Behavioural Competencies:

• Exploring Possibilities
• Developing Strategies
• Providing Insights
• Adopting Practical Approaches
• Developing Expertise

Technical Competencies:

• Expense Processing
• Financial and Accounting Control
• Planning, Forecasting and Budgeting
• Interpreting Financial Statements
• Preparing Financial Statements

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JOB DESCRIPTION

• To develop, lead and drive the strategy/direction of digital data and analytics across all digital platforms for the Standard Bank Group, to unlock revenue and efficiency opportunities through effective digital data management and analysis. To lead the Digital Analytics Function to drive the usage of data, data platforms and tools to obtain an in-depth understanding of customer trends, preferences and commercial drivers to improve decision-making, customer experience & sustainable development.

QUALIFICATIONS

Minimum Qualifications:

• Type of Qualification: Post Graduate Degree
• Field of Study: Marketing, Mathematical Sciences or Quantitative Studies

Experience Required:

• Digital Enablement & Platforms
• Brand & Marketing
• 8-10 years - Effective management of a brand, ensuring the best public image of the organisation is seen. Experience in multiple industries and marketing in different African or other international countries would be advantageous.
• The role requires a seasoned, holistic entrepreneurial leader who is customer focused with proven organisational capability and profound knowledge of the full dimensions of the Brand and Marketing field, gained from a track record of 10 years or more in functional leadership who is capable of influencing outstanding leaders and a large body of employees. Experience in digital analytics, data management, data architecture and enablement, leading technology change platforms.

ADDITIONAL INFORMATION

Behavioral Competencies:

• Adopting Practical Approaches
• Articulating Information
• Checking Details
• Providing Insights
• Team Working

Technical Competencies:

• Analysing and Interpreting Information
• Client Journeys and Personas
• Conducting Research
• Digital Analytics and Reporting
• Measuring Marketing and Communication

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JOB DESCRIPTION

• To lead the implementation of the Standard Bank Risk Management Data Privacy Compliance Framework and as it relates to the holistic approach to Information Risk Management. To ensure Group compliance with applicable Privacy laws, regulations and industry standards including the all the SBG entities and jurisdictions. To lead the implementation of the Data Privacy Compliance Framework across all countries & jurisdictions.

QUALIFICATIONS

Key Responsibilities:

• Work closely together with Business Units, Information Risk and Legal to ensure that intercompany legal agreements meets regulatory requirements and enables the interoperability of personal information across the Group. 
• Collaborate with various stakeholders across the Group (e.g. Internal Audit Group Risk, Compliance, People and Culture, Legal) and other internal stakeholders ensuring group-wide alignment between Data Privacy and the Group’s Ethics and Code of Conduct statement. 
• Provide specialised advice to senior stakeholders across Business Units, Legal Entities and Corporate Functions in collaboration with key stakeholders such Non-Financial Risk, Information Technology, Compliance, Group Legal and Local Data Privacy Officers, across all countries & jurisdictions, on the required minimum standards, strategies, projects, plans, initiatives, reporting and other relevant activities to ensure compliance with all standards and legislative requirements.
• Develop the Data Privacy Compliance Framework - covering strategy, policy, process, procedures, standards, guidelines, training, objectives, metrics and governance - to ensure consistency of implementation and the alignment to the changing regulatory and legislative requirements across all relevant countries and jurisdictions and international best practices and standards.
• Devise and agree Data Privacy Operating Standards and other related data privacy policy documents at a Group level, ensuring alignment with the implementation of personal information processing activities across the Group.

Qualifications

• A degree in Information Technology is required  
• A Degree in Legal is compulsory for this role. 

Experience: 

• The candidate requires Banking experience. Deep level of understanding of Financial Services and the importance of Data Privacy. The candidate requires risk management experience.
• The role requires a leader seasoned and expert in Legal and Risk Management with profound knowledge of the full dimensions of the field, but deep expertise in the relevant area of specialisation - Data Privacy. Regulatory environment savvy, a proven track record in influencing seasoned leaders and employees across multiple countries, Client Segments and Client Solutions to effectively implement Data Privacy Compliance Frameworks. Be able to quote the acts applicable to Data Privacy.

ADDITIONAL INFORMATION

Behavioral Competencies:

• Convincing People
• Developing Expertise
• Developing Strategies
• Directing People
• Embracing Change
• Empowering Individuals
• Establishing Rapport
• Exploring Possibilities
• Interpreting Data
• Making Decisions
• Providing Insights
• Upholding Standards

Technical Competencies:

• Compliance
• Financial Industry Regulatory Framework
• Information Management
• Legal Compliance
• Promote Good Governance, Risk & Control
• Risk Management