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Lets find opportunities together. Lets get it done. As a subsidiary of The Bidvest Group Limited, were an entrepreneurial bank that seeks out the opportunities and market gaps which traditional banking often ignores. By being flexible and nimble, were able to service our customers better than anyone else. How? We understand that no two individuals are ali...
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Primary Purpose
- To execute the Fleet & Asset Finance sales opportunities within agreed – chosen segments in order to achieve the desired targets and build and maintain effective relationships.
Minimum Requirements
Qualifications
- Matric
- Tertiary qualifications, preferred BCOM and credit qualification
- Fleet Management preferred
- FAIS qualification preferred
- Credit Fundamentals preferred
- Presentation skill essential
- Business case skills essential
- Selling skills essential
Experience
- 3-5 years experience in the fleet or banking industry
Competencies
- Business acumen
- Attention to detail
- Self-confidence
- Teamwork
- Adaptability
- Ability to build and maintain effective relationships
- Energy and Drive
- Independence
- Leadership
- Takes initiative
- Microsoft Outlook, word and Excel efficiency
Duties and Responsibilities
FINANCE
New Business Development
- Attain New Business targets in line with Fleet & Asset Finance chosen segment and the agreed customer value proposition.
- Achieve targets in line with ROE’s by driving and securing quality business price for risk
- Pro-actively identify and develop business potential.
- Gather and submit information about competitor activity and market development
- Maximize bank profitability through cross selling specifically focusing on value adds and acquisitions.
- Meet weekly & Monthly targets in terms of set number of prospecting phone calls and new business meetings.
- Actively manage 50 - 60 active prospects based on the 80/20 principal of Hot, Warm status.
OPERATIONAL EXCELLENCE
Service and Sales Management
- Services and sells to existing and potential customers through the use of effective service and sales management and the marketing of VAF products.
- Grows new customer base by networking, cold-calling and effective sales and services tactics.
- Cross-sells VAF’s insurance products as well as maximizes fees recovered on the portfolio to the extent that profits are maximized, and customer needs are met.
- Interacts with clients to obtain and analyse financial material e.g. AFS, Bank Statements, Debtors lists,
- Management accounts, cash flow budgets etc. in terms of agreed covenants.
- Assists with related queries, where possible, and facilitates when specialist advice is required.
- Ensures effective presentations and proposals to customers with the aim of growing the portfolio.
- Ensures successful retention of existing customers in the assigned portfolios by strengthening and expanding relationships. This is achieved by having a deep understanding of the customers’ business requirements and servicing their financial needs with regards to asset financing.
- Conducts ongoing and accurate territory and portfolio analysis to identify business potential and ensures that this forms the basis of service and call programs.
- Tracks and manages sales targets and budgets.
- Mines customers portfolio data to identify opportunities for additional facilities.
- Maintains ongoing knowledge of portfolio performance to ensure corrective actions can be taken early.
- Prepares and motivates Pre-Credit Forum and SA Credit Committee papers when applicable.
- Provides customers with feedback on reclassification of services requests outstanding documentation and telephonic resolution feedback according to customer relationship standards.
- Ensures that all leads are logged correctly and ensures cross selling opportunities are identified.
- Identifies and actions opportunities for cross and up sell.
- Identifies migration opportunities and sells products and services reactively.
Collaboration and Sales Management
- Sells to potential customers using effective sales management and the marketing of VAF products.
- Grows new customer base by networking, cold-calling and effective sales and services tactics.
- Cross-sells VAF’s products as well as maximizes fees recovered on the portfolio to the extent that profits are maximized, and customer needs are met.
- Interacts with clients to obtain and analyse financial material e.g. Debtors’ lists, management accounts, cash flow budgets in terms of agreed covenants.
- Assists with related queries, where possible, and facilitates when specialist advice is required.
- Ensures effective presentations and proposals to customers with the aim of growing the portfolio.
- Conducts ongoing an accurate territory and portfolio analysis to identify business potential and ensures this forms part of the targeted marketing strategy.
- Tracks and manages sales targets and budgets.
- Mines GRP, partner and dealer relationships for Fleet opportunities.
- Maintains ongoing Fleet and banking to ensure skills and expertise are developed.
- Prepares and motivates pre credit forum and credit committee papers.
- Provides customers with feedback and manages client expectations and experience.
- Ensures that all leads are logged correctly, minutes are captured accurately and shared with the client and ensures cross selling opportunities are identified.
Risk and Compliance
- Ensures compliance with all relevant legislation.
- Complete all compliance training within laid down timelines.
- Ensure accurate preparation and signing of facilities letters.
- Managed and facilitate all stakeholders in terms of response time and input on client contracts and approvals.
CUSTOMER CENTRICITY
Relationship and Stakeholder Management
- Develops and maintains close business relationships with internal and external customers and maintains a high standard and quality of business.
- Establishes and builds one on one relationships with customers in the assigned portfolios by delivering the expected level of service, specifically focusing on a proactive contact calling program.
- Ensure effective sales reporting to applicable stakeholders across the channels and segments.
- Ensures effective presentation of proposals to credit committees at all levels, as necessary, to ensure the business and other stakeholders understands and are able to make a decision on key requirements.
- Fulfils a training/coaching role by up skilling the consultants, VAF Sales support regarding business knowledge and process management.
- Establishes a sound working relationship with Credit, to ensure prompt turnaround times, accuracy and adherence to deadlines.
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The job purpose of an International Payments Product Owner is to oversee and manage the development (Launching new features and functionalities for international payment), enhancement (Continuously improving existing international methods), and optimization (Streamlining processes and user experience for international payments) of international payment products and services within Bidvest Bank. This role typically involves a focus on various forms of international money transfer mechanisms such as remittance (Sending money from one person to another), telegraphic transfer (A secure and fast way to electronically send money between banks), SWIFT payments (Utilising the Societies for Worldwide Interbank Financial Telecommunication (SWIFT) network for secure international money transfers, and other related services
Minimum Requirements
- Diploma in Business Management
- 3-5 Years experience in producer ownership focusing on international payments processing
Your day at Bidvest Bank will involve:
Technology Competency Requirements
- Knowledge of foreign exchange rates and fluctuations for managing costs and risks associated with international payments.
- Strong cybersecurity knowledge to protect sensitive financial data.
- Ability to manage currency risk: advise on the best times to convert currencies for international payments.
- Understanding of payment systems: Knowledge of various international payment systems such as SWIFT, local clearing systems, etc.
- Compliance and regulation: Understanding of regulatory requirements for cross-border payments including AML (Anti-Money Laundering) and KYC (Know Your Customer) regulations.
- Security protocols: Familiarity with security protocols and standards like PCI DSS (Payment Card Industry Data Security Standard).
- API integration: Ability to work with APIs (Application Programming Interfaces) for seamless integration with banking systems, payment gateways, and third-party providers.
- Data analytics: Proficiency in data analysis to monitor transaction trends, detect anomalies, and optimize payment processes.
- Blockchain: Awareness of blockchain technology especially in relation to international remittance and settlement.
- Payment fraud prevention: Understanding of fraud detection and prevention techniques to safeguard transactions and customer data.
- Mobile and digital payments: Knowledge of mobile wallets, digital payment platforms, and emerging technologies in the payments space.
- Agile methodologies: Experience with Agile frameworks like Scrum to manage product development cycles effectively.
- Stakeholder management: Ability to collaborate with cross-functional teams including developers, designers, compliance officers, and business stakeholders to deliver high-quality products.
- Continuous learning: Willingness to stay updated on industry trends, new technologies, and regulatory changes impacting international payments.
- Problem-solving skills: Capacity to identify challenges, propose solutions, and make data-driven decisions to enhance the international payments product.
Financial management
- Collaboration: Collaborate with Sales teams to drive International Payment sales targets for the Bank.
- Cost Optimization: Optimizing transaction processing costs, minimizing fees, and negotiating favourable rates with partners.
- Revenue Growth: Developing features that drive product adoption and increase transaction volume, leading to revenue growth.
- Return on Investment (ROI): Tracking and measuring the ROI of new features and ensuring the product delivers financial benefits.
Operational Excellence
- Process Improvement: Identifying bottlenecks and inefficiencies in the international payments process and implementing improvements.
- Streamlined Operations: Creating a seamless workflow for internal teams involved in processing international payments.
- Team Engagement: Fostering a culture of collaboration and open communication within the development team and stakeholders.
- Creating and maintaining a product roadmap that outlines the evolution of international payment products, prioritizing features and enhancements based on business value and customer feedback.
- Collaborating with cross-functional teams including engineering, design, and operations to conceptualize, plan, and implement new international payment products and features.
- Ensure that processes are followed to ensure efficiency.
- Ensure that day to day processes and procedures are efficiently executed.
- Design and review procedures and processes as required.
- Problem identification, resolution, and mitigation
- Identification of key growth initiatives
- Ensuring that international payment products comply with relevant regulatory requirements and standards, including those related to anti-money laundering (AML) and Know Your Customer (KYC) regulations
- Identifying and mitigating risks associated with international payments, such as fraud, currency fluctuations, and operational issues.
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Primary Purpose
This role is responsible for the strategic direction, growth, and performance of the business banking segment within the Inland region. You will be responsible for developing and executing business plans that align with PBB and Bank objectives while ensuring profitability, customer satisfaction, and regulatory compliance. Additionally, you will lead a team of business banking professionals, providing guidance, coaching, and support to achieve sales targets, manage risk effectively, and deliver exceptional service to clients. Your role involves fostering strong relationships with key stakeholders, including internal teams, external partners, and business clients, to identify opportunities for growth, address challenges, and enhance the overall business banking experience. Through your leadership and strategic vision, you will contribute to the success and expansion of the business banking portfolio within the region, driving revenue growth, market share, and long-term sustainability.
Minimum Requirements
Qualifications
- A bachelor's degree in business administration, finance, economics other similar qualification
- RE 1
Experience
- 8-10 years extensive experience in business banking or commercial banking, with a strong understanding of banking products, services, and market dynamics
- 8 years’ experience in Banking Industry
- Minimum 6 years’ experience in a management role
- Bachelor's degree in Business Administration, Finance, Economics, or a related field
- Proven and demonstrable success in developing Sales frameworks and meeting sales targets.
- Extensive experience of managing a diverse workload in relation to business banking and have.
Duties and Responsibilities include but not limited to:
FINANCE
- Implement and drive revenue growth and cost savins initiatives aligned with PBB strategic focus.
CUSTOMER CENTRICITY
- Serve business clients, across industries, who want to maintain and grow their business that can be catered for across the product line
- Drive the implementation and adoption of the Banks service standards.
CARES
- Aligned with the Bank strategic pillar of Client Centricity
OPERATIONAL EXCELLENCE
- Ensure proper compliance, efficiencies, governance and risk processes as well as procedures.
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Primary Purpose
Responsible for achieving Acquiring & Merchant Sales targets for the relevant region, Inclusive of cross-selling of all other banking products & services, in order to ensure continuous customer & product growth.
Managing relationships with customers & potential customers, including BB Group Company, Group Company reach, third party processors, partners & stakeholders.
Training of new customers and staff on acquiring payment processing methods / procedures, equipment & devices.
Minimum Requirements
QUALIFICATION
- Matric or equivalent qualification
- Degree / Diploma in Business related field (Ideal)
EXPERIENCE
- 5 years' experience in the payments and / or banking industry, preferably with acquiring, card and / or merchant experience
- Payments knowledge both within the issuing and acquiring environments
- Customer focused
- Understanding the sales dynamics and targets (Ideal)
- 5 to 10 years in the payments and / or financial industry, preferably with acquiring (card) and / or merchant experience (Ideal)
Duties and Responsibilities include but not limited to:
FINANCE & OPERATIONS
- Identify acquiring & merchant sales opportunities and offer solutions appropriate for the merchant’s requirements, goal & objectives by applying the tools which outlines the products merchants currently have and the propensity for new product take-up, in order to continually grow the customer base
- Understand the complexities & dynamics of the sales acquiring / merchant targets, achieve and exceed these consistently
- Adopt a commercial approach to appropriate cost-to-service, versus value generation to achieve the agreed business turnover and other revenue targets
- Achieve and exceed the agreed merchant service fee targets by negotiating additional charges, pricing and any other applicable fees relevant to the product / solution presented to and sold to the merchant and / or prospective merchant
- Participate in the design and execution of the respective Regional Sales plan, to ensure that targets are delivered through ‘cross-selling’ and in order to grow the organisation’s customer base
- Action and manage all sales leads received from potential merchants, as well as all internal business partners within the agreed service level agreements and turnaround times, end-to-end
- Negotiate pricing, complete & sign new merchant and other related agreements prior to implementation
- Execute on the Regional Sales plans by ensuring an increase in the percentage of customers taking merchant acquiring solutions by conversion of qualified leads into sales by selling offers, which benefit the merchant, as well as the organisation
- Achieve sales (new business & existing growth), that will establish BB Merchant Services & Customer Solutions as a ‘centre-of-excellence’ for sales execution across the organisation’s targeted markets
- Continuously keep abreast of the latest developments and trends with regards to customer expectations and service delivery
- Recommend payment solutions (POS, e-commerce & Integrated Payment Gateways), based on projections of the volume and monetary amount of daily transactions and the demographic environments being serviced / served
- Monitor effectiveness of Regional Sales campaigns to ensure delivery thereof and implement remedial improvements for future campaigns if, where & when required
- Work closely with internal & external business stakeholders / partners, to ensure that the sales execution delivers on ‘best-in-class’ products, services & support
- Monitor individual sales performance on a daily / weekly /monthly / quarterly & annual basis and provide feedback to management in how to improve performance
- Ensure management is regularly up-dated on sales activities, pipeline prospects and pending deals via regular and agreed call & activity reports, as well as weekly sales performance & feedback reports
Create and execute opportunities and prospects for new business, by working through potential customer lists and find new innovative ways of selling other than via the normal channels
- Review national competitor information, market trends on a regular basis and propose solutions to management to ensure that BB Merchant Services & Customer Solutions always offer a competitive product
- Research and present recommendations to introduce improved products and / or customer offer(s)
PROCESSES & PROCEDURES
- Adhere to the laid down sales processes & procedures within the BB Merchant Services & Customer Solutions frameworks / parameters
- Complete new applications and ensure that process is finalised within the agreed service level turnaround times with a continuous follow-up on progress of outcomes, end-to-end
- Continually add value to the BB Merchant Services & Customer Solutions team, with on-going feedback and market related information & intelligence
- Understand and conform to the content of the organisations policies & procedures with specific reference to the vehicle, travel & mobile policies
TEAMWORK
- Maintain a positive attitude, drive and promote the sharing of knowledge & experience and remain open to constructive feedback and criticism of performance
- Interact closely with various members of the supporting and operational environments to ensure that requirements and expectations of customers are met at all times – be a team player
- Contribution to level of teamwork, accountability, delivery, quality & speed of information shared, contribution to efficiency & effectiveness of the environment
- Effort to build & maintain quality inter-personal relationships
- Respond openly to feedback and promote harmony and teamwork in the sales team
- Contribute to teamwork in department by managing stress in a manner that does not disrupt the team’s effectiveness
- Support and drive the business’s core values
- Take accountability for the achievement of operational objectives within own area of control
- Continuous development of the knowledge base and intellectual property
- Contribute to making the department a great place to work
CUSTOMER & RELATIONSHIP MANAGEMENT
- Improve key relationships and change the acquisition methodology with internal business partners / stakeholders
- Identify stakeholder requirements and expectations, in order to develop effective stakeholder / partner engagement plans
- Continuously relationship manage all merchants in the respective region and ensure that an effective and efficient relationship model remains in place, in order to retain merchants within the allocated portfolio
- Meet and attend to internal & external meetings if, when and where required
- Engage with the business partners / stakeholders with the direct aim of promoting the value proposition of BB Merchant Services & Customer Solutions
- Take & accept primary responsibility for merchant satisfaction through excellent service delivery, by ensuring that BB Merchant Services & Customer
- Solutions become the market leader in terms of service excellence in end-to-end delivery and turnaround
- Training of new customers and their staff on acquiring payment processing methods and merchant equipment in use
- Relationship manages the engagement with merchants and relevant internal & external stakeholders / partners in the relevant business units, by attending meetings with internal business partners (management meetings, customer meetings, events, etc.)
- Focus on the continuous growth of the organization’s customer base
- Build & maintain a healthy pipeline of clients
- Managing relationships with group companies and external customer base (group reach), specifically focusing on acquiring / merchant sales & strategic requirements
- Educate existing clients in collaboration with their assigned regional sales consultants about the specific acquiring / merchant products and services available, through the provision of professional & expert advice
TRAINING & DEVELOPMENT
- Take ownership for driving own career development and stay abreast of Industry changes within areas of expertise
- Preparation and signing-off of a Training / Skills development plan
- Achievement of objectives / milestones set-out in the development plan
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Primary Purpose
To execute the Fleet & Asset Finance sales opportunities within agreed – chosen segments in order to achieve the desired targets and build and maintain effective relationships.
Minimum Requirements
Qualifications
- Matric
- Tertiary qualifications, preferred BCOM and credit qualification
- Fleet Management preferred
- FAIS qualification preferred
- Credit Fundamentals preferred
- Presentation skill essential
- Business case skills essential
- Selling skills essential
Experience
- 3- 5 years experience in the fleet or banking industry
Competencies
- Business acumen
- Attention to detail
- Self-confidence
- Teamwork
- Adaptability
- Ability to build and maintain effective relationships
- Energy and Drive
- Independence
- Leadership
- Takes initiative
- Microsoft Outlook, word and Excel efficiency
Duties and Responsibilities
FINANCE
New Business Development
- Attain New Business targets in line with Fleet & Asset Finance chosen segment and the agreed customer value proposition.
- Achieve targets in line with ROE’s by driving and securing quality business price for risk
- Pro-actively identify and develop business potential.
- Gather and submit information about competitor activity and market development
- Maximize bank profitability through cross selling specifically focusing on value adds and acquisitions.
- Meet weekly & Monthly targets in terms of set number of prospecting phone calls and new business meetings.
- Actively manage 50 - 60 active prospects based on the 80/20 principal of Hot, Warm status.
OPERATIONAL EXCELLENCE
Service and Sales Management
- Services and sells to existing and potential customers through the use of effective service and sales management and the marketing of VAF products.
- Grows new customer base by networking, cold-calling and effective sales and services tactics.
- Cross-sells VAF’s insurance products as well as maximizes fees recovered on the portfolio to the extent that profits are maximized, and customer needs are met.
- Interacts with clients to obtain and analyse financial material e.g. AFS, Bank Statements, Debtors lists,
- Management accounts, cash flow budgets etc. in terms of agreed covenants.
- Assists with related queries, where possible, and facilitates when specialist advice is required.
- Ensures effective presentations and proposals to customers with the aim of growing the portfolio.
- Ensures successful retention of existing customers in the assigned portfolios by strengthening and expanding relationships. This is achieved by having a deep understanding of the customers’ business requirements and servicing their financial needs with regards to asset financing.
- Conducts ongoing and accurate territory and portfolio analysis to identify business potential and ensures that this forms the basis of service and call programs.
- Tracks and manages sales targets and budgets.
- Mines customers portfolio data to identify opportunities for additional facilities.
- Maintains ongoing knowledge of portfolio performance to ensure corrective actions can be taken early.
- Prepares and motivates Pre-Credit Forum and SA Credit Committee papers when applicable.
- Provides customers with feedback on reclassification of services requests outstanding documentation and telephonic resolution feedback according to customer relationship standards.
- Ensures that all leads are logged correctly and ensures cross selling opportunities are identified.
- Identifies and actions opportunities for cross and up sell.
- Identifies migration opportunities and sells products and services reactively.
Collaboration and Sales Management
- Sells to potential customers using effective sales management and the marketing of VAF products.
- Grows new customer base by networking, cold-calling and effective sales and services tactics.
- Cross-sells VAF’s products as well as maximizes fees recovered on the portfolio to the extent that profits are maximized, and customer needs are met.
- Interacts with clients to obtain and analyse financial material e.g. Debtors’ lists, management accounts, cash flow budgets in terms of agreed covenants.
- Assists with related queries, where possible, and facilitates when specialist advice is required.
- Ensures effective presentations and proposals to customers with the aim of growing the portfolio.
- Conducts ongoing an accurate territory and portfolio analysis to identify business potential and ensures this forms part of the targeted marketing strategy.
- Tracks and manages sales targets and budgets.
- Mines GRP, partner and dealer relationships for Fleet opportunities.
- Maintains ongoing Fleet and banking to ensure skills and expertise are developed.
- Prepares and motivates pre credit forum and credit committee papers.
- Provides customers with feedback and manages client expectations and experience.
- Ensures that all leads are logged correctly, minutes are captured accurately and shared with the client and ensures cross selling opportunities are identified.
Risk and Compliance
- Ensures compliance with all relevant legislation.
- Complete all compliance training within laid down timelines.
- Ensure accurate preparation and signing of facilities letters.
- Managed and facilitate all stakeholders in terms of response time and input on client contracts and approvals.
CUSTOMER CENTRICITY
Relationship and Stakeholder Management
- Develops and maintains close business relationships with internal and external customers and maintains a high standard and quality of business.
- Establishes and builds one on one relationships with customers in the assigned portfolios by delivering the expected level of service, specifically focusing on a proactive contact calling program.
- Ensure effective sales reporting to applicable stakeholders across the channels and segments.
- Ensures effective presentation of proposals to credit committees at all levels, as necessary, to ensure the business and other stakeholders understands and are able to make a decision on key requirements.
- Fulfils a training/coaching role by up skilling the consultants, VAF Sales support regarding business knowledge and process management.
- Establishes a sound working relationship with Credit, to ensure prompt turnaround times, accuracy and adherence to deadlines.
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Primary Purpose
Under general direction, independently perform complex audits with responsibility for planning, performance, documentation and elements of reporting. Position may provide functional advice or training to less experienced audit positions. Ensures that audits are conducted in accordance with professional and laid down standards. May supervise junior Internal Auditors. Manages audit relationships with line management in regard to audit performance and determination of remedial action. Ensures that audits are conducted in accordance with professional and laid down standards. Has a good working knowledge of IT Audits and has a keen interest in data analytics and willing to expand data analytics knowledge and skills.
Minimum Requirements
Qualifications
- Qualifications BCom (Honours) or equivalent
Experience
- 2 – 3 years related post qualifying experience
Competencies
- Attention to detail.
- Business acumen.
- Organisational alertness.
- Building Relationships.
- Teamwork.
- Initiative.
- Energy and Drive.
- Independence.
- Conscientiousness.
- Personal Development.
- Detailed knowledge and understanding of the Bank.
- Detailed knowledge and understanding banking and business environment.
- Reviewing audit working papers and files for quality and factual accuracy.
- Reviewing audit reports for technical correctness i.e. grammar etc.
- Strong computer literacy and an interest in using IT in audits.
- IT auditing experience.
- Business and system controls and process documentation.
- Strong affinity for Data Analytics and Data Analytics tools.
- Willingness to share knowledge and experience
Ideal
Qualifications
Experience
- 2 – 5 years related post qualifying experience.
Duties and Responsibilities
FINANCE
- Complete audit assignments within allocated time frames.
- Monitor and manage own time keeping (for each engagement and for the year) in line with board-approved budget.
- Monitor and manage direct report time (for each engagement and for the year) keeping in line with board-approved budget.
CUSTOMER CENTRICITY
Service Excellence
- Assist with managing and executing Audit Committee approved Internal Audit plan.
- Improve Internal Audit efficiency by (1) increasing the number of audits completed for the year; (2) reduce audit budgets per engagement; (3) reduce the timeline between performing the audit and issuing the audit report.
- Assist to implement and drive the new Internal Audit strategy to automate and centralise.
- Contribute ideas and improvements to existing audits and to roll out our new audit strategy to centralise and automate.
- Innovate current audit procedures with the use of technology and data analytics. Data analytics to be incorporated into every audit.
- Obtaining a detailed understanding and knowledge of the areas being audited as part of planning activities and drive it as part of our planning process that all team members adopt this approach.
- Deliver quality services (consultation and value-add audits) to stakeholders.
- Provide timely solutions/feedback through interpretation of the business requirements of stakeholders.
- Increase turnaround time (reaction time) to stakeholder requests and provide support and assistance to stakeholders by going the extra mile.
- Increase volume of work delivered and number of ad-hoc requests delivered on.
- Develop effective working relationships with all stakeholders. Enhance the effectiveness and credibility of Internal Audit by explaining Management's roles and responsibilities to prevent and detect fraud.
- Monitor progress of audits, coach staff members on a continuous basis.
- Execute Internal Audit methodology and ensure compliance of team members to the methodology.
- Be involved with the audit process throughout and monitor audit quality in planning, execution and reporting.
- Ensure all work is documented in quality audit files.
- Perform audit work and review working papers, report and files in a timely manner before reports are issued.
- Provide all stakeholders with regular feedback on the progress of assignments and audit findings.
- Provide all stakeholders with regular feedback on the progress of assignments and audit.
PEOPLE MANAGEMENT
- Support Managers, Senior Managers and Head of Internal Audit to manage the team.
- Actively lead the team members to deliver quality and on-time audits and audit reports.
- Actively contribute to teamwork within the department.
- Forge and maintain quality interpersonal relationships.
- Take accountability for the achievement of operational objectives within own area of control.
- Support and drive the core values of the organization and department.
- Maintain a positive attitude and drive.
- Respond openly to feedback.
- Promote harmony and teamwork.
- Promote the sharing of knowledge.
- Display willingness to help others and to be helped by others.
- Actively develop and coach team members.
OPERATIONAL EXCELLENCE
Risk Assessment
- Identify inherent risks that are relevant to the process under review and ensure that appropriate risks have been identified by team members that are relevant to the process under review.
- Perform adequate analytical risk assessment procedures to identify risks.
- Translate defined inherent risks into a documented format.
- Assess/evaluate defined risks in terms of potential impact and likelihood, for the purpose of designing an appropriate audit response (searching for appropriate key controls and developing appropriate control tests).
- Perform and/or review adequate analytical risk assessment procedures to identify risks.
Key Controls
- Ensure that the appropriate key controls have been identified to address the inherent risks for the processes under review.
- Conceptualise and/or assist to identify expected control activities that will address the identified inherent risks for the process under review.
- Identify and document key controls based on (i) the understanding of the process under review, and (ii) the risk assessment.
- Identify control gaps, i.e. where expected control activities or equivalents thereof cannot be matched to the actual controls that were identified and documented.
- Interpret key controls in terms their properties, i.e. objective, frequency, response, and automation.
Audit Files
- Open or ensure audit files are opened for each engagement in a timely manner.
- Plan or ensure that all audits are appropriately planned prior to kick off.
- Update or ensure that the audit files are updated by team members through-out the engagement.
- Document and review the audit working papers and file on a continuous basis
- Ensure that the audit file is reviewed before the audit report is prepared.
Audit Reports
- Prepare and/or review audit reports in a timely manner.
- Provide clear and factually correct observation statements including a detailed root-cause analysis that make business sense. All observations are supported by appropriate (valid and sufficient) audit evidence.
- All observations are supported by appropriate (valid and sufficient) audit evidence.
- Appropriate assessment of the exposure/risk as a result of the errors/break-downs reported upon under the observation statement.
LEARNING AND GROWTH
Training
- Attend training to maintain CPD for qualification.
- Actively coach, train and empower team members to create an understanding of skills and specialties.
- Promote training and development of yourself by attending personal development and job skills development training.
- Promote training and development of team members by motivating and assisting team members to attending personal development and job skills development training.
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Primary Purpose
This role is responsible for FCU strategy implementation of the Financial Crime Unit Framework. The incumbent ensures the FCU provision is strategically aligned with the Bank needs and regulatory requirements and mitigates bank's exposure to fraudulent activity maintaining a safe and secure environment. This role is further responsible for holistically managing the teams within the Financial Crime Unit.
Minimum Requirements
Qualifications
- Bachelor’s Degree in Fraud Examination, Financial Forensics, Fraud Investigation, Law, Criminology, or other similar qualification.
- Certified Fraud Examiner (CFE)
- Extensive training in Criminal Justice, Forensic investigations, and Prevention.
Experience
- 5-7 years extensive experience in combatting bank related crimes and applying risk mitigation strategies.
- 5 years’ experience in Financial Services Industry
- Minimum 3 years’ experience in a management role
- Experience in advising on financial crime matters in an organisation with a diverse range of business activities.
- Experience in developing and implementing Compliance planning, monitoring, and reporting relating to financial crime.
Competencies
- Good knowledge of regulations relating to Financial Crime Compliance, including without limitation Financial Intelligence Centre Act, FAIS Act, Prevention of Organised Crime Act (POCA), Prevention and Combating of Corrupt Activities Act, Public Finance Management Act (PFMA), and Treasury regulation.
- Strong knowledge of key regulatory issues and control assessment processes.
- Highly numerate, with the ability to assimilate information quickly and accurately to inform decisions around key functions.
- Ability to analyse trends and customer needs across financial crime
Duties and Responsibilities include but not limited to:
FINANCIAL MANAGEMENT
- Identify and implement revenue or cost saving opportunities and ensure adherence to budget.
CUSTOMER CENTRICITY
- Support Head: FCU and drive strategy execution.
OPERTIONAL EXCELLENCE
- Ensure all Financial Crime Operations are conducted in line with Bank guidelines.
PEOPLE LEADERSHIP
- Provide management responsibility to team Digital journeys Continuous improvement
COMPLIANCE AND MONITORING
- Ensure Potential Fraud Risk are mitigated and controlled.
STAKEHOLDER MANAGEMENT
- Provide advisory services through partnership with all relevant stakeholders (internal and external)
REPORTING
- Perform different analytics to assist with business impact.
LEARNING AND GROWTH
- Drive a continuous learning culture which focuses on innovation and value adding solutions in line with best practice.
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Primary Purpose
- We have an exciting opportunity for a Business Banker to join our KZN Region.
Minimum Requirements
Qualifications
- Grade 12
- Degree
- Certificate in Banking (ideal)
- BCom (ideal)
- Relevant RE qualifications
Experience
- At least three years of sales experience in a financial services
industry
- Proficiency in IT
Competencies
- Business Acumen
- Knowledge of banking products
- Ability to analyse and understand financial statements
- Professional communication skills.
- Excellent selling skills
- Self motivated
- Positive attitude and resilient
Duties and Responsibilities
FINANCE
Monthly Sales Revenue Target
- To proactively cold call and find new clients for Bidvest to meet the monthly revenue
target
- To educate and promoting Bidvest’s full product offering to clients to maximize the revenue that can be generated
- Manage the profit margins through providing clients with comparative information on
rates and obtaining the best rates for specific banking products
- Actively grow the client base by agreed target of new acquisitions a month in order to
achieve the sales target
CUSTOMER CENTRICITY
Customer Service
- Cold calling, networking and proactively approaching prospective clients to sell Bidvest’s
value proposition
- Correctly anticipating and interpreting the customers’ business requirements in order to
get them to bank with Bidvest Bank, sell right product to right customer and ability to
close deals
- Providing relevant timeous solutions to the client through researching the client’s
business in relation to the current economic climate and educating the client on Bidvest’s
products
- Providing excellent service that will result in customer referrals and new business
- Taking on the role as the primary point of contact for the client, ensuring excellent service
levels and quality to customers to ensure the retention of the client and a long term
working relationship
- Continuous face to face and telephonic interaction with clients in order to pre-empt and
proactively address their needs
- Responding speedily and correctly to stakeholder and customer queries.
- Assist the client with innovative ways to gain maximum benefit from the products e.g.
offering right product at right time
- Pro-actively manage the review process of clients’ facilities, checking, submitting and
motivating the business case for approval to credit and legal departments to achieve
renewal in the necessary time period. (Providing all necessary documents)
- Train and assist the client on the necessary systems / processes to deal with the Bank in
the most efficient way, customer education
- Continual awareness of what is going on in the market and economy to provide relevant
advise to the client at all times
- On-boarding – signing up customer for first time, following the correct processes in terms
of compliance, credit application and obtaining the facility with the relevant internal
departments
Admin Support
- Provide relevant reports in order to track progress
- Review the client files and keep up to date with changes of directors, board members and
authorized signatories
- Update and manage all client interaction on the CRM system
Process Management
- Successful relationship building with legal, credit, Internal bankers, back office and Treasury in
order to achieve clients’ needs
- Signing off files and work with legal and credit to ensure that all necessary documents are in
place and delivered to clients
- Deal with the Financial Surveillance Department to assist and prepare the client to approach
the Reserve Bank if necessary
- Follow up with all parties to ensure that queries are resolved
Training
- Keeping abreast of Compliance (FICA) requirements
- Knowledge of Banking products and channels
- FAIS compliance
- Anti Money laundering training
- Understand the sales cycle
Method of Application
Use the link(s) below to apply on company website.
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