Fresh Jobs at Capitec Bank

About the role

• You will investigate various fraud-related risks within Capitec.
• This includes external fraud, such as credit application fraud for Capitec Bank and policyholder or claims fraud for Capitec Insurance, as well as internal fraud, serious policy and procedure breaches, and criminal syndicates. You will examine each case thoroughly, identify involved parties, and gather evidence suitable for disciplinary hearings and/or criminal proceedings. Additionally, you will pinpoint control weaknesses and recommend preventative measures, improvements, and training initiatives to mitigate potential fraud.
• Your responsibilities will also include planning and conducting detailed investigations, recovering losses, and providing evidence for disciplinary and criminal proceedings.
• You will produce detailed internal and external reports, liaise with law enforcement, and maintain financial crime databases.
• Additionally, you will support real-time fraud-related inquiries, testify in court and disciplinary hearings, and conduct fraud awareness training. 

Key Performance Areas:

• Investigating fraudulent activities. 
• Implementing fraud/theft preventative measures. 
• Identification, monitoring and proactive investigation of criminal syndicate activities. 
• External and Internal written and verbal reporting and stakeholder management, including to law enforcement bodies, regulatory bodies and industry bodies, as well as to line management and senior management. Enquiries and ad hoc responsibilities. 

Our ideal candidate has:

• 3 + years’ experience as a Forensic Investigator/Audit  
• A relevant tertiary qualification in Law, Finance or Forensics  
• Proven experience as a Forensic Investigator/Auditor in the financial Services Sector  
• Knowledge of fraud in the banking and/or insurance industry 

Experience

Minimum:

• 3 plus years’ experience as a Forensic Investigator/Auditor 

Ideal: 

• Proven experience as a Forensic Investigator/Auditor in the Financial Services Sector

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• A relevant qualification in Law or Finance

Knowledge

Minimum:

• Investigation methods and procedures  
• Criminal law and law of evidence of the judicial process

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Main Purpose

• Join our dynamic, innovative team and enjoy a competitive salary, comprehensive benefits, and endless opportunities for career growth in an inclusive, diverse environment. Apply now to shape your professional future with us!
• We are seeking a highly skilled and detail-oriented AML Transaction Monitoring Rules Specialist to join our AML team. The ideal candidate will have proven experience in optimising automated transaction monitoring systems using relevant data and analytical tools, while having a firm understanding of financial crime regulatory environment.
• This role is critical in ensuring Capitec discharge its transaction monitoring obligations by effectively assessing risks, implement new rules, and optimising existing transaction monitoring rules according to the bank’s risk appetite. While ensuring that the transaction monitoring controls are continuously updated to detect novel financial crime risks in both Personal and Business Bank divisions.

As an Anti-Money Laundering Monitoring Specialist your primary responsibilities will include:

• Rule Assessment and Implementation
• Rule Optimization and Maintenance
• Data Analytics and Reporting
• Collaboration and Training

The ideal candidate will have:

• Bachelor’s degree in Finance, Business, Data Science, or a related field.
• Proven experience in AML transaction monitoring, preferably within a financial institution.
• Strong knowledge of automated transaction monitoring systems and data analytics tools.
• Excellent analytical and critical thinking skills.
• Familiarity with AML regulations, guidelines and best practices (e.g., FICA, FATF)
• Experience with specific transaction monitoring software (e.g., Actimize, SAS AML).
• Advanced proficiency in data analytics tools (e.g., SQL, Python, R).
• Certification in AML (e.g., CAMS, CFE).

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Purpose Statement

• To deliver the AI strategy to ensure Capitec can compete in a changing landscape where data science is a key future-oriented strategic differentiator.
• To design and implement predictive models or intelligent algorithms to better understand the drivers of business performance and enable improved management decision-making. 

Education (Minimum)

• Honours Degree in Data Science

Education (Ideal or Preferred)

• Masters Degree in Data Science or Statistics

Knowledge and Experience

Experience

Minimum:
NB. Length of experience required is conditional on the qualifications obtained 

• Master’s degree or equivalent in a quantitative discipline or STEM field e.g., Mathematics, Statistics, Engineering, Computer Science with focus on Machine Learning plus 3yrs relevant years’ experience.
  Or 
  Honours Degree or equivalent and relevant technical qualifications, plus 5yrs relevant experience.
• Experience in data science, machine learning and deployment of developed solutions
• Business analysis and requirements gathering
• Reproducible coding experience 
• Working with relational and non-relational databases
• Experience in at least one ML language
• Working in cloud environments 

Ideal:

• Working with multiple teams to deliver predictive models into a production environment

Knowledge

Minimum:

• Deep understanding of one or more state of the art principles and techniques in at least one discipline of data science, e.g., NLP, Deep Learning etc. and can teach to others 
• Underlying theory and application of machine learning models; able to understand underlying principles and theory and be able to teach others. 
• Best practices for data science such as reusability, reproducibility, continuous monitoring, etc 

Ideal:

• Familiarity with modern deep learning frameworks (Tensorflow, PyTorch, MXNet, etc) 
• Ethical AI design principle
• Capitec Data Science lifecycle 
• Capitec Data Product Life Cycle

Skills

• Analytical Skills
• Attention to Detail
• Communications Skills
• Problem solving skills
• Planning, organising and coordination skills
• Decision making skills
• Interpersonal & Relationship management Skills

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About the role 

• To execute daily operational activities within the Business Bank AML Operations environment, including enhanced due diligence, investigation of suspicious transactions, name and payment screening, reporting, and quality assurance, thereby implementing and administrating legal and statutory requirements for the Financial Intelligence Centre Act 38 of 2001 (“FICA”), Protection of Constitutional Democracy Against Terrorist and Related Activities Act 33 of 2004 (“POCDATARA”), Prevention of Organised Crime Act 121 of 1998 and all related legislation, within Capitec Bank

Experience

Our Ideal candidate

• At least 2-3 year’s investigative experience within a business banking environment within an AML environment
• Experience with collating and analysing information and making decisions based on the information.
• Interpretation and application of regulatory requirements.
• FICA exposure within a business banking environment
• Experience in a financial or legal institution or investigative environment 

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Risk and Compliance

Knowledge

Minimum:

• Legislation regarding money laundering control, proliferation finance and combating of terrorist financing
• Understanding of money laundering means and mechanisms on a global scale
• Understanding of sanctions 
• Client due diligence and AML environment.
• Understanding the Risk Management and Compliance Programme and the purpose it serves in AML
• Business acumen
• Know Your Customer (KYC), risk based approach
• Investigation methodology and techniques
• Use of excel and word
• Report writing and evidence gathering
• Business entity structures and related AML requirements

Ideal:

• Client due diligence and investigations on juristic and non-juristic clients.
• Knowledge of commercial banking products, services and channels.
• Knowledge of Trade-based money laundering

Skills

• Analytical Skills
• Attention to Detail
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Planning, organising and coordination skills
• Reporting Skills

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Purpose Statement

• To contribute to the design and development of new applications / systems to meet the business requirements of the product line environment. 
• To analyse business or system requirements and data to enhance understanding of the product line environment.
• To participate in and provide input to the Architect during the compilation of solution design documentation for new and existing products and systems.

Education (Minimum)

• A relevant tertiary qualification in Information Technology or Data Analysis

Education (Ideal or Preferred)

• A relevant degree in Data Engineering
• Certification in Data Warehousing

Knowledge and Experience

Experience:

Minimum:

• At least 4 years’ proven experience within management information systems (MIS) | data warehousing |  data transformation/ systems analysis together with a relevant 3 year tertiary qualification 

OR

• At least 4-6 years’ proven experience within management information systems / system analysis
• Proven experience in:
• A relational data warehouse e.g. SQL server, Oracle etc., and tools that enable ETL and orchestration. 
• Testing methodologies

Ideal:

Proven experience in:

• Cloud Environment 
• Experience working in an AWS environment as well as with AWS Technologies
• Data Analysis
• Orchestration technologies

Knowledge:

Minimum:

• IT systems development processes (SDLC)
• ETL processes
• Rational database system and cloud data warehousing 
• Dimensional modelling
• Standards and governance
• Testing practices 
• SQL

Ideal:

• Data architecture (technical design and implementation processes)
• DPLC
• Banking systems environment
• Banking business model
• Best practices for Quality Assurance (QA) 

Skills

• Analytical Skills
• Communications Skills
• Interpersonal & Relationship management Skills
• Problem solving skills

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Purpose Statement

• To build, maintain and optimise effective client relationships by providing excellent client service through engagement and consultation with existing clients. 
• To contribute to the overall profitability of Business Bank by promoting and selling Business Bank and merchant products to new and existing clients.

Experience

• At least 2-3 yrs. proven experience in a CRM environment with responsibility for, or exposure to cross and upselling.
• Proven experience in identifying sales or business opportunities and/or customer needs and providing solutions for these.  
• Experience in a FMCG, banking or retail environment

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Commerce or Marketing

Knowledge

Minimum:

• Commercial, economic, SME landscape
• Sales and sales optimisation techniques & principles
• Commercial/business know how (how businesses work.)
• Client relationship management principles
• Engagement/conflict management practices
• Performance culture

Ideal:

Knowledge and understanding of:

• Business banking landscape, product knowledge
• Payment solutions environment (merchant services)
• POS Solutions
• Capitec Bank Acquiring product knowledge

Skills

• Influencing Skills
• Planning, organising and coordination skills
• Commercial Thinking Skills
• Communications Skills
• Interpersonal & Relationship management Skills

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Purpose Statement

• To welcome clients and coordinate the branch flow through efficient queue functioning, providing excellent client service and assisting clients at the ATM and to complete transactions on any remote or self-service channels. In doing so, gain the knowledge, skills and experience required for service consulting. 

Experience

Minimum:

• No experience required but individual needs to hold a Grade 12 National Certificate

Ideal:

• Some client service experience within a retail/ financial/ banking environment

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

Knowledge

Minimum:

• Basic calculations 
• How to engage with people
• Clarity and understanding of own aspirations, being ambitious and keen to learn.

Ideal:

• Knowledge of bank branch environments
• Knowledge of Capitec Bank products and business processes (internal)

Skills

• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Interpersonal & Relationship management Skills

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Purpose Statement

• To support the vision and strategy and enhance the capability of the organisation through the development and implementation of business process architecture solutions and requirements.

Primary Focus:

• To provide business process architecture and requirements for Capitec business units;
• To support new revenue growth initiatives; and
• To drive continuous improvement post-implementation of projects through business unit operationalisation, in order to track achievement of business benefits to deliver on strategic/business objectives.

Secondary Focus:

• To translate business needs emanating from projects, new ideas or system changes into business requirements for developing/buying IT systems; and 
• To develop change management plans, project plans, and designing of policies/procedures/performance measures.

Qualifications (Minimum)

• A relevant tertiary qualification in Engineering - General
• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• A relevant post-graduate qualification in Engineering - Industrial or Engineering - General

Experience

Minimum:

• 5-10 years' complex analytical Business Design, Development, Improvement initiatives and/or Product Design
• Familiarity with Lean / Six Sigma methodologies / Theory of Constraints (TOC) or Agile way of working

Ideal:

• Translating corporate strategies and objectives into initiatives and/or projects
• Initiation and implementation of: projects with the goal to improve performance through business process improvements; revenue growth initiatives; and continuous improvement capability
• Re-engineering (transforming and evolving) processes within an operations environment
• Analysing/understanding emerging technologies and trends, to inform innovation and strategic business planning (defining high-level business requirements)
• Developing robust business cases for new initiatives, quantifying their benefits, and presenting these to senior management
• Overseeing implementation of the approved business case; i.e., process execution involving stakeholder collaboration/Business Analysts to ensure that anticipated benefits are realised, and for continuous improvement
• Salesforce

Knowledge

Minimum:

• Developing a business case
• Business Change Life Cycle and Change Management principles 
• System Development Life Cycle
• Project Management Lifecycle and methodologies
• Quality Management 
• Risk and Issue Management 
• Client experience / client journey mapping
• Process frameworks (Strategy, Planning, HR, Finance, Marketing, Sales, Assets, Procurement, Production, and Legal frameworks)
• Process Simulation Modelling
• Financial Modelling
• Management Operating System best practices
• Supply Chain methodologies
• Incident Management and workflow methodologies
• Commercial model development
• Operating model development
• Business architecture development
• Product development framework
• Transformational management principles
• Other: Willingness to travel (local) to client if required

Ideal:

• Lean / Six Sigma methodologies and related disciplines
• Agile way of working practices
• BABOK, SOA, TOGAF, and ARCHIMATE
• Financial/Banking transactional processes
• Technological acumen
• Salesforce

Skills

• Communications Skills
• Strategic Thinking Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Interpersonal & Relationship management Skills
• Presentation Skills
• Facilitation Skills
• Business Process Modelling skills (IDEF-0, Financial Modelling, Enterprise Architect, BPMN, etc.)
• Planning, organising and coordination skills
• Commercial Thinking Skills
• Analytical Skills
• Problem solving skills

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About the role

• As a Marketing Manager at Capitec Bank, you will be the driving force behind our integrated marketing plan and program. You will play a key role in understanding our market landscape and clients' needs, acting as a strategic marketing partner to business stakeholders and Business Unit Executives.
• In this role, you will assess business challenges, propose effective marketing solutions, and guide the development of comprehensive marketing plans across various business units. Your primary goal will be to meet business objectives by acquiring and optimizing quality clients through innovative and impactful marketing strategies.
• You will be responsible for crafting and executing integrated marketing strategies that ensure the right message reaches the right client at the right time and through the right channels, supporting our products and services while enhancing Capitec’s market presence.

Our ideal candidate has:

• 10+ years marketing experience in a large, complex and client focussed organisation
• 5+ years in middle to senior management
• Managing a team for at least 5 years

Experience

Minimum:

• 5+ years marketing experience in a large, complex and client focussed organisation
• Managing a team 

Ideal:

• Experience gained preferably in an FMCG, retail banking or services industry.
• Cross functional project coordination / management

Qualifications (Minimum)

• Bachelor’s degree in Marketing or Business management (Ideal would be a post graduate degree or diploma)
• Any other business or marketing related major would be applicable.
• Qualifications in Performance marketing would be a plus

Knowledge:

Min:

• Principles of brand marketing
• Data analysis, client profiling and segmentation
• Digital marketing and e-commerce
• Strategic marketing management
• Campaign management
• General business/commerce know how
• People management principles and practices
• Internal and external communication methods and practices
• Stakeholder management principles and practices

Ideal:

Knowledge of:

• Management tools (i.e. Hootsuite, Conversocial etc).
• The financial landscape
• Media/PR communications industry
• Difference between communication and marketing in messaging
• Capitec Bank Operations and Head Office departments
• Capitec Bank brand, its positioning and personality

Skills

• Communications Skills
• Business writing skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Interpersonal & Relationship management Skills
• Analytical Skills
• Strategic Thinking Skills
• Networking
• Negotiation skills
• Commercial Thinking Skills
• Attention to Detail