Job Vacancies at Bidvest Bank

PRIMARY PURPOSE

• To generate revenue for Bidvest by sourcing new clients and proactively managing the account to maximize profitability.
• To grow and retain a portfolio of high value banking relationships by performing proactive value adding partnership, by providing
• banking solutions and services to maintain and grow existing customer base. To develop and maintain a portfolio of important
• revenue generating client relationships within the defined affluent market segment.

KEY PERFORMANCE AREAS (KPA’s)

FINANCE

SALES

• 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
• Track, control and influence sales activities with the specific aim to increase sales efficiencies of the team.
• Actively grow the client base by agreed target of new acquisitions a month in order to achieve the sales target

Portfolio Management

• Monitor, track and report on sales activity on a periodic basis and to ensure action is taken to meet sales targets.
• Identify opportunities for cross selling and referrals to other product lines through developing a good understanding of client needs
• New revenue opportunities are identified and customer feedback on product

Risk Management

• Comply with governance in terms of legislative and audit requirements
• Understands clients risk profile and balance for individual clients by optimising product mix

CLIENT

• Client Service
• Correctly anticipating and interpreting the clients’ business requirements in order to get them to bank with Bidvest Bank, sell right product to right client 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 client referrals and new business
• Taking on the role as the primary point of contact for the client, ensuring excellent service levels and quality to clients 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
• 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, client education
• Continual awareness of what is going on in the market and economy to provide relevant advice to the client at all times
• On-boarding – signing up client for first time, following the correct processes in terms of compliance, credit application and obtaining the facility with the relevant internal department

Admin Support

• Provide relevant reports in order to track progress
• Review the client files and ensure client information updated
• Update and manage all client interaction on the CRM system

INTERNAL PROCESSES

Process Management

• Successful relationship building with legal, credit, Internal bankers, back office and Treasury in order to achieve clients’ needs
• Work with legal and credit to ensure that all necessary documents are in place and delivered to clients
• Assist with SARB applications
• Follow up with all parties to ensure that queries are resolved
• Training
• Manage own development to increase own competencies
• Ensure all ‘other’ product training is completed, to equip for cross-selling opportunities
• Ensure all Bidevst Bank mandatory training i.e. Anti-Money Laundry is completed
• Training and keep abreast with FICA, PoPI compliance and legislation
• Meet training deadlines as outlined in PDP
• Keeping abreast of Compliance (FICA) requirements
• Knowledge of Banking products and channels
• FAIS compliance
• Understand the sales cycle

REQUIREMENTS

Qualifications

Minimum

• Matric
• National Diploma – Finance/Certificate in Banking
• BCom – Banking, Finance, Commercial
• RE5 – completed within allocated time

Experience

• Previous sales experience, with exposure to financial services
• At least three years + of sales experience in a business banking and/or financial services industry Account management

Knowledge, Skills and Abilities Required

Knowledge

• Sound understanding of banking sales
• Customer relationship Management
• Good knowledge of sales principles

Technical Competencies

• Negotiating skills
• Presentation skills
• Good Communication Skills
• Networking ability
• Ability to sell
• Personal Competencies
• Own vehicle and valid driver’s license
• Business Acumen
• Attention to detail
• Time management (planning skills)
• Teamwork
• Self-motivated
• Resilient

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PRIMARY PURPOSE

• To fully analyse and process Merchant Services applications for PBB.
• To manage assigned portfolio on a day-to-day basis, ensuring minimal bad debts / merchant defaults, and applying sound risk mitigation principles in compliance with Merchant Policies and Procedures and Card Schemes requirements.
• To provide administrative support to Product leadership.

TECHNICAL COMPETENCY REQUIREMENT

• Merchant Solutions
• Knowledge and understanding of Merchant Onboarding process.
• Experiential knowledge and understanding of Merchant Onboarding systems.
• Ability to obtain, analyse and act on the following key merchant onboarding information:
• Risk Matrix
• World checks
• Department of Home Affairs checks.
• MATCH checks
• Credit Bureau checks
• Merchant Category checks
• Ability to present written motivations to Product Managers where new and or additional applications are processed through an assisted path.
• Ability to engage with front line staff including bankers and merchant consultants to ensure smooth onboarding of clients.

General administrative

• Strong relationship building and teamwork skills.
• Analytical, confident, and competent self-starter with excellent organizational skills
• Deadline driven with a high attention to detail.
• Good written and verbal communication skills.
• General understanding of products at Bidvest Bank

REQUIRED MINIMUM EDUCATION AND TRAINING

• Matric with Banking / Risk related certificate.
• Banking Experience.

REQUIRED MINIMUM WORK EXPERIENCE

• 5 years’ work experience, of which 3 years was in Merchant Solutions and 1-2 years and general banking experience

KEY PERFORMANCE AREA (KPA)

FINANCIAL MANAGEMENT

• Vetting new merchants, ensuring smooth onboarding to enable merchants to activate and start trading early. This will ensure that we generate revenues from new accounts much quicker.

Analyse products.

• Support Managers and Product owners to achieve financial budget.

CUSTOMER CENTRICITY

• Demonstrate understanding of Business Banking customer and how products fit into the ecosystem.

OPERTIONAL EXCELLENCE

• Support internal stakeholders and sphere of influence to enable speedy and smooth onboarding of customers.
• Support internal stakeholders and sphere of influence to enable development and deployment of competitive products to the market

DATA MANAGEMENT

• Use Bank MIS capabilities and reports such as the Trigger report to derive business insights that will enable you to perform your work.

STAKEHOLDER MANAGEMENT

• Ensure Card Scheme compliance.
• Ensure PASA industry compliance.
• Promote close relationship within Product team and stakeholders

PRODUCT ANALYSIS

• Support Product team in the development of compelling CVP.
• Support Product team in Introduction of product enhancements to remain competitive.

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TECHNICAL COMPETENCY REQUIREMENT

• 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

REQUIRED MINIMUM EDUCATION AND TRAINING

• 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.

REQUIRED MINIMUM WORK 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.
• PERFORMANCE AREA (KPA)

FINANCIAL MANAGEMENT

• Monitor spend to adhere to allocated budgets within area of responsibility.
• Control and manage costs and expenditure in line with departmental and Bank budget expectations.

CUSTOMER CENTRICITY

• Identify and suggest improvements to financial crime policies, procedures, and frameworks and ensure adherence to regulatory requirements.
• Implement Fraud Operations, Fraud Prevention and Financial Crime Investigations remedial plans.
• Interpret and execute Financial Crime Unit strategy for the Bank.
• Provide input into the development of innovative solutions to address complex financial crime risks and issues and help our clients meet global regulatory expectations.
• Lead and work as part of a team to create valuable and practical insights for our clients, adapting methods and practices to fit their business needs.
• Limit potential losses to the Bank and ensuring that all processes have a rigorous control in place, can be monitored accordingly and are adhered to.
• Report, document and monitor all identified matters to all relevant internal and external bodies in line with regulatory and legislative reporting requirements.
• Identify, analyse, investigate, report and trend the risks faced by the team, the Bank to ensure that the necessary controls are in place to measure, monitor and control these risks
• Coordinate the implementation of changes to any deficiencies identified within the processes and procedures.

OPERTIONAL EXCELLENCE

• Assist Head: FCU to perform Financial Crime investigations of high/sensitive nature, including lifestyle audits and vetting.
• Appropriately plan and scope the investigations to ensure adequate investigatory focus.
• Ensure investigations are executed in a compliant manner ensuring adherence to the requirements of the applicable laws and regulations.
• Present evidence in Disciplinary enquiries, civil court and/or criminal court based on factual findings reports from investigations.
• Perform pre and post fraud control reviews to identify the failings in the control environment which led to/facilitated the financial crime or misconduct.
• Assist Head: FCU to perform compliance reviews in Divisions to ascertain whether the Divisions comply with the Bank’s standards.
• Drive Fraud awareness and fraud prevention/detection training.
• Give recommendations to optimise any system and capabilities used when identified.
• Delegate appropriate customer service duties within the team as required to ensure a more effective and efficient flow of operation.
• To constantly analyse and interpret deliverables to assess and improve individual performance and service quality.

PEOPLE LEADERSHIP

• Inspire, motivate, and support team so that they are effective and delivering high quality work and meeting organisational and individual objectives.
• Manage planning of resource requirements, ensuring sufficient capable resources are in place to meet service delivery demands, maintaining the effective and efficient capability of the team.
• Build a high performing team where the best people are deployed in the right roles and deliver against strategy.
• Ensure that all employees are motivated and continuously developed.
• Inspire and engage employees around the vision and strategy of the Bank, maximising employee engagement and willingness to invest discretionary effort.
• Take responsibility for engagement planning, management, and leading teams in a variety of financial crime engagements.

DIGITAL JOURNEYS

• Identify, assess, and implement opportunities to optimise the fraud process through digitisation and automation.
• Effective tracking and measuring of all digital and automation implementations to ensure ROI
• Effective change management for all newly implemented digital / automation solutions.

COMPLIANCE AND MONITORING

• Ensure horizon scanning on evolving financial crime risks including remaining up to date on global regulatory compliance, emerging trends and opportunities and legislative matters.
• Define and analyse data trends, key metrics, and financial risk patterns, to continually improve fraud prevention, customer experience and the efficiency and effectiveness of the Bank’s processes.
• Work with colleagues across the business to identify, assess and manage financial crime risk.
• Partner with Internal Audit to ensure appropriate third line oversight of financial crime risk.
• Ensure all statutory and business Reporting are done within predetermined deadlines, monthly, quarterly and annually in line with all relevant regulations and bank’s internal policies and procedures.
• Provide and track recommendations for actions to reduce the identified risks during the review and/or investigation.

STAKEHOLDER MANAGEMENT

• Liaise with regulators, external advisors, and relevant stakeholders.
• Pro-actively develop and maintain a wide range of external contacts to obtain/exchange information, identify environmental change which may impact the Bank.
• Work collaboratively with management to implement prevention and investigative strategies.
• Work collaboratively across function teams within Fraud Operations, Fraud Prevention and Financial Crime to ensure effective and efficient operations.
• Fostering and maintaining good relationships with law enforcement parties, including NPA, SAPS, AFU

REPORTING

• Produce regular management information and data for reporting on Financial Crime risks to Head: FCU.
• Ensure consistent and timeous feedback on cases that have been escalated.
• Gather, Collate, Analyse data, Evaluate and Disseminate information to be actioned to aid in the reduction, identifying and addressing current threats, trends, subjects and activities of financial crime.
• Generate or review accurate investigative reports to provide feedback where necessary on matters in order to ensure key stakeholders have the correct information to make critical decisions.
• Report any data inaccuracies and anomalies to the relevant persons / bodies / entities.
• Analyse trends observed, identify discrepancies in reports and provide recommended solutions.
• Analysing industry data and report on trends that effect the Bank

LEARNING AND GROWTH

• Work with relevant stakeholders to design and implement appropriate financial crime education, learning and communication for employees.
• Take ownership for driving own career development.
• Achievement of objectives/milestones set out in the development plan.
• Preparation and signing off, of the development plan.
• Development of knowledge base and intellectually property.

WORK CONDITIONS

• Office bound

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TECHNICAL COMPETENCY REQUIREMENT

• Good technical knowledge of vehicles
• Negotiation Skills
• Third party/supplier management
• Control and manage flow of work
• Analytical – pay meticulous attention to detail
• Discipline – meet deadlines
• Resilient – manage pressure, adaptive to a changing environment
• Incumbent to exercise judgement within defined parameters
• Computer literacy skills
• Good knowledge of FML service, legislation, policies and procedures
• Ability to manage pressure on a day-to-day basis
• Excellent communication skills (both verbal and written)

REQUIRED MINIMUM EDUCATION AND TRAINING

• Matric
• Diploma in Fleet Management/Road Transport Management (Preferred), or
• Tertiary qualification in Fleet/Mechanical (Diesel, Petrol, Auto Electrical)

REQUIRED MINIMUM WORK EXPERIENCE

• 3 – 5 years experience within the Fleet industry, preferably within Leasing Environment
• Proven technical experience

KEY PERFORMANCE AREA (KPA)

• Customer Centricity
• Liaise with customers regarding queries, concerns or issues of a technical nature (if required)
• Follow-up and collaborate with other functions and suppliers to improve customer satisfaction in the region.
• Operational Excellence
• Technical service delivery to contract requirements
• Be familiar with the respective customer contractual obligations and liaise between region, MMU, suppliers and customers to drive outcomes.
• Inspect new vehicles to ensure adherence to vehicle specifications prior to delivery to customers.
• Manage the maintenance contracts ensuring that vehicles are maintained and inspected as per contractual obligations. Manage service due and COF reports.
• Manage Fleet availability and serviceability, liaising with suppliers to support the regional operations team in scheduling and executing unscheduled maintenance and accident repairs as per contract requirements.
• Follow-up on accident repairs ensuring quality and service levels is met.
• Manage the termination (end of contract) process and compile an End of Contract report (including physical condition of vehicle, estimated repair costs, technical report, etc.)
• Participate in resolving incidents, co-ordinating actions and monitoring the end to end resolution to ensure contractual conditions are met. All incidents to be managed according to SLA timelines.
• Ensure all client and supplier queries with regards to repairs and maintenance of the fleet are attended promptly.
• Supplier service delivery management
• Engage suppliers within the region to identify suitable service providers.
• Manage 3rd party maintenance contracts in alignment with customer contractual obligations.
• Review supplier quotations and negotiate lower labour rates and parts pricing for scheduled and unscheduled maintenance and/or repairs with preferred suppliers.
• Set quality expectations for timeframes, workmanship and output delivered by suppliers, ensuring the best possible outcome for the customer.
• Effectively manage, co-ordinate and follow up on unscheduled maintenance and accident repairs on vehicles, monitoring the quality of supplier service delivery.
• Undertake vehicle inspections at service providers to monitor work being done, delivery timelines and ensure minimum downtime of vehicles.
• Information & Record Keeping
• Ensure completeness of documentation including inspection sign-off documents (Bidvest and Customer), body builder documents, certificates, etc.
• Keep complete and accurate records adhering to the relevant electronic or manual processes and filing standards.
• Governance, Risk & Compliance
• Quality Management & Audits
• Inspect vehicles after being repaired at panel beaters for quality workmanship.
• Complete fleet audits on corporate and parastatal customers as and when required.
• Manage and resolve quality control issues during vehicle maintenance or accident repairs overseeing supplier service delivery, ensuring quality standards are met.
• Compliance, Risk & Control
• Manage 3rd party maintenance contracts by reviewing invoices for correctness (body repairs and mechanical repairs).
• Verify repair quotes to ensure validity (if work is required), accuracy and fair cost meeting quality standards.
• Scrutinise supplier invoices and ensure that work was performed by performing physical checks on the vehicles.
• Supplier selection in line with Retail Motor Industry (RMI) guidelines
• Comply with health and safety regulations, processes and procedures.
• Perform physical inspections to verify information e.g. stock counts at service providers, accident damage etc.
• Follow up on outstanding re-bills to ensure purchase orders are received timeously.
• Stakeholder Management
• Collaboration & Supplier Management
• Technical liaison between the region and the Managed Maintenance Unit (MMU) including suppliers and customers.
• Assist with all interdepartmental challenges to facilitate a well maintained fleet to contract requirements and customer satisfaction. Co-ordinate with vendors and service providers to provide the relevant services e.g. panel beaters.
• Establish and maintain relationships suppliers, meeting regularly and setting standard and quality expectations and compliance with service delivery standards.
• Data Analysis & Reporting
• Responsible to collate hours for all Material Handling Equipment (MHE) units.
• Prepare operational reports timeously as per requirements, e.g. end of contract, sale and lease back reports.
• Compile Daily, Weekly & Monthly Technical reports on vehicle breakdowns/inspections/evaluations, etc.