Jobs at Bidvest Bank

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

• Insights and Analytics Manager is responsible for leading the development and delivery of data-driven insights to proactively detect, investigate, and prevent fraud across the Bank.
• This role combines advanced analytical techniques, fraud trend analysis, and cross-functional collaboration to identify vulnerabilities, design strategic interventions, and support decision-making.
• The role ensures that fraud risks are minimized while enabling business growth and maintaining compliance with regulatory standards.

TECHNICAL COMPETENCY REQUIREMENT

• Strong understanding of fraud types (payment fraud, identity theft, account takeover, etc.) and industry-specific risks.
• Knowledge of fraud prevention frameworks, tools, and regulatory obligations.
• Ability to translate technical findings into clear business insights
• Ability to anticipate fraud trends and proactively develop mitigation strategies.
• Ability to works effectively across departments (fraud ops, IT, compliance, product, etc.)
• High degree of precision in data analysis, reporting, and fraud case evaluation.
• Maintains high standards of confidentiality, data privacy, and compliance
• Delivers results within deadlines while maintaining quality
• Ability to interpret complex datasets and uncover actionable fraud insights.
• Teamwork
• Problem solving skills
• Attention to detail

REQUIRED MINIMUM EDUCATION AND TRAINING

• Diploma Analytics and Data Extraction or equivalent
• CFE (Certified Fraud Examiner)

REQUIRED MINIMUM WORK EXPERIENCE

• At least 5 years’ experience within Fraud Department handling different aspects of fraud and investigations
• At least 5 years’ experience in Fraud insights and analytics

KEY PERFORMANCE AREA (KPA)

FINANCIAL MANAGEMENT

• Prevent losses and further losses with the correct implementation of procedures
• Conduct cost-effective guidelines when required
• Prevent and reduce financial losses where possible through effective data analytics and tolls implemented.

CUSTOMER CENTRICITY

• Work closely with the operational teams to ensure that any fraud alerts generated have an appropriate treatment strategy dependent upon the risk identified.
• Build trusting relationships with management and employees in Bidvest Bank to facilitate compliance to AML, CTF and sanctions programmes ensuring that a regulatory compliance aware culture is embraced.
• Provide regular feedback to the Fraud Operations teams where alerts have been released incorrectly leading to a successful fraud.
• Communicate confidentially with employees and address any concerns they have about ethical practices and/or other compliance related matters within Bidvest Bank.
• Support Alliance Partner with all aspect of Fraud prevention and Detection platforms and data sets.

OPERTIONAL EXCELLENCE

• Develop and create systems and platforms within the Financial Crime Unit that will be responsible for the analysis of fraud trends, identifying root cause, and recommending ways to combat fraud through improving processes or fraud detection strategies.
• Writing and negotiating SLA processes with all internal and external parties and services providers that may have any contact with the unit and its processes.
• Ongoing monitoring of the fraud detection systems to ensure that they are performing optimally and in line with risk appetite.
• Analysis of Fraud Patterns – Implement and enhance strategies with fraud detection systems across all fraud types.
• Project Management and Scheme Workflow updates relating to all Third-party engagements and service providers, including system enhancements and roll outs of newly approved platforms and systems.
• Ensure updating and enhancements of Process and procedure manual
• Provide regular feedback to the Fraud Operations teams where alerts have been released incorrectly leading to a successful fraud.
• Updating and development of Fraud rules
• Enhancement and development of fraud detection methods and processes
• Assist with the management of bin attacks and data extractions that will assist with investigations.
• Interpret data sets to extract trends and identify issues and risk.
• Undertake detailed root cause analysis to identify control and/or process/procedure failings that are driving fraud attacks.
• Escalating to the process/control owner/stakeholder to ensure that any required changes can be developed and implemented.
• Proactively identify potential fraud vulnerabilities and recommend improvements to systems, policies, and processes.
• Support the design of real-time alerting and case management systems for enhanced fraud response
• Take accountability for the achievement of operational objectives within own area of control.

PEOPLE LEADERSHIP

• Inspire, motivate, and support team so that they are effective and delivering high quality work and meeting organisational and individual objectives.
• Contribute to teamwork (level of teamwork, accountability, delivery, quality & speed of information shared contribution to efficiency and effectiveness of area).
• Build a high performing team where the best people are deployed in the right roles and deliver against strategy.
• Support and drive the business’ core values.
• Ensure that all employees are motivated and developed.
• Implement and maintain an effective system of internal controls and delegations of authority for the department, to ensure that accountability for decisions made.
• Inspire and engage employees around the vision and strategy of the Bank, maximising employee engagement and willingness to invest discretionary effort.
• Maintaining departmental structures, processes, and resources.

REPORTING AND DATA MANAGEMENT

• Updating and testing of fraud rules - ensuring that their parameters are in line with the false positive ratio vs fraud
• Creating and development of fraud reports where needed
• Ensure analytics and reporting processes align with regulatory, legal, and audit requirements.
• Maintain data privacy and ethical standards in all analytics activities.
• Assist with the management of bin attacks and data extraction.
• Updating and testing of fraud rules - ensuring that their parameters are in line with the false positive ratio vs fraud
• Lead the analysis of transactional and behavioral data to detect emerging fraud patterns, trends, and anomalies.
• Translate complex data into actionable insights and recommendations for fraud prevention and detection
• Project Management and Scheme Workflow updates relating to all Third-party engagements and service providers, including system enhancements and roll outs of newly approved platforms and systems.
• Process and procedure manual updating and enhancements

LEARNING AND GROWTH

• Work with Learning & Development and Internal Communications teams 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.

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PRIMARY PURPOSE

• This role is responsible for driving the development, maintenance and enhancement of consumer card products, including credit, debit, and World Currency Cards.
• This role ensures the alignment of product strategies with customer needs and business objectives, overseeing the entire product lifecycle from ideation through to launch and optimization.
• The Product Owner works closely with cross-functional teams, including marketing, technology, operations, and compliance, to deliver innovative solutions that enhance customer experience, increase market share, and drive revenue growth.

TECHNICAL COMPETENCY REQUIREMENT

• Understanding of consumer credit/debit card, prepaid card products and prepaid travel cards (e.g., World Currency Card, Forex and Remittance solutions)
• Familiarity with card network rules (e.g. Visa, Mastercard)
• Understanding of EMV, tokenization, and digital wallets (e.g. Apple Pay, Google Pay)
• Understanding of management accounts and finance principles (including revenue, costs, volumes and other drivers).
• Understanding of financial regulations relevant to card products (e.g., KYC, AML, PCI DSS)
• Risk assessment and governance procedures
• Working knowledge of card processing systems, APIs, and payment platforms
• Ability to conduct market and competitor analysis and using insights to drive product innovation and differentiation
• Understanding of key business drivers (revenue and cost drivers).
• Good business acumen with the ability to anticipate problems and identify possible preventative measures.
• Relationship Building and Stakeholder management
• Excellent written and verbal communication skills.
• Ability to work under pressure
• Understanding of loyalty offerings and impact on costs and profitability.

REQUIRED MINIMUM EDUCATION AND TRAINING

• National Diploma in Business Management or equivalent

REQUIRED MINIMUM WORK EXPERIENCE

• 3-5 years’ work experience in similar role (Card Issuing or Forex)

KEY PERFORMANCE AREA (KPA)

FINANCIAL MANAGEMENT

• Assist with managing the income statement and drive economic profit by ensuring that the Personal Card Products and the WCC product are profitable and meets customer needs.
• Provide input to the Product manager and Finance Teams to produce budgets and forecasts.
• Provide input in determining product pricing by utilizing market research data; reviewing production and sales costs; anticipating volume; costing special and customized orders.
• Understand business requirements and put together plans in terms of growing the business. (short-term and medium term)
• Executing, tracking, and leveraging revenue and cost items.
• Ensure financial objectives for are met by partnering with Finance and Product Leadership in preparing an annual budget; analysing overall variances; and direct corrective actions within the team.
• Analyse reasons for variances and which levers to pull to ensure that budget is achieved.
• Provide input into the budget process and the sales targets.
• Continuously review performance of the consumer card product against scorecards, targets, and processes to address any gaps.

CUSTOMER CENTRICITY

• Ensure consumer card products meet Payments Industry requirements and addresses the customer needs.
• Put customer at the centre of daily work.
• Provide support to front-line sales with product knowledge, customer queries and pricing.
• Assist and support business partners with escalated queries relating to any ongoing analysis, development, and operations.
• Analyse customer requirements and address product-related queries and complaints
• Engage with internal stakeholders e.g., Data Analytics, FCU, Operations etc., to assist in the performance of the business and to deliver the required products and services.

OPERTIONAL EXCELLENCE

• Ensuring competitive analysis on comparable products which other competitors offer.
• Translate product strategy into detailed requirements and prototypes.
• Assisting with input into established processes, e.g. New Product Approval; Project Management; Business Analyst engagement; Business Requirement specifications; Test plans; Change Management
• Collaborate with sales staff to develop product sales strategies.
• Collaborate with marketing staff to deliver integrated marketing plans.
• Evaluate the company products and compare them against industry trends
• Scope and prioritize activities based on business and customer impact.
• Implementation of a new product/idea in accordance with the analysis.
• Develop and test new product enhancements based on an approved Business Case
• Systems downtime management: proactive management of Grow, BBA and WCC, setting up critsit meetings with vendors and key Operations staff, ensuring proper communication with internal stakeholders and external stakeholders and customers.
• Agile product ownership (e.g. providing input on the writing of user stories, managing backlogs etc.)
• 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
• Collaboration with IT and vendors on technical specifications and system integrations
• Assisting with input into established processes, e.g. New Product Approval; Project Management; Business Analyst engagement; Business Requirement specifications; Test plans; Change Management

DATA MANAGEMENT

• Work closely with Product Managers and Data team to ensure their data and reporting requirements are met to achieve objective of:
• Providing Customer Insights,
• Product Insights and
• Optimise product and identify opportunities through data led findings.
• Compile key business metrics and report on them to management.
• Create additional analyses and reports as requested by management.

STAKEHOLDER MANAGEMENT

• Ensure Card Scheme compliance.
• Ensure SARB and PASA industry compliance.
• Promote close relationship within Product team and stakeholders
• Provide support to front-line sales with product knowledge and customer.
• Briefing and driving the relevant departments, e.g. Marketing, Sales Campaigns, Training and Call Centre to ensure that all functions achieve the required objectives
• Assist on a need basis in resolving customer queries across the product suites.
• Develop and maintain good relationships with internal stakeholders to ensure success of projects and to deliver the required products and services.
• Respond in a timely manner to requests and enquiries for product information or changes.
• Collaborate with internal and external stakeholders

LEARNING AND GROWTH

• Take ownership for driving own career development.
• Prepare and obtain sign off on your Personal Development Plan
• Achieve the objectives/milestones set out in the development plan.
• Review performance on a regular basis (monthly, quarterly, and annually)

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PRIMARY PURPOSE

• To drive business growth by identifying, acquiring, and managing relationships with merchants, promoting and selling payment solutions, and ensuring a seamless onboarding experience.
• The Merchant Sales Specialist plays a key role in expanding the merchant network, increasing transaction volume, and providing excellent service to meet the financial and operational goals of the Bank.

TECHNICAL COMPETENCY REQUIREMENT

• Understanding of point-of-sale (POS) systems, card readers, and payment terminals
• Familiarity with various payment gateways (e.g., Visa, Mastercard, Amex, digital wallets)
• Knowledge of merchant onboarding processes, including document collection and verification
• Insight into the digital payments landscape, including QR codes, contactless payments, mobile apps, and e-commerce integrations
• Ability to explain technical product features in business terms
• Understanding of merchant pricing structures (e.g., MDR, interchange fees) and ability to explain terms clearly
• Competence in analyzing merchant performance data and identifying sales opportunities or risks
• Knowledge of regulatory and compliance requirements related to merchant services (e.g., KYC/AML)
• Excellent communication, negotiation, and interpersonal skills
• Sales Driven

REQUIRED MINIMUM EDUCATION AND TRAINING

• National Diploma in Business Management or equivalent

REQUIRED MINIMUM WORK EXPERIENCE

• 3–5 years of experience in sales, payments , preferably in merchant services (acquiring and issuing), financial services, or payment solutions
• Proven track record of meeting or exceeding sales targets
• Experience in B2B sales or field sales is an advantage

KEY PERFORMANCE AREA (KPA)

FINANCIAL MANAGEMENT

• 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

CUSTOMER CENTRICITY

• Build and maintain strong relationships with existing merchants and internal stakeholders
• Assist merchants in resolving technical or service-related issues in collaboration with support teams
• Provide after-sales support and ensure merchant satisfaction.
• 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
• 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

OPERTIONAL EXCELLENCE

• Guide merchants through the onboarding process, including documentation and KYC compliance
• Coordinate with operations and risk teams to ensure smooth activation
• 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
• Maintain accurate records of merchant interactions, contracts, and sales activity
• Prepare daily/weekly/monthly sales reports for review by management
• Monitor individual sales performance on a daily / weekly /monthly / quarterly & annual basis and provide feedback to management in how to improve performance
• Gather market intelligence on competitors, pricing, and new trends
• Provide product feedback and suggest improvements based on merchant needs
• 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
• 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
• Maintain accurate records of merchant interactions, contracts, and sales activity
• Prepare daily/weekly/monthly sales reports for review by management

LEARNING AND GROWTH

• Take ownership for driving own career development.
• Prepare and obtain sign off on your Personal Development Plan
• Achieve the objectives/milestones set out in the development plan.
• Review performance on a regular basis (monthly, quarterly, and annually)
• Ensure merchants understand the usage, benefits, and features of the services offered

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Primary Purpose:

• The Solutions Architect will provide leadership and alignment of the solutions architecture and technology design for Bidvest Bank.
• This includes development of architectural principles aligned to business strategy.
• The Solutions Architect will engage with engineering leaders, product managers and business leaders ensure alignment on solutions ensuring technical direction and will provide thought leadership across the company.
• The Solutions Architect will proactively share knowledge of architecture and design and create opportunities to build competitive advantage and improve efficiency and effectiveness of business.
• Solutions Architects must be prepared to collaborate with leaders, managers, and employees across every business unit.
• To successfully align IT solutions with business objectives, solutions architect must have strong leadership and communication skills, as well as both technical and business knowledge.
• As a solutions architect, you will need to understand the business side of the organisation to understand which IT solutions will fit the company’s goals.
• Your leadership skills will be important for steering the overall process of identifying key business objectives and determining the requirements for each solution

Minimum Requirements

Qualifications

•  Bachelor’s Degree, Postgraduate, Business Administration equivalent

Experience

• 10 to 15 years of IT and business/industry work experience
• 5 -8 years management experience
• 5 years developing and executing strategic plans and/or project portfolios

Ideal

• Enterprise Architecture
• Solutions Architecture
• Solutions Design
• IT Architecture
• Knowledge, Skills and Abilities Required
• Strategic thinking and planning
• Operational execution excellence
• Ability to drive change that enables efficiencies and drives growth
• Excellent interpersonal skills to influence, persuade and motivate others
• Systems thinking
• Team and collaboration orientation
• Management and Leadership skills
• Problem solving
• Performance driven
• Learning orientation
• Effective written/verbal communication skills

Duties and Responsibilities

FINANCE

•  Control and manage costs in line with the Business and bank budget expectations

CUSTOMER EXCELLENCE

• Responsible for the solutions architecture for the Bidvest Bank.
• Develop and maintain productive and collaborative relationships with key stakeholders, to support achievement of Business outcomes.
• Proactively serve as a “trusted advisor,” and function as the primary IT point of contact to Bank stakeholders.
• Build and drive successful relationships across the business promoting a best for business approach to solutions, architecture, and design principles.
• Operate as the key business contact representing IT in promoting IT services and capabilities
• Function as the key liaison across all functional areas, including business units, the information technology department, and outside vendors
• Advising on technological solutions available to address business problems, providing timely advice on the feasibility

OPERATIONAL EXCELLENCE

Strategy, design, and solutions

• Provide strategic thought leadership with regards to the role IT plays in executing the business strategy.
• Lead the translation of strategy into the development of solution architecture deliverables to ensure alignment with Bank strategies and architecture frameworks.
• Work with application, integration, and supplier architects to design solutions that support the business and assist with the alignment of supporting technology roadmaps.
• Oversee the solution architecture and design of solutions and help to maximise the positive impact on the Business.
• Actively contribute to IT strategy implementations and ongoing refinement activities in line with Bank goals.
• Strive to understand market challenges, including customer priorities and competitive issues
• Provide support in delivering solutions architecture that meet the needs of the business
• Collaborate with program/project teams to reconcile solutions to Bank architecture.

Innovation

• Provide thought leadership on the future of technology as it relates to the Bank, initiative-taking in getting to grips with leading edge technologies and understanding their potential.
• Ensure the business is aware of emerging trends, practice, and technologies in the marketplace and how they may contribute to business outcomes and strategies.
• Actively identify and champion innovation initiatives supporting the Bank strategy.
• Continuously seek improved ways to work and efficiencies within team

People Management

• Promote and foster collaborative team and stakeholder relationships based on growth and resilience, integrity, accountability, and inclusion, and adheres to the Bank value of ‘Leadership’
• Monitoring and managing deliverables, output, and performance of subordinates
• Develops talent by facilitating cross training, developing, coaching, mentoring & growing individuals & teams in the Business Units.
• Encourages career advancement endeavours to staff.
• Following up on disciplinary procedures and any other matters relating to subordinates’ behaviour and activities.
• Ensures that effective training & development practices exist in the BU & that continuous learning is fostered.
• Accountable for providing an environment in which employees can apply what they have learned
• Support & reinforce the application of newly acquired skills. Rewards the application of newly acquired skills & knowledge. Fosters a climate of continuous learning
• Ensure training is a part of employees' daily routine & encourages them to tap into the knowledge of their colleagues & to set performance improvement goals.
• Manage day to day staffing requirements, issues, and performance.

LEARNING AND GROWTH

• Take ownership for driving own career development
• Achievement of objectives/milestones set out in the development plan
• PDP plans and performance discussions with staff
• Recommend and participate in the design and implementation of standards, tools, and methodologies.
• Share best practice, lessons learned and constantly update the architecture requirements based on changing technologies, practice, and knowledge.