Jobs at Santam Insurance

KEY RESPONSIBILITIES

• Driving a comprehensive application security strategy.
• Threat mitigation and risk management.
• Secure architecture and design.
• Vulnerability management and code reviews.
• Securing the development lifecycle.
• Collaboration and communication with development teams and other stakeholders.
• Protecting global assets.
• Understanding regional requirements.
• Lead the development and execution of application security assessments.
• Ensure applications comply with all relevant security standards and regulations.
• Champion a "security by design" culture.
• Develop and maintain application security documentation.
• Develop and manage risk mitigation strategies.
• Work with other security teams (e.g., security operations, etc.)
• Stay up-to-date on the latest application security threats and vulnerabilities.
• Application Security Incident Response and Cyber Crisis Management.
• Participate in Group Information Security Programme (GISP) initiatives.
• Application Security (including cloud security), Infrastructure Security, and Cybersecurity Education, Training and Awareness.
• Provide regular feedback to Santam Manco on Group-wide application security issues.
• Clear and timely communication to management and users regarding application security matters.
• Application Security Risk assessment that identifies a requirement for additional awareness or targeted education, training, and awareness interventions.
• Review and respond to all application security-related audit findings.
• Produce required application security reports.
• Ensure that security 'gates' are a formal part of the SDLC/ Agile/ relevant solution development methodology.
• Active participation in Sanlam-sanctioned industry bodies (e.g. ISF Live, ISACA, FS-ISAC)
• Timeous escalation of new, high or escalating cybersecurity risks.
• Engage with application owners and the Group Cyber Security Centre (GCSC) Operations Team to ensure that system vulnerabilities identified during penetration tests, Red Team exercises, or vulnerability scans are addressed.
• Ensure that the Group CIO is aware of risks and actions required.
• Find & provide root cause analysis and implement permanent and/or long-term fixes for application security-related incidents.
• Strong understanding of integration between Workstations and Network/Servers

QUALIFICATIONS AND EXPERIENCE

• A bachelor’s Degree or Diploma in Cybersecurity, Computer Science, Information Systems, or a related field, or equivalent work experience.
• A Recognised Cyber Security Certification(s) (e.g., Certified Information Systems Security Professional (CISSP), Certified Information Security Manager (CISM), Certified Ethical Hacker (CEH), or similar certification will be an advantage.
• With 15+ years of experience in software engineering, a significant portion of that in an architectural position focusing on cybersecurity within complex organisations, preferably in the financial services sector. The incumbent must have a solid technical software engineering background with a deep understanding of cybersecurity concepts, threats, and vulnerabilities.

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What will you do?

• To manage Santam Client Solutions (SCS) Personal Lines (PL) business portfolio to ensure achievement of SCS’s profitable growth targets. Create, develop and grow a world class underwriting team in support of the SCS strategic objective to grow in its target markets through the multiple distribution channels within SCS. Manage and deliver on the following areas:
• PL insurance classes performance with regards to premium growth and profitability
• Ownership of the full underwriting functions, including Underwriting Guidelines for Santam SCS and where appropriate collaboration with peers within Santam.  

Key accountabilities and responsibilities include:

• Achieve SCS financial targets by working with internal stakeholders, including Pricing, Product Management, Distribution, and Operations, to drive profitable and sustainable growth.
• Implement strategic initiatives to meet financial goals, including designing SCS products for target markets and distribution channels in partnership with Product Management.
• Develop and manage underwriting rules and processes to ensure they align with Santam’s risk appetite and facilitate ease of business.
• Draft and update policy wordings, conditions, and rules to minimize underwriting leakage, enhance client experience, and comply with legislative changes.
• Collaborate with SCS Pricing to set and align rating parameters and underwriting rules based on data analysis.
• Manage underwriting authority and compliance, balancing flexibility with Santam’s profit and growth targets.
• Stay informed on global underwriting trends for Personal lines risks, exploring opportunities for innovation or risk adjustments in the South African market.
• Develop new solutions and innovations to maintain Santam’s market leadership across segments.
• Engage with Santam Group’s expert underwriters to ensure optimal client and broker solutions.
• Ensure offerings are competitive and market-related, achieving the required return on investment.
• Drive and manage the achievement of SCS’s Personal lines business growth targets, balancing profitability across business classes.
• Address profit and growth challenges with solutions such as improved underwriting rules, automation, and risk models.
• Collaborate with Operations, Distribution, and external stakeholders on complex underwriting issues to secure buy-in and identify growth opportunities.
• Implement and oversee adherence to underwriting guidelines, policies, and procedures.
• Approve technical policy wordings, underwriting manuals, and reinsurance processes.
• Report on compliance with underwriting guidelines in collaboration with SBS Governance.
• Assess and discuss reinsurance programs with Santam Reinsurance for optimal structures.
• Represent Santam at industry forums and SAIA as needed.
• Influence external stakeholders on general insurance and risk relevance.
• Build and lead an effective SCS PL Underwriting team, fostering technical expertise and managing talent for succession.
• Inspire and motivate staff to manage turnover and compete for talent.
• Provide guidance on complex risks and insurance matters to internal staff.

What do you need?

• Bachelor’s degree or relevant insurance qualification e.g. AIISA or FIISA or similar 
• Proven track record of at least 6 years’ experience within STI Underwriting environment, of which at least 2 years’ management of an underwriting function. 
• Good knowledge of Personal underwriting is essential.
• Specialist Property & Motor technical underwriting expertise.
• Thorough knowledge of Santam’s products.
• Knowledge of (and understanding of the impact of) the relevant legislation on the business e.g. Building regulations etc.
• Advance Computer literacy (MS Word, Excel & PowerPoint)

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What will make you successful in this role?

• To support risk-based audit assignments using data analytics, ultimately to contribute to delivering on the internal audit plan approved by Santam’s Group Audit Committee. 

Assignment work entails assignment planning, execution, reporting and audit follow up work (where applicable) including the following activities:

• Performing risk and control assessments;
• Developing, executing and in some cases, reviewing audit procedures;
• Preparing audit findings and unpacking root causes with management;
• Compiling a draft audit report and advising on practical recommendations with various levels of management which will support the achievement of the Santam Group’s and our business partners strategic and financial objectives;
• Ensuring that audit work is documented on GIA’s audit software tool and adheres to the required quality standards; and
• Ensuring that audit work is completed within time and cost budgets.
• Assist in reporting to various audit and risk committees.
• Provide input into annual audit planning.
• Follow up on audit issues raised and provide input into the reports to the audit committee and other relevant governance structures.
• Maintain quality standards in terms of the audit methodology, approach and documentation.
• Supporting and mentoring junior / trainee auditors.
• Client relationship management with internal Santam stakeholders as well as external stakeholders.
• National and international travelling to Santam offices and partners may be required.

Qualification and Experience

• A relevant qualification (Diploma, Bachelors or Honours degree) in science, commerce, engineering, technology, information systems, informatics or similar. 
• More than 5 years’ experience in an audit/consulting services function and demonstrable exposure as per the job description.
• Data analytics experience using tools such as ACL or similar.
• SQL data interrogation experience (advantageous).
• A basic understanding of internal audit disciplines, methodologies and practices.
• Use of the Teammate audit software package would be advantageous.
• Experience with designing and maintaining intuitive data dashboards that support decision-making.
• A background in creating visual representations of data, utilizing tools such as Tableau, Power BI, or similar platforms would be advantageous.

Skills

• Very strong numerical, analytical and conceptual skills 
• Analytical ability and logical reasoning
• Completion of audit assignments effectively and in a timely manner (Time Management)
• Excellent interpersonal, communication and networking skills
• Relationship management (Strong client service orientation)
• Strong verbal and written communication skills
• Ability to work effectively in a team as well as by yourself

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What will make you successful in this role?

• This role will be responsible to develop and implement a framework for insurance products management throughout the product lifecycle with due consideration of existing governance policies and relevant legislation. The framework will include, but not be limited to, designing, developing, delivering, maintaining and monitoring, in collaboration with and support of Group business units, timeous, relevant and suitable product solutions within a framework of strategic direction and product management best practice.
• The role will further be responsible to enhance, manage, and oversee the product management framework relating to new products, existing products and material changes to existing products. The role will also support and drive the creation and development innovative insurance products in order to bridge the gap between existing insurance offerings and capabilities and the insurance opportunities that exist, ensuring that Group business units implement the most efficient and effective products tailored to their unique markets. 

KEY ACCOUNTABILITIES:

• Accountable to ensure adherence to product management framework and capabilities being product strategy, product planning, product development and product portfolio management.
• In collaboration with key stakeholders, manage the end-to-end product lifecycle, from conceptualization to launch, for key initiatives within our product portfolio.
• Ensure that relevant marketing strategies and plans are in place for products to achieve overall competitive advantage and profitability.
• Conduct market research, competitive analysis, and customer feedback to identify opportunities and inform product decisions.
• Provide insights to drive marketing and product usage campaigns and the product and partner strategy.
• Ensure business tracks performance of all sales and marketing campaigns to ensure ROI and work with the sales and distribution teams to improve sales, by providing customer insights and input into marketing strategy including sales scripts.
• Ensure execution with the agreed product strategy to ensure brand objectives are met.
• Enhance the product and distribution channels as well as identify new opportunities to grow the existing product.
• Support business in achieving growth and profit targets for the products by enhancing communication channels between the stakeholders to maximize business requirements, processes and efficiencies.
• Responsible for monthly and quarterly product management and governance reporting.
• Ensure compliance by business with the relevant legislation (e.g. Insurance Act, STIA, FAIS, CPA, POPI, NCA, FICA, Competition Act etc.) and keep up to date with legislative changes.
• Ensure effective communication strategies are implemented and aligned to the product plan with the policy holders [i.e. customers].

Qualifications and Experience

• Relevant Commerce Bachelor’s or similar degree required. Post-graduate or Master’s degree in a related field preferred.
• 7-10 years’ professional experience with experience at an insurance product development and product management in insurance and or other relevant digital insurance product enabling business
• Minimum of 5 years' project and management experience.
• Rewards and insurance experience preferred.

Skills

• Proficient computer literacy (MS Office package: Word, Excel, PowerPoint, Internet researching skills).
• Astute Customer Market Awareness 
• Training in Agile delivery
• Strong knowledge of fintech, financial services and mobile money
• Experience with African and emerging market consumers, and multicultural sensitivity
• Demonstrated success in defining and launching products that meet and exceed business objectives
• Advanced product knowledge and/or subject matter expertise in applications (including but not limited to specialist lines such as marine, engineering, specialist liability, corporate business, sectional title, aviation). 
• Teamwork and cooperation.
• Producing creative solutions.
• Analytical thinking and structured thinker with strong business acumen.
• Proven problem-solving skills.
• Proven ability to influence cross-functional teams without formal authority.
• Demonstrate excellent ability to define and implement successful products.

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What will you do?

• Entry point for representatives in a company. 
• Represents and sells the company's goods and/or services by visiting companies and obtaining orders. 
• Promotes sales by introducing the products with use of presentation/display techniques. 
• Keeps immediate superior informed of competitor action and customer status.  Is expected to achieve pre-set sales targets.

What will make you successful in this role?

Qualification and Experience

• Diploma with no experience or Grade 12 with 1 to 2 years related experience.

Knowledge and Skills

• New business processing
• Existing business processing
• Appointment preparation
• Client appointments and liaison
• Partnership Building

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Job Purpose

• The Client Service Consultant Operations will be responsible for the capturing of investment related instructions received from various stake holders accurately and timeously and thus contributing to the high standard of quality and service delivery by Glacier, as well as providing excellent client services to all stakeholders at all times. 

Key Outcomes

• The following outcomes will be expected to be achieved by the Client Service Consultant Operations:

Verifying of Instructions received from various stakeholders

• Ensuring all instructions received comply with the business rules and legal regulations 
• Liaising with all relevant role players e.g. intermediaries / clients / broker consultants, etc. to obtain any outstanding information / documentation or to clarify instructions received
• Inform the relevant role players via telephonic contact or email in order to keep them updated on the progress of instructions received 
• Ensure that Workflow system is updated at all times with progress

Capturing of Instructions 

• Capture all valid instructions received timeously and accurately on our processing system 

Reporting 

• Ensure that you report suspicious activities timeously to the relevant Departments
• Reporting of service failures to the relevant Support Manager

Technical Care

• Training will be a combination of classroom and self-study and you must attend all sessions and complete the relevant assignments within the agreed timeframe
• Pass all your In-House Product and Process Assessments 
• Ensure that you have a technical understanding of all Glacier’s offerings and the ability to apply that understanding to daily outputs
• Liaise with Compliance / Legal on cases where FICA and Business requirements are complex and report back to the Team and document the scenario and outcome 

Protecting the Glacier Brand and building relationships 

• Play a key role in fostering positive client relationships and the retention of clients
• Build and establish relationships with internal departments to enhance organisational effectiveness and efficiency
• Active participation in the business’s continuous improvement by identifying and proposing solutions to process and service-related failures 

Adhoc tasks

• Client service project involvement as required 
• Resolving queries received from various stake holders timeously 
• Assist any processing department where assistance is required 

Qualifications and Experience

• The Client Services Consultant role is an opportunity designed for recent graduates with under 2 years of work experience
• Relevant tertiary qualification
• Linked Investment Service Provider experience (Advantageous)

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What will you do?

Business planning

•  Work with Branch Manager and contribute operational insights to monthly, quarterly and annual business planning. 
•  Work with Branch Manager to determine sales targets for the team, in line with and in support of the objectives and strategy for the Branch, Area and Province.

Sales management

• Communicate and manage the achievement of sales targets to ensure growth in clients and profit.
• Plan and manage the weekly and monthly activities of representatives (Financial Advisors) in line with
• sales targets.

Responsible for the operational effectiveness of the team:

• Monitor and reduce the number of NTUs (not taken up premiums). Investigate NTUs, identify problems and recommend/implement solutions to rectify.
• Secure client retention through managing the quantity of cases written by Financial Advisors and quality of service in line with relevant standards.

People management

• Work with Human Capital and Talent Acquisition to put the necessary capacity / capability in place to
• achieve sales targets.
• Coach and develop team members, providing the necessary guidance, training, and work exposure to
• ensure personal and career growth.

Monthly planning and reporting

• Draw daily and weekly reports to monitor activities and the achievement of sales targets. Work with
• Financial Advisors to adjust tactics where necessary.
• Responsible for monthly reporting of sales and team activities. Analyse data to identify areas of
• improvement and plan for the next month.
• Conduct monthly and annual planning based on reports.

Stakeholder engagement

• Identify key internal and external stakeholders (branch managers, customers, commercial companies,
• facilities, etc.). Determine effective engagement tactics that will contribute to building and maintaining
• relationships.
• Engage with clients address escalated queries. Ensure the efficient resolution of queries and provide
• timely feedback.
• Manage and coordinate the delivery of internal stakeholders supporting the teams (support functions).

What will make you successful in this role?

Qualification & experience

• Grade 12
• meet the qualification requirements in line with their DOFA:
• Individuals who joined the industry prior to 2010 must have obtained their 30 or 60 credits or
• alternatively obtained a full qualification as per the FSCA list of recognized qualifications.
• Individuals who joined the industry from 2010 must have obtained a full qualification (120 Credits at
• NQF Level 4 for Categories B1 and B2) as per the FSCA's list of recognized qualifications at the point of recruitment.
• RE5

Knowledge and skills

• At least 2 years sales experience of which at least 1 year must be within the financial services industry
• (Cat B1/Cat B2/Retail Pensions)
• A minimum of one year management experience
• Relevant Regulatory frameworks, policies, and standards
• Sanlam insurance products (ideal)
• People management practices and principles

Qualification and Experience

• A commercial qualification together with 6 years administration experience and a thorough understanding of the company's processes.

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What will you do?

Key responsibilities:

Diary Management

• Business Solutions & RIC team.
• Arranging and coordinating meetings.
• Multi Manager & Graviton team IC meetings coordination.

Travel Arrangements

• Travel arrangements (domestic and international)
• Quarterly travel IC travel arrangements.

Client and Board Duties

• Positioning Assistance:  Correspondence, reports, tables and presentations.
• Arrange meetings, video and telephone conferences.
• Assist with preparing agenda and board documents for internal stakeholders.

Project Management

• Internal Communication Strategy.
• Feedback Loop built with all of EXCO, with mandate from CEO and HOB.
• Manage Priority List.

General

• Credit Card reconciliation.
• Cellphone reconciliation.
• Processing payments / claims, reimbursements.
• New starters setup as required.
• Event coordination:  client and team events coordination as required.
• Back up for colleagues as required.
• Telephone communication internally and externally.

What will make you successful in this role?

Minimum requirements

• Matric and an accredited secretarial qualification is essential.
• Bachelor’s degree is advantageous, but not essential.
• Robust work tenure: 5 to 8 years of experience.
• Proficient in Microsoft Office (Outlook, Word, Excel, and Power Point), Adobe Acrobat.