01Overview
Job Description:
JOB SUMMARY
To achieve agreed individual financial and non-financial targets by acquiring, growing, and retaining profitable Retail Banking customers within acceptable risk parameters.
Contribute toward achieving teams overall target and delivering optimal portfolio return.
Collaborate and build effective partnerships with other RMs, team leaders, segment heads, as well as colleagues in CDD teams and partners in risk, compliance, other support functions, and product
RESPONSIBILITIES
To achieve agreed individual financial and non-financial targets by acquiring, growing, and retaining profitable Retail Banking customers within acceptable risk parameters.
Contribute toward achieving teams overall target and delivering optimal portfolio return.
Collaborate and build effective partnerships with other RMs, team leaders, segment heads, as well as colleagues in CDD teams and partners in risk, compliance, other support functions, and product
Strategy
To achieve agreed individual financial and non-financial targets by acquiring, growing and retaining profitable Retail Banking customers within acceptable risk parameters.
Contribute toward achieving teams overall target and delivering optimal portfolio return.
Collaborate and build effective partnerships with other RMs, team leaders, segment heads, as well as colleagues in CDD teams and partners in risk, compliance, other support functions, and product
Business
Effectively generating new business identify prospects and convert in line with the Banks appetite
Strategically formulating account plan provide clients needs-based solutions, structure appropriate credit facility, and execute various banking transactions
Proactively building trusted client relationships maintain a portfolio of active and growing customers
Processes
Drive continuous improvement of the operational efficiency and effectiveness of processes to increase the consistency of systems and processes.
Support the framework for effective management of operational risks across the Business and compliance with applicable internal policies, and external laws and regulations at a global level.
Support the execution of Business strategy in a safe and well-controlled manner and on an end-to-end basis incorporating infrastructure requirements and ensuring that they are fit-for-growth.
Conduct regular and timely customer due diligence (CDD) reviews
Ensure CDD profiles are error free for timely sign off
Follow and comply with AML CDD policies and procedures where applicable
Identify KYC issues, provide solution or escalate to line manager if necessary
Ensure internal / external KYC requirements are adhered to AML CDD policies and procedures
Timely handling of customer issues, complaints, and product enquiries in accordance with established procedures
People & Talent
Embed the Groups values and code of conduct to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees form part of the culture
Risk Management
Abide by appropriate frameworks to guarantee that business is carried out within the Groups risk appetite and relevant risks are appropriately managed in conjunction with line managers other stakeholders.
Ensure compliance with the highest standards of regulatory conduct and compliance standards and practices as defined by internal and external requirements. This includes compliance with regulations and guidelines on Sanctions, Anti-Money Laundering (AML), and Environmental and Social Risk
Management (ESRM).
Abide by the Groups values and code of conduct and foster a robust culture to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees.
Ensure that Risk Management matters that are brought to the job holders attention are subject to direct remedial action and/or ensure adequate reporting to the relevant superiors and/or Risk Committees.
Do what is right in order to avoid reputational risks and operational losses
Governance
Ensure relevant systems and controls pertaining to the role remit are in compliance with Group and
Business policies, procedures, standards and codes, including those governing all Risk types,
Compliance, Operational Risk, Technology and Operations, Finance and Reputation
Ensure adherence with the following Regulatory Compliance policies and processes (as is applicable):
Anti-Money Laundering (AML) and all applicable money laundering prevention procedures
Client Due Diligence & Related Periodic Reviews .
