Latest Jobs at Gulf African Bank

Reports To: Head of Risk & Compliance

Job Purpose: 

This role is responsible for the management of money laundering and terrorist financing risks, in particular, the role is designed to assess the potential threat to the Bank of money-laundering and terrorism financing activities and ensuring appropriate processes have been designed and implemented to manage and mitigate these risks.

Key Responsibilities

• Handle the management and execution of second line monitoring and assessment program for Anti-Money Laundering/Counter-Terrorism Financing (AML/CTF).
• Improve and maintain AML/CTF policies and procedures.
• Ensure compliance with the AML/CFT regulatory framework put in place by local and international stakeholders.
• Ensure up to date comprehensive Compliance matrix based all the relevant legislations/regulations to ensure that the Bank and its local subsidiaries comply with all the relevant legislations and regulations.
• Support in the improvement of AML/ CFT tools to monitor, analyze, and report suspicious activity.
• Handle file reviews of suspicious activity to ensure compliance with the policies and procedures put in place.
• Identify and inform any changes to legislation and other regulatory requirements relating to AML/CTF.
• Support in the design, development, and implementation of AML/CFT risk assessment framework.
• Provide relevant compliance reporting to ensure the completion and proper analysis of suspicious activity reports that have been conducted.
• Ensure detailed and prompt investigation of all AML/CTF incidents and cases.
• Help with identifying any AML/CTF loopholes and coordinating projects to bridge those gaps.
• Support in general compliance awareness and refresher training.
• Involvement in projects as needed to ensure AML\CFT concerns have been addressed.
• Provide subject matter expertise to business on matters relating to AML|CFT.
• Conducting ongoing testing of the Bank compliance with the POCAMLA regulations.
• File suspicious transaction reports with the Financial Reporting Centre (FRC).
• Ensure that the anti-money laundering compliance programme is followed and enforced within the institution.
• Maintain close co-operation and liaison with the Central Bank.
• To respond to compliance questions and concerns of the staff and advice branches/units and assist in providing solutions to potential issues involving compliance and risk

Required Competencies (Knowledge, Skills & Abilities)

Qualifications

• Degree in Law, Business, Finance or Compliance related disciplines
• Masters of Business Administration or a related field will be an added advantage
• Extensive regulatory knowledge (Local and international AML\CFT regulations, FATCA, etc.)
• Professional Certification in AML/CFT e.g. Certified Anti-Money Laundering Specialist (CAMS) or any other Financial crime professional certification is mandatory.
• CPA/ACCA

Experience

Minimum 5 years’ working knowledge of the diverse financial products offered by financial institutions, at least three .in a Compliance/Risk function.

Personal attributes

• Excellent communication and interpersonal skills;
• Ability to establish priorities, plan, coordinate and monitor own work plan
• Strong negotiation skills;
• Good understanding of relevant regulatory requirements, CBK Prudential and Risk Management guidelines
• Ability to understand and interpret financial information and principles
• Exceptional analytical and investigative skills

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Reports to:  Branch Manager

Job Purpose:

Reporting to the Branch Manager,

The Personal Banker will have a holistic view of all accounts within his/her portfolio, using lead generation and account prioritization to cross sell Bank products and extract value from said portfolio whilst maintaining/ building customer relationship and account information.
 
Key Responsibilities

• To ensure growth of Branch Middle Retail portfolio (NFI, deposits and assets) through the acquisition of new to Bank customers through the Retail sales officers and lead generation.
• To actively generate referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity. 
• To ensure acquisition of customers to digital channels.
• To effectively manage and expand the relationships with existing Retail banking clients and bringing in new business  from existing portfolio so as to ensure business growth and continuity.
• To Grow Middle Retail customer portfolio size (Product per customer, Non-funded income, deposits and assets) by deepening existing customer relationships. 
• To ensure a clear retention plan for overall portfolio deposits and loans for the segment, to execute this plan in conjunction with the Branch Manager. 
• To monitor account planning for all clients that will assist in advising on potential financial solutions based on identified needs.
• To advise customers of maturing fixed deposits for appropriate action and with the aim of retaining the deposits.
• To assist in Resolving client queries in a timely and appropriate manner.
• To assist in collaborating with product specialists, to deliver effective customer solutions.
• To Ensure Fulfillment of minimum customer relationship touch points – e.g. 1 visit every quarter and 1 call and email a month depended on customer segment. 
• To Prepare and submit all reports that may be required by the management summarizing individual and team loan activity.
• To Ensure all customers are on-boarded on a digital platform i.e. GABPesa, Internet Banking.
• To Ensure Product per Customer of 3 across the portfolio.
• To have clear understanding of relationships, their life-cycles and the various product offerings that can be given to the customer.
• To evaluate credit proposals and ensure the credit applications process on a timely basis within   the bank’s set turnaround times.
• Obtaining account opening documentation from new customers 
• Opening of accounts for customers in the system and ensuring minimum required information is captured and customer is provided with a CIF number.
• Following up with customers in the portfolio for missing information
• Maintaining/ Updating customer data  on parameters such as Business turnover/ directors details etc
• Prudently manage asset book and ensure minimum portfolio at Risk.

Qualifications, Experiences & Personal Attributes Qualifications  Bachelor’s degree in a Business related field
 
Experience

• Experience in Banking and a good knowledge of bank products
• 3 year experience in managing clients
• Excellent interpersonal skill
• Excellent communication and presentation skills

Personal attributes

• Deciding and Initiating Action
• Delivering Results and Meeting Customer Expectations
• Entrepreneurial and Commercial Thinking
• Persuading and Influencing
• Planning and Organizing
• Presenting and Communicating Information
• Networking skills