Careers at Standard Bank Group

Job Purpose 

Support the CMU Manager in ensuring that the Bank’s need to provide adequate controls over the risks encountered in the pre- and post-credit granting stage of the credit process are satisfied by verifying key documents and maintaining tight control over Building Loans & warehousing inspection and monitoring in line with approved parameters.

Key Deliverables 

• Validate the accuracy and completeness of bills of quantities, drawings, construction contracts and related documentation provided for building loans.
• Monitor construction projects from start to finish, monitoring progress according to predetermined schedules.
• Liaise with all parties involved in construction projects including Architects, Quantity Surveyors, Engineers, Project Managers & Contractors.
• Periodic inspections of construction sites and preparation of site visit & loan monitoring call report.
• Undertake a comprehensive and robust monitoring, stock count and other activities of customers related to CMU in line with approved sanction and various distributorship schemes.
• Undertake a comprehensive and robust monitoring, stock count and other activities of customers related to CMU in line with approved sanction and various distributorship schemes.
• Undertake periodic and ad-hoc visits / spot checks to review clients’ operations and provide a comprehensive status report as stated in approved sanctions, which must include identification of potential structural weakness in clients’ operations.
• Liaise with external agents, e.g., warehousing/collateral agents etc. on behalf of the Bank and act as a checker on their activities in line with executed service agreements. Reports will be duly provided for such activities.
• Provide guidance and input in applications requiring monitoring from CMU prior to submission to Credit while simultaneously proceeding with validation of information and documentation provided by the customer.
• Ensure CMU SharePoint is updated with relevant reports and documentation as required.
• Track collections from key distributors under the various approved schemes to forestall any possible diversion of sales proceeds.
• Review account performance vis-a-vis terms and conditions of approval and ensure strict adherence.
• Verify documents and information in day-to-day work as delegated by Account Management or Credit Evaluation in line with approved turnaround time.
• Diarise and follow up on conditions of sanction/covenants as relates to the CMU function.
• Refer/escalate / flag up problematic or irregular accounts (inappropriate payment patterns, failure to meet specific covenants etc.) to Credit Evaluation and Account Management for inclusion in monthly watch list.
• Maintain a proper monitoring system and ensure that the data set is complete and accurate.
• Design reports that address the tracking and measurement of agreed account performance criteria.
• Co-ordinate monthly transaction status report to Management.
• Establish and maintain close working relationships with internal and external service providers.
• Ensure adherence and compliance to all policies, processes, and procedures.
• Any other roles or tasks to be assigned by Manager, Collateral Management Unit.

Qualifications

Knowledge

• First degree in Building Economics, Quantity Surveying or equivalent, including valid regulator accreditation.
• Sound knowledge and understanding of credit criteria, credit policies, risk and financial analysis, credit control and the application thereof
• Thorough understanding of all the bank’s product and facilities that give rise to counterparty credit risk.
• Understanding terms of the facilities and any conditions and covenants that will need to be complied with over the duration of the facility’s life.
• Understanding of the bank’s systems, policies, and procedures to optimally draw on the available information to manage and control the post-credit granting processes.

Experience

• Minimum of 3 years’ experience in a banking &/or construction environment preferably with a risk management background.

Additional Information

Behavioral Competencies:

• Checking Details
• Directing People
• Empowering Individuals
• Following Procedures
• Interpreting Data
• Making Decisions
• Meeting Timescales
• Producing Output
• Pursuing Goals
• Resolving Conflict
• Understanding People
• Upholding Standards

Technical Competencies:

• Asset Based Lending
• Contract Management
• Loan Assessment & Approval
• Loan Processing
• Mortgage Lending
• Risk Acceptance
• Risk Identification
• Risk Measurement

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Job Purpose 

Implement data governance strategies, frameworks and roadmaps. Responsible for the execution of Data Governance related activities by monitoring the effectiveness of and adherence to governance processes that support the active management of identified information, data practices and data assets according to agreed standards and policies. To co-ordinate requests and execute requirements from regulatory and governance bodies pertaining to Data Services.

Key deliverables

•  Document and maintain an inventory of governance documentation in order to ensure that these are relevant. Enable business to apply data governance by providing the governance documentation, education, awareness and support.
• Embed governance structures which could include but are not limited to forums/working groups/people or operating models by working with business to move business to maturity and support business objectives.
• Ensure compliance with all applicable policies, standards, systems, processes, and procedures so that all relevant risk and governance requirements are fulfilled incorporating the four pillars of risk management, i.e. security, risk, privacy and compliance management. Implement the baseline requirements as well as the process for closure of significant data issues in collaboration with the risk fraternity and Group Internal Audit.
• Ensure risk management processes are embedded for Data Governance and product related functions in the value chain.
• Establish and maintain the structures and roles/responsibilities required to implement data governance by ensuring terms of reference and mandates are clearly understood and effected.
• Identify gaps and next steps in order to prioritise value add special projects to meet governance requirements. Act as a subject matter expert from a Data Governance perspective and provide input into decisions relating to governance and the use of data and information. Ensure that the appropriate controls and processes are effective at identifying, quantifying and managing overall data governance compliance across the business.
• Implement data governance strategies, framework(s) and roadmap(s) aligned to the group strategy to drive adherence to governance processes. Give input into the development or review of the data management policy, standards and process documents to ensure that standard repeatable outcomes are achievable. Implement Data Governance decision rights.
• Implement governance requirements for the different stages in the data lifecycle or data and information in general by setting rules over data and information assets in line with group data strategy.
• Keep abreast of new and existing legislation in order to understand the impact on the Data environment. Recommend new
  approaches and provide thought leadership by keeping knowledge of industry standards and best practice up to date.
• Mentor and coach junior/new Data Governance practitioners in order to upskill them on processes, standards, procedures and products.
• Participate in guilds to strengthen capacity and promote best practice. Engage and raise awareness with the business on how to leverage the guilds.
• Plan for and assist in managing change related to data governance implementation to effect information management culture changes, processes and policies in support of business objectives.
• Review and present reports to management on data governance issues, making strategic recommendations and advising where
  appropriate.
• Support Data Governance education by providing on the job guidance to Data Governance practitioners to resolve any escalated issues and support achievement of objectives as per defined standards.
• Support the Data Steward community by ensuring alignment on data quality and defined data quality metrics. Assist with the definition of test cases for data to be executed as part of CTB (change the bank) data requests arising from the labs.
• Undertake ad hoc reviews and investigations of compliance to standards, policies and business rules pertaining to data and information governance, develops analysis reports, documents key findings i.e. audit and reviews to ensure all findings are resolved in a timely manner.
• Work closely with IT to provide assurance by performing baseline, design and post implementation reviews to secure and protect data for optimum performance of systems.

Qualifications

Minimum Qualifications

• Type of Qualification: First Degree
• Field of Study: Information Studies

Experience Required
Information Lifecycle Management
Data & Analytics

• 3-4 years Experience with and understanding of risk management and terminology within related area of financial services, such as banking, investment asset management or insurance. Understanding of related products and services, and basic business processes.
• 3-4 years Sound knowledge and understanding of policies (including but not limited to Protection of Personal Information Act (POPI), financial market acts, International Financial Reporting Standards (IFRS) and Business Unit specific regulatory requirements/legislation. Knowledge of DAMA Framework for end-to-end Information Lifecycle. Knowledge of Internal Audit, Governance Frameworks, COBIT 5, King IV, Knowledge of Industry Frameworks: e.g. PCI-DSS.
• 5-7 years Experience in data and information environment with knowledge of Data Management and sound understanding of capabilities of the landscape e.g. data modelling - how to translate data governance into a business value/understanding. Experience in providing information govern

Additional Information

Behavioral Competencies:

• Adopting Practical Approaches
• Convincing People
• Developing Strategies
• Documenting Facts
• Examining Information
• Exploring Possibilities
• Interpreting Data
• Inviting Feedback
• Providing Insights
• Taking Action
• Team Working
• Upholding Standards

Technical Competencies:

• Business Acumen (Audit)
• Data Compliance
• Data Management (Administration)
• Data Quality
• Evaluation of Internal Controls
• Information Management
• Process Governance
• Remedial Action Development

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Job Purpose.

To implement a pro-active fraud prevention plan within Stanbic Kenya through a fraud awareness programme designed to mitigate fraud risk and loss.

Job Functions.

Fraud Awareness & Communication:

• Develop and disseminate fraud awareness materials (including training programs) to staff and customers as per Fraud sensitization timetable.
• Design and maintain content for training and awareness initiatives that are up to date with industry fraud trends & best practises to enhance fraud prevention and reduce fraud losses.
• Drive the training and awareness of Fraud Risk matters and developments through the implementation and maintenance of an effective communications plan and knowledge sharing platforms, in adherence to Group communication and training standards, to ensure the business in-country are sufficiently positioned to adhere to the relevant FRM frameworks, policies and regulatory requirements.
• Identify the most suitable communication mediums within the country and disseminate information accordingly to enable the most meaningful impact on the intended audience.

Fraud Risk Management & Analysis:

• Analyze trends and identify losses related to fraud
• Conduct workshops to prevent re-occurrence of fraud.
• Identify Fraud risks/weaknesses through Fraud Risk Assessments on processes, products, systems and procedures based on Audit, Risk, Assurance and Forensic and any relevant Reports, create awareness around these possible weaknesses and provide potential solutions to prevent re-occurrence and possible occurrence.
• Keep abreast of and analyse relevant legislative and regulatory developments, in order to understand the implications for the organization and to deliver expert advice and training to the relevant Functions as it relates to the prevention of fraud and other financial misconduct.
• Research and implement best practice awareness and communication channels that will drive the required behaviors to prevent fraud and other activities of misconduct.
• Monitor Fraud alerts on real time basis, respond to customer fraud complaints as per TAT in place and initiate new mechanisms to effectively improve detection rates.

Country-Specific Implementation:

• Target country on-boarding training programmes to ensure that awareness of fraud and other issues of misconduct is provided to new employees.
• Translate and localize relevant policies, frameworks, procedures, standards to suit the specific needs of the country to ensure that all information and material is relevant to the intended audience.
• Build relationships with internal and external stakeholders i.e. BFID, Telcos , KBA  etc for fraud Intelligence and obtain additional information to aid desktop investigations and fraud reviews.

Investigative Support:

• Identify losses and analyse trends affecting the country and facilitate workshops to identify ways to prevent the re-occurrence of fraud, theft and other activities of related misconduct.
• Liaise with forensic investigators and internal stakeholder on suspicious cases that need to be investigated further to mitigate risk and prevent/reduce losses
• Capture all cases/investigations on relevant system accurately with no errors and ensure that no duplicates are being captured. Manage Fraud stop program effectively and accreditation is being done fairly and accurately on all confirmed fraud cases
• Communicate investigations findings/analysis with stakeholders in an accurate, frequent and professional manner regarding investigation support services/outputs/recommendations
• Maintenance of internal & external fraud databases through daily updates and  accurate report keeping.

General Responsibilities:

• Adhere to all relevant internal processes, procedures and legislation and maintaining customer confidentiality at all times in order to determine whether a deceptive act has been committed for financial gain, and if evidence exists for pursuing a criminal case
• Ensuring that frequent engagements with fellow team members in a respectable and effective manner and aligned to the bank values.
• Work effectively with colleagues at all levels and recognize other team members on achievement and communicate it through line manager.
• Attend meetings and contribute to process improvement - Attend meetings with the Management on portfolios and support Detection Manager on the new processes to be implemented, for example recommendations and amendments to current fraud modules.
• Find and implement suitable ways to develop and maintain a culture, in conjunction with the Business within country, that focuses on awareness of fraud, theft, misconduct and dishonesty.
• Perform any other FRM assignment assigned by line Manager.

Qualifications

Minimum Qualifications

• Type of Qualification: First Degree
• Field of Study: Risk Management, Computer Science/Information Technology, Risk Management , Actuarial Science, Criminology and any other relevant Degree. Added advantage for a candidate with Database management and programming knowledge.
• Advanced knowledge in SQL, SAS, R, and Python.
• Exposure to and familiarity with different analytical techniques (Linear and Logistic Regression, Clustering Techniques, Neural Network, Decision Trees, etc.).
• Familiarity with wide array of fraud tools, applications and solutions (FICO, VISA, TSYS Falcon, VRM, CardGuard, Detica, Netguardians etc.)
• Good understanding of CAAT’s (Computer assisted auditing tools) will be an added advantage.
• Proficiency in information technology and relevant Information Security Certification i.e. CISSP, CISA / CISM, ISO/IEC 27001  and CFE will be an added advantage

Experience Required

Group Anti Financial Crime

Compliance

• 5-7 years Specific experience in running fraud awareness programmes across the financial services sector within a corporate or consulting environment. Experience working in a financial crime investigations, risk or compliance environment.

Additional Information

Behavioral Competencies:

• Checking Details
• Convincing People
• Developing Expertise
• Embracing Change
• Establishing Rapport
• Examining Information
• Generating Ideas
• Interacting with People
• Interpreting Data
• Meeting Timescales
• Producing Output
• Upholding Standards

Technical Competencies:

• Content Creation and Management
• Evaluating Risk Management Effectiveness
• Financial Industry Regulatory Framework
• Internal Communication Channels
• Learning Facilitation
• Risk Awareness