ASL International Recruitment Limited 22-24 Seale Street, St Helier, Jersey, JE2 3QG (Registered Office) + 44 (0) 1534 500000 Registered Company GST No 0101275 Registered Jersey No. 95590

Business Risk Manager Hours: Full Time

Contract type: Permanent

Location: Guernsey or Jersey

Overview

The Business Risk Manager is a critical role in ensuring that Skipton International operates an effective internal control framework and manages risks in line with the organisations risk appetite. This is a key leadership role within the Chief Operating Office and will influence others across the business to drive a positive risk culture, and drive initiatives to ensure that risk is viewed as an enabler of achievement of the organisations strategic priorities.

Key Accountabilities • Successfully implement the Risk Management Framework across all areas of the SIL

operation, including the identification, assessment, mitigation and ongoing monitoring of both non financial and financial risks.

• Provide effective oversight and challenge of Risk and Control owners, ensuring that risks are managed within appetite and where reporting outside of appetite, effective pathways are in place to remediate.

• Ensure that issue and action owners are held to account and close items in line with agreed target dates

• Manage the closure of all second and third line actions resulting from review activity. • Be an advocate for the framework and provide support across the first line to develop

risk management capabilities. • Act as Risk Owner (Delegate) for risks owned by the Chief Operating Officer. • Undertake thematic reviews, as required, and ensure that findings are followed up

and business improvements are implemented as a result. • Own the pack and reporting for the Business Risk and Control Committee (monthly). • Prepare papers for the Customer Selection and Exit Management Committee (CSEM). • In conjunction with the MLRO ensure that cases submitted to the CSEM committee are

of the required quality and detail. • Oversee the annual review of Governance effectiveness. • Oversee the effective operation of the Third Party Risk Management Framework,

ensuring that all relationships are managed in line with framework expectations. • Challenge third party relationship managers on the performance of relationships and

remediate any highlighted concerns. • In conjunction with second line colleagues and other functions, coordinate first line

activity for first line reporting. Ensuring data is timely and accurate. • Provide oversight of the regulatory reporting timetable, ensuring that contributors are

sighted in advance of requirements and all expected deadlines are met. Not exhaustive but including FATCA, CRS, and GFSC returns

ASL International Recruitment Limited 22-24 Seale Street, St Helier, Jersey, JE2 3QG (Registered Office) + 44 (0) 1534 500000 Registered Company GST No 0101275 Registered Jersey No. 95590

Requirements

Qualifications

• Educated to degree level

Skills & Knowledge

• Ability to develop and maintain effective working relationships both within the team and the wider business in order to achieve objectives.

• Risk Management

• Risk Management Frameworks

• Regulatory reporting

Experience

• Line Management

• Relevant financial services risk experience

Desirable

Qualifications

• Project management skills/experience

Skills & Knowledge

• Business Continuity Plans

• Third Party Risk Management

Experience

• Financial Services experience

• Customer service experience

Mgr, Lending, Offshore J o b D e s c r i p t i o n

JOB INFORMATION

Job Description Name: Manager, Lending, Offshore

Recommended Position Title: Mgr, Lending, Offshore

Countries applicable to:

Job Code: 60053094

Job Family: Personal and Private Banking

Sub-function: Wealth and Investment

JOB PURPOSE

To provide efficient and relationship-based lending offering and solutions to high net worth clients, in collaboration with the Relationship Managers, and contribute to the service delivery of client centred, coordinated solutions to enable a positive client experience. To grow the debt book by identifying opportunities for additional or more efficient debt structuring for clients in order to contribute to the overall profitability of the business.

Essential Functions

Act as the first line of defence, ensuring quality control and risk management.

Adjudicate contentious issues between the client, the credit division and the relationship manager to encourage solutions that both serve the interests of the client and those of the bank.

Advise clients on the suite of lending products and recommend the most suitable product to meet their specific needs to contribute to a highquality service to Wealth clients.

Conduct a thorough needs analysis to identify customer needs effectively when opening new accounts or giving product advice, in line with Financial Advisory and Intermediary Service Act (FAIS) licence categories.

Encourage the credit division to turnaround applications promptly and in line with service levels agreement in order to contribute to an efficient and positive client experience.

Identify opportunities to increase the debt book by mining existing clients in order to meet individual and team lending targets.

Maintain accurate records in terms of Financial Advisory and Intermediary Services Act as well as the Financial Intelligence Centre Act requirements to ensure that the bank remains compliant.

Originate, fulfil and maintain lending deals for clients, ensuring that the most suitable products to ensure a mutually beneficial relationship between the bank and the client.

Restructure existing customer lending portfolios for efficiencies through debt consolidation in order to have the client’s assets under one roof and therefore, mange it in a seamless and integrated manner.

Review and analyse credit applications received form the relationship manager, make the necessary recommendations and amendments to enable the prompt processing and likely success of the applications to contribute to a positive client experience.

Support the relationship manager to structure effective credit applications ensuring the development of high quality and compelling motivations to enable the successful processing of applications.

Upskill Relationship Managers through imparting credit knowledge and expertise to enable them to sell and structure more lending products.

JOB FUNCTIONS

QUALIFICATIONS

Education

Type of Qualification Field of Study Required/ Preferred

And/Or

First Degree Business Commerce Required

Post Graduate Degree Business Commerce Preferred

Work Experience

Experience

Experience Details Required/ Preferred

5-7 years

General banking experience with exposure to the entire retail and corporate banking value chain and 3 years of exposure to credit. Clear understanding of lending value proposition and delivery strategy as well as thorough knowledge of the code of banking practice.

Required

Total number of years' experience 7 years

Behavioural Competencies - Essential

Behavioural Competency Description

Adopting Practical Approaches Applies practical skills when investigating issues; prefers to learn by doing; is practically minded and applies common sense.

Convincing People Is comfortable having to persuade others; shapes opinions by being outspoken; seeks to negotiate with others

Developing Strategies is focused on developing strategies; thinks in the longer term and anticipates trends; envisages the future and adopts a visionary approach

Documenting Facts Writes fluently when documenting facts; understands arguments logically; focuses on finding facts

Establishing Rapport Builds rapport and puts people at ease; is engaging and welcomes people; finds it easy to make friends

Managing Tasks Manages tasks by being organised and methodical; plans activities systematically; sets priorities for tasks

Producing Output Is focused on activity and works quickly; keeps busy and maintains productivity; is comfortable multi-tasking to produce output

Providing Insights Is focused on continuously improving things; provides insights by identifying key issues; makes intuitive judgements

Seizing Opportunities Identifies business opportunities; creates additional sales for future growth; wants to win and outperform competitors

Showing Composure Stays calm and relaxed during events; is not worried and tolerates stress levels; is composed in dealing with pressure

Understanding People Shows empathy and compassion; attends and listens to people; is attentive and understands the motivation in others

Upholding Standards Behaves ethically and justly; is discreet and maintains confidentiality; meets commitments by acting with integrity

TECHNICAL COMPETENCIES

Competency Group Consumer Banking

Competency

Level

Competency Description

Customer Understanding ( Consumer Banking)

4. Advanced The ability to analyse customer needs by engaging with them, analysing their personal financial objectives as well as their current financial position.

Competency Group Data

Competency

Level

Competency Description

Product and Services Knowledge

3. Seasoned An understanding of the products and services features, benefits and pricing of the products and services on offer to the business across multiple business areas.

Competency Group Lending

Competency

Level

Competency Description

Asset Based Lending 3. Seasoned Knowledge and understanding of the risks and processes associated with lending using movable assets as security for loans.

Debt Consolidation 3. Seasoned Knowledge and application of the requirements for loan restructuring, amendments to terms and conditions and the calculation of new repayment amounts.

Loan Assessment & Approval 3. Seasoned The ability to assess the financial status of a customer or client to determine if they qualify for a loan based on established parameters and criteria.

Mortgage Lending 3. Seasoned Knowledge and understanding of the risks and processes associated with lending using fixed assets as security for long term loans.

People Management:

# Direct Resources Managed # Indirect Resources Managed

Individual Contributor

Managerial Archetype

Financial Responsibility

Sales Revenue Target Responsibility R5 million - R25 million

Budget Responsibility

Amount Notes

R5 million - R25 million Primary Budget Responsibility

SCOPE

Contacts are frequently inter-organizational and outside customer/vendor interactions. Part of a team who represents the organization. Monitors activities and communicates information across the organization

Contact with Others

Contacts Description

Collaborate with the Relationship Managers to deliver a seamless and coordinated service to the client. Develop a strong, mutually beneficial relationship with the Credit, Risk and Compliance teams, in order to ensure adherence to applicable policies, processes, standards and mandates. Support the Relationship Manager in managing the client relationship in the lending domain through engagement with the client to ascertain their situation and their needs. Engage with valuators of assets and law firms for provision of lending services to clients. Ad-hoc engagement with specialists on a project basis.

ASL International Recruitment Limited 22-24 Seale Street, St Helier, Jersey, JE2 3QG (Registered Office) + 44 (0) 1534 500000 Registered Company GST No 0101275 Registered Jersey No. 95590

Chief Information Officer Hours: Full Time

Contract type: Permanent

Location: Guernsey or Jersey

Overview

The Chief Information Officer at Skipton International is responsible for shaping and delivering the organisation’s technology, digital, and data strategies in alignment with business goals. This role drives innovation, operational efficiency, and resilience through leadership in digital transformation, infrastructure management, and cybersecurity. It ensures robust governance, compliance, and risk management while fostering a culture of continuous improvement and customer-centric digital experiences.

Key Accountabilities

• As a member of the Executive Committee, identify organisational priorities and participate in the development and delivery of corporate strategies which drive profitability and ensure a culture focussed on managing conduct and other risks effectively.

• Develop, establish and agree long-term vision and strategy for Technology functions, in alignment with the corporate plan and incorporating industry best practice. Monitor progress and priorities for delivery.

• Develop appropriate performance measures for Technology functions. Ensure that the Board and Executive Committee are provided with relevant and accurate information on the performance and risks facing the functions and the business as a whole.

• Evangelise technology and data within Skipton International, ensure that the wider business has sight of the strategic aims and the rationale behind these.

• Ensure robust 1st line operational risk management takes place in the functions in line with Skipton’s Risk Management framework and Board Risk Appetites

• Provide appropriate input and analysis to business planning to facilitate proper consideration by the Board and Executive Committee

• Provide appropriate reporting and MI on key Technology issues on a regular basis to the Board and Executive Committee.

• Implementation of the decisions of the Board and of the strategy approved by the Board.

ASL International Recruitment Limited 22-24 Seale Street, St Helier, Jersey, JE2 3QG (Registered Office) + 44 (0) 1534 500000 Registered Company GST No 0101275 Registered Jersey No. 95590

• Ensure the development and implementation of policies and procedures which are efficient, cost effective, compliant with legislation and regulatory requirements and which deliver a rewarding customer experience.

• Anticipate operational and regulatory risk for Technology within Skipton and take steps to minimise and reduce it.

• Observe the standards of conduct set out by applicable Regulatory bodies, including maintaining the highest standards of integrity and professionalism in all business and personal dealings.

• Ensure effective business continuity procedures are in place to enable the ongoing provision of services to customers.

• Ensure effective Single Customer View procedures are in place so that in the event of a Resolution situation a reliable record of customers and balances could be provided to the authorities within 24 hours.

• Develop and maintain effective relationships both internally and externally and maintain awareness of relevant best practice and new initiatives.

• Drive continuous IT, system, process and risk mitigation improvements adhering to best practice and aligning with business objectives.

• Maintain an overall control environment that keeps customer data safe and secure.

• Set and implement a robust cyber security strategy and ensure that the environment is maintained.

• Chair the Information Security Sub-Committee.

• Manage and own the relationships and contractual arrangements with existing and future Technology and related partners, ensuring they are held to account and deliver.

Requirements

Qualifications

• Degree-level education or equivalent experience.

Skills & Knowledge

• Strategic thinker with strong stakeholder engagement and influencing skills.

• Proven ability to align IT with business goals and manage complex projects.

• Strong understanding of financial systems, IT governance, cybersecurity, and regulatory compliance.

• Skilled in Agile, product delivery, and interpreting complex data and regulations.

ASL International Recruitment Limited 22-24 Seale Street, St Helier, Jersey, JE2 3QG (Registered Office) + 44 (0) 1534 500000 Registered Company GST No 0101275 Registered Jersey No. 95590

Experience

• 5+ years in senior technology leadership within financial services.

• Track record of delivering digital transformation and managing risk.

• Experience leading teams, managing budgets, and presenting at Board level.

Desirable

Qualifications

• PRINCE2, CISM/CISSP, or equivalent certifications.

• Membership of a relevant professional body.

Skills & Knowledge

• Experience with UX design, AI/ML, cloud, and DevOps.

• Knowledge of T24 and technology in savings and lending sectors.

• Customer-focused with a continuous improvement mindset.

Experience

• Broad financial systems expertise and service delivery management.

• Familiarity with business/process improvement methodologies.

SFT Support Officer

OVERALL PURPOSE

We are seeking a numerate, detail-oriented, and client-focused individual to join Stonehage Fleming Dealing & Treasury Services

(SFT) as a Support Officer. The role will provide all-round platform support related to client assets, account maintenance, compliance,

trading activity, international payments, and external counter-parties.

The ideal candidate will possess a strong understanding of securities and the trading lifecycle, as well as the systems that maintain

client accounts and assets. An exceptional attention to detail, along with the ability to thrive in a fast-paced environment, are pre-

requisites for candidates. This role offers an excellent opportunity to be part of a growing business, providing an exciting opportunity

to contribute to the design and shaping of on-platform and off-platform processes, supported by a state-of-the-art system.

WORKING RELATIONSHIPS

The role reports to the Operations Director, with time predominantly spent with the Support Manager. The role also involves daily

interaction with our Custodian, Transfer Agents, Trading Desks, Investment Management, and Relationship Managers. Whilst not

an external client-facing role, the ability to successfully foster internal relationships is critical to this role. Proactively supporting the

wider SFT Team where needed, and maintaining effective communication across all business lines, are also essential components of

the role.

MAIN RESPONSIBILITIES

 Managing workflow queues and mailboxes

 Allocation all incoming client funds to the relevant accounts, ensuring AML checks have been fully completed

 Effecting payments and ensuring all AML obligations are met, including client withdrawals and investment-related third-parties

 Settlement and booking of client security transfers in and out of SFT, as well as transfers out to relevant parties

 Arranging internal transfers across all SFT client accounts where required

 Booking and invoicing of trades across all asset classes where required, including liaising with external counter-parties

 Setting up of new securities on the platform

 Opening and set up of new client accounts and sub-accounts on the platform, as well as enacting approved account maintenance

requests

 Ensuring that platform-initiated corporate action events are completed and booked as per client instructions

 Providing full support to the various Group Trading Teams related to their trading activity, e.g. settlement and pricing issues,

external brokers, booking of trades

 Fee schedule maintenance, application, as well as assisting with internal queries related to client fee schedules

QUALIFICATIONS AND EXPERIENCE

 3+ years working in similar Middle/Back office roles

 Highly proficient in Microsoft Office Suite, including Excel, Word and Outlook.

 Qualified or seeking to obtain qualifications in IAQ, IMC, CISI or equivalent

 FNX OneX experience would be beneficial

COMPETENCIES, SKILLS AND BEHAVIOURS

 Excellent communication skills, both written and verbal

 A proactive “can-do” attitude, with a willingness to learn

 Strong attention to detail and accuracy, particularly numeracy

 Ability to use initiative and work independently

 Able to multi-task effectively and prioritise accordingly

Manager, Non-Financial Risk J o b D e s c r i p t i o n

JOB INFORMATION Job Description Name: Manager I, Non-Financial Risk Recommended Position Title: Manager, Non-Financial Risk Countries applicable to: Job Code: 60051267 Job Family: Risk & Corporate Affairs Sub-function: Operational Risk Management

JOB PURPOSE To provide strong execution and operational drive to implement Non-Financial Risk (NFR) management processes and systems as a key enabler to achieving the business objectives of the organisation across the Business and Commercial (BCC) business units and/or Consumer High Nett Worth (CHNW) business units.

JOB FUNCTIONS

Essential Functions

Act as an interface for NFR in driving fraud risk management and liaising with NFR teams on information risk threats and controls in business strategy for all business units across all segments and channels. Build and maintain credible relationships with internal and external stakeholders, including management, internal audit as well as peers in local and international banks where applicable. Complete the Risk and Control Self-Assessment (RCSA) for applicable business areas by considering all 16 NFR Risk types and capture onto the NFR management system. Conduct continuous analysis of business impact and contribute to the formal process of driving risk acceptance for residual risk for items where the residual risk is too high, prepare recommendations to decline the requested change, and escalate to senior management for consideration. Contribute to the development and instilment of a risk and control culture, within the functional areas, through participating in knowledge sharing initiatives and awareness campaigns on the importance of risk management. Contribute to the implementation of the RCC process by ensuring effective risk focus and dialogue, reports and escalations that are based on factual data relating to framework and actions that drive clear accountability and ownership. Contribute to the management of NFRs by identifying inadequacy of, or failure in internal processes, people and/or systems or from external events across complex operating structures with significant overlaps of the 16 risk types under the umbrella of Operational Risk. Contribute to the monitoring of the actual losses vs. the risk appetite and include the necessary recommendations to minimize financial impact. Deliver value-adding risk assessments and advice to the business are that are properly quantified and mitigated/managed within agreed risk appetite. Determine high risk and/or high impact projects/programs/initiatives within the line of business by using the applicable risk assessment tools. Execute data-led Non-Financial Risk (NFR) decisions and interventions in the lines of business. Execute proactive actions around the management of prevailing, emerging and top Non-Financial Risk (NFR) exposures with urgency. Facilitate awareness and oversight of the LAM policy and address significant information risk and management. Give guidance and provide insight to process, product and policy owners on improvements required prior to the implementation of control measures by seeking input from Group Financial Crime Control and the Group Information Risk Office as subject matter experts.

Essential Functions

Implement the application of Payment Card Industry Data and Security Standards (PCI DSS) by following principles and associated criteria to determine the status of business units to prevent, mitigate or escalate risks where required. Maintain relevance of the NFR framework by evaluating the effectiveness thereof and recommending amendments in line with emerging risks and threats. Monitor and measure the desired Non-Financial Risk (NFR) culture across the 3 lines of defence through proper metrics and incentives. Provide guidance and support to business stakeholders by training on and embedding risk policies so that they can perform information risk related activities or functions and implement policy requirements effectively. Provide guidance to business in regards with Information risk by identifying key information assets, risk events, causes and assist with the risk treatment to ensure that all significant information risk and control weaknesses are mitigated and is materially reported. Provide oversight and guidance to the business stakeholders during the third-party life cycle by monitoring the overall third-party process to make sure it complies with the Third-Party Risk Management (TPRM) Framework. Report critical, material third-party engagements, challenges, or trends to the TPRM team as well as relevant risk governance forums such as Risk Control Committees (RCC) and determine the level of assurance required related to the third-party engagement by consulting with risk type owners, where required. Stay abreast of all regulatory and compliance changes through sufficient engagements and collaborations with key stakeholders (IT Security, Data Governance, Logical Access Management (LAM), Payment Card Industry (PCI) Compliance and Data Privacy. Support the development and improvement of delivering the NFR management framework and execution by providing key insights on the factors that influence the NFR tools and profiles including variables such as economic, socio-political, competitor, customer profile, and external and internal risks and incidents that could impact the business. Support the embedment of the NFR framework throughout the business areas by regularly engaging with all levels of leadership and management to help them understand the benefits of looking at their worlds through a risk management lens incorporating all 16 risk types. Support the implementation of the NFR framework to enable the proactive identification, assessment, measurement, management, monitoring and reporting of model risk.

QUALIFICATIONS

Education

Type of Qualification Field of Study Required/ Preferred And/Or

Advanced Diploma Business Commerce Required Advanced Diploma Risk Management Required First Degree Business Commerce Preferred First Degree Risk Management Preferred

Work Experience

Experience Experience Details Required/ Preferred

3-4 years Practical knowledge of risk and control frameworks and application in financial services industry. Be fully conversant in risk appetite, risk response and process improvement concepts. Understand both NFR and financial reporting risk characteristics.

Required

3-4 years Practical knowledge of risk, control frameworks & applications in financial services industry. Fully conversant in risk appetite, risk response & process improvement concepts. Understand both non-financial risk and financial reporting risk characteristics.

Required

Total number of years' experience 5 years

Behavioural Competencies - Essential

Behavioural Competency Description

Articulating Information Is articulate in giving presentations; is eloquent and explains things well; projects social confidence when articulating information

Challenging Ideas Prepared to disagree and question assumptions; challenges ideas and established views; comfortable arguing own perspective

Convincing People Is comfortable having to persuade others; shapes opinions by being outspoken; seeks to negotiate with others

Embracing Change Copes with change and variety; tolerates uncertainty and ambiguity; adapts to new challenges

Examining Information Analyses and processes information; asks probing questions; strives to find solutions to problems

Exploring Possibilities Is conceptual when developing ideas; applies theories to problem solving; prefers to learn by thinking and identifying underlying principles

Generating Ideas Is creative in producing ideas; assumes an original approach when generating ideas; adopts radical solutions

Interpreting Data Interprets data rationally by quantifying issues; applies technology as a means to evaluating data; evaluates information objectively.

Making Decisions Is determined and decides on actions; willingly assumes responsibility; is definitive and stands by own decisions

Providing Insights Is focused on continuously improving things; provides insights by identifying key issues; makes intuitive judgements

Resolving Conflict Is comfortable calming upset people; handles angry individuals well; is focused on resolving conflict and arguments

Upholding Standards Behaves ethically and justly; is discreet and maintains confidentiality; meets commitments by acting with integrity

TECHNICAL COMPETENCIES Competency Group Governance - Risk - Compliance

Competency Level Competency Description

Analysing Insurable Risk 2. Proficient The ability to facilitate risk assessment to gain an understanding of risk impacts, thus developing the profile of insurable risks.

Economic Capital Management 2. Proficient Understands the capital implications of the stated risk appetite, individual risk exposures, portfolio risk exposures, and determines capital requirements on a risk adjusted basis.

Evaluating Risk Management Effectiveness

2. Proficient The ability to determine if risk management and control measures are achieving the desired results and mitigating risks at the expected level.

Risk Identification 3. Seasoned The examination of the essential elements of risk such as; assets, threats, vulnerabilities, safeguards, consequences and the likelihood of the threats materialising.

Risk Measurement 3. Seasoned The ability to define and analyse risk identification information in a quantitative and/ or qualitative way.

Risk Reporting 3. Seasoned The ability to prepare quantitative and qualitative analysis on the risk landscape in the business including interpretation and analysis for use by business users.

Risk Response Strategy 3. Seasoned The ability to facilitate the creation and adoption of an appropriate risk response strategy and to assign ownership for the risk response.

Risk/ Reward Thinking 3. Seasoned The ability to provide due consideration to risks, rewards and the cost of control measures in evaluating business opportunities, process and system changes.

Competency Level Competency Description

Competency Level Competency Description

SCOPE

People Management:

# Direct Resources Managed # Indirect Resources Managed

Individual Contributor

Managerial Archetype

Financial Responsibility

Controllable Expenses (e.g., payroll and other budgeted items

R500 000 - R2,5 million

Budget Responsibility

Amount Notes

R500 000 - R2,5 million Shared Responsibility

Contact with Others

Contacts Description Provide direction and guidance to the functional areas regarding the ongoing management of NFR and operational risks for example Internal Audit and Compliance. May need to engage with consultants such as auditors when external reviews are undertaken.

Consultant, Third Party Risk J o b D e s c r i p t i o n

JOB INFORMATION Job Description Name: Consultant, Third Party Risk Recommended Position Title: Consultant, Third Party Risk Countries applicable to: Group Job Code: 60054834 Job Family: Risk & Corporate Affairs Sub-function: Operational Risk Management

JOB PURPOSE Actively contribute to the development and implementation of Non-Financial Risk policies and frameworks to ensure the Standard Bank Group meets its regulatory obligations and identify, assess, and manage risks in order to minimises the likelihood of an adverse event impacting the organisation. Perform data analyses, data collection systems and other strategies to optimise statistical efficiency and quality on the Third-Party Risk Management system to enable effective decision-making.

JOB FUNCTIONS

Essential Functions

Develop and implement databases, data collection systems, data analytics and other strategies that optimise statistical efficiency and quality on the TPRM system for the Third-Party Risk Management (TPRM) Function. Perform various tasks and activities as a member of the TPRM Function in order to identify the types of events that could compromise the achievement of the SBG’s objectives, assessing the appetite for risk, putting in place measures to mitigate the risks that are deemed unacceptable. Identify, analyse, and interpret trends or patterns in complex data sets on the TPRM system in order to prepare reports for various forums and committees. Filter and clean data by reviewing reports and performance indicators to identify and report data concerns on the Groups TPRM solutions. Drive the Data Migration process of the TPRM system to the latest version to ensure alignment to best practices and enhance data quality. Continuously improve and maintain the data on the TPRM system to ensure the data is kept up-to-date and relevant for reporting purposes. Actively contribute to the facilitation and identification, evaluation, treatment, monitoring and reporting of non-financial risk events and incidents across all Segments and countries. Analyse complex data elements and systems, data flow, dependencies, and relationships in order to contribute to conceptual physical and logical data models on the ARAVO system. Provide guidance and technical support to Third parties and TPRM stakeholders on the TPRM end to end process. Continuously track issues on the TPRM system to ensure the data is kept up-to-date. Continuously escalate issues for remediation identified through data and trend analyses. Assist with internal audit activities, and provide support with remediation activities to contribute to clean audits. Highlight and communicate data quality issues identified during the data analysis process with the TPRM team. Follow up on outstanding tasks with business not yet completed on the TPRM workflow. Track and monitor on what has been completed to ensure accurate reporting. Act as the subject matter expert on the TPRM system in order to respond to Group TPRM users that have system and or TPRM process queries. Act as the Ask Risk Market Place custodian for the Third-Party Risk Management Function and respond to specific questions and actions.

Essential Functions

Perform various admin tasks as it relates to the TPRM Forum to ensure an effective and operational forum meeting. Facilitate the other non-financial risk activities and present risk/control topics in front of various stakeholders, including the Third- Party Risk Committee as and when required. Respond to TPRM queries from third party and internal stakeholders within the service level agreement timelines to ensure excellent customer service. Assume accountability to log all TPRM questions on NALA to ensure the system and questions are kept up to date and relevant.

QUALIFICATIONS

Education

Type of Qualification Field of Study Required/ Preferred And/Or

Diploma Risk Management Required and First Degree Risk Management Preferred

Work Experience

Experience Experience Details Required/ Preferred

3-4 years 3 Years’ experience working in the financial sector or supporting audit and assurance functions. Familiarity in operating in a highly regulated environment. Sound understanding of Non-Financial Risk principles.

Required

Total number of years' experience 5 years

Knowledge, Skills and Abilities

KSAs Proficiency

Excellent verbal and written communication and interpersonal skills with the ability to build and maintain relationships with internal and external stakeholders.

High

A high degree of self-motivation, independence, and the ability to work with minimal supervision to meet deadlines. High Ability to work effectively in a team environment. High Strong analytical and problem solving skills. High Intermediate to advanced Microsoft Office skills with a strong emphasis towards creation of macros in Excel High

Licences and Certifications

Licences/Certifications Licences/Certification Details Required/ Preferred

Certified Risk Management Professional (RIMS-CRMP)

Risk Management certification would be required. Required

Behavioural Competencies - Essential

Behavioural Competency Description

Checking Things Is meticulous in finding errors; ensures accuracy by being thorough and checking details; produces high quality work by being detailed.

Upholding Standards Behaves ethically and justly; is discreet and maintains confidentiality; meets commitments by acting with integrity

Behavioural Competencies - Essential

Behavioural Competency Description

Adopting Practical Approaches Applies practical skills when investigating issues; prefers to learn by doing; is practically minded and applies common sense.

Showing Composure Stays calm and relaxed during events; is not worried and tolerates stress levels; is composed in dealing with pressure

Articulating Information Is articulate in giving presentations; is eloquent and explains things well; projects social confidence when articulating information

Challenging Ideas Prepared to disagree and question assumptions; challenges ideas and established views; comfortable arguing own perspective

Convincing People Is comfortable having to persuade others; shapes opinions by being outspoken; seeks to negotiate with others

Documenting Facts Writes fluently when documenting facts; understands arguments logically; focuses on finding facts

Establishing Rapport Builds rapport and puts people at ease; is engaging and welcomes people; finds it easy to make friends

Interpreting Data Interprets data rationally by quantifying issues; applies technology as a means to evaluating data; evaluates information objectively.

Managing Tasks Manages tasks by being organised and methodical; plans activities systematically; sets priorities for tasks

Producing Output Is focused on activity and works quickly; keeps busy and maintains productivity; is comfortable multi-tasking to produce output

TECHNICAL COMPETENCIES Competency Group Information Technology

Competency Level Competency Description

Agile Principles 4. Advanced Knowledge of Agile principles including scaling, scrum of scrums, multiple teams and DEVOPS

Big Data Frameworks and Tools 3. Seasoned Ability to manipulate and structure amounts of datasets that are so enormous, customary data preparing software can't oversee them.

Data Analysis 4. Advanced The ability to analyse statistics and other data, interpret and evaluate results, and create reports and presentations for use by others.

Competency Group Governance - Risk - Compliance

Competency Level Competency Description

Evaluating Risk Management Effectiveness

3. Seasoned The ability to determine if risk management and control measures are achieving the desired results and mitigating risks at the expected level.

Risk Awareness 3. Seasoned General awareness of risk management practices in a financial services organisation.

Risk Identification 3. Seasoned The examination of the essential elements of risk such as; assets, threats, vulnerabilities, safeguards, consequences and the likelihood of the threats materialising.

Risk Management 3. Seasoned Demonstrates knowledge and understanding of risk management methodologies, tools, governance structures and regulatory requirements for good management of risk.

Risk Measurement 3. Seasoned The ability to define and analyse risk identification information in a quantitative and/ or qualitative way.

Risk Reporting 3. Seasoned The ability to prepare quantitative and qualitative analysis on the risk landscape in the business including interpretation and analysis for use by business users.

Competency Level Competency Description

Risk/ Reward Thinking 3. Seasoned The ability to provide due consideration to risks, rewards and the cost of control measures in evaluating business opportunities, process and system changes.

Competency Group Data

Competency Level Competency Description

Data Quality 3. Seasoned The ability to implement operational techniques and activities that are used to fulfil requirements for data quality including: improvement, control, management or assurance of data quality.

Data Compliance 3. Seasoned The ability to interpret regulations, laws and business requirements that apply to data and to provide information to business on how to comply.

SCOPE

People Management:

# Direct Resources Managed # Indirect Resources Managed

Individual Contributor

Managerial Archetype

Contact with Others

Contacts are primarily within the department or function with occasional cross-functional interfaces. Some limited external customer contact on routine matters.

Contacts Description Engage with internal stakeholders within the Risk Management Function but also business stakeholders across the different Segments and Africa Regions countries as it relates to Third-Party Risk Management. Respond to queries on the ARAVO system.

SM, AML_CFT Governance and Oversight

J o b D e s c r i p t i o n

JOB INFORMATION Job Description Name: Specialist, AML and CFT Governance and Oversight Recommended Position Title: SM, AML_CFT Governance and Oversight Countries applicable to: Job Code: 60050111 Job Family: Compliance Sub-function: Group Anti Financial Crime

JOB PURPOSE To lead the Group Financial Crime Compliance, Anti-Money Laundering (AML) Regulatory Risk and Advisory area - enabling the smooth adoption of new compliance regulations across the Group's South African Operations whilst assisting the Chief Financial Crime Compliance Officer (CFCCO) by ensuring the Board of Directors and SBG SA Operations are updated regularly with regards to required changes in AML and Combating the Financing of Terrorism (CFT) compliance.

JOB FUNCTIONS

Essential Functions

Analyse and interpret country legislation, in response to in-country queries relating to inability to comply, in order to confirm compliance risks to SBG and correct where applicable. In instances where Board resolution is required, provide necessary legislative guidance and refer accordingly to ensure that appropriate action can be taken at the correct level. Circulate Group AML and CFT policy and provide general legal advisory support across Africa Regions, in order to ensure that country offices are aware of relevant legislative requirements and are able to interpret and comply with those requirements. Create SBG SA Operations-level AML/CFT principle-based awareness, guidance and communication by developing and delivering train-the-trainer AML/CFT content and material within GFCC. Develop and interpret reports on RMCP breaches or risks identified as a result of monitoring/conformation testing and escalate non-compliance or other appropriate matters to CFCCO in order to enable decision making. Develop, maintain and rollout relevant and appropriate (tailored per jurisdiction where required) awareness initiatives and training material, to enable the successful rollout and embedding of the AML/CFT framework across all the jurisdictions. Drive the implementation of the RMCP and monitor adherence in order to contribute to the assurance that the entire Group, across all the jurisdictions, is conducting business in a compliant manner to avoid operational losses, fines, penalties or reputational damage. Enable accurate and timely compliance reporting by draft relevant governance documentation for submission to the regulators, the supervisory body and all other industry bodies to meet regulatory obligations. Interpret the unique country legislation and perform legal verifications by analysing SBGs policy vs the legislation in country to ensure that SBG, in the relevant jurisdiction, can and is conducting business in a compliant manner. Make key contributions towards the maintenance of the SBG AML/CFT Risk Management and Compliance Programme (RMCP) by conducting research and analysis and staying abreast of new or amended legislation in order to align local AML/CFT requirements and international best practice, as applicable. Participate in the development and maintenance of the AML/CFT control framework for SBG in collaboration with GFCC in order to assist SBG in mitigating any compliance-related risks. Regularly engage with SBG Operations stakeholders in order to provide subject matter expertise, input and guidance on AML/CFT controls in respect of minimum standards, strategies, projects, plans, initiatives, reporting and other relevant activities. Stay abreast of key regulatory updates in order to enable the CFCCO to meet the FIC Act section 42 obligations to SBG SA Operations and to promote AML/CFT risk management.

QUALIFICATIONS

Education

Type of Qualification Field of Study Required/ Preferred And/Or

First Degree Business Commerce Required First Degree Finance and Accounting Required First Degree Legal Required Post Graduate Diploma Corporate Governance Preferred

Work Experience

Experience Experience Details Required/ Preferred

8-10 years

Extensive experience in AML/CFT policy drafting and monitoring experience with experience in an AML/CFT advisory role. Good working knowledge of financial sector environment and procedures. In depth knowledge and understanding of the legislative and regulatory requirements as it relates to financial institutions as well as internal compliance related policies and procedures.

Required

Total number of years' experience 8 years

Behavioural Competencies - Essential

Behavioural Competency Description

Articulating Information Is articulate in giving presentations; is eloquent and explains things well; projects social confidence when articulating information

Challenging Ideas Prepared to disagree and question assumptions; challenges ideas and established views; comfortable arguing own perspective

Checking Things Is meticulous in finding errors; ensures accuracy by being thorough and checking details; produces high quality work by being detailed.

Documenting Facts Writes fluently when documenting facts; understands arguments logically; focuses on finding facts

Establishing Rapport Builds rapport and puts people at ease; is engaging and welcomes people; finds it easy to make friends

Generating Ideas Is creative in producing ideas; assumes an original approach when generating ideas; adopts radical solutions

Interacting with People Is lively and projects enthusiasm; is talkative in making contact; is focused on interacting and networking with people

Making Decisions Is determined and decides on actions; willingly assumes responsibility; is definitive and stands by own decisions

Meeting Timescales Is target focused and meets deadlines; is punctual and keeps to schedule; is reliable in finishing tasks

Providing Insights Is focused on continuously improving things; provides insights by identifying key issues; makes intuitive judgements

Taking Action Takes action to make things happen; uses initiative to start things up; shows drive and invests personal energy

Upholding Standards Behaves ethically and justly; is discreet and maintains confidentiality; meets commitments by acting with integrity

TECHNICAL COMPETENCIES Competency Group Governance - Risk - Compliance

Competency Level Competency Description

Compliance 3. Seasoned The ability to interpret regulations and laws that apply to the business and to provide information to business on how to comply.

Competency Group Legal

Competency Level Competency Description

Legal Compliance 3. Seasoned The ability to comply with relevant legislation, regulatory and professional standards.

Legal Knowledge 3. Seasoned Knowledge of applicable legislation and the legal policies and procedures pertaining to the local, regional and relevant international laws.

Competency Group Quality Management

Competency Level Competency Description

Quality Orientation 3. Seasoned The ability to promote and maintain high standards of quality at work.

Competency Group Strategy and Planning

Competency Level Competency Description

Policy Development 3. Seasoned Understanding and application of the discipline of policy analysis, definition, writing and implementation.

SCOPE

People Management:

# Direct Resources Managed # Indirect Resources Managed

Individual Contributor

Managerial Archetype

Contact with Others

Contacts Description Provide principle-based guidance, reporting, support and advice to senior stakeholders within Group Compliance. Ensure necessary compliance reporting and actions on behalf of CFCCO for the SBG SA Operations and effectively engages with regulatory bodies.

JOB FUNCTIONS

QUALIFICATIONS

Senior Officer, Business Risk Control

J o b D e s c r i p t i o n

JOB INFORMATION

Job Description Name: Senior Officer, Business Risk Control, SBO

Recommended Position Title: Senior Officer, Business Risk Control

Countries applicable to: Isle of Man; Jersey

Job Code: 60054427

Job Family: Offshore

Sub-function: Business Risk Management/ Control & Onboarding

JOB PURPOSE

To monitor and review all new account applications across Standard Bank Offshore business units, ensuring that new accounts are reviewed within pre-agreed time scales, sign off of 'standard and medium risk' rated accounts ensuring that these are in line with regulatory, internal and group requirements, contributing to a positive overall client experience.

Essential Functions

Provide quality assurance and independent oversight on key processes or controls and test process adherence through sample checking key processes, outputs and transactions

Conduct investigations, data gathering, analysis and in-depth reporting on key risks and issues across all Standard Bank Offshore business areas in order to identify root cause and ensure remedial actions are established to mitigate risks.

Escalate all high-risk, and significant issues to the line manager to ensure these matters are dealt with timeously and as per the standards set out it in the relevant functional framework.

Identify, measure, prioritise and respond to all types of risk in the business, and then manage any exposure accordingly.

Review files and information on potential new clients of all risk ratings, identifying deficiencies and following up on all queries to resolution and ensure that new business reviews are conducted in line with the 'client take on and maintenance manual'.

Validate source of funds/ wealth in line with Compliance and regulatory guidelines, and ensure that relevant business approval is obtained prior to account opening.

Build, develop and maintain relationships with the key internal and external stakeholders relevant to the Business Risk Management environment across Standard Bank Offshore.

Participate in relevant training for the requirements of the role, including legislative and regulatory amendments and any changes to the relevant functional framework, to ensure all analyses is aligned accordingly.

Remain proficient and knowledgeable of best practice and future developments in the specialist field of Business Risk Management in order to provide proactive recommendations on risk control enhancements across the SBO environment.

Continuously maintain an understanding of all policies, processes, procedures and systems and review said to ensure all analyses is aligned accordingly.

Contribute to the provision, input and support to the manager and team to ensure high quality reporting and assurance to the relevant Boards, Executive Management, Audit Committees, the Regulator and other relevant forums.

Gather all sufficient and appropriate information from all available sources to ensure thorough analytics can be conducted in order to enable effective and proactive risk-based decision making.

Education

Type of Qualification Field of Study Required/ Preferred

And/Or

Diploma Risk Management / AML / Financial Crime or similar field of study Required or

Work Experience

Experience

Experience Details Required/ Preferred

3-4 years Experience in risk, governance, on-boarding and/ or compliance management in the financial services industry with a thorough understanding of relevant regulatory requirements and operational risk matters.

Required and

Total number of years' experience 4 years

Behavioural Competencies - Essential

Behavioural Competency Description

Checking Things Is meticulous in finding errors; ensures accuracy by being thorough and checking details; produces high quality work by being detailed.

Developing Expertise Is open to taking up learning opportunities; is quick in acquiring knowledge and skills; develops expertise by updating specialist knowledge.

Upholding Standards Behaves ethically and justly; is discreet and maintains confidentiality; meets commitments by acting with integrity

Team Working Works participatively with others; is democratic and encourages team contributions; collaboratively involves others in decision- making

Interacting with People Is lively and projects enthusiasm; is talkative in making contact; is focused on interacting and networking with people

Exploring Possibilities Is conceptual when developing ideas; applies theories to problem solving; prefers to learn by thinking and identifying underlying principles

Making Decisions Is determined and decides on actions; willingly assumes responsibility; is definitive and stands by own decisions

Documenting Facts Writes fluently when documenting facts; understands arguments logically; focuses on finding facts

Convincing People Is comfortable having to persuade others; shapes opinions by being outspoken; seeks to negotiate with others

Following Procedures Conforms and adheres to rules; closely follows instructions and procedures; minimises risks by sticking to processes

Managing Tasks Manages tasks by being organised and methodical; plans activities systematically; sets priorities for tasks

Examining Information Analyses and processes information; asks probing questions; strives to find solutions to problems

TECHNICAL COMPETENCIES

Competency Group Audit

Competency

Level

Competency Description

Evaluation of Internal Controls 2. Proficient The ability to analyse process controls for effectiveness from a design and implementation perspective.

Promote Good Governance, Risk & Control

2. Proficient The ability to assess governance and control frameworks against the appropriate risk appetite and enhance the risk management culture in line with the organisational objectives.

SCOPE

Contacts are primarily within the department or function with occasional cross-functional interfaces. Some limited external customer contact on routine matters.

Contact with Others

Competency Group Business Process Modelling

Competency

Level

Competency Description

Process Governance 2. Proficient The ability to create mechanisms to ensure that designed processes are implemented correctly and that process changes are made thoughtfully, taking into consideration the impacts on people, other processes and technology.

Competency Group Governance - Risk - Compliance

Competency

Level

Competency Description

Evaluating Risk Management Effectiveness

2. Proficient The ability to determine if risk management and control measures are achieving the desired results and mitigating risks at the expected level.

Risk Awareness 2. Proficient General awareness of risk management practices in a financial services organisation.

Risk Identification 2. Proficient The examination of the essential elements of risk such as; assets, threats, vulnerabilities, safeguards, consequences and the likelihood of the threats materialising.

Risk Management 2. Proficient Demonstrates knowledge and understanding of risk management methodologies, tools, governance structures and regulatory requirements for good management of risk.

Risk Reporting 2. Proficient The ability to prepare quantitative and qualitative analysis on the risk landscape in the business including interpretation and analysis for use by business users.

Competency Group Quality Management

Competency

Level

Competency Description

Quality Control 2. Proficient The ability to implement operational techniques and activities that are used to fulfil requirements for quality including: improvement, control, management or assurance of quality.

People Management:

# Direct Resources Managed # Indirect Resources Managed

Managerial Archetype

Contacts Description Engage with internal stakeholders across business areas within the Standard Bank Offshore environment to effectively implement business risk management and quality assurance requirements and therefore drive a a culture of quality and control.

Chief Risk Officer, Offshore J o b D e s c r i p t i o n

JOB INFORMATION Job Description Name: Chief Risk Officer, Offshore Recommended Position Title: Chief Risk Officer, Offshore Countries applicable to: Isle of Man; Jersey Job Code: 60056182 Job Family: Risk & Corporate Affairs Sub-function: Chief Risk Officer

JOB PURPOSE To lead, manage and deliver an integrated and independent Risk Management Function within the legal entities. Ensure that all risk types are managed, the operating model has been implemented and balancing the interests of clients and other stakeholders, while protecting the safety and soundness of the entity, while ensuring the ethical standards are adhered to and maintained within the legal entities.

JOB FUNCTIONS

Essential Functions

Ensure the implementation of the Risk Management Framework (including the risk culture) in the legal entities to ensure all relevant risk types, including emerging risks, are identified, assessed and measured, managed and reported to the country leadership team, as well as appropriate Risk and Board oversight committees. Adopt a Combined Assurance approach in line with the Group Risk Assurance Operating Standard. Embed the use of stress testing results to benefit risk management and decision-making at various levels in the organisation. Lead and drive the adoption of risk management policies and procedures, meeting the requirements of the legal entities and aligned to those of the SBG. Provide assurance to the local and Group and Business Unit that relevant policies, standards and frameworks are appropriately adhered to. Implement the operating model capabilities, policies, processes, standards, regulations, core technologies / digital platforms, functional structures, supporting standard job descriptions and skill requirements for the legal entities. Ensure that services delivered are fit for purpose for the legal entities. Monitor adherence to minimum standards for Risk Management to ensure compliance with statutory and regulatory laws within the legal entities. Comply with the regulatory reporting and risk disclosure requirements to maintain compliance with group and local regulatory authorities. Coordinate Business Units in informing the Board about the risk appetite setting process and manage risk appetite, as mandated by the Board. Validate any remediation plans proposed by BUs/SMEs to address flagged risk breaches. Develop and implement the Risk Management People plan aligned to Risk objectives within the legal entities with support from the People and Culture Function. Identify current and future employee skill requirements in consultation with People and Culture Function and drive the development of people within the legal entities Lead the Risk Mnanagement Function i line with employee engagement principles, including employee lifecycle from recruitment through to exit, performance management, learning and development, employee relations, retention and reward and people administration, to ensure a high performance culture. Display personal, team, organisational and bold leadership skills. Create confidence that enables leaders to make decisions, take calculated risks and push boundaries, without compromising the enterprise's reputation and integrity. Drive a risk culture of transparency, accountability and consistency within the legal entities to support responsible decision- making, upholding of the highest levels of integrity and meeting regulatory and reputational requirements. Manage and cost control the total cost of the risk function. Ensure that the cost allocation of risk costs by business unit or services from group are understood and managed. Drive cost management and budgetary adherence, including the development and management of the operational budget and unit cost management to control cost within budget. Ensure cost allocation of resources and services are managed

Essential Functions

Drive the adoption of technology within the Risk Management Function to ensure the use of the appropriate technology and correct behavioural principles for use of technology within the Risk Management Function. Monitor adherence to relevant technology policies and standards and Group Architecture. Enable capital and functional cost improvements, improved risk, controls and compliance, data access, quality and integrity, governance driven predictability, accelerating change readiness and business agility within a Country including the automation of controls Engage proactively with stakeholders and the environment at large to understand and manage risks within the legal entities. Lead and control risk management for the legal entities to ensure the enterprise is prepared to withstand the test of any current and future risks by influencing the relevant stakeholders. Board reporting, including agenda items, of all risks to be aligned to the group standard for reporting. Monitor and report all matters relating to risk management to the Standard Bank Group, Legal Entity Exco/Board and the Chief Risk Officer, Africa Regions . Guide the leadership of the legal entities, relevant Board and Committee's in terms of risk management and approach to ensure the Legal Entity retains its licence to operate. Manage the risk consequences of decisions made on behalf of the Legal Entity Provide guidance and advice in managing various types of risks, complex problems and key opportunities that have been identified within the legal entities.

QUALIFICATIONS

Education

Type of Qualification Field of Study Required/ Preferred And/Or

First Degree Business Commerce, Generic Management, Banking, Risk Management

Required

Post Graduate Degree Business Commerce, Generic Management, Banking, Risk Management

Preferred

Masters Degree Risk Management Preferred

Work Experience

Experience Experience Details Required/ Preferred

More than 10 years

This role requires a leader seasoned and expert in Risk Management with profound knowledge in the full dimensions of the field. Regulatory environment savvy, a proven track record in large scale and high-level leadership and capable of influencing seasoned leaders in their own right as well as employees. As an influential leader has the capacity to navigate through the landscape of relevant decision makers in industry.

Required

Total number of years' experience 13 years

Behavioural Competencies - Essential

Behavioural Competency Description

Challenging Ideas Prepared to disagree and question assumptions; challenges ideas and established views; comfortable arguing own perspective

Convincing People Is comfortable having to persuade others; shapes opinions by being outspoken; seeks to negotiate with others

Developing Expertise Is open to taking up learning opportunities; is quick in acquiring knowledge and skills; develops expertise by updating specialist knowledge.

Developing Strategies is focused on developing strategies; thinks in the longer term and anticipates trends; envisages the future and adopts a visionary approach

Behavioural Competencies - Essential

Behavioural Competency Description

Directing People Is comfortable leading people; coordinates and directs groups; seeks to control things

Embracing Change Copes with change and variety; tolerates uncertainty and ambiguity; adapts to new challenges

Empowering Individuals Motivates individuals by empowering them; seeks to inspire people and groups; gives encouragement to others

Exploring Possibilities Is conceptual when developing ideas; applies theories to problem solving; prefers to learn by thinking and identifying underlying principles

Making Decisions Is determined and decides on actions; willingly assumes responsibility; is definitive and stands by own decisions

Providing Insights Is focused on continuously improving things; provides insights by identifying key issues; makes intuitive judgements

Upholding Standards Behaves ethically and justly; is discreet and maintains confidentiality; meets commitments by acting with integrity

Valuing Individuals Shows consideration towards others; tolerates the differences in people; values and trusts people

TECHNICAL COMPETENCIES Competency Group Audit

Competency Level Competency Description

Evaluation of Internal Controls 5. Expert The ability to analyse process controls for effectiveness from a design and implementation perspective.

Promote Good Governance, Risk & Control

5. Expert The ability to assess governance and control frameworks against the appropriate risk appetite and enhance the risk management culture in line with the organisational objectives.

Competency Group Financial

Competency Level Competency Description

Financial Acumen 4. Advanced Knowledge and understanding of costing, budgeting and finance concepts and the understanding and application of related processes and procedures.

Competency Group Governance - Risk - Compliance

Competency Level Competency Description

Evaluating Risk Management Effectiveness

4. Advanced The ability to determine if risk management and control measures are achieving the desired results and mitigating risks at the expected level.

Fraud Detection and Management

3. Seasoned The ability to apply risk management tools, assess, process and identify possible fraud within a defined system or core process.

Information Security Management

3. Seasoned The ability to assess and mitigate the risks associated with the storage and retrieval of electronic information.

Competency Level Competency Description

Risk Acceptance 4. Advanced The ability to facilitate a formal acceptance process of reviewing and accepting residual risk, depending on the outcomes of risk identification and measurement.

Risk Awareness 4. Advanced General awareness of risk management practices in a financial services organisation.

Risk Identification 4. Advanced The examination of the essential elements of risk such as; assets, threats, vulnerabilities, safeguards, consequences and the likelihood of the threats materialising.

Risk Management 4. Advanced Demonstrates knowledge and understanding of risk management methodologies, tools, governance structures and regulatory requirements for good management of risk.

Risk Measurement 4. Advanced The ability to define and analyse risk identification information in a quantitative and/ or qualitative way.

Risk Reporting 4. Advanced The ability to prepare quantitative and qualitative analysis on the risk landscape in the business including interpretation and analysis for use by business users.

Risk Response Strategy 4. Advanced The ability to facilitate the creation and adoption of an appropriate risk response strategy and to assign ownership for the risk response.

Risk/ Reward Thinking 4. Advanced The ability to provide due consideration to risks, rewards and the cost of control measures in evaluating business opportunities, process and system changes.

Competency Group Legal

Competency Group Quality Management

Competency Level Competency Description

Quality Orientation 5. Expert The ability to promote and maintain high standards of quality at work.

SCOPE

People Management:

# Direct Resources Managed # Indirect Resources Managed

This position manages/supervises people 4-10 11-50

Managerial Archetype

Financial Responsibility

Controllable Expenses (e.g., payroll and other budgeted items

R50 million - R250 million

Budget Responsibility

Amount Notes

R50 million - R250 million Primary Budget Responsibility R96m to R154m

Contact with Others

Represents the organization as the primary contact. Interacts with management and senior value-chain partners on matters requiring coordination across organizational lines. Achievement of objectives requires ability to influence others both internally and potentially externally.

Contacts Description Senior Executives across the respective Business Lines and CFs within a country, Contribute to & inculcating conscientious leadership practices, promoting risk management as a meaningful value & building risk management into a strength.

Head,

Offshore Investments

J o b D e s c r i p t i o n

JOB INFORMATION

Job Description Name: Head, Offshore Investments

Recommended Position Title: Head, Offshore Investments

Countries applicable to:

Job Code: 60053055

Job Family: SBG Investments

Sub-function: Investment Management

JOB PURPOSE

To lead discretionary and advisory portfolio management and fund management for the international investment business, taking

full accountability for the management and performance of the division, ensuring that the teams maximises the value of client

funds within the terms of investment policy, leading select client portfolios and optimally solving for client requirements, while

achieving the strategic objectives within regulatory and legislative requirements. Must have the operational experience and ability

to drive SBG’s international Investments strategy, expand our client base, and ensure regulatory compliance across jurisdictions

JOB FUNCTIONS

Essential Functions

In collaboration of Head of Investments, develop and execute strategic vision for offshore business

Actively monitor and assess team’s performance on a continuous basis with a view to improving profitability and the efficiency of

the overall investment operations.

Oversee the development and performance of offshore investments products and services for affluent and HNW clients. Including

collaboration with other businesses to deliver relevant and integrated solutions to clients. Scale the Offshore business

Focus on process simplification

Risk and Governance focus: actively participate in various investment committees and meetings and where required provide

input, assistance and support to the team with investment expertise, investment strategy and general Investments and asset

management duties.

Anticipate changes in the business environment and client engagement needs and the impact and/or potential benefits on the

investment strategy.

Monitor global trends, identify new opportunities for diversification (organic and inorganic)

Drive commercial outcomes (Headline earnings, CTI ratio, ROE, AUM growth)

Drive and support the business vertical integration targets, maximise margins

Oversee platform strategies and ensure technical processes are simplified and optimized

Conduct regular evaluations of client portfolios in order to keep them informed of their position and verify that appropriate levels of

fees or commission are being charges.

Create a collaborative and client-focused relationship with all internal and external stakeholders to deliver solutions that effective,

pragmatic, and risk appropriate.

Ensure high levels of vigilance to fraud, bribery, insider trading, and any other unusual client activities by being proactive in

identifying and managing business risks and ensuring compliance with applicable regulations and legislation, adherence to

standards, processes policies and procedures.

Ensure that all regulatory obligations are met through the development and implementation of effective controls in line with all

regulatory obligations, anti-money laundering requirements, local legislation as well as legislation in the relevant offshore

jurisdictions to ensure full compliance.

Ensure that proper record keeping takes place within the Customer Relationship Management system, while adhering to

applicable acts.

Establish and implement standards, policies and procedures compliant with applicable legislation and contribute to the evolution

of charging process to ensure that over medium to long term, client business is converted from commission based to fee paying.

Essential Functions

Keep up to date with current and emerging trends and identify opportunities to engage with business leaders to ensure that these

opportunities are exploited to optimise commercial and competitive value. Entrepreneurial mindset, focus on innovation

Lead the annual budgetary process to enable the execution of the strategy, ensure achievement of the budget by monitoring

expenditure and achievement of targets by all departments and manage performance in accordance with the Segment's

objectives.

Lead the investments team to achieve its objectives by setting goals, managing performance, developing and motivating the team

to enable a culture of high performance, accountability and service excellence.

Liaise with clients and their intermediaries to design and have suitable and profitable schemes. Monitor the dealings of the team

and contribute to vetting of new business to ensure relationships and potential clients fall within company guidelines.

Oversee the delivery of investment research covering strategy, products, process, implementation and institutional due diligence

to enhance the investment proposition and ensure overall alignment with business best practice developments in the institutional

space.

Participate in the strategic direction of the business and contribute to the development of the international investment strategy for

International Client Solutions (ICS) across jurisdictions and segments, in order to ensure alignment with the overall Investments

and ICS strategy.

Undertake the management of a variety of discretionary and advisory portfolios to maximise the value of the funds within the

terms of clients’ requirements and organisation’s investment policy.

QUALIFICATIONS

Education

Type of Qualification Field of Study Required/

Preferred And/Or

Post Graduate Diploma Finance and Accounting Required

Work Experience

Experience Experience Details Required/

Preferred

More than 10 years Minimum 10 years relevant investment industry experience in a similar role

including general investment management Required

Total number of years' experience 10 years

Behavioural Competencies – Essential

Behavioural Competency Description

Checking Things Is meticulous in finding errors; ensures accuracy by being thorough

and checking details; produces high quality work by being detailed.

Developing Expertise Is open to taking up learning opportunities; is quick in acquiring

knowledge and skills; develops expertise by updating specialist

knowledge.

Developing Strategies is focused on developing strategies; thinks in the longer term and

anticipates trends; envisages the future and adopts a visionary

approach

Directing People Is comfortable leading people; coordinates and directs groups;

seeks to control things

Embracing Change Copes with change and variety; tolerates uncertainty and

ambiguity; adapts to new challenges

Examining Information Analyses and processes information; asks probing questions;

strives to find solutions to problems

Following Procedures Conforms and adheres to rules; closely follows instructions and

procedures; minimises risks by sticking to processes

Interacting with People Is lively and projects enthusiasm; is talkative in making contact; is

focused on interacting and networking with people

Behavioural Competencies - Essential

Behavioural Competency Description

Meeting Timescales Is target focused and meets deadlines; is punctual and keeps to

schedule; is reliable in finishing tasks

Resolving Conflict Is comfortable calming upset people; handles angry individuals

well; is focused on resolving conflict and arguments

Seizing Opportunities Identifies business opportunities; creates additional sales for future

growth; wants to win and outperform competitors

Upholding Standards Behaves ethically and justly; is discreet and maintains

confidentiality; meets commitments by acting with integrity

TECHNICAL COMPETENCIES

Competency Group Trading and Transacting

Competency Level Competency Description

Client Business Case 4. Advanced The ability to plan and communicate a business case to support the intent to

engage with a financial transaction with a qualified client or to align a new or

existing product range.

Deal Appraisal 4. Advanced The ability to conduct sound analysis of individual transactions, through a

thorough due diligence process (e.g. industry structure, company evaluation,

cash-flow analysis, growth prospects, credit ratings, etc.).

International Market Knowledge 4. Advanced Expertise on cross border transacting, multi-country risk taking, regulations

governing cross border transactions and the risks of trading in multiple

jurisdictions.

Investment Analysis 5. Expert The ability to conduct assessments of the economic impacts, market trends,

earnings prospects, stability and profitability of investment options.

Product Development 4. Advanced The ability to stay attuned to the needs of the market and developments in the

finance sector. Able to translate market knowledge into product innovations and

new designs that are responsive to the needs of clients.

Quantitative Analysis 5. Expert The ability to build, analyse and interpret quantitative models to determine

potential risk exposure. Able to analyse behaviour by using complex

mathematical and statistical modelling, measurement and research.

Competency Level Competency Description

Competency Level Competency Description

SCOPE

Peopl e Management:

# Direct Resources Managed # Indirect Resources Managed

This position manages/supervises people 4-10 1-10

Managerial Archetype

Financial Responsibility

Sales Revenue Target Responsibility R150 million – R250 million

Budget Responsibility

Amount Notes

R250 million - R500 million Primary Budget Responsibility

Contact with Others

Represents the organization as the primary contact. Interacts with management and senior value-chain partners on matters

requiring coordination across organizational lines. Achievement of objectives requires ability to influence others both internally

and potentially externally.

Contacts Description

Engagement required with a range of internal stakeholders including: Distribution team,

Fiduciary Services, Operations, Credit, Business Management, Risk and Compliance.

Engage with clients and their professional advisors to provide fund related expertise and

clarify queries. Represent the interests of Standard Bank Investment services with the

regulator.