Internal Audit planning
Identify audit needs and areas for review and provide input to Internal Audit Manager regarding the annual plan
Review Operational Risk and other appropriate documentation prior to commencement of review (including best practice)
Document processes to obtain an understanding of activities 
Evaluate and score documented inherent risks
Evaluate and score documented management controls
Prepare audit programmes and relevant audit tests to be executed for manager approval

Internal Audit execution and review
Oversee and execute the following for identified audits:
Test all identified controls and identify weaknesses
Gather and maintain supporting documentation for each audit and control objective addressed
Prepare and maintain audit files (electronic or / and hard copy)
Reporting
Perform peer reviews on audit files
Perform follow-ups on audits previously conducted

Conclude & report findings
Compile audit reports and review findings prepared by team members (where applicable)
Conclude on audit opinion in reports (in executive summary) based on results of audits executed 
Discuss reports with senior management and obtain management comments and target dates
Assist in the preparation of ad hoc reports (e.g. Exco, Audit Committee, Reserve Bank etc.)

Brand building and service delivery
Create and maintain productive relationships with internal clients through continuous conversations and being accessible
Assist the client to understand their role relating to risks and controls as well as Internal Audit’s role in providing an independent assessment of risks and controls.  Encourage management in considering risks in the decision making process
Keep the client informed about changes in legislation/industry trends and current audit findings through written communication, telephone communications and interpersonal meetings
Build an internal brand of the internal audit team through always remaining relevant to the client’s business and strive to add value to the organisation

Customer
Create and maintain productive relationships with internal and external clients by providing advice and assistance
Create understanding of the ‘real’ versus ‘perceived’ need through experience and expertise while complying with company polices legislation and regulations
Keep the client informed about progress through written communication, telephone communications and/or face to face meetings
Build a positive image by exceeding client expectations at all times
Treat internal and external customers fairly at all times

Project – Remediation of FICA/KYC for existing client base    

• Reviewing existing records in terms of planned remediation,

• Record-keeping in terms of the Bank’s process,

• Monitoring and reporting on progress of remediation.

FICA/KYC Approval and oversight

• Reviewing new and existing KYC/FICA documents for Business and Commercial,

• Approving client information in the Bank’s KYC application,

• Communication with staff in terms of incorrect capture and incorrect FICA documents,

• Resolving issues identified,

• Dealing with FICA queries,

• Remediation of existing CEF clients,

• QA and guidance to Account Executives for EDDs completed for high-risk clients,

• Guidance to Account Executives for complying with UBO requirements as per PCC59,

• Growth in terms of Business and Commercial eg. Business Transactional accounts and Digital lending.

OCDD (ongoing client due diligence)

• Reviewing existing KYC/FICA documents,

• Liaising with clients and agents in terms of ongoing client due diligence,

• Arranging for collection of documents from clients,

• Capturing client information in terms of the Bank’s KYC application,

• Uploading docs to Bank verification tool and approving

• Resolving issues identified by FICA Approvals,

• Dealing with FICA queries,

• Maintaining and monitoring monthly OCDD schedules,

• Record-keeping in terms of the Bank’s process.

Client Approvals      

• Approval of Lending clients,

• Approval of Masterfile changes for Lending clients

Business Transactional Account (BTA)    

• Capture and Approval of BTA clients,

• Capture and Approval of Internet registrations for new internet users for new and existing clients,

• Capture and Approval of Secondary Cardholders for new and existing clients,

• Record-keeping in terms of the Bank’s process.

Filing KYC/FICA, client and agent documents   

• Save documents to FICA folder for FICA approvals,

• Save documents to relevant Operations folder for all Client approvals for Lending clients in respect of approvals for new and Masterfile changes,

• Original documents (if received) must be filed with the client/agent documents in alphabetical order and recorded on the relevant spreadsheet.

Compliance Reviews           

• Attend to all queries raised in Compliance Review and resolve,

• Resolve issues raised in the Compliance Reviews

System enhancements       

• Assist with UAT for Bank’s KYC system and with external service providers.

Support           

• Performing ad hoc administration tasks as and when required,

• Support with Exit process as and when required,

• Guarantee signatory.

1 - Legal Advice
? Ensure appropriate standards are properly applied to Asset Finance Supplier contractual arrangements and rental, lease and Instalment sale Agreements (“Rental Agreements”)
? Review of asset finance cession supplier rental agreements
? Provide legal advice relating to deal documentations, deal structure, credit applications and contracts.
? Provide input in terms of litigation of non-performing loans where required.
? Oversee transactions required by management that are within the ambit of the PFMA, MFMA, Tender procedures, as well as large deals on request.
? Relationships with major account directors / senior management.
? Review and negotiate legal amendments on a deal-by-deal basis as well a control of master documents.
? Liaise with clients and/or suppliers regarding proposed changes to asset finance agreements and attend to general enquiries & meetings.
? Advise Asset Finance staff as to the relevant documentation required for specific transactions and requirements.
? Review indemnitees in line with mandate.
? Ad hoc duties, generally required by business banking legal management.

2 - Legal Administration
? Custodian of legal report (report monthly).
? Ensure proper version control of all agreements is maintained.
? Consider master changes to agreements that asset finance Cession Suppliers request.
? Facilitate coordination of supplier/client engagement where required.
? Assist in asset finance supplier reviews.
? Ensure legislative/credit conditions are applied to all deal documentation appropriately after consultation with management.
? Action necessary changes to asset finance rental agreements to ensure the agreements remain up to date with legislative and operational changes and requirements and ensure proper version control and contract management processes are in place.
? Review and/or action changes to non-standard asset finance agreements.
? Custodian of the asset finance Supplier Documentation where required.
? Draft letters to suppliers and clients as and when required.
? Assist with proposals to new suppliers.
? Assist in drafting of new Modus Operandi’s, Processes and Rules.
? Provide clause, financial and document training to Asset Finance staff when required or requested.
? Draft responses/letters to supplier/client queries or concerns

3 - General
? Support the management team in maximizing support from existing clients Motivate, support, lead and engage team.
? Risk & regulatory.