1.Digital Channels Management
Responsible for the Digital Channels Profit & Loss (P&L). This includes achieving sales targets for all products sold through the digital channels
Responsible for the management of the quantitative side of product management. This entails financial
responsibility for the investment budget; determining the investment budget; and monitoring revenue margin.

2.Digital Channels Business Performance Management and Measurement
Measure the performance of the investment, fulfilment, service and sales on the digital channels.
The criteria used are grouped into three categories as follows: Financial and resource performance; Digital Channels customer experience and satisfaction; Digital channels innovation and market development

3.Trend Management
Formalise the Digital Channels trend management as an ongoing activity for the planning, building and
running of the digital channels.
Ensure a review of consumer trends and developments occurs at least on a twice-yearly basis for the
Digital Channels.
Macro-level Consumer Trend Tracking
Micro-level Consumer Trend Tracking
Competitor Trend Tracking
Market Product Trend Tracking

4.Digital Channels Planning and Product Creation
Responsible for the plan, design and creation of a Digital Channels coherent strategy that is complementary in how it serves retail banking customers.
Shape the customer experience across digital touch points (online, mobile and cell phone experiences).
Build new digital product and service that currently do not exist on digital channels, thus creating new revenue streams and new service opportunities.
Launch new feature/digital products or extends the digital product/feature lines.
Modify or extend existing digital products or digital services to create additional value from existing digital products.
Make current product/feature/service more ''buyable'' through the design of new or additional features.
Streamlines existing digital products/services.
Extend the digital product range and service range.
Responsible for what has been described as the ‘qualitative side of buying’ by taking control and identifying the requirements of the market, in terms of digital products and services needed, and determining which products would best satisfy retail banking customer needs.
Undertake regular analysis of market opportunities and identifies profitable market opportunities for the
business. This necessitates an analysis of
trends and developments in consumer behaviour in general and buying behaviour in particular

5.Digital Channels Product Promotion, Usage and Commercialisation/Adoption
Drive the promotional mix component, the range of promotional elements from which the digital channels select to communicate with existing and potential customers. Traditionally, this includes personal selling, advertising, sales promotion and publicity.
Increase the amount and scope of promotional activities for digital channels.
Monitor the impact of campaigns on digital sales, adoption and commercialisation, including:

6 .Treating Customers Fairly and Compliance
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 policies, 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

7.Management of Resources
Manage and develop subordinate(s): Performance management in terms of contracting, reviews and poor performers, Training and development, Employee relations
Manage people efficiencies through leave management, headcount budget, fixed term contracts, staff movements, secondments, staff utilization
Take appropriate disciplinary measures as required
Facilitate induction of new staff within one month of joining the organization

1 - Leadership & Management of Resources
Manage and develop subordinate(s): Performance management in terms of contracting, reviews and poor performers, Training and development, Employee relations
Manage people efficiencies through leave management, headcount budget, fixed term contracts, staff movements, secondments, staff utilization
Take appropriate disciplinary measures as required
Facilitate induction of new staff within one month of joining the organization

2 - Compliance Oversight
Continuously monitor changes in banking regulations, including those related to Anti-Money Laundering (AML), Know Your Customer (KYC), Consumer Protection and data privacy amongst others
Assess the impact of regulatory changes on the bank's operations and update compliance procedures accordingly
Identify and assess compliance risks associated with the bank's products, services, and operations
Develop a risk assessment framework to prioritise and address high-risk areas
Review and ensure the adequacy of the bank's compliance policies, procedures, and manuals
Ensure the implementation of robust AML and fraud detection systems
Plan and execute compliance testing and auditing programs to assess the effectiveness of compliance controls
Prepare and submit regular compliance reports to senior management, the board of directors, and regulatory authorities
Lead or participate in investigations and corrective actions when compliance issues arise
Promote a strong culture of compliance and ethics within the organisation
Stay informed about emerging compliance risks in the banking industry, such as cybersecurity threats and digital banking regulations

3 - Monitoring Activities
Develop and execute a comprehensive compliance monitoring and surveillance strategy that aligns with the bank's objectives and regulatory requirements
Systematically review and assess various aspects of the bank's operations to ensure compliance with relevant laws, regulations, and internal policies
Regularly analyse customer transactions to detect any unusual or suspicious activity that may indicate money laundering, fraud, or other compliance violations
Implement and maintain an automated transaction monitoring system to enhance efficiency and accuracy
Ensure that enhanced due diligence (EDD) procedures are applied when necessary
Oversee the monitoring and surveillance of transactions, customer interactions, and other relevant data to detect potential compliance violations, including suspicious activities or fraud
Regularly assess the adequacy and effectiveness of the bank's KYC procedures to ensure compliance with regulatory standards
Monitor AML programs, policies, and procedures to ensure they align with regulatory requirements
Monitor the bank's adherence to internal compliance policies and procedures
Monitor the compliance practices of third-party vendors and service providers
Monitor compliance with data privacy regulations, including data protection, storage, and breach reporting requirements
Collaborate closely with other departments, such as Risk Management, Legal, and Internal Audit, to address compliance issues and mitigate risks

4 - Regulatory Reporting
Ensure that the bank's operations comply with all relevant laws and regulations, and that the data used for regulatory reporting is accurate, complete, and up-to-date
Prepare and submit regular and ad-hoc reports on monitoring activities, findings, and compliance status to senior management and regulatory bodies
Identify and stay informed about all regulatory reporting requirements that apply to the bank. This includes reports related to Anti-Money Laundering (AML), Bank Secrecy Act (BSA), Consumer Protection, and others specific to the banking sector
Oversee the collection of relevant data and information from various departments and systems within the bank. Ensure that data is consistent and meets the specified reporting criteria
Implement quality assurance procedures to review regulatory reports for errors, inconsistencies, or omissions. Ensure that reports meet regulatory guidelines and standards
Explore opportunities to automate the generation and submission of regulatory reports, which can enhance accuracy and efficiency
Address any regulatory reporting issues or discrepancies promptly. Develop corrective action plans to rectify problems and prevent recurrence

1 - Communication Function Management
Manage and work across the organisation to develop/design, deliver and implement internal communication strategic activities tailored to the Distribution division which support the broader strategy of the Bank, meeting organisational objectives that aligns with external messages to our customers.
Develop and manage communication plans according to the relevant change projects where there is a need for awareness and or a change impact (according to the ADKAR methodology).
Draft, edit and publish written communication content for a variety of audiences within the Distribution division and Group across internal communication channels, with a deep awareness for customer centricity.
Assess the suitability of messaging to the relevant delivery channel in accordance with frequency and level of impact the message needs to carry.
Act as a point of contact on the management of internal communications for the Distribution division providing expertise and guidance on the existing communication channels.
Assess the effectiveness of communications across the audiences to which they are received.

2 - Change Support Management
Managing the transition of changes in the business in accordance with Human Capital Change projects and methodology together with operational management.
Understand the change impact according to the change readiness analysis. Advise and partner with sales operational managers and Human Capital Business Partners to create awareness and embed business changes within the Distribution division.
Apply communication initiatives to support the adoption of change required by a project/s.
Partner with Human Capital learning and development team to ‘amp up’ key messaging through communication campaigns as part of the change management process.
Together with operational management, track and report on issues or areas of resistance, and prepare risk mitigating tactics in collaboration with Human Capital and Group Executive: Sales and Branch Network.
Support and engage senior leaders and coordinate efforts with other specialists

3 - Customer Relationship Management
Advise Executive, Senior Managers and internal customers on internal communications activities, communicating complex operational and sales related information in an accessible and engaging way.
Manage stakeholder expectations and keep customers informed on the ‘real need’ vs. perceived (substance over form).
Treat customers fairly.
Adhere to African Bank’s Customer Service Standards

4 - Effective Self-Management
Create and manage own career development through guidance and support of department leadership and peers.
Manage stress and pressure effectively.
Plan and prioritise effectively to ensure deadlines are met and quality standards maintained.

1 - Implementation of the IT Infrastructure Risk Management Framework
Implement the Information Risk and Cybersecurity Risk Management Frameworks and assurance and ensure adherence thereof.
Contribute to the strategic direction of the organization’s IT/Cyber Risk and Governance program.
Scan the macro and microeconomics environment to identify Information risks that may impact the organization’s ability to deliver its objectives and incorporates such insights into the originations Risk status.
Identify Information Risk and Cybersecurity Risk gaps through an approved tool and address quick wins in an agile, efficient and sustainable manner.
Identify effective controls as the complexity and make recommendation to First Line of Defense.
Maintain the Information and Cybersecurity risk register and issue register, including tracking of risk priority to the company and issue remediation as they progress.
Information and Cybersecurity risk assurance reviews across the enterprise to enable educated leadership decisions on IT and business strategy.
Develop and maintain robust metrics to measure the progress of the Information and Cybersecurity Risk and Governance program and identify trends pertaining to the environment.
Review exception requests to standard cybersecurity controls to identify resulting risk in preparation for leadership decisions.
Develop and lead initiatives to improve the Information and Cybersecurity Risk management proposition through the identification and execution of process improvement efforts.
Communicate and interact effectively and professionally with co-workers, management, customers, etc.
Maintain complete confidentiality of the business and risks.
Collaborate with IT, business and other internal stakeholder to ensure continuous monitoring and assurance in conducted in a relevant, timely and cost-effective manner.
Collates independent assurance reporting on the robustness of Information and Cybersecurity Risk and present to senior and executive management.
Advise and guide the business leadership ensuring that cybersecurity decisions are made in alignment with the overall risk management and IT frameworks of the Bank and are compliant with both local and international financial regulations to safeguard the Bank’s from any potential financial and reputational risk.

2 - Enterprise Risk Assessor (ERA) maintenance and support
Develop and maintain ERA to facilitate effective risk management and reporting throughout the Group.
Provide continuous ERA support to all business units.
Liaise with ERA provider to facilitate the use of latest version and appropriate co-operation

3 - Monitor Operational Losses related to Information and Cybersecurity Risk and Reporting/feedback
Monitor operational losses related to Information and Cybersecurity Risk by analyzing trends and communicating these throughout the bank.
Advise direct manager and provide clarity on the successful capturing and reporting of operational risk losses.
Incorporate actual loss experience into the assessment of risks by management.
Analyse and report on loss trends, advise appropriate corrective action and report for submission to and approval by direct manager.
Implement corrective action to facilitate that future losses are prevented

4 - Client Relationship Management
Create and maintain productive relationships with internal clients through providing advice and conducting client visits.
Assist the client to understand the ‘real’ versus ‘perceived’ (substance over form) need through the application of risk strategy, leadership, experience and expertise.
Keep the client informed about progress on the real need through written communication, telephone communications and interpersonal meetings.
Provide input to facilitate the required assurance to the operational risk function on
regulatory requirements per assignment

5 - Special Projects
Project Planning and Time management.
Scheduling / Conducting and attending relevant meetings.
Regular update and reporting.
Achieving set milestones and deadlines.

6 - People Management
Provide vision and big picture thinking in the context of IT Risk and Governance leadership.
Establish and maintain high performance teams that are innovative and strategic.
Ensure employees align to the Bank’s strategy, follow approved bank policies and comply to relevant regulations.
Promote and live the Bank’s values and principles