****

Experience and Skills Set:

More than ** years’ experience in the capacity as Group Legal

Advisor interacting with all employee levels, C Suite, Directors and Board Members with an excellent understanding of the Legal and Compliance Landscape for Local South African Organisations, some of which was held and acquired by International Holdings Companies in the UK.

I obtained my BA Honours in Human Resource Management focusing mainly on the Labour Relations Act in 1997 and gained an excellent understanding of the Legal and Compliance Landscape around Employee Benefits, Legislation and Regulations as a result of my participation in Union negotiations and discussions, drafting of employment contracts and understanding employee benefits during my employment with Northern Medical Society (Medical Benefits / Fund Administration) and from being appointed as a member Trustee on our Pension / Provident Funds and Death Benefits Committee.

Whilst in the Employ of G4S Cash Solutions I was elected by the CEO of the Group to participate in the Management Development Plan and completed a two-year Diploma in Advanced Business Management through Wits Business School. This broadened and enhanced my skillset in general business management which provided to be a key skill in successfully performing my tasks both at Board Level and within the Organisational Structures. Until June 2020 I was appointed as the Group Chief Risk Officer for the Fidelity Services Group, one of South Africa’s largest private providers of Security Services with an employee base in excess of 65 000 employees, an active fleet of 5000 vehicles on the road with multiple business divisions and service offerings. In 2018 I joined the Institute of Risk Management of South Africa as an associate member and wrote and passed my Board Exam to become certified as a Risk Practitioner in November 2019. This Certification is subject to the submission of log- books which will soon be finalized. In September 2020 I enrolled with the University of Cape Town for a 8 week course in Compliance Management and have subsequently joined as a student member of CISA (Compliance Institute of South Africa) and will be further my studies to obtain and be certified as a Compliance Practitioner through CISA as soon as possible. fit with my qualifications and experience. I have more than 20 years’ experience as a Group Legal Advisor, during which time I focused on compliance with both external and internal legislation, regulations, policies and procedures.

During my tenure and my appointment with the various employers PERSONALISED COVER LETTER

PROFESSIONAL PERFECTION IS MY

PASSION

CECILIA CORNÉ VAN DER WALT

ID: 720**********

Contact Details:

Mail:

adhnpf@r.postjobfree.com

Cell: 083-***-****

Qualifications:

B-Proc (University of

Johannesburg)

BA Hon (Human Resource

Management) (University of

Johannesburg)

Advanced Business Management

Diploma (Wits Business School)

Compliance Management – UCT (in

Progress)

Associate Member of IRMSA

Passed Board Exam 1 – Certified

Risk Practitioner

Associate Member of CISA –

(Student Membership only) –

awaiting full registration.

CURRICULUM VITAE

CECILIA CORNE VAN DER WALT

13 Daffodil Street

Brackenhurst

Alberton

Contact Number: 083-***-****

PERSONAL INFORMATION

NATIONALITY: SOUTH AFRICAN

GENDER: FEMALE

DEPENDENTS: TWO

LANGUAGE: AFRIKAANS / ENGLISH (FULLY BILINGUAL)

ID NUMBER: 720-***-**** 083

PROFILE:

Skills Set:

• Strong skills in Governance and Compliance (understanding and application of theory in a practical environment within an organisation).

• Strong Analytical Ability and a keen sense for detail with a view of conducting analysis and assessments and identifying the root cause of non-compliance, risks or exposures and recommending possible solutions and action plans to the business areas as required.

• Strong Risk Management abilities and capabilities (Including Operational Risk Management)

• Excellent Leadership skill set with the ability to interact with stakeholders at various levels of the organrisation (both internally and externally) from blue collar workers in operational sectors to Executives and Directors of the Board as well as external stakeholders. In this particular aspect I have during my tenure with the Fidelity Group been nominated as a Mentor to young and developing females as part of a development program which was very successful and which I particularly enjoyed.

• Comfortable at managing the full Legal, Claims and Insurance Portfolio for any organisation.

• Operations Management

• Well-developed skill set in Conflict Management and Negotiations

• Knowledge Management and Information Distribution

• Health and Safety

EDUCATIONAL SUMMARY

Matriculated (1989) Bastion High School (Krugersdorp) Baccalaureus Procurationis (B-Proc) Law Degree

(1995) Rand Afrikaans University (RAU)

Baccalaureus Artium Cum Honoribus

(1997) Rand Afrikaans University (RAU)

Advanced Business Management Programme

(2008/2009) Wits Business School

• Principles of Economics

• Principles of Accounting and Finance

• Principles of Human Resource Management

• Principles of Marketing

• Principles of Operations Management

• Principles of Strategic Management

CAREER SUMMARY

Company: Fidelity Security Group (Pty) Ltd

Dates: March 2016 to June 2020

Positions Held: Group Chief Risk Officer

Compliance and Governance:

o Implement a full Risk Framework with a Combined Assurance Model and effectively and efficiently oversee the management of the risks identified in the risk register

(reactive) and pro-actively identify and manage the risk in the risk landscape of the Organization.

o As a invitee to the Risk and Opportunities Committee I was mandated by the Board to manage the full risk management function for the Group and all its subsidiaries, identify and implement mitigating strategies with each business unit and identified risk champion and drive the management of these risks to reduce its likelihood and impact on a daily / weekly and monthly basis.

o Chairperson for the Combined Assurance Meeting to ensure that all risks are correctly reported, identified and managed through the investigation, assessment of facts and implementation of controls. This Committee consisted of Group Risk, Group Legal, Internal Audit and selected Heads of Departments that were invited as invitees to the committee depending on the non-compliance / risk identified that required focus and assistance.

o Chairperson of the Group Health and Safety Committee – to actively identify the risks relating to non-compliance with the Health and Safety Act, Basic Conditions of Employment, Labour Relations Act and Benefits provided to members and identify the root cause of each risk and drive resolution within the business areas. o Custodian of all Group Approved Policies and the Policy Register: Prepared the required frameworks, terms of reference and mandates and policy statements for the relevant sub-committees as outlined in King IV together with the Group Company Secretary and ensure they aligned with the Group approved Strategy. o Prepared the Annual Workplan for Group Risk for submission to and approval by the Risk and Opportunities Sub-Committee outlining the annual tasks to be completed and attended to.

o Assisted Internal Audit with the preparation of a three-year Audit Plan that aligns and covers all risks areas identified within the risk register. o Oversee the Compliance with all legislation applicable to the Fidelity Group and its subsidiaries by each Business Unit and Head of Department for the functional area within the business and report on any non-compliance and raise the risk in the risk register with corrective actions to return to a state of compliance. These various areas included (not limited to):

The Firearms Act;

The Companies Act;

King III and King IV (alignment and movement to King IV compliance);

PSIRA;

National Credit Act;

Road Traffic Act and regulations thereto;

Labour Relations Act, Basic Conditions of Employment Act, Skills Development Act and BBBEE Act.

FSB and FAIS Compliance of Cell Captives (run to provide internal funeral, legal and medical assistance policies to the employee base of Fidelity) as well as microloans provided to employees (Umsuka Wemali Finance).

Data Privacy and POPI Act.

Risk Management:

o Develop a Risk Framework, Combined Assurance Model that aligns with the Board’s Risk Strategy;

o Maintain the Risk Register on a monthly Basis and drive mitigation and action plans to reduce or prevent risks from happening.

o Assist and support the CEO, CFO, Group Risk Committee and the Board on all aspects identified in the Risk Matrix or to provide an Enterprise Risk Management function. o Work closely with senior executives to deal with all Enterprise Risks related to compliance, lack of processes, procedures and identify risk (reactively and proactively) in line with the methodologies identified in the risk framework (aligned to 31000).

o Provide recommended solutions to non-conformance to policies, procedures, legislation and best practices implemented.

o Report to the Board on a Quarterly Basis in terms of an updated Risk Report highlighting only the key and important aspects and reporting on new risks with a high impact as well as risks still not being addressed by the various business units. All Risk Reports of various heads of departments were reviewed by the Risk Officer and FD prior to submission as part of the board pack to ensure accurate reporting. o Reporting to the Executive C Suite Members on all risks within their business areas on a monthly basis.

o Conduct Risk Assessments, Spot Audits and Compliance through physical branch visits.

o Provide and run an annual risk workshop with the members of the Board and C Suite Executives to train and educate them on any new risk practice and review and adjust the risks identified in the risk landscape.

o Provide a training program of all new policies and procedures to the Management of each Business Unit to ensure that the new policies and procedures have been effectively communicated and that their roles and responsibilities have been explained to them.

Make recommendations to the CEO, CFO, Risk Committee and Board concerning levels of tolerance and appetite for risk, or levels of insurance required to mitigate risk in the event of identified risks.

Ensure that risk management assessments are performed on a continuous basis across the group.

Ensure that management considers and implements appropriate risk responses timeously to manage, reduce or limit further losses.

Escalate and report to the CEO, CFO and Risk Committee on major risks identified and not addressed or continuous failure and non-compliance to policy. Company: Supercare Services Group (Pty) Ltd (formerly part of the original Fidelity Services Group)

Dates: June 2011 to February 2016

Positions Held: Group Legal Advisor

1. Legal, Compliance and Governance

Consider the legal framework applicable to the Company (Industry Standards / Practices / Regulatory and Statutory requirements) and advise the Company on process and procedures required to adhere to the legal framework applicable to the Company (Provide Opinion and follow up)

Consider the Company’s liability with regard to current and future practices, standards and agreements, identify risk areas and manage risk where possible. This will include the drafting of all standard service agreements, supplier agreements, lease agreements, rental agreements, shareholder agreements) as required from time to time and consideration of all tender documents.

Consider the liability of the company on both criminal and civil aspects and provide attorneys, where required with suitable instructions on selected cases. Manage all instructions with attorneys and authorize payments of accounts.

Suggest amendments to Group’s operating and procedural methods, where appropriate, upon identifying risks or preventable (manageable) liabilities or where controls have been implemented but are not effective to ensure compliance.

Attending meetings with suppliers or clients or Management to negotiate agreements and resolve disputes and attend to correspondence on these matters.

Ensure proper control and protection of the central record of the Group’s contractual documents, statutory documents and general legal documents.

Manage the debt collection process of outstanding money due to the Company; together with the assistance of a credit controller, which management will include the correspondence to a Client, the institution of litigation for the recovery of any outstanding money and the management and reporting of any arrear payments received from clients.

Ensure compliance with laws and regulations as contemplated in terms of the new Companies Act and report to the Audit Committee. This company did not have a separate Compliance or Risk Function and it was incorporated into the Legal Function. 2. Claims Management (Liability Claims, Non-Motor and Motor Claims)

Management of all Claims (legal liability, motor vehicle accident, claims for monetary loss, Claims against Third Parties / Clients / Insurers)

Analyze present risks identified from claims and advise on methods to reduce exposures on future trends where applicable by drafting amended policies and procedures and implementing such into the business units.

Implement Corrective and Disciplinary action where necessary.

Manage the adequacy of accruals kept in relation to claims. 3. Insurance

Involvement in negotiations of insured claims or related matters. Group Insurance Requirements

Attend to Client queries in respect of claims and / or interpretation of Insurance Policies.

Advise Company on Insurance Cover available and suggest cover placement and once approved drive the placement of cover on the terms agreed with the Brokers.

Supply Accurate Statistical and Claims Information to the Board, C Suite and Brokers / Insurers as required.

Calculate Loss Ratio vs Premium Income per client (where applicable)

Liaise with Insurers on problematic insurance matters.

Maintain Insurance Procedures.

Liaise with brokers, underwriters and insurers and effect suitable insurance cover for the business of the Company.

4. General

Collate and submit all information required for Legal Group Reporting, which will include litigation / claims and general reports and identify any other reports required by the Company that will relate to the information / procedure managed by the Legal Department and ensure timeous submission of such reports. .

Comply with the Code of Ethics and Compass Code of Business Conduct.

Attend Managerial / Operational, Client / Supplier meetings on request.

Where required prepare and submit an annual budget and manage the budget accordingly.

Employ, train and manage staff within the approved structure to ensure effective and productive performance.

Attend Risk Committees / Tender Committees / Retirement Committee’s where appointed

/ as required.

Any other duties as required by the Company.

Company: G4S Cash Solutions and G4S Insurance (SA) Limited Dates: November 2004 - June 2011

Positions Held: Group Legal Advisor to G4S Cash Solutions (Pty) Ltd and Director of the Board of G4S Insurance (SA) Ltd

Key Tasks and Responsibilities:

Compliance and Governance:

o Implement a full Risk Framework with a Combined Assurance Model and effectively and efficiently oversee the management of the risks identified in the risk register

(reactive) and pro-actively identify and manage the risk in the risk landscape of the Organization.

o As a Director to the Insurance Board and the Group Legal Advisor I was mandated by the Board to manage the full insurance, risk, and legal environment function for the Group and all its subsidiaries.

o Identify and implement mitigating strategies with each business unit and identified risk champion and drive the management of these risks to reduce its likelihood and impact on a daily / weekly and monthly basis.

o Invitee to the Internal Audit Committee to ensure that all risks and exposures from a legal and compliance point of view are correctly reported, identified, and managed through the investigation, assessment of facts and implementation of controls. This Committee consisted of Group Legal, Internal Audit and selected Heads of Departments that were invited as invitees to the committee depending on the non- compliance / risk identified that required focus and assistance. o Member of the Group Risk and Safety Committee – to actively identify the risks relating to non-compliance with the Health and Safety Act, Basic Conditions of Employment, Labour Relations Act and Benefits provided to members and identify the root cause of each risk and drive resolution within the business areas. o Custodian of all Group Approved Policies and the Policy Register: Prepared the required frameworks, terms of reference and mandates and policy statements for the relevant sub-committees as outlined in King III together with the Group Company Secretary and ensure they aligned with the Group approved Strategy. o Oversee the Compliance with all legislation applicable to the Fidelity Cash Solutions

(later on G4S Cash Solutions and G4S Insurance Limited) and its subsidiaries by each Business Unit and Head of Department for the functional area within the business and report on any non-compliance and raise the risk in the risk register with corrective actions to return to a state of compliance. These various areas included (not limited to):

The Firearms Act;

The Companies Act;

King III and King IV (alignment and movement to King IV compliance);

PSIRA;

National Credit Act;

Road Traffic Act and regulations thereto;

Labour Relations Act, Basic Conditions of Employment Act, Skills Development Act and BBBEE Act.

FSB and FAIS Compliance for Fidelity Insurance Ltd (later G4S Insurance Ltd). Please note that this was not a Cell Captive and a fully registered Insurance Company selling niche money cover policies to its clients / customers.

Data Privacy Laws.

Legal:

The Management of all agreements which include perusal, vetting / drafting of service agreements, lease agreements, Memo and Articles of Association, Shareholders Agreements, Loan Agreements, Management / Administration Agreements, Joint Venture Agreements, Service agreements with Service Providers or Role players such as reinsurers, brokers or insurance companies.

Working closely with Operations to manage / reduce risk in all areas of the Company.

Providing a due diligence function to ensure that all legal documents and contracts for the registered offices and subsidiary or associated companies are maintained according to the Companies Act / King III

Assist with the negotiations with service suppliers

Managing the Investigation of Fraud

1. Liaising with Attorneys on statutory and / or legal matters pertaining to members, providers, third parties, shareholders / investors.

2. Trustee Member of the Retirement Fund.

3. Member of the Risk and Opportunities Committee overseeing overall compliance with all agreed Frameworks, Terms of Reference, Mandates, legislation (as per statutory and compliance lists) and mitigating any reported risks. Monitoring of such risks to occur on a monthly / weekly basis with each designated Head of Department or owner of the Risk Function.

4. Member of the Tender Committee

5. Member of the Health and Safety Standards Monitoring Committee. Insurance and Claims:

The Management of the Insurance Company within the group “G4S Insurance (SA) Limited

(Director of the Board)

Managing the relationship with the Financial Services Board (FSB) and the Financial Intermediary and Advisory Services (FAIS) for G4S Insurance (SA) Limited as a registered Financial Service Provider.

The drafting of Policy Documents to all Customers / Clients and the issuing of Cover Notices to Clients in line with the cover request and premiums.

The Retention of a central Policy Register to outline the total exposure to the Group in terms of policies written to customers.

The assessment of all claims submitted against policy cover notes in the event of losses and the processing of claims in line with the policy guidelines for such losses.

Maintaining a solvency ratio of between 80 and 86% for Fidelity Insurance Limited

Reporting to the Board on a Quarterly basis together with the Group FD on the performance of the Insurance Company, reserves and the solvency ratio and any possible risks in terms of the cover provided.

The Assessment of Risk for the Group and management the negotiation and placement of all insurance cover not covered by Fidelity Insurance Limited with London (Secondary layer). Reviewing Group Insurance Policies and drafting policies applicable to all primary layer cover issued to clients from / by Fidelity Insurance Limited (later G4S Insurance Limited).

The Management of all legal liability claims

Management of all motor vehicle accident claims for a self-insured fleet in excess of 1000 vehicles

Management of money loss claims which will include: o Fully understanding all operational procedures within the Company to identify areas of risks

o The investigation of incidents reported (together with the Investigations / Internal Audit Department),

o Communicating with all required parties including the Board of Directors, Management, Investigations and where required Client’s on claims received, investigated and findings (Internal and external). o Identify or highlight non-conformance areas or non-compliance with policies, procedure and statutory requirements.

o Negotiating with Third Parties / Insurers / Customers / Suppliers on all recoveries where G4S had suffered a loss / damage and recovered funds o Analysing the present risks identified in each investigation and provide advice to Operations on methods to reduce / limit future risks and exposure or identify trends where applicable and take the corrective action and steps to rectify the situation and mitigate or minimise the risk. Monitor the effectiveness and efficiencies of such internal controls on a weekly / monthly basis and where not effective repeat the cycled of assessing the risk, implementing a new corrective action or adjusting the corrective action and monitoring compliance with the corrective action and reviewing effectiveness again until the risk is mitigated / reduced.. o Drive the Implementation of Corrective Action or Disciplinary Action where necessary. o Manage the accruals within the Insurance Company for losses / incidents reported on a monthly basis in terms of the claims management system and compare such losses with the losses estimated for the month, provide the necessary adjustments and monitor the claims to try and mitigate and prevent the losses from increasing / happening again.

o Verify and authorise claims payment in line with Insurance Policies / Contractual Limits and Limits of Authority.

o Maintain and Supply statistical information on claims o Report insurance matters to the Underwriters / Group in line with Cover and Internal Policies and Procedures as well as the requirement for G4S Plc (UK based). o Maintain Insurance Procedures and recommend changes to operational procedures as a result of identified risks.

Company: Fidelity Services Group

Dates: March 2003 to November 2004

Positions Held: Group Legal Advisor

Director of the Board - Fidelity Insurance Limited Director of the Board - Fidelity Corporate Services Key Tasks and Responsibilities:

The Management of all agreements which include perusal, vetting / drafting of service agreements, lease agreements, Memo and Articles of Association, Shareholders Agreements, Loan Agreements, Management / Administration Agreements, Joint Venture Agreements, Service agreements with Service Providers or Role players such as reinsurers, brokers or insurance companies.

Providing a due diligence function to ensure that all legal documents and contracts for the registered offices and subsidiary or associated companies are maintained according to the Companies Act

Managing the Company Secretarial Function and ensure compliance with the Companies Act and regulations thereto.

Manage the registration of Trademarks for the Group.

Assist with the negotiations with service suppliers and finalise agreements with preferred suppliers.

Assist with the Investigation of reported Fraud together with Group Internal Audit

Liaising with Attorneys on statutory and / or legal matters pertaining to members, providers, third parties, shareholders / investors.

Consideration of all Group Insurance Policies with Underwriters / Brokers and London and consider the adequacy of the policy cover with the exposed risks of the company. Annual Renewal and placement of the Cover will be negotiated and where required interim cover adjustments will be requested.

The maintenance of a Policy Register for the following policies issued by the Group: o Money Loss Policies (Issued through Fidelity Insurance Limited – to clients of Fidelity Cash Solutions).

o SASRIA Cover (Coupons)

o Register of all claims managed / monitored by an outsourced Motor Vehicle Accident Claims Adjuster.

The Management of Administration Functions central to the Group as a Director of the Board of Fidelity Corporate Services and as a Director of Fidelity Insurance Limited.

Member of the Audit Committee responsible for overseeing legal and governance compliance. Company: Medscheme International

Dates: November 2001 – October 2002

Positions Held: Senior Manager (Portfolio: Legal and HR) Key Tasks and Responsibilities:

Interpreting and applying country legislation and statutory documentation for African countries and assisting with country “profile investigations” to establish the financial viability for Medscheme International to invest or to roll out medical insurance in African Countries:

Areas of responsibilities included: Botswana (Assisting country managers from South Africa)

Zambia (Country profile investigation and feasibility study – medical fields)

The development of a product together with network of healthcare providers that could provide ex-patriate staff with medical insurance benefit plans. Company: Medical Express South Africa / Medical Express Africa Dates: April 2000 – November 2001

Positions Held: HR and Legal Director of Medical Express South Africa Later

Group Legal Advisor for Medical Express Africa

Key Tasks and Responsibilities:

Governance and Compliance:

o Assisting the Board with Company Secretarial Duties and interpreting and applying country legislation for Group Subsidiaries in Mauritius and various African Countries o Enforcing compliance with Board decisions, strategy and policies and procedures through the functional and operational divisions down to all employee at ground level.

o Effectively and efficiently communicating the Board strategy, decisions, policies and procedures to all employees.

o Identify any training needs on compliance and governance and provide the relevant employees / shareholders with training.

o Managing the core business decisions with the Directors of each company and implementing business decisions of the Directors / Board / Shareholders

Legal Function Management:

o Drafting of Contracts, Shareholder Agreements, Completing and assisting local authorities with the filing of statutory / company secretarial information for the following countries:

Medical Express South Africa (Pty) Ltd (Administrator of Medical Schemes in South Africa)

Raco Technologies (Pty) Ltd (Developers of a computer software system for the administration of Medical Schemes and Insurance Products in South Africa)

Medical Express Africa (Administrators of Health Insurance Products, registered in Mauritius)

Medical Express Tanzania (Administrators of Health Insurance Products in Tanzania)

Medical Express Kenya (Administrators of Health Insurance Products in Kenya)

Suremed Rwanda (Insurance Company, registered in Rwanda)

Netcare Congo (Insurance Administration Company registered in Congo)

Medical Express Ghana (Insurance Administration Company registered in Ghana)

Medical Express Egypt (Two local companies in Egypt, one being an administration company for insurance products of third parties and the other being a risk-taking legal entity / insurance company).

Placement of Insurance / Re-insurance

o Drafting and preparing insurance policies and procedures for each of the above subsidiaries in line with the local insurance laws within each country. o Drafting and preparing communication about such insurance policies / benefits and procedures to submit medical claims in terms of any policy cover to clients.

Investigating the legal and compliance requirements pertaining to the development and / or registration of insurance companies / partnerships in Guernsey, Morocco, Ethiopia and Comores or investment in such countries through entities with local assistance in country through the Auditors KPMG.

1. Prior to registering or acquiring shares in any subsidiary assist the Board with the

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