Regional Manager

CURRICULUM

VITAE

GERALDENE

MUNIAH

PERSONAL DETAILS

FIRST NAMES : Geraldene

SURNAME : Muniah

IDENTITY NUMBER : 75-032*-****-***

DATE OF BIRTH : 23 March 1975

SEX : Female

MARITAL STATUS : Single

NATIONALITY : South African – Asian

HOME LANGUAGE : English

HEALTH : Good

DRIVER’S LICENSE : Yes (code 08)

HOME ADDRESS : 8 Summer Creek

8 Pelican Street

Alberton

POSTAL ADDRESS : P O Box 2836

Lenasia

1820

TELEPHONE NUMBER : 084-***-**** (C)

EDUCATIONAL QUALIFICATIONS

LAST SCHOOL ATTENDED : M H Joosub Technical

Secondary School

HIGHEST STANDARD PASSED : Standard 10 (HG)

SUBJECTS PASSED : English, Afrikaans

Maths, Science

Computer Science

Accounting

FURTHER STUDIES

TERTIARY QUALIFICATION : BComm(Marketing) UNISA

WORK RELATED STUDIES : Six Sigma - Yellow Belt Certified

Standard Bank Leadership Programme

Capitecbank Leadership Programme

ADKAR – Change management

FAIS – NQF 4

RE5 Regulatory Examination: Representatives in all categories of FSPs

EMPLOYMENT DETAILS

CURRENT EMPLOYMENT : Capitec Bank

POSITION HELD : Regional Manager

LENGTH OF EMPLOYMENT : 9 years

: (Jan 2011 – current

DUTIES PERFORMED

Responsible for the execution of the human and resource management functions:

Implements the performance manangement process across the region to create a performance driven culture

Contract KPAs for branch managers and their subordinates

Provide input into strategy, budgeting, proft maximistaion and process efficiency for the region

Managing 8 branches (Alberton City, Newmarket, Promenade, Lemon Tree, Rosettenville, The Glen, Bracken City, Mall of the South)

Dealing with client complaints once escalated from branch or from head office

Ensure equitable application of ER code of conduct

Strong leadership – cultivate an effective working environment to foster commitment

Driving sales, service, profit

Growing the loan book

Looking for opportunities to further expand the Capitec footprint by identifying areas for further branches,ATMs and sending proposals to head office properties

Expanding the business by visiting/co ordinating presentations to large companies and firms using the workplace banking team

Dealing with HR issues, staffing issues

Mitigating risk by ensuring internal controls are in place and being adhered to

Driving compliance to NCR, FAIS etc

Investigating/concluding Dropsafe cases

Setting and reporting on targets

Executing the bank’s overall strategies as well as formulating strategies specific to grow the business in the region

Initiating and chairing disciplinary enquiries, representing the bank at CCMA for arbitration

Ensure that the banks objectives are translated into practical operational initiatives and monitoring achievement of this.

Operations management for the region, including liaising with head office roleplayers and product owners with a view to creating operational effectiveness

Being a subject matter expert in all products/operational processes, ER and HR policies in order to effectively manage the region

Issuing of monthly/weekly reports on performance

Create a culture of service excellence by ensuring intelligent daily diagnostic of the regions performance

Improving capacity utilization by understanding the need of the market and utilizing the resources effectively

CURRENT EMPLOYMENT : Elite Weddings and Events

POSITION HELD : Owner

LENGTH OF EMPLOYMENT : 8 months

(May 2010 – Dec 2010)

DUTIES PERFORMED

Managing and co ordinating events, weddings, functions

Negotiating contracts and quotes

Presentation to clients and potential clients

Drawing up budget proposals and executing client’s request within set budget

Presenting creative and innovative ideas to clients

EMPLOYMENT DETAILS

CURRENT EMPLOYMENT : Standard Bank Gauteng Province

Private Banking Suite Johannesburg

POSITION HELD : Private Banker (Relationship Manager)

LENGTH OF EMPLOYMENT : 5 months

(Dec 2009 – April 2010)

DUTIES PERFORMED

Accountable for a portfolio of clients

Build relationships across all hierarchical levels within and outside the bank in order to develop a credible and relevant network Grow portfolio profitability through the utilization of opportunities,Conform to the bank’s risk policies and procedures,Work closely with structured lending specialist

EMPLOYMENT DETAILS

CURRENT EMPLOYMENT : Standard Bank Head Office

Fraud Risk and Loss Management

POSITION HELD : Head: Card Fraud Admin

Manager: Senior Fraud Analyst

Manager: Tactical Response Unit

LENGTH OF EMPLOYMENT : 2 years 8 months

DUTIES PERFORMED

To provide full administrative functions for Fraud Administration and Recoveries. with maximum chargeback, To head up and drive initiatives for the division and establish communication links between SBSA entities, Visa, MasterCard and other issuers and acquirers

Regular liaison with internal and external customers regarding industry fraud administration, statistics and fraud prevention techniques.

Develop and document Service Level Agreements (SLA’s) and processes where appropriate

Manage and control Capex and general expenses within budget

Analysing and reporting on fraud trends, Compilation and distribution of monthly management reports on the above

Data collection, data formatting, data analysis of fraud trends, operational metrics and strategic control

Assisting the Head Fraud Strategy and Analytics in formulating strategy by providing information on fraud trends, operational inefficiencies and variances to target.

Interaction with internal and external stakeholders where necessary, within all levels of the organisation.

Minimize fraud losses within the bank by investigating, analyzing, recommending, documenting and implementing improvements to existing controls, processes, procedures and systems to enhance fraud prevention and detection efforts.

Assist the Head, Tactical Response Unit with special ad hoc projects, Identify and engage with relevant process/business owners to get buy in

Establish and maintain collaborative partnerships and a wide relationship network across business units, support areas and external service providers

Good problem solving capabilities, independent fieldwork and research leading to derivation of a solution

Operate in a continually changing environment, and being a change agent

EMPLOYMENT DETAILS

CURRENT EMPLOYMENT : Standard Bank

Gauteng Province

Westrandcliff Area

Randburg Branch

POSITION HELD : Sales Manager

LENGTH OF EMPLOYMENT : 1 Year 2 Months

(March 2006 – April 2007)

DUTIES PERFORMED

Lead and supervise the Customer Consultant team,providing a readily available, service focused, knowledgeable and experienced point of contact for new and existing personal market customers.

Ensure customers banking needs are identified and fulfilled efficiently and cost effectively while managing the risks associated with new accounts, Adherence to all FAIS, FICA, and COBP requirements.

Complaint and query resolution, Mentoring and coaching of subordinates, Extensive knowledge of branch processes and procedures

Organizing and coordinating branch events e.g. Customer forums, social functions

EMPLOYMENT DETAILS

CURRENT EMPLOYMENT : Standard Bank

Mpumalanga Province

Highveld Area

POSITION HELD : Regional Service Centre Manager

LENGTH OF EMPLOYMENT : 3 Years 6 months

(Sept 2002 –Feb 2006)

DUTIES PERFORMED :

Manage Service/Sales Improvement, Manage credit and operational risk

Management of people, Recruitment and training of staff,Dealing with customer complaints, Problem analysis

Oversee the ffg branches: Delmas, Leandra, Balfour, Kriel, Bethal and Heidelberg (Highveld RSCM)

Assess the risks faced by the branches and maintain an effective system of controls,Conduct monthly scrutinizes, Adhere to cost budgets,Set sales budgets for service centres

EMPLOYMENT DETAILS

CURRENT EMPLOYMENT : Standard Bank

Branch Systems Support

Division

POSITION HELD : Team Co-ordinator

Implementation/Training

LENGTH OF EMPLOYMENT : 1 Year, 2 months

(July 2001 – August 2002)

DUTIES PERFORMED

Training of staff at various Standard Bank branches and agencies, as well as Processing centres and Cash Centres around South Africa

Co-ordination and Implementation/facilitation of new procedures and systems within the above mentioned work environments

Drawing up of Easy Aids and manuals to ensure that correct procedures are applied in any given situation, Planning/facilitating of project, doing presentations to all levels of staff, Liaising between higher levels of management and the branch staff

Logistical issues/arranging travel and accommodation requirements for a team

EMPLOYMENT DETAILS

PREVIOUS EMPLOYMENT : Standard Bank

Jan Smuts Area Office

POSITION HELD : Local Market Expansion

Consultant

LENGTH OF EMPLOYMENT : 1Year, 1 Month

(May 2000 – May 2001)

DUTIES PERFORMED:

To pro-actively market and cross sell the Bank’s core products to increase the existing customer base within each Branch

Data mining and profiling of customers needs,Advise client’s about their options/choices

Opening of various accounts i.e. cheque accounts, investments, and home loans

Corporate Banking, Stanfin, Meet targets set by Area Office, Adherence to the Code of Banking Practice

EMPLOYMENT DETAILS

CURRENT EMPLOYMENT : Standard Bank

Branch Systems Support

Division

POSITION HELD : Implementation/Training

Officer

LENGTH OF EMPLOYMENT : 2 Years (June 1998 – May 2000)

DUTIES PERFORMED

Training of staff at various Standard Bank branches and agencies, as well as Processing centres and Cash Centres around South Africa Implementation/facilitation of new procedures and systems within the above

mentioned work environment,Liaising between higher levels of management and the branch staff

Drawing up of Easy Aids and Manuals to ensure that correct procedures are applied in any given situation

Producing of detailed reports on each Project Prototeam activities, i.e. balancing of accounts, ‘cleanup’ of departments

Planning/facilitating of projects, Doing presentations to all levels of staff, setting up meetings across provinces

EMPLOYMENT DETAILS

PREVIOUS EMPLOYMENT : Standard Bank

Jan Smuts Ave Branch

POSITION HELD : Officer in Charge at

Emmarentia Agency

LENGTH OF EMPLOYMENT : 1 Year

(June 1997 – June 1998)

DUTIES PERFORMED

Supervising two subordinates, Controlled the functioning of the Agency, Treasury custodian – clearing and ordering of cash

Autoplus custodian – maintaining and balancing of machine, Conventional teller – daily balancing of cash, Handling customer queries

Receiving ATM cards and chequebooks, Opening plusplan and Investment accounts

Stationery control, Oversee daily security procedures for opening and locking the agency

EMPLOYMENT DETAILS

PREVIOUS EMPLOYMENT : Standard Bank

Braamfontein Branch

POSITION HELD : Senior Foreign Exchange

Teller

LENGTH OF EMPLOYMENT : 1 Year

(May 1996 – June 1997)

DUTIES PERFORMED

Selling and purchasing foreign currency and traveller’s cheques, Handling customer queries, Calculating exchange rates, Endorsements of passports

Ordering of foreign notes and traveller’s cheques, Capturing of data, Teller duties – daily balancing of cash, Issuing of Visa letters

Adherence to Exchange Control and Reserve Bank regulations

EMPLOYMENT DETAILS

PREVIOUS EMPLOYMENT : Standard Bank

Milner Park Branch

POSITION HELD : Switchboard Operator

Typist, Teller

Customer Service Officer

LENGTH OF EMPLOYMENT : 2 Years, 2 Months

(March 1994 – May 1996)

DUTIES PERFORMED

Answering of switchboard, General typing, filing, Payment of accounts, Office administration

Customer queries, Receiving and dispatching, ATM cards and chequebooks, Opening investment and Plusplan accounts

Issuing and certifying bank cheques, printing statements, Teller duties / daily balancing of cash

REFERENCES:

Marylan Oeschger Project Manager 083-***-****

Standard Bank

Zanaria Khan Provincial Manager(Shariah Banking) 082-***-****

Standard Bank

Paul Du Preez Business Manager Diebold(previous line manager) 083-***-****

Ivan Govender Regional Manager 083-***-****

Alex Region

Lize Elliott Regional Manager 072-***-****

Springs Region

Contact this candidate