Financial Services Risk & Compliance Leader
Resume:
CURRICULUM VITAE
With more than ** years in the Financial Services Industry, I have worked extensively in both the collections and fraud departments as well as in the repossessing of vehicles. I bring unique insights from rehabilitating default clients through good relations and interpersonal skills. I have experience and understanding of the impact to Operational Risk in Collections and Recoveries. I have also gained experience in Health and Safety as a Health and Safety officer as well as a Transport Supervisor managing fuel for a fleet of more than 130 vehicles. I fully support and understand the importance of good Corporate Governance and Compliance as this creates the rules of the game protecting the shareholders, Employers, Employees and most importantly all clients.
I thrive on an environment that encourages entrepreneurial thinking and action. My highs are to understand individual’s needs, tie this into the company strategy and share in the results. I thoroughly enjoy analyzing possible trends and shortfalls to determine real risk and with key sponsors and team members, develop a plan for action.
PERSONAL DETAILS:
Name:
Gerhard
Surname:
Swart
Sex:
Male
Birth date:
1985-08-15
ID Number:
850-***-**** 083
Address:
32 Blue Crane Drive
Meyersdal
Alberton
1448
Telephone Numbers:
E-mail:
********@*****.***
Marital Status:
Single
Languages:
English
Afrikaans
Driver’s License:
Code B
Skills:
Analytical Thinking
Excellent Verbal Communication
Ability to work under pressure
Attention to detail
EDUCATION:
TERTIARY EDUCATION
National Certificate in Banking (Financial Services) (NQF Level 5)
SECONDARY EDUCATION
High School:
Hoërskool Dinamika
WORK HISTORY
CURRENT POSITION:
CENTRAFIN
September 2021-Present
Division
Risk
Position
Risk Controller (Credit Control)
Responsibilities
Project a presentable and friendly image to clients with a professional telephone manner
Carry out full function of credit control
Liaise with sales staff, regarding status of account and discuss overdue amounts which are not resolved and find a solution to prevent aging of accounts
Accept responsibility for the performance and duties as laid down by company policy.
Daily debtors reconciliations and issuing of invoices to clients on a daily basis
Daily telephonic collections and recording of such action on system
Daily action of outstanding queries
Processing daily receipting and ageing debtors accounts correctly
Daily assistance to other departments such as sales and operations
Maintaining debtors ageing according to KPA’s
Meet monthly collection targets and reduce Portfolio at Risk
Minimize credit risks
Attend debtors meetings and report on ageing
Issue final demands
Attend to monthly statements and settlement procedures
Dealing with insolvencies, liquidations as well as business rescue accounts.
Proficiencies
Interpersonal skills
Procedural efficiency
Negotiation skills
Problem solving
Excellent planner
Operate under pressure.
Time management skills
Attention to detail
Conflict management
SCAW METALS
July 2020 – August 2021
Division
Transport
Position
Transport Supervisor, Health, Safety and Environmental Officer
Responsibilities
To manage the fuel usage of a fleet of over 150 vehicles by exporting files from SAP to check fuel shortages and compiling reports and investigating the shortages there of.
To manage all health and safety activities of the transport department consisting of more than 30 employees.
Coordinate and participate in site inspections, ensuring all safety procedures were adhered to at any given time.
To work closely with all stakeholders to evaluate health and safety processes and to put new processes, policies, and procedures in place to prevent injuries as well as identify hazards.
The compiling of training matrixes to ensure all employees went on sufficient training to fulfil required day to day duties.
To ensure that incident investigations were done timeously, put correction actions in place after incidents did occur and have meetings with committee members as well as all employees explaining preventative measures.
Toolbox talks discussed daily as well as arrange corrective PPE to be always worn on site.
Safety as well as environmental incidents reduced by 85% by training and teaching risk management techniques as well as hazard identification.
To ensure that all fire safety equipment are always in working order and completing fire safety registers and to have all the correct MSDS in place.
Proficiencies
Working extensively on SAP and Pastel (Creating invoices and receipts, purchase orders, reservations, running reports)
Extracting and compiling reports exporting to Excel and adding graphs to data.
Compiling Safety files for external clients and ensuring that Compliance is met and up to standard.
Formal induction for Health and Safety upon entering site.
FIRST NATIONAL BANK
January 2014 – September 2019
Division
Core Banking Solutions Pre-Legal
Position
Team Leader
Responsibilities
Responsible for leading a Collections team of 12 staff members, collecting on delinquent and exceeded limit payments on FNB Products (Cheque accounts, Revolving Loans, Smart Device, Temp Loans) unsecured debt via inbound/outbound telephone calls using the predictive power dialler.
Responsible to manage the team to ensure that targets of Rand Value collected are met and/or Responsible for ensuring maximum productivity by ensuring constant process improvement in conjunction with creating a motivated and highly effective team culture.
Process driven and experienced in managing a fast pace team using call centre technologies.
Manage high risk accounts to minimize losses to the bank
Approve legal action to be taken
Clearly communicate duties and responsibilities to staff members.
Responsible for employee development, retention, and providing a positive role model
Provide guidance, interpretation and coaching on policies and procedures daily.
Perform lead role in ensuring staff receives ongoing education to stay updated on policies, procedures, systems and products.
Provide support in customer complaint resolution.
Approve repayment plans referred by the team members outside their limits of discretion
Critical thinking and reasoning skills – ability to pursue things logically.
Additional Responsibilities
Tracing of clients through systems used by FNB to locate client with outstanding debts
Risk management, pre-legal and legal collections/Credit Analyst functions
Recover outstanding debt on cheque accounts, revolving loans, temp loans and smart devices
Creation and documentation of payment strategies for all identified clients
Analyze and make decision to re-instate or decrease credit facilities based on clients account conduct
Restructuring of credit facilities on overdrafts, clearing excess amounts etc
Deal with queries and complaints from Customer Care, Ombudsman, NCA, and Hello Peter.com
Proficiencies
Credit analytics
Legal and Pre-legal Collections
Attorney liaison
FICA
FAIS
National Credit Act (NCA)
CPA – Customer Protection Act
PREVIOUS POSITIONS:
MOTOR FINANCE CORPORATION
December 2011 – December 2013
Division
Post Write-off Recovery Services
Position
Legal Consultant
Responsibilities
Tracing of clients by systems provided
Minimization of losses by effective managements of non-paying accounts
Creation and documentation of payment strategies for all identified clients
Maintenance of the correspondence amongst debtors
Response to queries from all clients that are either Credit Risk or currently in arrears
Providing settlement information on Arrears and Credit Risk clients
Repossessing vehicles of non-paying clients
Proficiencies
Discounting of Debtors
Credit
Legal Knowledge
Computer Literacy
Collections process
Business Acumen
FICA
FAIS
NEDBANK
Credit Card Collections - Braamfontein
June 2007 – November 2011
Position
Early Risk Detection Agent (Controller)
Proficiencies
Providing and maintaining an exceptional level of customer service.
Approving arrangements and accounts for the legal department.
Identification and control of potential risk
Ensuring targets and statistics are achieved
Work allocation
Cheque clearances
Training
Corporate Governance
Nedbank Employment Equity Awareness
Risk Compliance
Succeeding as First Time Supervisor
Advanced Excel
Code of Banking Practise
Crime Awareness
Mindworks (External Provider)
NCA (National Credit Act)
OHASA (Occupational Health and Safety Association)
Systems Knowledge
Cams NTE
ITC Experian
XDS Banking Platform
MS Outlook MS Word
BARCLAYCARD NORTHAMPTON
November 2006 – March 2007
Division
Fraud Aftercare Department
Position
Fraud Analyst
Proficiences
Client investigation and analysis in ATM fraud
Reason for leaving
Expired Visa
SOUTHERN ELECTRIC
May 2006 – November 2006
Division
Sales
Position
District Manager
Proficiencies
Door to door Salesman in allocated areas
FIRST NATIONAL BANK
December 2004 – April 2006
Division
FNB Card Division- Card Production Logistics (Bank City)
Position
Call Centre Agent (Inbound/Outbound)
Proficiencies
Client management and education
Ensure that targets and statistics are reached
Data Capturing
Tracing and Tracking of credit cards
Training
Hogan
Money Laundering
FAIS
Customer Care Service
NEDBANK
FRAUD PROTECTION SERVICES
April 2004 – October 2004 (6-month contract)
Position
Accredited Fraud Analyst
Proficiencies
Minimization of loses by preventing, detecting and containing financial crimes.
Daily client liaisons
Training
Fraud prevention
Nedcor Training Centre
NEDBANK
SME MANAGER DIRECT
November 2003 – February 2004 (3-month contract)
Position
Admin Clerk
Proficiencies
Admin duties: faxing, data capturing etc.
Due to the POPI ACT contactable references will be made available upon request.
Contact this candidate