Abigail M Bwanjelela

· Examines Departmental records to identify risks that the institution faces, systems and procedural weaknesses, and interviews staff to ensure recording of transactions and compliance with applicable laws and regulations.

· Coordinating the preparation of the risk management budget to ensure sufficient allocation of resources critical for the implementation of the risk management strategy in a timely manner

· Coordinating the development of the risk management work plan to ensure the risk strategy is implemented along set timelines.

· Developing an annual programme of risk management review work, to ensure risk reviews are done in a timely manner.

· Responsible for the periodic review of effectiveness of company-wide risk management framework and policy framework together with businesses.

· Defining the process for risk appetite development within the Board.

· Responsible for ensuring that there is an adequate risk infrastructure including limit structure, methodologies and management information systems.

· Responsible for developing the Risk Committee pack and regular senior management briefing packs that summarise all key exposures across the Board.

· Responsible for reviewing of the relevant monthly and quarterly risk report produced by financial and operational risk prior to distribution.

· Responsible for ensuring adequacy of the compliance framework for all relevant requirements as prescribed by the Board.

· Responsible for ensuring that processes for risk identification, measurement and management are in place and escalation of issues for all types of risks from all sources within the Board.

· Carry out other tasks as maybe assigned.

• Analyzing and anticipating market trends.
• Conducting research to assess financial risks.
• Calculating risks involved in transactions and business proposals.
• Using statistical computer programmes to analyse financial risks.
• Formulating contingency plans.
• Recommending precautionary or improvement measures.
• Monitoring the implementation of action plans to address key risks on the RCSA/risk registers.
• Assisting the Principal Risk Owners with the identification of Key Risk Indicators (KRI) in their business units.
• Monitoring the implementation of action plans to address KRI.
• Analysing identified trends in the key risk indicators.
• Aggregating and analysing risk events reported by the business units into the categories and circulating them in the business every month for staff awareness and/action.
• Performing root cause analyses on identified financial risk events to recommend improvements to prevent these risk events from re-occurring in future.
• Assisting the Manager- Risk Management in preparing reports to the Commissioner, Audit Risk & Compliance Committee and the Board of Directors.

• Perform and control the full audit circle including the risk management and control management over operations’ effectiveness, financial reliability and compliance with all applicable
• Prepare tax returns for individuals, organizations, and businesses while strategizing with clients to minimize tax liability
• Establish and oversee the application of operational risk policies, technology and tools, and governance processes to create lasting solutions for minimizing loses from failed internal processes, inadequate controls, and emerging risks.
• Ensure mitigation of risks arising from internal processes, people and systems.
• Keeping clients compliant with all regulatory authorities i.e ZRA, NAPSA, NHIMA and Workers Compensation.
• Review and update Receivables and Payables accounts for management to review to aid in financial and business decision making.
• Improve processes by developing or implementing best practices and manage and coordinate tax audits
• Ensure all Tax types under the portfolio are submitted and paid for timely
• Bank reconciliation for the Tax and NAPSA Bank accounts
• Maintaining of petty cash and allocation and prepare cheques for payments
• Assist audit team with planning and administration of audit assignments.
• Creating procedures and policies that ensure timely payments while maintaining a high level of customer retention.
• Maintained current and accurate general ledger with all accounting data in audit-ready format.
• Ensure the organization is compliant with current legislation and best practices.
• Verified and entered expenditures and reconciled accounts to resolve variances.
• Answered questions from taxpayers and assisted individuals with completing tax forms.
• Conducted independent field audits and investigations of income tax returns to verify information provided.

• Sales of Government Securities, Mutual Funds and Regular Savings Plan sales and marketing
• Spear head marketing strategy and implementation of Branch Banc Assurance insurance policies
• Ensure customer experiences are delivered within TAT, while consistently greeting all customers with a smile
• Prompt and decisive action when any risk and compliance weaknesses become apparent, addressing them in an appropriate timeframe, escalating where necessary, having carefully understood what happened and why
• To consistently provide solutions to customer problems and complaints and Attend to customer needs in the Banking Hall when required with a view to providing speedy and efficient customer service
• Ensure all potential Sales opportunities are utilized and aggressively closed
• Ensure accounts are monitored for suspicious transactions and that all mandates in regard to accounts are completed on time
• Analysis and financial advice on foreign exchange activities and wealth management services.
• Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
• Complied with company policies and government regulations to prevent and detect rule violations and protect organization from fines and lawsuits.

• Prepare requisition for petty cash reimbursement daily
• Adhere to appropriate processes and procedures e.g Key Risk Indicators.
• To co-ordinate, monitor, control operational functions of the Branch in order to ensure provision of efficient and effective operational support driving client experience, branch performance and compliance to regulatory, local and group.
• Support the Business with the Business Impact Analysis(BIA) to assess the risks the business faces using the SWOT analysis and help eliminate risks identified.
• Responsible and accountable for custodianship of Treasury cash, vault combination and reserve stock of blank forms as a primary custodian. ensuring full compliance of handling these assets and keys at all times to avoid any lapses.
• To facilitate installation of an operational risk culture.
• Reconcile all suspense accounts allocated to me and items on them attended to on a daily basis.
• Ensure the Bank instructions are followed in order to avoid losses and perform spot checks on regular basis.
• Money laundering prevention; Ensure you remain alert to the risk of money laundering and assist in the Banks efforts in combating it by adhering to the key principles in relating to ; identifying your customer, know your customer; report suspicious transactions; safeguarding records and not disclosing suspicious to customer.
• Report any identified branch operational risks issues and losses to BOM the same day and report suspicious transactions otherwise
• Ensure high levels of team engagement and satisfaction.
• Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions ; Ensure zero tolerance on errors and satisfactory audit rating.
• Developed annual branch business plan for maximum profitability and effectiveness.
• Established budgets and strategic business plans for daily operations.
• Managed largest branch in Southern region, achieving high customer satisfaction rate
• Verified accuracy of accounting disbursements such as payroll and vendor payments.

• Assisting customers with processing transactions, such as deposits, withdrawals, or payments, resolving complaints or account discrepancies, and answering questions
• Informing customers about bank products and services
• Tracking, recording, reporting, and storing information related to transactions, bank supplies, and customers, ensuring all information is accurate and complete
• Maintaining and balancing cash drawers and reconciling discrepancies
• Packaging cash and rolling coins to be stored in drawers or the bank vault
• Keeping a clean, organized work area and a professional appearance
• Handling currency, transactions, and confidential information in a responsible manner
• Using software to track bank information and generate reports
• Following all bank financial and security regulations and procedures.