Gilles Jean Ludovic Bonnafaire

Outputs:

Risk, Regulatory, Prudential & Compliance

• Conduct Compliance reviews by delivering against the Compliance Monitoring Plan across the required business unit area in-line with Group Monitoring standards and methodology,

specifically planning, execution, reporting and record-keeping, to ensure sufficient coverage of material compliance risks.

• Prepare management reports detailing the review findings as required and as per the Group Compliance reporting standards to enable effective risk management decision making.

• Identify and document the root cause of issues identified, with relevant business stakeholders, and recommend mitigation actions to be taken.

• Document and track the required mitigation actions to be taken, this includes logging the findings, action plans, timeframes, and roles and responsibilities.

• Guide and oversee the implementation and closure of the mitigation action plans by obtaining and filing the required evidence to prove mitigation plans have been correctly implemented.

• Provide timely communication on the results of monitoring reviews to Business Units, appropriate Subject Matter Experts and Business Compliance Officers as and when the identified gaps are confirmed instead of raising these at later stages of the review.

• Track and report on the progress of the compliance monitoring plan for an entire Business Unit, along with the embedded risk management function, in order to identify significant compliance breaches, exposures and potential areas of improvement.

• Remain proficient and knowledgeable of best practice in the specialist field of Compliance Monitoring, and provide the necessary recommendations for adaptation and improvement.

• Implement the annual risk based Compliance monitoring plan which strategically covers key Compliance risk exposures within a dedicated portfolio in line with the Group Compliance Monitoring Methodology.

• Escalate high-risk findings to Line Manager to ensure timely mitigation and decision making.

• Execute the Compliance Monitoring Reviews to ensure they are thematic and structural to deliver the required level of assurance within the agreed timelines.

• Execute the Compliance Monitoring processes and activities, as per the approved minimum standards, within a dedicated Portfolio to ensure compliance with bank compliance policies,

applicable laws and regulations.

Client

• Provide effective training, advisory and awareness to enhance the knowledge of the Business Units on the applicable compliance policies, compliance procedures and regulatory requirements on a continuous basis.

• Provide recommendations and guidance to the leadership within a dedicated Portfolio on developing remediation programmes that ensures adherence to compliance policies,

compliance procedures and regulatory requirements.

• Support and facilitate the Group Compliance Monitoring team is undertaking their monitoring reviews in-country as may be advised.

Data

• Capture all required information, throughout each stage of the monitoring process, as per the required data management processes, procedures and standards as set out by the Group

Compliance Data Model.

Strategy

• Provide input into the development and maintenance of the business area's Compliance Monitoring Framework, which specifically reviews the adequacy and effectiveness of compliance controls to ensure adherence to material high-risk, applicable legislation, policies

and standards and is aligned to the Group Monitoring methodology to provide reasonable assurance that the business areas are adequately complying with relevant Regulatory

requirements.

• Assist in processing a range of highly specialised and non-standard trade services client queries and transactions, often requiring some research, verification and / or investigation of information outside of normal procedures. Operate within established policies, procedures, guidelines including ICC Rules governing Trade transactions and International Standards of Organisation (ISO) working instructions to provide a high-quality service to internal and external clients.
• Resolve basic transaction processing and accounts reconciliation issues according to defined timescales to ensure operational accuracy, compliance and efficiency is maintained.
• Provide excellent customer service and a consistent customer experience by completing prescribed checklists per trade services transaction, adhering to established SLAs, and proactively keeping all clients and stakeholders informed and updated on transaction progress. Notify management of client compliments and complaints received and ensure these are logged on the ISO portal for proper corrective and preventative action.
• Manage workflow of transactions. Diarise, monitor and action trade transactions on a continuous basis in accordance with existing turnaround and cut-off times (e.g. Treasury cut off time must be respected). Process works accurately first time around to ensure that errors are kept to a minimum and avoiding rework.
• Verify completeness of data processing such as gathering client information, conducting checks, verifying limits and availability of funds in adherence to the Bank's operations procedures. Ensure required supporting documentation relating to trade services transactions is sought and gathered on time. Check all requests, ensure these are workable, and advise any missing information or documentation.
• Perform first or second check of documents presented under letters of credit in accordance with the Uniform Customs and Practice (UCP) and International Standard Banking Practice (ISBP). Ensure all Documentary Letters of Credit (LC), Standby LC, Guarantee instruments (Issue, Advise, Amend) and Documentary Collections are promptly workable and prepared for issue, advise, amend and settlement for authorisation.
• Plan and execute team workflow to meet service schedules. Provide leadership, work direction, coaching and on the job guidance and training to other processors to support achievement of daily targets, as per defined quality standards. Acknowledge, attend to, resolve and / or escalate all queries, problems and processes approvals, such as risk or credit approvals, within clearly established guidelines and within turnaround time.
• Assist Service, Sales and Relationship Managers with client education on relevant trade product if and when requested. Use product knowledge to advise and guide clients on discrepancies and risk associated with those as well as impact these might have on settlement.
• Prepare sectional statements and reports timely and accurately to meet department requirements, policies and quality standards. Update and maintain document registers, accurate and timely e-filing of records and databases on the operations of the Unit to ensure accountability and facilitate future reference to transactions carried out.
• Report all risk incidents, systems issues, and suspicions related to regulatory or compliance matters, any facts that could lead to a possible delay / default / impairment on the source of repayments of the transaction, and any overdue / shortfall situations to management immediately in order to avoid any breaches.
• Keep abreast of any developments within the trade finance field. Contribute to the identification of opportunities for continuous improvement and sustainability of systems, automation, digitisation, processes and practices within the assigned area of business considering global standards, productivity improvement and cost reduction.

• Responsible for managing and responding to customer requirements on a face to face basis. Ensuring customer expectations are met, actively looking at the queries and following through to resolution. Queries to be reduced through root cause analysis.
• Set up and installation of POS terminals in customer premises
• Establish, build and maintain ongoing relationships with customers and their staff to develop and protect business income
• Reactivation of dormant merchants with portfolio
• Develop excellent relationship with Corporate Rms and Branch network for referrals
• Assist merchant queries whether on pos and ecommerce
• Assist Head of Acquiring and Merchant Account Executive in the recruitment of merchant on E-commerce
• Set up of merchant on e-commerce platform
• Identify potential merchants and work with Acquiring Manager on recruitment
• Review of merchant turnover regularly to identify dormant terminals and take appropriate actions

• Assist in processing a range of highly specialised and non-standard trade services client queries and transactions, often requiring some research, verification and / or investigation of information outside of normal procedures. Operate within established policies, procedures, guidelines including ICC Rules governing Trade transactions and International Standards of Organisation (ISO) working instructions to provide a high-quality service to internal and external clients.
• Resolve basic transaction processing and accounts reconciliation issues according to defined timescales to ensure operational accuracy, compliance and efficiency is maintained.
• Provide excellent customer service and a consistent customer experience by completing prescribed checklists per trade services transaction, adhering to established SLAs, and proactively keeping all clients and stakeholders informed and updated on transaction progress. Notify management of client compliments and complaints received and ensure these are logged on the ISO portal for proper corrective and preventative action.
• Manage workflow of transactions. Diarise, monitor and action trade transactions on a continuous basis in accordance with existing turnaround and cut-off times (e.g. Treasury cut off time must be respected). Process works accurately first time around to ensure that errors are kept to a minimum and avoiding rework.
• Verify completeness of data processing such as gathering client information, conducting checks, verifying limits and availability of funds in adherence to the Bank's operations procedures. Ensure required supporting documentation relating to trade services transactions is sought and gathered on time. Check all requests, ensure these are workable, and advise any missing information or documentation.
• Perform first or second check of documents presented under letters of credit in accordance with the Uniform Customs and Practice (UCP) and International Standard Banking Practice (ISBP). Ensure all Documentary Letters of Credit (LC), Standby LC, Guarantee instruments (Issue, Advise, Amend) and Documentary Collections are promptly workable and prepared for issue, advise, amend and settlement for authorisation.
• Plan and execute team workflow to meet service schedules. Provide leadership, work direction, coaching and on the job guidance and training to other processors to support achievement of daily targets, as per defined quality standards. Acknowledge, attend to, resolve and / or escalate all queries, problems and processes approvals, such as risk or credit approvals, within clearly established guidelines and within turnaround time.
• Assist Service, Sales and Relationship Managers with client education on relevant trade product if and when requested. Use product knowledge to advise and guide clients on discrepancies and risk associated with those as well as impact these might have on settlement.
• Prepare sectional statements and reports timely and accurately to meet department requirements, policies and quality standards. Update and maintain document registers, accurate and timely e-filing of records and databases on the operations of the Unit to ensure accountability and facilitate future reference to transactions carried out.
• Report all risk incidents, systems issues, and suspicions related to regulatory or compliance matters, any facts that could lead to a possible delay / default / impairment on the source of repayments of the transaction, and any overdue / shortfall situations to management immediately in order to avoid any breaches.
• Keep abreast of any developments within the trade finance field. Contribute to the identification of opportunities for continuous improvement and sustainability of systems, automation, digitisation, processes and practices within the assigned area of business considering global standards, productivity improvement and cost reduction.

• Process a range of highly specialised and non-standard trade services client queries and transactions, often requiring some research, verification and / or investigation of information outside of normal procedures. Operate within established policies, procedures, guidelines including ICC Rules governing Trade transactions and International Standards of Organisation (ISO) working instructions to provide a high-quality service to internal and external clients.
• Resolve basic transaction processing and accounts reconciliation issues according to defined timescales to ensure operational accuracy, compliance and efficiency is maintained.
• Provide excellent customer service and a consistent customer experience by completing prescribed checklists per trade services transaction, adhering to established SLAs, and proactively keeping all clients and stakeholders informed and updated on transaction progress. Notify management of client compliments and complaints received and ensure these are logged on the ISO portal for proper corrective and preventative action.
• Manage workflow of own transactions. Diarise, monitor and action trade transactions on a continuous basis in accordance with existing turnaround and cut-off times (e.g. Treasury cut off time must be respected). Process works accurately first time around to ensure that errors are kept to a minimum and avoiding rework.
• Prepare and complete data processing such as gathering client information, conducting checks, verifying limits and availability of funds in adherence to the Bank's operations procedures. Ensure required supporting documentation relating to trade services transactions is sought and gathered on time. Check all requests, ensure these are workable, and advise any missing information or documentation.
• Perform first or second check of documents presented under letters of credit in accordance with the Uniform Customs and Practice (UCP) and International Standard Banking Practice (ISBP). Ensure all Documentary Letters of Credit (LC), Standby LC, Guarantee instruments (Issue, Advise, Amend) and Documentary Collections are promptly workable and prepared for issue, advise, amend and settlement for authorisation.

• Conduct review records for existing bank customers to update information where required
• Assist in the identification and collection of missing information for all bank customer profiles
• Implement remediation efforts to organise and manage existing physical files effectively
• Transition bank customer records to a digital format to enhance accessibility and streamline retrieval processes