Nicola Appel

• Implementation and monitoring of Corporate Governance, Monitoring of Representative Register making sure reports are prepared and submitted within the required timelines to the various regulators such as FSCA, Monitoring of the Weekly/Monthly Supervision Report in ensuring that reports are up to date and in line with all relevant legislation and business procedures and policies, Call listening to check compliance with sales script & monitoring of client applications, Evaluation and provide feedback on Call Evaluation forms and Supervision Appraisals, Design, develop & maintain internal control systems, procedures & policies to ensure compliance with legislation and industry standards/guidelines, Setting up and establish training modules, programs and/or presentation to ensure staff and customer education as required by law and as identified to improve compliance within the business, Assisting with meetings, taking of minutes, and preparing all relevant documents for discussions, Monitor strategic and operational registers in line with legislation and internal process, Ensuring that all customer facing documentation are upheld in order to be compliant with legislation, Assist Director in ensuring that businesses do not operate without license and operates within licensing conditions, Compliance Reporting to External Compliance Officer and Company Directors, Assisting with FSCA Compliance Audit by updating required documents and registers and preparing Key Role Players for possible interviews, Design, develop & maintain internal control systems, procedures & policies to ensure compliance with legislation and industry standards / guidelines, Report and investigate on non-compliance and track progress made by business units to address previously reported contraventions, Review Monitoring and Supervision plans for all applicable legislation in line with the regulatory universe, Assisting employees with the grievance process, Assisting with Compiling and completing with the drawing up of warnings, Completing investigations into employee misconducts, Requesting finalized warnings, notice of suspension/hearing from external Labor Lawyers, Joblaw, Monitoring hearing processes internally, CCMA and Tribunal and provide weekly feedback to Director, Making sure the company complies with Labor laws, Acts as counsel on issues involving company compliance and regulatory standards, Vetting of legal contacts, binder agreements, NDA, etc., Supports the successful resolution of material commercial negotiations, claims and disputes, Reviews legal documentation and provides advice on appropriate action, and drafts the necessary documents and reports, Managing two intern groups, Human Resources and Compliance, Delegation of duties to administrators/interns, Creating a Training and development plan for each division (HR & Compliance), Development feedback on work completed for interns/administrators, Updating leave forms and giving feedback on applications, Log stationary and technical problems that arises within the business and external providers, Appointed 16.2, Responsible for first-aid, Fire Marshall and SHE Rep Appointments, Responsible for the OHS file, policies, risk assessments, Minutes of meetings, Arrange training for First Aid, Fire Marshalls and SHE reps, First-aider, Fire Marshall, SHE Representative
• Developed and maintained compliance database, tracking all compliance activities and documents.
• Responded to employee inquiries regarding compliance regulations and procedures.
• Maintained up-to-date knowledge of current and emerging compliance regulations.
• Monitored and assessed compliance risks associated with operational processes and procedures.
• Assisted with internal and external audits to confirm compliance with applicable laws and regulations.
• Developed comprehensive training programs to increase employee awareness of compliance requirements and expectations.
• Developed and maintained system for tracking and reporting compliance violations.
• Reviewed, revised and updated compliance policies and procedures to confirm continual compliance with applicable laws.
• Managed relationships with regulators, maintaining open lines of communication to ensure transparent operations.
• Identified, investigated and documented compliance violations and recommended corrective measures.
• Evaluated new regulations for potential impact on business operations, taking proactive measures to ensure readiness for implementation.
• Collaborated with cross-functional teams to address compliance concerns, fostering a culture of shared responsibility.
• Assisted in negotiating contracts with external partners, ensuring adherence to relevant regulatory requirements throughout the partnership lifecycle.
• Investigated and documented all violations of compliance regulations to determine necessary improvements.
• Demonstrated adaptability in response to evolving industry standards, maintaining best practices in a dynamic regulatory environment.
• Prepared and submitted regulatory filings in timely manner.
• Enhanced regulatory compliance by developing and implementing comprehensive policies and procedures.
• Mitigated legal risks by proactively identifying gaps in existing policies and recommending improvements.
• Championed ethical business practices, instilling a sense of corporate social responsibility across all departments.
• Collaborated with sales and marketing departments and other business units to address indications of improper sales practices and market conduct violations.
• Reduced risk of financial penalties by conducting thorough internal audits on a regular basis.
• Promoted culture of continuous improvement through ongoing evaluation and refinement of compliance program elements.
• Ensured timely identification of potential issues by establishing robust monitoring systems and controls.
• Provided expert guidance on complex regulatory matters, enabling informed decision-making within the organization.
• Implemented improvement initiatives and developed compliance testing program to monitor and identify gaps in new and existing practices.
• Spearheaded investigations into potential violations, promptly addressing issues to maintain company reputation and avoid sanctions.
• Collaborated with internal and external stakeholders, auditors and legal counsel to confirm compliance with applicable laws and regulations.
• Designed risk assessment frameworks to evaluate organizational vulnerabilities and prioritize areas requiring attention.
• Streamlined reporting processes for improved efficiency in submitting data to regulatory agencies.
• Implemented successful remediation efforts following audit findings, minimizing adverse consequences for the organization.
• Advised senior management on strategic planning initiatives, incorporating compliance considerations into decision-making processes.
• Collaborated closely with legal counsel on high-profile cases involving litigation or enforcement actions.
• Leveraged technology solutions for efficient tracking and reporting of compliance-related activities and metrics.
• Managed practical action plans to respond to audit discoveries and compliance violations.
• Developed risk assessment models to identify potential compliance risks.
• Warned violators of infractions or penalties.
• Maintained up-to-date knowledge of applicable laws and regulations.
• Advised clients on compliance fraud and investigations, as well as potential remedies and required actions.
• Conducted periodic compliance audits and reviews to identify areas of improvement.
• Kept informed regarding pending industry changes, trends or best practices.
• Assisted with development of compliance objectives and strategies.
• Developed and implemented corrective action plans for non-compliance issues.
• Took notes on field examinations and specific case details, updated databases and produced reports outlining results of investigations.
• Confirmed data and licensing information through investigations and notified violators of required changes to bring operations into compliance.

• Implementation and monitoring of Corporate Governance, Monitoring of the Representative Register making sure reports are prepared and submitted within the timelines to the various regulators such as FSCA, Monitoring of the Weekly/Monthly Supervision Report in ensuring that the reports are up to date and in line with all relevant legislation and business procedures and policies, Call listening to check compliance with sales script & monitoring of client applications, Evaluation and provide feedback on Call Evaluation forms and Supervision Appraisals, Design, develop & maintain internal control systems, procedures & policies to ensure compliance with legislation and industry standards/guidelines, Setting up and establish training modules, programs and/or presentation to ensure staff and customer education as required by law and as identified to improve compliance within the business, Assisting with meetings, taking of minutes, and preparing all relevant documents for discussions, Monitor strategic and operational registers in line with legislation and internal process, Ensuring that all customer facing documentation are upheld in order to be compliant with legislation, Assist Director in ensuring that businesses do not operate without license and operates within licensing conditions, Compliance Reporting to External Compliance Officer and Company Directors, Assisting with FSCA Compliance Audit by updating required documents and registers and preparing Key Role Players for possible interviews, Design, develop & maintain internal control systems, procedures & policies to ensure compliance with legislation and industry standards / guidelines, Report and investigate on non-compliance and track progress made by business units to address previously reported contraventions, Review Monitoring and Supervision plans for all applicable legislation in line with the regulatory universe, Assisting employees with the grievance process, Assisting with Compiling and completing with the drawing up of warnings, Completing investigations into employee misconducts, Requesting finalized warnings, notice of suspension/hearing from external Labor Lawyers, Joblaw, Monitoring hearing processes internally, CCMA and Tribunal and provide weekly feedback to Director, Making sure the company complies with Labor laws, Acts as counsel on issues involving company compliance and regulatory standards, Vetting of legal contacts, binder agreements, NDA, etc., Supports the successful resolution of material commercial negotiations, claims and disputes, Reviews legal documentation and provides advice on appropriate action, and drafts the necessary documents and reports, Managing two intern groups, Human Resources and Compliance, Delegation of duties to administrators/interns, Creating a Training and development plan for each division (HR & Compliance), Development feedback on work completed for interns/administrators, Updating leave forms and giving feedback on applications, Log stationary and technical problems that arises within the business and external providers, First-aider, Fire Marshall, SHE Representative

• Perform all the related investigations related to the KYC process contained in and alerted by the Instinct application during the customer on-boarding process, Perform all the related investigations related to the KYC process contained in and alerted by the SunfircoSoft application for on-book customers, Perform all the related investigations related to annual reviews or as indicated by the BNP procedures which are subject to regular reviews and amendments, Escalate all investigated high-risk incidents to the Financial Security Officer, Provide all the required information to the CAC Secretary for validation and steer, Perform all the administrative tasks & ad-hoc requests related to KYC as required by the Company Financial Security Officer, Complete and report on all Transaction Monitoring investigations to Financial Security Officer by the required deadline date, Perform expense audits to ensure integrity of the granting & IV process, Perform any audits or investigations required by the business Identify and suggest improvement initiatives to the business

Developed customized financial plans for beneficiaries, ensuring long-term financial stability and growth.

• Coordinated estate planning strategies with external advisors to optimize wealth preservation for high net worth clients.
• Established strong relationships with clients by providing exceptional customer service and support.
• Assisted in onboarding of new clients, smoothly transitioning them into company's trust services.
• Prepare checklist for clients.
• Create client folder on Teammate(intranet system) and upload relevant clients information Follow up with clients to get information via email or phone call
• Prepare packs J401that needs to be submitted to t Masters office
• Drafting of LOA Amendments, resignation letters and Affidavit for clients and Masters. Prepare J409 packs once LOA, Trust Deed Amendments are completed
• Ensuring FICA compliance, collecting supporting documents & signatures and send information back clients.

• Collaborated closely with management on strategies to improve overall client satisfaction and engagement within the company.
• Streamlined communication between departments, ensuring efficient resolution of client requests and concerns.
• Provided valuable insights for process improvements, leading to more efficient operations within the organization.
• Collaborated with internal teams to develop customized solutions that addressed unique client challenges.
• Loading all clients onto the database Check emails & correspondence
• Archiving; Scanning Client folders, rename & save according
• Attend to all loading, amending & updating of all clients & entities information on database Prepare Packs for brokers
• Obtaining Quotations
• Check Packs & statuses-update database Client liaison via email & telephone
• Drawing astute: Request FICA & edit Financial Information Take minutes in meeting
• Update the database & server regularly Occasionally assisting with commission issues Submit policy cancellations
• Type letters or documents when requested Arrange medical appointments for clients Keep a new monthly business register
• Booking training sessions with the companies the advisors are doing business with and attending these sessions
• Log stationary and technical problems that arises Occasionally assisting with commission issues Submit policy cancellations
• Type letters or documents when requested Arrange medical appointments for clients Keep a new monthly business register
• Booking training sessions with the companies the advisors are doing business with and attending these sessions
• Log stationary and technical problems that arises

• Expanded customer base through cold calling, networking, and relationship building.
• Enhanced client satisfaction by addressing concerns promptly and providing exceptional service.
• Developed and implemented sales strategies to increase profits.
• Trained and mentored new sales representatives.
• Selling Contracts for Standard Bank Presenting different solutions of package
• Selling Life -, Salary protection-, Serious Illness- and Disability cover Driving targets
• Assisting the needs of the client 200-350 client calls per day
• Assisting with team filling and keeping records
• Compiling information and sending it to various parties involved Main effective filling system

• Handled sensitive information discreetly, maintaining strict confidentiality at all times as required by company policy or legal regulations.
• Computerized office activities, maintained customer communications, and tracked records through delivery.
• Collected, validated, and distributed information to employees.
• Managed office inventory levels, ensuring adequate supplies were available while minimizing waste and unnecessary spending.
• Assisting the Compliance Manager with, inter alia, implementation and monitoring of Corporate Governance, Monitoring of the Representative Register making sure reports are prepared and submitted within the timelines to the various regulators such as FSCA
• Monitoring of the Weekly/Monthly Supervision Report in ensuring that the reports are up to date and in line with all relevant legislation and business procedures and policies.
• Assist to design, develop & amp maintain internal control systems, procedures & policies to ensure compliance with legislation and industry standards/guidelines.
• Assist to set up and establish training modules, programs and/or presentation to ensure staff and customer education as required by law and as identified to improve compliance within the business.
• Assisting with meetings, taking of minutes, and preparing all relevant documents for discussions Monitor strategic and operational registers in line with legislation and internal process.
• Assist with the identifying of potential areas of compliance vulnerability and risk, develop and implement corrective action plans for resolving problematic issues and provide general guidelines on how to avoid or deal with similar situations in future.
• Assist to ensure that all customer facing documentation are upheld in order to be compliant with legislation. Assist Compliance Manager in ensuring that businesses do not operate without license and operates within licensing conditions.
• Assist to design, develop & maintain internal control systems, procedures & policies to ensure compliance with legislation and industry standards / guidelines.
• Compile compliance review plans based on legislative requirements, conduct compliance reviews on various business units and draft detailed compliance review reports.
• Report on non-compliance and track progress made by business units to address previously reported contraventions.
• Review monitoring plans for all applicable legislation in line with the regulatory universe.
• Assist with the identifying of potential areas of compliance vulnerability and risk, develop and implement corrective action plans for resolving problematic issues and provide general guidance on how to avoid or deal with similar situations in future.
• Monitor strategic and operational registers in line with legislation and internal processes.
• Assist to ensure all customer facing documentation is updated in order to be compliant with legislation. Assist to set up and establish training modules, programs and/or presentations to ensure staff and customer education as required by law and as identified to improve compliance within the business.
• Work closely with the various role players in the Legal Compliance office in terms of legal services, resolving customer complaints and corporate governance functions.

• Expanded customer base through cold calling, networking, and relationship building.
• Enhanced client satisfaction by addressing concerns promptly and providing exceptional service.
• Developed and implemented sales strategies to increase profits.
• Trained and mentored new sales representatives.
• Used customer insights to develop innovative sales strategies to increase sales.
• Developed and maintained comprehensive understanding of products, services and competitors to enhance sales presentations.
• Increased sales revenue by identifying and targeting high-potential accounts.
• Generated weekly and monthly reports on sales performance to provide recommendations to meet sales goals.
• Retained excellent client satisfaction ratings through outstanding service delivery.
• Managed customer accounts to secure customer satisfaction and repeat business.
• Met with existing customers and prospects to discuss business needs and recommend optimal solutions.
• Developed and delivered engaging sales presentations to convey product benefits.
• Generated new leads through networking and attending industry events.

• Expanded customer base through cold calling, networking, and relationship building.
• Enhanced client satisfaction by addressing concerns promptly and providing exceptional service.
• Developed and implemented sales strategies to increase profits.
• Trained and mentored new sales representatives.
• Developed and maintained comprehensive understanding of products, services and competitors to enhance sales presentations.
• Increased sales revenue by identifying and targeting high-potential accounts.
• Generated weekly and monthly reports on sales performance to provide recommendations to meet sales goals.

• Expanded customer base through cold calling, networking, and relationship building.
• Enhanced client satisfaction by addressing concerns promptly and providing exceptional service.
• Developed and implemented sales strategies to increase profits.
• Developed and maintained comprehensive understanding of products, services and competitors to enhance sales presentations.
• Increased sales revenue by identifying and targeting high-potential accounts.

• Handled customer inquiries, complaints, and returns professionally, ensuring a positive experience for all clients.
• Increased sales by building strong customer relationships and providing excellent service.
• Helped customers locate products and checked store system for merchandise at other sites.
• Assisted customers in making informed decisions by offering detailed product knowledge and comparisons.
• Managed inventory to ensure optimal stock levels, minimizing overstock and out-of-stock situations.
• Enhanced customer satisfaction with personalized product recommendations based on their needs and preferences.
• Assisted customers with prompt and polite support in-person and via telephone.
• Remained calm and poised in high-stress, dynamic environment to promote service to customers and staff.
• Kept up-to-date records of daily sales activities, monitoring progress towards individual goals.
• Fielded customer questions to share information about products, availability, and pricing.
• Processed transactions accurately while maintaining a high level of customer service.
• Used consultative sales techniques to understand customer needs and recommend relevant products and services.
• Collaborated with team members to achieve a cohesive and efficient store environment.
• Participated in ongoing training to stay updated on current products, promotions, and industry trends.
• Established rapport with customers using active listening and interpersonal skills.
• Supported store management with administrative tasks such as scheduling appointments or updating client records.
• Boosted store revenue through upselling and cross-selling techniques.
• Stocked merchandise, clearly labeling items, and arranging according to size or color.
• Managed efficient cash register operations.
• Delivered energetic responses to customers in-store and by telephone, going above and beyond to serve needs.
• Recommended complementary purchases to customers, increasing revenue.