Nomfusi Mildred Jwaai

• Collaborated cross-functionally with other departments such as finance, accounting, tax, legal, and procurement to ensure seamless integration of treasury-related activities.
• Optimized cash flow by implementing effective cash management strategies and monitoring daily liquidity positions.
• Improved financial risk management by establishing policies, procedures, and internal controls to mitigate potential risks.
• Reduced bank fees by negotiating favorable banking terms and services agreements with multiple financial institutions.
• Maintained adequate liquidity levels through proactive cash management techniques including borrowing under credit facilities or investing surplus funds in short-term instruments when appropriate.
• Contributed to annual budgeting processes by providing accurate projections of interest income, expenses, and capital expenditures related to treasury operations.
• Provided valuable insights to senior management on matters related to cash, investments, and risk management for informed decisionmaking.
• Kept abreast of industry trends and market developments to ensure the organization''s treasury function remained competitive and effective.
• Enhanced investment portfolio performance by conducting thorough analysis and making informed decisions on diverse investment options.
• Drafted treasury reports to support management decision-making needs.

• Manage operations team
• Manage the back office administration of the treasury department
• Daily cash flow forecasting and deal settlements
• Daily treasury accounting
• Manage staff related matters in conjunction with Human Capital
• Keep abreast of PFMA, Treasury Regulations, SARB Regulations and with the company’s policies and procedures
• Responsible for cash management and investments
• Prepare daily, monthly, quarterly reporting
• Authorization of deal amendments and cancellations
• Responsible for cash forecasting short and long term
• Responsible for liquidity risk management
• Bank reconciliation management
• Responsible for, bank relationship and credit exposures
• Maintain creditor master data
• Manage the foreign exchange risk
• Manage foreign payment in accordance with SARB policies
• Trade finance and guarantees management
• Support the importation of petroleum products
• Establish letters of credit and guarantees to support the product
• Reconcile shipping and clearing documents to the invoice

• Collaborated cross-functionally with other departments such as finance, accounting, tax, legal, and procurement to ensure seamless integration of treasury-related activities.
• Developed strong relationships with banking partners for improved service levels and competitive pricing negotiations.
• Optimized cash flow by implementing effective cash management strategies and monitoring daily liquidity positions.
• Improved financial risk management by establishing policies, procedures, and internal controls to mitigate potential risks.
• Streamlined payment processes by implementing an electronic payment system that reduced manual errors and increased operational efficiency.
• Implemented robust cash forecasting models to accurately predict future cash needs and inform decision-making within the organization.
• Reduced bank fees by negotiating favorable banking terms and services agreements with multiple financial institutions.
• Contributed to annual budgeting processes by providing accurate projections of interest income, expenses, and capital expenditures related to treasury operations.
• Provided valuable insights to senior management on matters related to cash, investments, and risk management for informed decisionmaking.

• Managed and traded on money market and foreign currencies
• Responsible for Treasury risk mitigation such as interest rates, foreign exchange, liquidity and counterparty risks
• Create and maintain a network of contacts with financial institutions both local and international
• Analyse financial markets Reuters
• Research the market for better investment opportunities within the limits of the investment policy
• Responsible for the management of the petty cash office as well as the travel claims function for the group
• Oversee the payment process to ensure that all payments from SAP are executed timeously via in- house banking system
• Complete year-end reporting pack for the treasury function

• Raised funds in the corporate market
• Issue bank paper such as NCD’s and PN’s to corporate
• Corporate client relationship management
• Nurture and manage a network of corporate relationship
• Build relationship, retain and grow bank’s cash book in raising funding in the market in order to support the bank investments projects

Dealing Equities and later moved onto Client Relationship Management