Refilwe Marcia Maboa
Johannesburg
Summary
Experienced Internal Auditor with a strong background in banking, credit, credit risk, lending, and risk management, complemented by proven expertise in audit project management. I bring a comprehensive skill set spanning auditing, risk assessment, data analytics, and banking operations, underpinned by a solid academic foundation and extensive practical experience. I have a demonstrated ability to mentor, coach, and develop trainees and colleagues across varying levels of experience, consistently fostering high-performing teams and supporting professional growth. I am recognized for my strong written and verbal communication skills, coupled with independent thinking, sound professional judgment, and a keen eye for detail, enabling me to deliver insightful, high-quality audit outcomes.
Overview
11
11
years of professional experience
Work History
Internal Auditor
FirstRand Group
11.2021 - Current
- Lead, plan, execute, and conclude audit engagements across a range of business areas, ensuring high-quality and risk-focused outcomes.
- Conducted data-driven audits to identify and assess emerging high-risk trends, providing timely reports to inform risk management strategies.
- Leveraged Computer-Assisted Audit Techniques (CAATs) and integrated data analytics into audit processes, enhancing analysis depth and operational efficiency.
- Prepare clear, concise audit reports and effectively communicate findings and recommendations to relevant stakeholders.
- Present complex audit issues and insights to senior stakeholders, facilitating informed decision-making.
- Built and maintained collaborative relationships with key stakeholders, facilitating effective communication and cooperation in audit processes.
- Collaborate with team members by sharing plans, knowledge, and resources to foster a positive and high-performing work environment.
- Contribute to the Combined Assurance framework by partnering with other assurance providers to ensure comprehensive risk coverage.
- Key Audit Exposure: Retail and Commercial Credit, Lending, Insurance, Operations, Regulatory Audits, Retail and Commercial Transactional Products, Pricing, ACR, Trade Finance, Risk Maturity Assessments and Online Banking.
Private Banker Analyst, Wealth
First National Bank
01.2020 - 10.2021
- Structured and executed both simple and complex lending solutions for private clients.
- Delivered tailored financial solutions to private clients, ensuring high levels of satisfaction and retention.
- Achieved sales targets through strategic client engagement initiatives.
- Acted as the primary point of contact for escalated issues, resolving them promptly and effectively.
- Supported client reviews, providing insights that enhanced service delivery.
- Collaborated with internal teams to align client needs with business objectives and optimize service.
- Maintained compliance with regulatory standards while promoting a customer-first approach.
Support Banker
First National Bank
11.2016 - 01.2020
- Achieved financial targets and upheld service levels to support business objectives.
- Facilitated client onboarding processes by collecting necessary documentation and guiding clients through account setup.
- Improved service efficiencies by identifying opportunities, suggesting solutions, and migrating clients’ accounts to Self Service.
- Educated clients on bank products and services to facilitate client migration.
- Tracked and controlled service activities to enhance overall service efficiencies.
- Successfully executed relevant objectives for client campaigns and initiatives.
- Client Retentions Desk (retain clients, downgrade clients)
- Provision of an efficient administration service through careful and timeous planning, reporting and updating of all related information.
Auditing Intern
DAS Audit
01.2015 - 12.2015
- Executed audit fieldwork, conducting process walkthroughs, control testing, and documenting audit evidence to ensure compliance and accuracy.
- Reviewed financial statements to ensure accuracy and adherence to regulations.
- Reviewed financial documents, including invoices and bank statements, to verify accuracy and identify discrepancies.
- Assisted in conducting internal audits for compliance and operational effectiveness.
- Collaborated with team members to gather data for audit reports and findings.
Education
Certified Internal Auditor - Part 2 and 3
Institute of Internal Auditors
Johannesburg, South Africa11-2026
Internal Audit Practitioner - Internal Auditing
Institute Of Internal Auditors
Johannesburg, South Africa02-2026
Analysing Banking Risk - Banking And Finance
FirstRand Academy
Sandton, South Africa01-2024
Complete Introduction to Business Data Analysis -
Udemy
South Africa01-2023
Beginner’s Guide to Data & Data Analytics -
SF Data School
South Africa01-2023
Auditing: Cradle to Grave - Internal Auditing
Leadership Academy
Johannesburg, South Africa01-2022
First Level Regulatory Examination Certificate -
Financial Planning Institute of South Africa
Johannesburg, South Africa01-2018
BCom Honours - Internal Auditing
University of Johannesburg
Johannesburg, South Africa12-2016
BCom - Accounting
University of Johannesburg
Johannesburg, South Africa12-2015
Grade 12 -
Sunward Park High School
Boksburg, South Africa12-2011
Skills
- Auditing compliance
- Audit methodology
- Risk assessment
- Financial reporting
- Data analysis
- Findings reporting
- Stakeholder management
- Team collaboration
- Communication skills
References
- Chester Ramatsekisa, Internal Audit Manager, FirstRand Group Internal Audit, 072 486 7790
- Lwazi Roto, Sales and Service Manager, FNB Private Banking and Advisory, Lwazi.Roto@fnb.co.za, 082 569 0988
Timeline
Internal Auditor
FirstRand Group
11.2021 - Current
Private Banker Analyst, Wealth
First National Bank
01.2020 - 10.2021
Support Banker
First National Bank
11.2016 - 01.2020
Auditing Intern
DAS Audit
01.2015 - 12.2015
Certified Internal Auditor - Part 2 and 3
Institute of Internal Auditors
Internal Audit Practitioner - Internal Auditing
Institute Of Internal Auditors
Analysing Banking Risk - Banking And Finance
FirstRand Academy
Complete Introduction to Business Data Analysis -
Udemy
Beginner’s Guide to Data & Data Analytics -
SF Data School
Auditing: Cradle to Grave - Internal Auditing
Leadership Academy
First Level Regulatory Examination Certificate -
Financial Planning Institute of South Africa
BCom Honours - Internal Auditing
University of Johannesburg
BCom - Accounting
University of Johannesburg
Grade 12 -
Sunward Park High School