Ronald Monare Ntsane

• FICA AML Activities
• Review all alerts for PEP, Sanction and Adverse media triggers of possible matches.
• Conduct independent research to gather and record data from internal systems, commercial databases, and the Internet
• Compiling detailed enhanced due diligence reports for positive matches
• Escalation of true matches to senior management for approval
• Ongoing monitoring of accounts related to true matches
• Assist with screening of third-party suppliers and affiliates
• Handle due diligence investigations to support policies and procedures
• Ensure efficient identification, monitoring and reporting of accounts considered with high risk
• Daily assessment AML reports relating to ongoing monitoring of high-risk accounts
• Stay current with money laundering and terrorist financing behaviours, issues, policies, regulations, criminal typologies, industry best practices, and developing trends
• Help in identifying potential weaknesses in processes
• Act as a subject matter expert to employees, providing guidance on what actions to take in dealing with high-risk accounts related to PEPs, Sanctions and Adverse media customers
• Write and prepare suspicious activity reports (SARs)
• Compliance Monitoring
• I execute risk-based planned compliance monitoring and thematic reviews across all 1Life business channels.
• I develop individual audit plans and detailed scope, deliver the fieldwork, report findings and opinions, agree on corrective actions with auditees, and refer serious or contentious issues to the lead auditor.
• Identify any compliance risks and take immediate remedial action.
• Drive and participate in compliance activities in line with the compliance risk management and monitoring plan.
• Monitor any changes to processes that may have an impact on compliance to legislation, and report these to the MANCO’s & Executive Management.
• Track and follow up on all action items ensuing from monitoring and report activities and thus ensuring effective and appropriate implementation.
• Regulatory & Compliance Management
• Investigate all kinds of incidents and report and provide expert advice to colleagues.
• Identify and minimize risk exposures and ensure adherence to regulatory standards by working with all internal and external functions to ensure that compliance programs are properly implemented.
• Support with the development and implementation of the compliance risk management and monitoring plan.
• Ensuring that all products as well as new products comply with relevant legislation.
• Stakeholder Engagement
• Assist with stakeholder engagement by arranging actions, meetings, events, and supporting materials to promote stakeholder understanding and commitment.
• Develop and maintain relationships with various internal stakeholders.
• Keep all stakeholders informed of regulatory requirements, changes, and deadlines.
• Liaise with Key Individuals and other stakeholders regarding the results of reports, assessments, and enquiries.
• Providing legal advice to various stakeholders within the Group.
• Liaise with Industry bodies regarding complaints.
• Attend project meetings with relevant stakeholders regarding compliance and legal issues.
• Provide compliance advice and solutions to business proactively and on request.
• Ensure management is kept up to date with requirements regarding all applicable legislation.
• Improvement / Innovation in Personal Capability Building
• Identify shortcomings in existing processes, systems, and procedures and identify innovative ways to monitor compliance.
• Develop own capabilities by participating in assessment and development planning activities as well as formal and informal training and coaching; gain or maintain external professional accreditation where relevant to improve performance and fulfil personal potential.
• Keeping abreast with amendments to legislation, industry trends and best practice and maintaining an understanding of relevant technology, external regulation, and industry best practices through ongoing education, attending conferences, and reading specialist media.
• Compliance Management System
• I carry out a range of quality management activities to contribute to the identification and evaluation of current policies and business processes that are in the scope of the Quality Management System and to support the design, development and documentation of new policies, procedures, and business processes.
• Manage the maintenance of an effective compliance system.
• Manage the delivery of compliance automation by proactively looking for automation opportunities.
• Policy Development & Implementation
• I develop policies and procedures for Life and monitor their implementation.
• I drive awareness of these policies and procedures and ensure training is undertaken throughout the organization on an ongoing basis.
• Contract Requirements
• Gather and report on information on existing contract performance and provide as input to the new contract process for negotiations/renegotiations.
• Ensure contracts meet all compliance requirements and where required, notifications have been actioned.
• Identify trends, summarize findings, and give feedback on existing contract requirements, and provide input to ensure compliance in contract processes.
• Industry registrations: FSCA Phase 1 & 2 Compliance Officer and FIC Anti-Money Laundering Reporting Officer Laundering

• Implement and manage the operational plans for the Broker region and ensure that is aligned to the overall business strategy
• Develop, implement and manage risk management strategy for the region
• Manage the effective and efficient delivery/implementation of all projects impacting on the region
• Identify entrepreneurial opportunities, trends, threats, and environmental influences related to the region
• In every interaction and remain passionate, resilient, focused and organized
• Manage the Broker Regional sales target and interpret emerging trends (competitor, market intelligence etc.) and opportunities for Broker Consultants to enhance sales activities
• Ensure a reduction of wastage through the prevention of fraud, resource management and policy claim ratios and the prevention thereof
• Ensure that segmentation insights, information and tool kits are used by Broker Consultants to guide Financial Service Providers (FSP's) to identify and reach target segment customers
• Implement, utilize and oversee the effective utilization of the Distribution Management Operating System to monitor and manage financial performance
• Develop and oversee the implementation of sales plans, in collaboration with the Broker Consultants, to increase new sales opportunities and penetration levels
• Monitor and track Broker Consultant performance to ensure that Broker Consultants meet or exceed agreed productivity, production and quality targets
• Ensure that Broker Consultants optimize sales support zones to appropriately manage poor performance and minimize FSP turn-over
• Induct, develop and support Broker Consultants to meet and exceed performance and productivity standards in order to enable passionate and confident managers
• Recruit, select and retain high-quality Broker Consultants by ensuring an optimum mix of talent in order to build capability to meet current and future staffing needs in accordance with the manpower plan
• Coach, mentor, supervise and establish Broker Consultants to meet and exceed performance standards and enable progression in their career path
• Support and guide Broker Consultants through the decision-making processes by displaying exceptional product knowledge and customer centricity
• Drive awareness of compliance and risk throughout the Region to ensure compliance to company policy and legislation
• Manage the housekeeping and professional image of the Broker Consultants in the Region to ensure that high standards are maintained
• Check and approve the relevant documentation to support the sales process in line with business and risk management practices
• Analyze the profitability within the Region and oversee the formulation and implementation of plans for improvement with the relevant stakeholders
• Build and maintain relationships with clients and stakeholders that promote cross delivery practice
• Solutions
• Contribute to sustaining a competitive edge through external networking and bench marking and representation on related forums
• Engage with key internal and external stakeholders to identify changing client needs and make recommendations to align service offering with client needs
• Manage a client service excellence culture which builds enduring relationships and allows team to provide exceptional client service
• Manage the introduction of new channels for client interaction in order to improve client services against service expectations
• Create a positive work climate and culture to energize employees, give meaning to work, minimize work disruption and maximize employee productivity
• Develop, implement and manage a People Capability plan that ensures that the function has the human resources and skills required to deliver on the strategy for the short-, medium- and long-term
• Lead a learning and growth culture whereby information regarding successes, issues, trends and ideas are actively shared between team members
• Identify employee growth and development needs and schedule interventions to enable ongoing development, training and personal growth
• Effectively manage performance within the team in order to ensure business objectives are achieved
• Ensure that employees are effectively recognized and rewarded in line with organizational practice
• Encourage innovation, change agility and collaboration within the team
• Reason for leaving: A desire to embark into a different role within Insurance.

• Increasing Sales of products through relationship building superior client service and technical knowledge of such products.
• Drive the achievement of the Group Distribution strategy and ensure profitability and growth.
• Build and manage a team of Financial Advisors / Brokers and collaboratively develop individualized business and financial plans.
• Equip Financial Advisors/ Brokers with knowledge through ongoing training and accreditations, informed advice on industry trends and economic performance

• Recruit and manage a portfolio of Financial Advisors / Brokers and collaboratively develop individualized business and financial plans.
• Training and implementing motivational programmes for Brokers and Financial Advisors.
• Financial and profit accountability for the portfolio of Broker / Financial Advisor’s business that is managed.
• Maintaining productive levels with acceptable quality of business and managing the risk of such business.
• Provide specialist advice and support in area of accountability to ensure that identified solutions and recommendations are appropriate and effective.
• Ensure business retention through the application of various sales techniques such as rate negotiations, product comparisons and changing perceptions.
• Provide product training in order to ensure the transfer of product knowledge, enabling appropriate recommendations to Financial Advisors / Brokers
• Ensure that underwriting practice and rules are fully understood and appreciated.
• Resolves any new business and servicing obstacles and blockages to increase Broker/Financial Advisor’s satisfaction and positively influence service perception.
• Accountable for the execution of specialized work including the improvement of quality, standards and outputs within defined work routines and operating procedures.
• Proactively solves problems, determines root-cause and applies solutions in line with guidelines and providing the necessary information to solve problems related to area of specialization.
• Plan for own task execution and advises on improvements related to area of specialization.
• Provide sound consulting services and recommendations based on customer needs, current information, and trends.
• Provide a basic competitor analysis that enables a better understanding of relative product value, features, advantages, and benefits across the range of Liberty products.
• Develops basic insights into client needs and solutions that enable trust and confidence in continued and productive direct support interactions with advisory partners.
• Adhere to specified standards, policies, and procedures to prevent any potential losses.
• Monitoring compliance and ensuring that Financial Advisors / Brokers uphold their responsibility to comply with applicable regulatory requirements by assessing their business, identifying possible risks, and reporting.

• Broker Recruiting, training, and accreditations
• Adhering to industry legislation and promoting and assisting brokers with compliance
• Liaising with different departments to bring solutions to queries.
• Identifying the needs and supporting a portfolio of brokers/clients.
• Development and implementation of marketing plans.
• Continuously analysing competitor strategies
• Efficient application of technology and updating investment knowledge in the business.
• Training and implementing motivational programmes for Brokers.
• Managing Financial and profit accountability for the portfolio of Broker business that is managed.
• Managing the administrative processing and issuing of new business.
• Networking with relevant stakeholders to secure good business and delivering after sales services.
• Management of payment facilities for business and opening of new facilities.
• Maintaining productive levels with acceptable quality of business and managing the risk of such business.

• Set out targets for each employee and allocate them their clients daily.
• Send monthly statistics to Manager at the end of each month (Monthly cancellations, net fall off, lapse ratios, etc.)
• Performing audits of sales calls when needed
• Acting as the link between HR, other departments, and Retentions.
• Training of new consultants joining the team as well as refresher and requested training on products, scripts, and systems.
• Carrying out the monthly performance management (KPI) process to rate each employee’s performance and providing feedback to employees of their strengths and development areas.
• Assisting with and resolving all QA issues.
• Guiding and assisting team members with live Retentions calls.
• Responsible for daily stats and regular reporting.
• Planning work rosters and ensuring that they are being staffed correctly for all Retentions shifts, keeping in mind the needs due to product and language specifications.
• Tracking and liaising with HR regarding employees’ basic salaries, bonuses, and commission.
• Accountable for staff absenteeism and general adherence to the company’s Code of Conduct.
• Daily motivation and general inspirational meetings with the team.
• Providing constant guidance to staff, especially underperformers, to increase morale.

• Overseeing daily running of the call centre team.
• Submitting regular reports to management.
• Conducting performance reviews.
• Ensuring that clients are kept happy and always satisfied by providing prompt response and solutions to all their queries.
• Keeping up with the trends and happenings in the industry and ensuring adherence to industry standards.
• Assisting consultants and thereby ensuring that set targets are reached.
• Schedule and organize shift patterns for consultants to ensure that no client is left unattended.
• Preparing forecasts and targets for the call centre
• Ensuring safe and harmonious working environment for all team members and delegating duties to all.

• Teaming up with Senior Broker Consultant in executing the following roles:
• Recruit and manage a portfolio of Financial Advisors / Brokers and collaboratively develop individualized business and financial plans.
• Training and implementing motivational programmes for Brokers and Financial Advisors.
• Financial and profit accountability for the portfolio of Broker / Financial Advisor’s business that is managed.
• Maintaining productive levels with acceptable quality of business and managing the risk of such business.
• Provide specialist advice and support in area of accountability to ensure that identified solutions and recommendations are appropriate and effective.
• Ensure business retention through the application of various sales techniques such as rate negotiations, product comparisons and changing perceptions.
• Provide product training in order to ensure the transfer of product knowledge, enabling appropriate recommendations to Financial Advisors / Brokers
• Ensure that underwriting practice and rules are fully understood and appreciated.
• Resolves any new business and servicing obstacles and blockages to increase Broker/Financial Advisor’s satisfaction and positively influence service perception.
• Accountable for the execution of specialized work including the improvement of quality, standards and outputs within defined work routines and operating procedures.
• Proactively solves problems, determines root-cause and applies solutions in line with guidelines and providing the necessary information to solve problems related to area of specialization.
• Plan for own task execution and advises on improvements related to area of specialization.
• Provide sound consulting services and recommendations based on customer needs, current information, and trends.
• Provide a basic competitor analysis that enables a better understanding of relative product value, features, advantages, and benefits across the range of Liberty products.
• Adhere to specified standards, policies, and procedures to prevent any potential losses.
• Monitoring compliance and ensuring that Financial Advisors / Brokers uphold their responsibility to comply with applicable regulatory requirements by assessing their business, identifying possible risks, and reporting.

SAQA Credits: 120 (NQF 8)