229 Mortgage Advisor jobs in South Africa

About Discovery
Discovery's core purpose is to make people healthier and to enhance and protect their lives. We seek out and invest in exceptional individuals who understand and support our core purpose, and whose own values align with those of Discovery. Our fast-paced and dynamic environment enables smart, self-driven people to be their best. As global thought leaders, Discovery is passionate about innovating in order to not only achieve financial success, but to ignite positive and meaningful change within our society.

About Discovery Bank
Discovery Bank is a bank like no other – a shared-value bank, designed with our clients in mind. We're all about sharing the value that clients create when they manage their money well, back with them through exceptional interest rates and rewards. Our Vitality Money programme measures how well clients manage their finances, informs them of what it means to be financially healthy, and empowers them with the knowledge to get enhanced rewards for managing their money well. If you're adaptable, a problem-solver, always questioning the way things are done, passionate about doing what is right, and obsessed with providing a quality service experience, we have a job for you where you can be your best in an environment that's safe and nurturing.

Job Purpose
We are seeking an experienced and dynamic Product Manager for the Home Loans product line. This role requires a strategic thinker with a passion for delivering innovative financial solutions. As the Product Manager for Home Loans, you will be responsible for the end-to-end lifecycle of the home loans product, from ideation to implementation and beyond. You will collaborate with cross-functional teams to drive product growth, enhance customer experience, and achieve business goals.

Areas of responsibility may include but are not limited to
:

• Assist in defining the product roadmap:
• Ensure that the Home Loan product is fit for purpose and aligns to the strategic objectives of the Bank
• Researching new areas and opportunities for product development
• Assisting in identifying and prioritising areas for new product development through the relevant approval forums
• Developing new products and features:
• Define new product initiatives or changes to existing products

• Assess the viability and feasibility of any changes:

• Conduct market/competitor/client focused research to understand potential opportunities and establish feasibility of products,

• Build up a business case to support any changes

• Work with technical teams to determine feasibility of implementation

• Driving implementation of new initiatives:

• Clearly specify products that are clear and concise which enable the systems team to implement, business analysts to design appropriate support processes, training material to be developed and the design of marketing assets
• Manage the full product life cycle, from specification to testing of functionality prior to new developments going live
• Monitor actual project progress and resolve issues speedily to support delivery
• Product ownership:
• Monitor take-up, impact and financial performance of the product against the agreed targets
• Ensure the product functions as intended and address any gaps or defects identified
• Monitor and manage exceptions and escalations
• Manage and prioritise a "backlog" of product changes to deliver on overall targets and objectives
• Assist in managing external partner relationships
• Provide specialist support to the Servicing and Operations teams dealing with complex cases
• Collaborate across functions to continuously improve the product

Personal Attributes And Skills

• Strong analytical and strategic thinking abilities
• Excellent communication and interpersonal skills
• Proficiency in product management and product development methodologies
• Ability to work effectively in a fast-paced, dynamic environment
• Proficient in data analysis and market research techniques

Education And Experience

• Bachelor's degree in Business, Finance, Marketing, or related field
• MBA or equivalent is advantageous
• A minimum of 5 years' retail banking experience in a Product Development / Product Manager role, particularly with experience pertaining to home loans
• Demonstrated ability to deliver on complex projects in a retail banking and / or payment space
• Extensive experience in working with systems delivery teams in a digital first organisation

EMPLOYMENT EQUITY

The Company's approved Employment Equity Plan and Targets will be considered as part of the recruitment process. As an Equal Opportunities employer, we actively encourage and welcome people with various disabilities to apply.

Empowering Africa's tomorrow, together…one story at a time.

With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

Job Summary

• Manage a portfolio of defended legal matters involving home loans, including litigation, mediation, and settlement negotiations.
• Liaise with external attorneys, counsel, and internal stakeholders to ensure effective resolution of cases.
• Provide strategic legal advice and risk assessments on defended matters.
• Ensure compliance with relevant legislation, regulations, and internal policies.
• Monitor legal trends and case law developments impacting home loan litigation.

Job Description

Responsible for all defended matters (trial, applications, appeals) and ensuring all matters tagged

correctly on DM.

Management of the Rescission Application portfolio.

Responsible for compiling reports and sharing with Group Litigation.

After Plea is received, ensure Form B is sent to Group Litigation and review the Plea.

Conducting Monthly meetings with Group Litigation.

Managing the legal cost for Defended Homeloans Accounts

Engage daily with the Attorneys and obtain all documentation and recalculations requested for trial purposes.

Managing the Fraud Portfolio.

Support the Litigation team.

Requirements:

• LLB Degree
• Admission as an attorney would be preferable.
• Minimum 2 years' experience in litigation, with a strong focus on defended matters in the financial services or banking sector.
• In-depth knowledge of the National Credit Act, Magistrates' Court Rules, High Court Rules, and related legislation.
• Excellent negotiation, analytical, and communication skills.
• Ability to work independently and manage high-pressure situations.

Education

Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)

Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

Absa Bank Limited reserves the right not to make an appointment to the post as advertised

Empowering Africa's tomorrow, together…one story at a time.
With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

Job Summary
Transform the business to achieve its strategic objectives whilst integrating the core

business into the rest of the broader franchise (Retail Bank & Broader) to enable end-to-end

customer capability. This includes driving the business to achieve digital transformation by

leveraging emerging technologies and external capabilities where relevant (proptech/fintech)

positioning the business as a Product Category leader in the industry.

Job Description
Accountability: Strategic Change

• Lead the business programme planning and delivery of strategic initiatives (SI), continuous improvement initiatives (CI) ensuring quick and seamless time to value for the business and Retail Bank.
• Manage the relevant delivery teams to ensure the delivery of the required SI and CI portfolios.
• Plan and ensure optimal and effective management of portfolio governance, reporting structures and leading decision-making frameworks that enable the business to prioritize capabilities and initiatives.
• Ensure that all programmes and initiatives undertaken by the area conform to the Group's change methodology and practices.
• Action and drive a culture of proactive compliance in the function.
• Conduct root cause analysis, design, and implement mitigation plans to ensure Group is prepared for future disruption in production.

Accountability: Change Management:

• Drive People Change Strategy for the business aligning with strategic objectives and ensuring measurable outcomes

Accountability: Digital Transformation:

• In collaboration with business stakeholders, identifying business transformation opportunities, sizing, prioritizing key digital transformation initiatives
• Enable and execute on digital transformation initiatives for the business

Accountability: Business Integration:

• Integrating processes and capabilities enabling frictionless customer journeys and integrated value propositions that enable the broader franchise.

Accountability: Process Re-engineering & Improvement:

• Executing process-re-engineering and optimisation for the business therefore enabling the business to achieve strategic ambitions, improving business efficiency and productivity.

Accountability: Leading Talent & People Management

• Lead the team to deliver on Business Transformation for the business
• Coach, mentor, and manage team members toward driving business objectives and ensuring colleague development.
• Drive colleague experience and stability and create a culture of continuous improvement, excellence, and collaboration in line with Absa values.

Accountability: Stakeholder Engagement

• Create and maintain strategic relationships with key Partners (Includes FinTech PropTech, Industry bodies, Service Providers, (e.g., consultants), Suppliers, and other key stakeholders and other Absa entities.
• Establish and maintain professional relationships through networking with industry leaders, associations, regulators, and policy makers as well as business partners that are key for the business to achieve its strategic objectives.
• Manage internal and external strategic relationships by facilitating stakeholder feedback, communication interventions, problem solving, dispute resolution

Education:

• Bachelor's Degree
• At least 8 years -10 years minimum experience in Senior Role leading Business Transformation or Strategic Change (Industry: Banking or any other industry

Experience:

• Cross-functional and division collaboration demonstrating Enterprise Leadership
• Driving impactful continuous improvement
• Good exposure in technology environment
• Leading strategic change with integration complexity
• Strong Commercialization
• Check & Challenge business cases for business transformation
• Support commercial negotiations with key stakeholders for best commercial outcomes with vendors/suppliers for transformation initiatives
• Understand how business can maximise benefits realization & lead with benefits realization & time to value in collaboration with delivery partners and executives.

Education
Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.
Absa Bank Limited reserves the right not to make an appointment to the post as advertised

Empowering Africa's tomorrow, together…one story at a time.
With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

Job Summary
To lead and optimize the acquisition and pricing strategy for the Home Loans portfolio, ensuring alignment with the bank's credit risk appetite, regulatory requirements, and profitability objectives. This role is pivotal in balancing risk, reward, and competitiveness in new customer onboarding and loan origination.

Job Description
Strategic Leadership

• Develop and execute acquisition and pricing strategies that drive quality growth in the Home Loans portfolio.
• Align acquisition and pricing policies with the bank's credit risk framework and regulatory standards.
• Collaborate with Product, Marketing, Distribution, and Finance teams to ensure strategies are commercially viable and risk-aligned.

Credit Risk Oversight

• Define and maintain credit risk parameters for new originations.
• Monitor portfolio performance of newly acquired accounts and adjust strategies accordingly.
• Lead the development and refinement of credit scorecards and decisioning models.

Pricing Strategy

• Own the pricing framework for Home Loans, ensuring it reflects risk-based pricing principles.
• Work with Finance and Treasury to incorporate cost of funds, capital allocation, and profitability metrics.
• Monitor competitive pricing trends and adjust pricing strategies to maintain market relevance and margin integrity.
• Ensure pricing decisions are data-driven and support sustainable growth.

Policy & Governance

• Own and update credit acquisition and pricing policies and procedures.
• Ensure compliance with internal governance, regulatory requirements (e.g., NCR, Basel), and audit standards.
• Represent acquisition and pricing risk in governance forums and credit committees.

Data & Analytics

• Use advanced analytics to identify trends, opportunities, and risks in acquisition and pricing performance.
• Partner with data science teams to enhance predictive models, segmentation strategies, and elasticity analysis.
• Monitor early delinquency, vintage performance, and margin trends to inform acquisition and pricing adjustments.

Stakeholder Engagement

• Engage with internal stakeholders including Risk, Legal, Compliance, Finance, and Operations.
• Influence senior leadership on acquisition and pricing strategy and risk appetite.
• Liaise with external partners (e.g., credit bureaus, mortgage originators) to enhance acquisition and pricing capabilities.

Qualifications & Experience

• Bachelor's degree in Finance, Risk Management, Economics, or related field (Master's preferred).
• 10+ years in credit risk and/or pricing, with at least 5 years in a leadership role focused on acquisition or originations.
• Deep understanding of secured lending, particularly home loans.
• Experience with risk-based pricing, credit scoring, and regulatory frameworks.

Skills & Competencies

• Work under pressure
• Strategic thinking and commercial acumen.
• Strong analytical and quantitative skills, including pricing and profitability modeling.
• Excellent stakeholder management and communication.
• Proficiency in risk systems, pricing engines, and data platforms.
• Leadership and team development capabilities.

Education
Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)

Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.
Absa Bank Limited reserves the right not to make an appointment to the post as advertised

Empowering Africa's tomorrow, together…one story at a time.

With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

Job Summary

Transform the business to achieve its strategic objectives whilst integrating the core

business into the rest of the broader franchise (Retail Bank & Broader) to enable end-to-end

customer capability. This includes driving the business to achieve digital transformation by

leveraging emerging technologies and external capabilities where relevant (proptech/fintech)

positioning the business as a Product Category leader in the industry.

Job Description

Accountability: Strategic Change

• Lead the business programme planning and delivery of strategic initiatives (SI), continuous improvement initiatives (CI) ensuring quick and seamless time to value for the business and Retail Bank.
• Manage the relevant delivery teams to ensure the delivery of the required SI and CI portfolios.
• Plan and ensure optimal and effective management of portfolio governance, reporting structures and leading decision-making frameworks that enable the business to prioritize capabilities and initiatives.
• Ensure that all programmes and initiatives undertaken by the area conform to the Group's change methodology and practices.
• Action and drive a culture of proactive compliance in the function.
• Conduct root cause analysis, design, and implement mitigation plans to ensure Group is prepared for future disruption in production.

Accountability: Change Management:

• Drive People Change Strategy for the business aligning with strategic objectives and ensuring measurable outcomes

Accountability: Digital Transformation:

• In collaboration with business stakeholders, identifying business transformation opportunities, sizing, prioritizing key digital transformation initiatives
• Enable and execute on digital transformation initiatives for the business

Accountability: Business Integration:

• Integrating processes and capabilities enabling frictionless customer journeys and integrated value propositions that enable the broader franchise.

Accountability: Process Re-engineering & Improvement:

• Executing process-re-engineering and optimisation for the business therefore enabling the business to achieve strategic ambitions, improving business efficiency and productivity.

Accountability: Leading Talent & People Management

• Lead the team to deliver on Business Transformation for the business
• Coach, mentor, and manage team members toward driving business objectives and ensuring colleague development.
• Drive colleague experience and stability and create a culture of continuous improvement, excellence, and collaboration in line with Absa values.

Accountability: Stakeholder Engagement

• Create and maintain strategic relationships with key Partners (Includes FinTech PropTech, Industry bodies, Service Providers, (e.g., consultants), Suppliers, and other key stakeholders and other Absa entities.
• Establish and maintain professional relationships through networking with industry leaders, associations, regulators, and policy makers as well as business partners that are key for the business to achieve its strategic objectives.
• Manage internal and external strategic relationships by facilitating stakeholder feedback, communication interventions, problem solving, dispute resolution

Education:

• Bachelor's Degree
• At least 8 years -10 years minimum experience in Senior Role leading Business Transformation or Strategic Change (Industry: Banking or any other industry

Experience:

• Cross-functional and division collaboration demonstrating Enterprise Leadership
• Driving impactful continuous improvement
• Good exposure in technology environment
• Leading strategic change with integration complexity
• Strong Commercialization
• Check & Challenge business cases for business transformation
• Support commercial negotiations with key stakeholders for best commercial outcomes with vendors/suppliers for transformation initiatives
• Understand how business can maximise benefits realization & lead with benefits realization & time to value in collaboration with delivery partners and executives.

Education

Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

Absa Bank Limited reserves the right not to make an appointment to the post as advertised

Empowering Africa's tomorrow, together…one story at a time.

With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

Job Summary

To lead and optimize the acquisition and pricing strategy for the Home Loans portfolio, ensuring alignment with the bank's credit risk appetite, regulatory requirements, and profitability objectives. This role is pivotal in balancing risk, reward, and competitiveness in new customer onboarding and loan origination.

Job Description

Strategic Leadership

• Develop and execute acquisition and pricing strategies that drive quality growth in the Home Loans portfolio.
• Align acquisition and pricing policies with the bank's credit risk framework and regulatory standards.
• Collaborate with Product, Marketing, Distribution, and Finance teams to ensure strategies are commercially viable and risk-aligned.

Credit Risk Oversight

• Define and maintain credit risk parameters for new originations.
• Monitor portfolio performance of newly acquired accounts and adjust strategies accordingly.
• Lead the development and refinement of credit scorecards and decisioning models.

Pricing Strategy

• Own the pricing framework for Home Loans, ensuring it reflects risk-based pricing principles.
• Work with Finance and Treasury to incorporate cost of funds, capital allocation, and profitability metrics.
• Monitor competitive pricing trends and adjust pricing strategies to maintain market relevance and margin integrity.
• Ensure pricing decisions are data-driven and support sustainable growth.

Policy & Governance

• Own and update credit acquisition and pricing policies and procedures.
• Ensure compliance with internal governance, regulatory requirements (e.g., NCR, Basel), and audit standards.
• Represent acquisition and pricing risk in governance forums and credit committees.

Data & Analytics

• Use advanced analytics to identify trends, opportunities, and risks in acquisition and pricing performance.
• Partner with data science teams to enhance predictive models, segmentation strategies, and elasticity analysis.
• Monitor early delinquency, vintage performance, and margin trends to inform acquisition and pricing adjustments.

Stakeholder Engagement

• Engage with internal stakeholders including Risk, Legal, Compliance, Finance, and Operations.
• Influence senior leadership on acquisition and pricing strategy and risk appetite.
• Liaise with external partners (e.g., credit bureaus, mortgage originators) to enhance acquisition and pricing capabilities.

Qualifications & Experience:

• Bachelor's degree in Finance, Risk Management, Economics, or related field (Master's preferred).
• 10+ years in credit risk and/or pricing, with at least 5 years in a leadership role focused on acquisition or originations.
• Deep understanding of secured lending, particularly home loans.
• Experience with risk-based pricing, credit scoring, and regulatory frameworks.

Skills & Competencies:

• Work under pressure
• Strategic thinking and commercial acumen.
• Strong analytical and quantitative skills, including pricing and profitability modeling.
• Excellent stakeholder management and communication.
• Proficiency in risk systems, pricing engines, and data platforms.
• Leadership and team development capabilities.

Education

Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)

Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

Absa Bank Limited reserves the right not to make an appointment to the post as advertised

Empowering Africa's tomorrow, together…one story at a time.

With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

Job Summary

• Manage a portfolio of Home Loans Legal matters, including litigation, mediation, and settlement negotiations.
• Liaise with external attorneys, counsel, and internal stakeholders to ensure effective resolution of cases.
• Provide strategic legal advice and risk assessments on home loans litigation matters.
• Ensure compliance with relevant legislation, regulations, and internal policies.
• Monitor legal trends and case law developments impacting home loan litigation.

Job Description

• Allocate duties to team members in order to achieve operational targets including prioritization and work schedules.
• Obtain a thorough understanding of the business unit's strategy and explain it to team members in such a way that they understand the contribution and performance levels required.
• Explain targets and take accountability for the monitoring and achievement of performance objectives in the department in terms of employee satisfaction, customer experience, and cost performance, return on investments, risk, and compliance with governance requirements. Create quarterly and monthly plans to ensure delivery for the year.
• Manage departmental budgets including signing off of invoices and quotes within mandate.
• Escalate out of budget items higher than approved mandate to the next level manager.
• Conduct basic statistical analysis to track performance variances and determine the root causes of errors. Make recommendations for productivity or process enhancements to process owners.
• Implement productivity improvement measures by coaching staff on any new process or on their areas for improvement.
• Where required set and track PD objectives and measures Liaison Officer Specialists in the area for responsibility/portfolio.
• Be responsible for championing, reviewing and assessing the quality of work carried out to ensure highest professional standards are maintained and continually exceeds value and expectations.

Requirements:

• LLB Degree and admission as an attorney.
• Minimum 5 years' experience in litigation, with a strong focus in the financial services or banking sector.
• In-depth knowledge of the National Credit Act, Magistrates' Court Rules, High Court Rules, and related legislation.
• Excellent negotiation, analytical, and communication skills.
• Ability to work independently and manage high-pressure situations.

Education

Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)

Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

Absa Bank Limited reserves the right not to make an appointment to the post as advertised

Role Purpose

To execute and drive the Pension Backed Home Loans business development strategies by designing tactical plans and identifying business opportunities in the target market.

Requirements
Experience and Qualifications

• Relevant business degree.
• 3 to 5 years' experience in the Financial Services industry in a Retailisation or Member Solutions environment.
• Proven track record of successful business development.
• Experience with design and implementation of Business Development Strategy.
• Minimum of 2 years leadership experience.

Duties and Responsibilities

INTERNAL PROCESS

• Overall responsibility for implementing a competitive Pension Backed Home Loans strategy.
• Implement the Pension Backed Home Loans business development strategy and tactics in order to close identified business deals. This should include all the necessary sales activities, prospect calls, presentations and executive meetings.
• Ensure that the growth strategy is achieved.
• Responsible for sales targets.
• Identify and develop strategic opportunities for the Pension Backed Home Loans business with a view of diversifying the consumer base and gaining an additional share of the market.
• Aligning Pension Backed Home Loans business development activities to Momentum Corporate and Group strategies.
• To grow a pipeline of Pension Backed Home Loans and new business opportunities in existing and under-penetrated markets.
• Set up meetings with potential clients to deliver sales pitches.
• Educate clients and partners about Momentum Corporate's Pension Backed Home Loans products and services to increase sales.
• Oversee the effective management of Pension Backed Home Loans and onboarding processes.
• Contribute to the development and packaging of financial services solutions.
• Keep abreast of trends, legislation and best practices within the financial services industry in order to optimise and align service offerings.
• Partner with business areas and product houses to share knowledge, and insights and address any gaps or challenges.
• Gather competitive intelligence and new product ideas from the business environment and share market insights with the management team.
• Drive the turnaround time in terms of targets to ensure a high sales performance.
• Assist team members, as necessary, by interacting with clients in order to facilitate Pension Backed Home Loans business development and/or client concerns/complaints.
• Communicate processes, control requirements, risk management frameworks and regulatory requirements that impact the business development process.
• Identify emerging markets and market shifts while being fully aware of new products and competition status.
• Ensure strong collaboration with the Client Liaison management team, Marketing and Communications team, Pension Backed Home Loans team, Sales and Distribution teams and Brokers and the broader Intermediary/IFA community.

CLIENT

• Build and maintain relationships with clients and stakeholders that promote cross-delivery practice solutions.
• Contribute to sustaining a competitive edge through external networking and benchmarking and representation on related forums.
• Define fair and innovative client service practices which build rewarding relationships and allows team to provide exceptional client service.
• Contribute to the design of client journeys that result in a superior client experience.
• Engage with key internal and external stakeholders to identify changing client needs and align service offering with client needs.
• Participate and contribute to a culture that builds rewarding relationships, facilitates feedback and provides exceptional client service.

PEOPLE

• Create a positive work climate and culture to energise employees, give meaning to work, minimise work disruption and maximise employee productivity.
• Demonstrate exemplary leadership behavior, through personal involvement, commitment and dedication in support of organisational values.
• Drive a culture that guides and directs best practices, fostering an environment of continuous learning, improvement and cohesiveness.

FINANCE

• Manage high-risk and problematic financial issues in accountability and contribute to the development of policy.
• Identify solutions to enhance cost-effectiveness and increase operational efficiency.
• Implement and manage financial risk methodologies, techniques and systems and use them to monitor and report on financial activities.
• Implement risk management, governance and compliance policies in own practice area, to identify and manage governance and risk exposure liability.

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