173 Regulatory Environments jobs in South Africa

Job Description
Job Overview:
The Policy Review Adviser will manage referrals received into the Policy Analysis Team from a variety of sources relating to misrepresentation, non-disclosure and potential indemnity concerns, within agreed authority levels and within agreed SLA.

Job Responsibilities

• Investigate all cases of potential misrepresentation and non-disclosure at policy inception and claims stage through to completion received via a variety of referral sources into CFS; working to agreed SLA's and following the Policy Validation Guide and CFS Procedure documents Investigate the validity of FCIM'S customers claims history by carrying out post sale CUE (Claims Underwriting Exchange) match validation and processing any necessary changes to the policy.
• Investigate, through to a conclusion, policies where Quote Manipulation is suspected prior to the inception of the policy
• To investigate and manage any potential voidance cases referring to Policy Analysis Level 2 or Senior for sign off
• Contacting policyholders by phone and email, adhering to TCF and DPA principles, to resolve any discrepancies related to misrepresentation, non-disclosure or indemnity issues.
• To update and revise customers' policy details making any necessary adjustments and cancellations.
• Make outbound calls to customers in relation to validation procedures/ queries whilst adhering to TCF and DPA principles.
• Administer and process incoming post and e-mail, including the scanning of relevant documents.
• Handle all complaints received effectively and efficiently adhering to FCIM Complaints policy
• Manage the delegated mailboxes ensuring all correspondence is actioned with agreed SLA's.
• Promptly identifying matches that do not require further investigation and ensure closure is actioned in a timely manner, within SLA's.
• Maintain positive relationships with all business employees and departments comply with the requirements, and act in accordance with, the Group Code of Conduct and Fitness and Propriety policies at all times
• Ensure compliance with Company Policies, Values and guidelines and other relevant standards/ regulations at all times
• Any other reasonable duties

Job Requirements

• Minimum of a Matric/NQF 4 qualification
• Solid insurance experience
• Vehicle insurance claims experience
• Strong Microsoft Office experience with Word, Excel and Power - Point.
• High level Customer Service Skills

Experience Required

• Previous experience in a complaint handling role, ideally with experience in early resolutions
• Experience in handling fraudulent claims/misrepresentation at policy inception will be advantageous
• Previous complaint handling experience within an FCA regulated business is ideal.
• Experience taking both outbound and inbound calls
• Providing the best resolution for the customer

Skills Required

• Good communication skills, both verbal and written
• Good time management and organization skills
• Problem solving skills with the ability to adopt a logical approach to resolving problems
• Good data and statistical analysis skills
• Good technical skills
• IT and software skills, including good Microsoft Excel and Word knowledge

Preferred Requirements/Skills

• Experience/exposure to UK customers'/clientele.
• RE qualification
• FAIS credits

Core Behaviour
Huntswood's employees are described as dependable, driven and collaborative.

The job holder should be able to demonstrate they are:

• Confidential, reliable and genuine
• Dynamic, passionate and determined
• Friendly, compassionate and cooperative

"It's not just about what we do, but the way we do it. And it's our values that make us special."

NB: All appointments are subject to the positive outcome of pre-employment verification checks.
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To supervise and provide motivational direction to a team of Fraud Analysts to ensure delivery of an efficient and effective service to the business and Counter Fraud teams while ensuring delivery of business performance objectives, KPIs, and SLAs in accordance with company procedures and policies.

Job Responsibilities:

• Ensure delivery of targets.
• Provide reports to the Operations Manager on the status of objectives.
• Assist and provide guidance to the analysts with any queries and handle the more complex cases, if and where appropriate.
• Validate claims history while adhering to the relevant compliance procedures.
• Ensure all new policies are checked against CUE and the subsequent chase cycle is being adhered to and meets the agreed SLAs.
• Provide technical support to the team and be a referral point for handling customer complaints to achieve a positive outcome.
• Manage additional premium process to ensure outstanding debt is kept to a minimum.
• Ensure that the risk customer validation chase cycle and return post customer validation chase cycle are managed effectively.
• Provide sign-off on all voidance and cancellation decisions relating to referrals from the CFS teams, Sales and Service, and Claims.
• Conduct regular reviews to check the accuracy and quality of the team’s work.
• Deliver coaching and feedback to the team to achieve KPIs and SLAs, and conduct regular performance reviews and 1-2-1s, including probationary reviews and annual appraisals.
• Deal with all employee issues including monitoring absence and conducting disciplinaries.
• Assist the Operations Manager with the recruitment process.
• Monitor agents' calls to ensure they are following the company’s policies and procedures at all times and are compliant with FCA regulations (including TCF principles).
• Set targets for agents and deliver coaching and feedback to the team to achieve KPIs and SLAs, and conduct regular performance reviews, including probationary reviews and annual appraisals.
• Assist with the training of new recruits or re-training of current employees when required.
• Have input into and manage departmental procedures specifically in relation to policy fraud analysis, investigations, technical referral, and drive improvements in processes and systems.
• Ensure all analysts are compliant with TCF principles when liaising with customers and ensure own personal compliance with TCF principles.
• Work closely with other CFS teams and other departments to ensure consistency and best practice.
• Ensure compliance with company and other relevant standards/regulations at all times.
• Build and maintain relationships with CFS and other departments, as appropriate.
• Ensure personal and team compliance with Company Financial Crime policies and other standards and regulations.

Job Requirements:

• A minimum of Matric/NQF 4 qualification.
• RE or FAIS qualification is preferable.
• Excellent communication skills, both verbal and written.
• Negotiation and influencing skills.
• Good time management and organisation skills with the ability to prioritise work.
• Strong leadership and people management skills with the ability to motivate employees in a high-pressure environment.
• Problem-solving skills with the ability to adopt a logical approach to resolving problems.
• Strong customer service skills.
• Good numeracy and literacy skills.
• Extensive motor insurance experience.
• Extensive motor insurance policy fraud experience.
• Experience of performance management of a team.
• Experience of setting objectives.
• Solid understanding of all aspects of motor insurance, specifically with regards to policy fraud investigation and analysis/indemnity referral.
• Knowledge of fraud detection and analysis systems.
• Solid understanding of the insurance fraud intelligence model and relevant systems.
• Excellent knowledge of FCA requirements (including TCF) and the regulatory framework relating to claims.
• Solid understanding of the business objectives and operations delivery.
• Technical knowledge of insurance products and personal lines insurance.
• Comprehensive understanding of regulatory requirements and company principles (including TCF) following appropriate training.
• Sound knowledge of managing telephony systems.
• CII qualified or working towards this.

Required Skills:

• Commercially focused.
• Self-motivated and enthusiastic.
• Takes initiative to make decisions.
• An organised and proactive approach.
• Emphasis on attention to detail and accuracy.
• Able to work on own initiative and as part of a team.
• A flexible approach and positive attitude.
• Confident in presenting complex information in a clear and concise manner.
• Strives to deliver performance targets and drive business improvements to contribute to the success of the business.

Core Behaviour:

Huntswood’s employees are described as dependable, driven, and collaborative. The job holder should be able to demonstrate they are:

• Confidential, reliable, and genuine.
• Dynamic, passionate, and determined.
• Friendly, compassionate, and cooperative.

• An appropriate, recognised qualification at NQF Level 8 or equivalent.
• A relevant NQF Level 9 qualification will be an advantage.
• Five years' relevant work experience in research, policy analysis and development.
• Exposure to, and experience in, the field of education, training and development will be an advantage.

Duties :
• Lead NQF policy development, analysis, and critiques.

• Ensure research ethics and alignment to SAQA's strategy within areas of responsibility.
• Contribute to conceptualising, conducting, managing and reporting on research that supports NQF policy development, implementation and analysis.
• Contribute to NQF research publications.
• Contribute to conceptualising and realising NQF research events.
• Contribute to research funding proposals.
• Compliance with the relevant SAQA policies and procedures.
• Share and engage nationally and internationally with researchers and NQF stakeholders around NQF policy development and implementation.
• Lead or co-lead the professional development of staff, including mentoring staff in specific specialised tasks.

About Us

Brilliant Professional Services is a Professional Services Firm based in Umhlanga. We specialize in supporting professional services firms and highly regulated businesses based in the United Kingdom to manage risk and compliance, optimize profitability, and enhance customer experiences. With an excellent track record of working with brands in the UK and Europe, we offer legal and accountancy talent, client service, complaints management, and remediation services in regulated markets.

We are seeking a detail-oriented and customer-focused Regulatory Compliance Consultant to join our team. In this role, you will be responsible for verifying sales transactions, ensuring accuracy and compliance with company policies, and delivering an exceptional customer experience. Your ability to communicate clearly and professionally will be crucial in confirming order details, addressing customer inquiries, and preventing fraudulent transactions.

• Ensure that all sales comply with the company policies, compliance standards, and quality assurance guidelines.
• Confirm customer orders, pricing, and payment details to prevent errors or fraudulent activity.
• Address customer concerns, clarify product or service details, and provide necessary support.
• Document verification outcomes and maintain accurate records of transactions and client’s personal information.
• Collaborate with the sales team to resolve discrepancies and improve processes and customer experience.
• Report suspicious or unauthorized transactions to the appropriate department for further investigation.

• Previous experience in regulatory compliance, customer experience, or a related field preferred.
• Strong communication and interpersonal skills.
• Attention to detail and ability to identify discrepancies.
• Proficiency in using CRM software and data entry systems.
• Ability to handle confidential customer information with discretion.
• Problem-solving skills and a proactive approach to resolving issues.

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.

Discovery Bank is a bank like no other – a shared-value bank, designed with our clients in mind. We are 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 are 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.

The Regulatory Compliance Specialist develops, implements and oversees the regulatory compliance strategies of the bank. Assists in the establishment of an effective compliance function, framework and core processes for the bank.

• Provide Compliance advice and guidance to business and key stakeholders
• Initiates and assists in the development of key compliance policies and standard operating procedures
• Ensures that these policies and procedures are consistent with the approvals of various boards
• Identifies and assists with training and educational needs regarding compliance practices and make recommendations and develop training content
• Ensures compliance with industry regulatory standards
• Implements core Compliance principles, frameworks, processes, systems and platforms
• Implements Compliance Risk Management Framework, reviews Regulatory Universe and implementation of the Compliance Risk Management Plans and control gap analysis.
• Compiles and assists with compliance reports for Management and relevant Bank committees.
• Assists with Regulator and Audit reviews and oversee compliance actions.
• Assist with Regulatory Change and commentary processes in Discovery Bank.
• Register and maintain breaches and incidents.

Required:

• Have an understanding of and an ability to implement Compliance governance
• Have an understanding of the legislative and regulatory requirements impacting the South African Banking Sector
• Have detailed knowledge of the legislative and regulatory environment and reporting requirements imposed by South African Regulators (SARB, FSCA and NCR) specifically, but not limited to, the Banks Act, FAIS, NCA, CPA and Conduct Standards for Banks.

Preferred:

• Microsoft word, excel and power point.

Required:

• A Legal degree, a Bachelors degree and or a compliance qualification
• Have an understanding of the core principles of an effective Compliance function.

Required:

• At least 5 years Compliance experience in the financial services industry.

Preferred:

• Retail Banking experience advantageous

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.

Business Unit: Discovery Bank

Function: Banking

Date: 16 Sept 2025

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 are 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 are 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

The Regulatory Compliance Specialist develops, implements and oversees the regulatory compliance strategies of the bank. Assists in the establishment of an effective compliance function, framework and core processes for the bank.

Areas of responsibility may include but not limited to

• Provide Compliance advice and guidance to business and key stakeholders
• Initiates and assists in the development of key compliance policies and standard operating procedures
• Ensures that these policies and procedures are consistent with the approvals of various boards
• Identifies and assists with training and educational needs regarding compliance practices and make recommendations and develop training content
• Ensures compliance with industry regulatory standards
• Implements core Compliance principles, frameworks, processes, systems and platforms
• Implements Compliance Risk Management Framework, reviews Regulatory Universe and implementation of the Compliance Risk Management Plans and control gap analysis.
• Compiles and assists with compliance reports for Management and relevant Bank committees.
• Assists with Regulator and Audit reviews and oversee compliance actions.
• Assist with Regulatory Change and commentary processes in Discovery Bank.
• Register and maintain breaches and incidents.

Skills

Required:

• Have an understanding of and an ability to implement Compliance governance
• Have an understanding of the legislative and regulatory requirements impacting the South African Banking Sector
• Have detailed knowledge of the legislative and regulatory environment and reporting requirements imposed by South African Regulators (SARB, FSCA and NCR) specifically, but not limited to, the Banks Act, FAIS, NCA, CPA and Conduct Standards for Banks.

Preferred:

• Microsoft word, excel and power point.

Qualifications

Required:

• A Legal degree, a Bachelors degree and or a compliance qualification
• Have an understanding of the core principles of an effective Compliance function.

Work Experience

Required:

• At least 5 years Compliance experience in the financial services industry.

Preferred:

• Retail Banking experience advantageous

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.

Job Description:

• Guide and advise Business and management on Compliance requirements (POPI, FAIS, TCF, FIC Act, FATCA, CRS, EXCON Regs, Conduct Standards).
• Updating of Policy & Procedure Manuals due to regulatory and operational changes in terms of key legislation affecting the Bank.
• Conduct compliance training as per the compliance training plan. Update training manuals in line with regulatory changes and policy requirements.
• Assist in compiling a compliance monitoring plan and reporting against plan.
• Assist in compiling an annual Compliance Activity Plan for approval by the BoD.
• Assist in reviewing the Legislative Risk Matrix on an annual basis and submit to the BoD.
• Conduct compliance monitoring and testing, including providing recommendations and actions plans
• Develop and update Compliance Risk Management Plans.
• Assist in submitting FATCA and CRS reports to the SARS including implementation of new reporting requirements.
• Assist in managing and overseeing the REKYC and Enhanced Due Diligence (EDD) processes
• Assist in preparing and submitting all required reports to Group and Audit Committee on a quarterly basis.
• Regularly review the Compliance Monitor's functioning, quality of commentary and timeliness of clearing, including conducting investigations and filing of reports where required.
• Assist in providing guidance on new product & delivery channel development.
• Assist in filing of regulatory reports to the respective regulators

Experience and qualifications:

• 5-7 years' experience in a compliance and regulatory position in a bank
• LLB qualification/or similar and other compliance related courses/qualifications
• In-depth knowledge of FIC Act, POPI, FAIS, GDPR, EXCON Regulations, Conduct Standards and other applicable legislation impacting Banks

Are you a seasoned Compliance Officer looking for your next challenge?

Ourclient is seeking a dedicated and experienced Compliance Officer to join their team. This role is perfect for a professional who is passionate about delivering high-quality compliance and risk management services to financial services clients.

Key Responsibilities:

• Deliver outsourced compliance services to independent Financial Services Providers (FSPs) and corporate clients.
• Fulfil compliance duties required by legislation such as FAIS, FICA, POPI, the Companies Act, Medical Schemes Act, and the Insurance Act.
• Help clients achieve Treating Customers Fairly (TCF) outcomes.
• Establish and maintain a culture of compliance by providing a compliance risk framework to clients.
• Provide high-quality, personalised, and substantive reports to clients, ensuring all functions meet deadlines and standards set by the Regional Manager.
• Contribute positively to the regional team and the company’s development and well-being.
• Source and onboard new clients.

Qualifications & Experience:

• A minimum of 3 years of proven experience in compliance or risk management within the financial services industry.
• Must be a registered and approved Compliance Officer with the FSCA (FSB) for at least Category I.
• Hold a recognised Legal or Accounting degree, or another qualification from the FSCA’s list of approved qualifications for Compliance Officers.
• Must have a strong working knowledge of compliance legislation, including FICA and FAIS, with POPI knowledge being an advantage.
• Possess an understanding of risk management principles.

Skills & Competencies:

• Exceptional verbal and written communication skills.
• Ability to work independently and as part of a team, even under pressure.
• Proficient presentation skills.