Graduate & Experience Job Opportunities at Standard Bank Group

Job Description

Acquisitions is a product and sector agnostic team, of which the primary mandate is to grow market share by acquiring new-to-bank transactional banking products, lending, and investments for Business Banking SA. The purpose of the Analyst role is to support the Manager Acquisition with the day-to-day administration, sales, operational and credit management functions. To ensure that all risk and compliance requirements are met, and act as a central office-bound contact point as client liaison during the onboarding stage, providing sales and service fulfilment aligned to segment targets.

Main accountabilities:

• Execution and fulfilment of new business banking accounts (turnover R10m-R300m p.a.) by providing an administrative and sales function.
• Financial and Risk assessment, and writing of Credit applications for new Business Client lending requirements by providing an administrative and sales function.  
• Scanning and analysing market trends for new Business Banking clients using both internal and external tools.
• Coordinating internal stakeholders across Product, Credit and Risk. Internal Stakeholder: Coordinate on customer requests as well as provide a service to them. Builds, strengthens, and leverages internal networks, alliance partnerships and relationships with senior group stakeholders and specialists. External Stakeholders (Customers): Engages with clients for all fulfilment matters and sales during the onboarding stage.

Application closing date: 30 June 2024

Qualifications

FAIS accredited Undergraduate or Honours qualification in: 

• BCom Accounting 
• BCom Finance

Undergraduate qualification to be completed by 31 December 2024.

Additional Information

Minimum requirements:

• South African Citizen
• Should you have work experience, it should not exceed 24 months 
• Full academic transcripts to be submitted with application for undergraduate and/or postgraduate studies.

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Job Description

Our Business Banking Coverage segment provides broad-based client solutions to a wide spectrum of small, medium and large enterprises. Our support extends across the 14 sectors in which we operate; providing our clients with deep sector knowledge and solutioning expertise. We have partnered with businesses for over 160 years, and it is our approach to client relationships that truly distinguishes us, encapsulated by the phrase ‘partnering for growth’.

Our Business Banking Coverage SA Graduate Programme seeks to foster the minds and passions of young South Africans in driving the growth of our businesses thereby making a significant contribution to our country’s economy.  Through this programme, you will be exposed to our various sectors and industries, client relationship principles and using analytical capabilities to better partner with our clients for their growth. 

• To grow and retain a portfolio of high-value Premium & Growth Segment relationships through partnering for growth using an ecosystem mindset to proactively provide a high-end differentiated service with premium solutions that add value.
• To support the Relationship Manager with the day-to-day administrative functions, portfolio management, entrenchment, and operational functions for an allocated portfolio. To ensure that all compliance requirements within the portfolio are met and act as a central contact point for the client, providing sales and service fulfilment aligned to segment targets.
• Is accountable for assisting Relationship Manager in the day-to-day execution of their credit portfolio.

Application closing date: 30 June 2024

Qualifications

FAIS accredited Undergraduate or Honours qualification in: 

• BCom Accounting / Finance / Statistics / Economics 
• BSc Statistics / Financial Risk Management  
• BSc / BCom Agriculture  

Undergraduate qualification to be completed by 31 December 2024

Additional Information

Minimum requirements: 

• South African Citizen
• Should you have work experience, it should not exceed 12 months 
• Full academic transcripts to be submitted with application for undergraduate and/or postgraduate studies

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Job Description

Our Business Banking Coverage segment provides broad-based client solutions to a wide spectrum of small, medium and large enterprises. Our support extends across the 14 sectors in which we operate; providing our clients with deep sector knowledge and solutioning expertise. We have partnered with businesses for over 160 years, and it is our approach to client relationships that truly distinguishes us, encapsulated by the phrase ‘partnering for growth’.

Our Business Banking Coverage SA Graduate Programme seeks to foster the minds and passions of young South Africans in driving the growth of our businesses thereby making a significant contribution to our country’s economy.  Through this programme, you will be exposed to our various sectors and industries, client relationship principles and using analytical capabilities to better partner with our clients for their growth. 

• To grow and retain a portfolio of high-value Premium & Growth Segment relationships through partnering for growth using an ecosystem mindset to proactively provide a high-end differentiated service with premium solutions that add value.
• To support the Relationship Manager with the day-to-day administrative functions, portfolio management, entrenchment, and operational functions for an allocated portfolio. To ensure that all compliance requirements within the portfolio are met and act as a central contact point for the client, providing sales and service fulfilment aligned to segment targets.
• Is accountable for assisting Relationship Manager in the day-to-day execution of their credit portfolio.

Application closing date: 30 June 2024

Qualifications

FAIS accredited Undergraduate or Honours qualification in: 

• BCom Accounting / Finance / Statistics / Economics 
• BSc Statistics / Financial Risk Management  
• BSc / BCom Agriculture  

Undergraduate qualification to be completed by 31 December 2024

Additional Information

Minimum requirements: 

• South African Citizen
• Should you have work experience, it should not exceed 12 months 
• Full academic transcripts to be submitted with application for undergraduate and/or postgraduate studies

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Job Description

The Behavioural Economics graduate will operate across functions (Analytics, Digital, Product, Marketing, Channel) leveraging behavioural insights to design nudges that shape customer behaviour in a way that generates commercial value to the Bank.

The Behavioural Economics team is responsible for researching, collating and recommending global best-practice behavioural case studies from industry and academia, which in turn guide the design and development of new initiatives, implemented through multi-disciplinary teams and regular experimentation. The focus is on full spectrum of personal and business banking services and initiatives span across financial wellbeing, customer outcomes such as improving savings rates and credit performance, and internal productivity.

This exposure to the value chain within financial services, from execution at the front line to developing, testing and scaling positive interventions. Success is dependent on cross-functional teamwork, which include digital channels, branch network, segment, product and marketing and the programme involves active learning and opportunities for various practical applications.

Through this rotational programme, you’ll get the opportunity to learn how to construct a behavioural intervention, from design to execution and further manage and measure key experimentations. This exciting programme involves identifying new opportunities, researching the latest methods and sourcing behavioural insights from customers, designing, monitoring and measuring experiments and working across functions to implement and scale feasible projects. In addition to keeping up to date on best practice, you also get the opportunity to present your insights and results to a broad range of stakeholders.

During this 12-month programme you can look forward to:

• Hypothesis-driven business problem solving
• Testing hypotheses in live environments (i.e. field experimentation)
• Project management
• Speaking your mind
• Adding value to the bank
• Engaging with senior and junior stakeholders
• Behaving in accordance with the bank’s professional standards, and
• Building a passion for behavioural economics.

Application closing date: 30 June 2024

Qualifications

Masters or Honours in:

• Economics
• Psychology
• Cognitive Science
• Neuroscience
• Organisational Behaviour
• Decision Making
• Sociology
• Business Science
• Marketing
• Econometrics

Honours qualification to be completed by 31 December 2024.

Additional Information

Minimum requirements:

• South African Citizen
• Should you have work experience, it should not exceed 24 months 
• Full academic transcripts to be submitted with application for undergraduate and postgraduate studies.

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Job Description

Group Compliance enables Standard Bank Group to comply with regulatory and compliance requirements.  We manage compliance risk, enhance the sustainability of the Standard Bank Group as an ethical and trusted brand, and uphold the integrity of our compliance relationships with regulators.  We offer clients a seamless experience that translates into fairness and trust in our ability to create, grow and protect their wealth. We provide business with client-centric, proactive and pragmatic solutions. We advise, train, monitor and report to support business to do the right business the right way.  We protect our licence to operate with regulatory authorities and use our knowledge of the regulatory environment and our business, to ensure awareness of our regulatory obligations. 

We recognize that every person’s career path is different. That is why, through rotations, learning pathways, mentorship programmes and business coaches, we ensure your experience and exposure will prepare you for the future. Performing meaningful work from day one, you’ll get hands on experience while collaborating with some of the best minds in Africa. We will challenge you to take on high-impact projects to build your skillsets.  

Standard Bank is passionate about growing our people, and we are passionate about growing you. Choose Standard Bank to explore your potential and challenge the norm to become a creative, ground-breaking business leader of the future. 

Qualifications

• Minimum 4-year degree or Honours in 
• Business Commerce 
• Risk 
• Legal 
• Audit 

Minimum Requirements:  

• South African Citizen  
• Maximum of two years’ work experience  
• Minimum of 65% average over all years of study 

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Job Description

To, within CIB Corporate Operations Shared Services (referred to as the Business Area), implement GFCC Policies, Standards and Procedures. To implement the GFCC Business Area Strategy. To provide specialist GFCC related guidance and advice. To identify and address GFCC specific awareness and training needs. This is essential to assure that the Business Area is conducting business in a compliant manner to avoid operational losses, fines, penalties or reputational damage.

• Accountable for ensuring that business areas adopt, embed and enforce governance standards documented in the Group Policies, Frameworks and Standards,
• Responsible for ensuring that business areas meet milestones and due dates, from a business line perspective, as required within the GFCC Strategy for Financial Crime Control.
• Enable business areas to successfully execute on their day-to-day operations and strategy by providing strategic guidance and advice across the Group Policies, Frameworks and Standards from an operational, product, change and project perspective.
• Accountable for the establishment and maintenance of strong stakeholder relationships with the Business Areas.

Qualifications

• Relevant Degree - Commerce / Legal (Min)
• Post Graduate Qualification - Finance and Accounting or Audit or Banking (Pref)
• Certified Anti-Money Laundering Specialist (ACAMS) (Pref)
• Risk Management (Pref)

Additional Information

Experience Required

• 5 - 7 Years: Minimum work experience of 5 years within Compliance in the banking or financial industry required.
• 1 - 2 Years: Minimum of 2 years management experience
• 1 - 2 Years: Experience in trade finance, payments or exchange control will be advantageous.

Behavioral Competencies:

• Adopting Practical Approaches
• Providing Insights
• Team Working
• Upholding Standards

Technical Competencies:

• Compliance
• Legal Compliance
• Risk Management
• Strategic Planning and Reporting

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Job Description

To achieve the SBIB Commercial goals for the Corporate and Multinational Account offering, income and profit budgets by way of managing the behaviour of staff and relationships with the corporate and multinational’s staff members and clients through training, support, and motivation. 
To ensure on-going and successful placement of insurance policies locally and globally.
Ensure efficient support and assistance to the corporate and multinational clients on all levels in terms of the insurance offerings.
To implement strategic objectives and identify opportunities that become available.
To regularise all insurance covers and manage compliance issues as required in each country globally.
Ensure continuous awareness of the Insurance offerings within the appropriate environments.
Work close with all partners and clients to achieve the goals as set out by Commercial insurance.

Qualifications

Minimum Qualifications

• Grade 12/Matric Certificate together with a relevant business degree or similar [majors in Risk, Finance, Insurance will be an advantage]
• Full Qualification as recognised by the Registrar.
• Postgraduate or professional qualification in risk and relevant experience an advantage
• Be prepared to write and pass KI examination should this be required and requested.
• Must have passed FAIS exams min 60 credits – qualification and experience as determined by “Fit and Proper Requirements” of the FAIS legislation.
• Must be fully FAIS Compliant
• Regulatory Exam Certificate (RE5)
• Registered FSP Representative (Category 1 and Sub-Category 1.6)
• Fit and Proper as determined by FAIS legislation (Honesty, Integrity, and Financial Solvency)
• On-going continuous professional development
• Attend courses internal or external.

Experience Required

• Basic overall insight and understanding of accounting items and financial ratios and /or the ability to use a financial calculator and elementary interpretation of financial statements and understanding of relationship between certain ratios.
• Overall understanding of the concept of risk and the different kinds of risk: (1) Credit (e.g., settlement, default, re-insurance, capital adequacy, credit spread, equity), (2) Market (e.g., currency, market liquidity, reputational, competitor, statutory), (3) Operational risk (e.g., product development, pricing, legal, process, IT, HR, Tax, Compliance). In addition to this, a working knowledge of one subset of these kinds of risks. The ability to apply this knowledge to own job or sub-process.
• Create, edit, and print files from Word, Excel and PowerPoint using intermediate features like Macros and advance formulas.
• A working understanding of the general principles of banking: value drivers, risks, impact of the economy
• Perform elementary functions on computer systems (most often used) within role specific systems with elementary problem-solving requirements.
• In depth understanding of range of products in the market, competitor advantages and disadvantages and own product competitive position.
• Overall understanding of insurance principles like law of contract, good faith, subrogation, insurable interest, proximate cause, indemnity, excess as well as insurance classes and the impact of these on their direct environment. Furthermore, a basic understanding of insurance terminology.
• A workable knowledge of a specific set of products (single class/multiple processes) and ability to apply product features, benefits, exclusions to various situations. Handles basic activities/queries that fall within the policy terms and understands impact of actions on other areas of the business (claims/underwriting/sales). Differentiates between product features and benefits based on customer needs.
• Sound knowledge of compliance and risk functions 
• A good working knowledge of Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA).
• Good working knowledge of technical portfolio management systems

Additional Information

Behavioral Competencies:

• Results orientated/Customer service focused, and people orientated.
• Ability to apply logic and reason as well as interpersonal skills.
• Excellent self-starter
• Disciplined
• Consistency portrays a professional corporate image.
• Ability to establish effective working relationships with all stakeholders. 
• Must be presentable.
• Experience in dealing with varied situations and strict deadlines.
• Good organisational skills
• Must be able to work in teams.

Technical Competencies:

• Budgeting 
• Financial analysis
• Risk Management
• Applications: Communications 
• Applications: Microsoft Office Suite
• Emotional Intelligence/maturity
• Interpersonal Relationships
• Self-management
• Time management
• Economic and business knowledge
• Operations and Implementation: General
• Forum and meeting management
• Negotiation and conflict resolution
• Quality Management
• Resource and capacity planning 
• Product Training

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Job Description

To facilitate the test effort's success by driving quality and test advocacy, resource planning and management, and resolution of issues that impede the test effort. To act as a trusted / expert advisor and specialist resource that provides leadership in all quality engineering related activities, including providing guidance on opportunities to improve quality, approach, strategy etc.

Qualifications

• First Degree or Diploma in Information Technology
• 5-7 Years' proven working experience in software development Life Cycle
• Proven experience in automation testing and the use of automated testing tools such as Selenium, Cucumber, Ranorex

Additional Information

Behavioral Competencies:

• Adopting Practical Approaches
• Articulating Information
• Checking Details
• Developing Expertise
• Documenting Facts

Technical Competencies:

• Documenting
• Intelligent Testing
• Quality Assurance
• Structured Test Methods & Processes
• Test Driven Development

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Job Description

W are looking for a talented and proactive Data Scientist to join our dynamic team in the fight against financial crime. As a Data Scientist in the Group Fusion Centre, you will play a crucial role in developing and implementing advanced analytics solutions to detect, prevent, and mitigate various forms of financial crime.

• Utilize advanced statistical and machine learning techniques to analyse large volumes of financial data.
• Develop predictive models and algorithms to identify patterns and anomalies indicative of financial crime activities.
• Collaborate with cross-functional teams, including Anti-Financial Crime (AFC) units, Risk Management, and IT, to integrate data science solutions into existing systems and processes.
• Conduct exploratory data analysis to uncover insights and generate actionable recommendations for enhancing fraud detection and prevention strategies.
• Stay abreast of industry trends and emerging technologies in data science and financial crime detection, and contribute to the continuous improvement of our analytical capabilities.

Qualifications

Minimum Qualifications

• Bachelor's degree in Computer Science, Statistics, Mathematics, or a related field (Min)
• Post Graduate Qualification - Business Commerce or Project Management (Pref)
• Master's or Ph.D (pref)

Experience Required:

• 3-4 years proven development experience in software and software engineering. Understanding of financial services data processes, systems, and products. Experience in technical business intelligence. Knowledge of IT infrastructure and data principles. Project management experience. Experience in building models (credit scoring, propensity models, churn)
• 3-4 years Experience in working with unstructured data (e.g. Streams, images) Understanding of data flows, data architecture, ETL and processing of structured and unstructured data. Using data mining to discover new patterns from large datasets. Implement standard and proprietary algorithms for handling and processing data. Experience with common data science toolkits, such as SAS, R, SPSS, etc. Experience with data visualisation tools, such as Power BI, Tableau, etc.

Additional Information

Behavioral Competencies:

• Adopting Practical Approaches
• Articulating Information
• Challenging Ideas
• Checking Details
• Examining Information
• Exploring Possibilities

Technical Competencies:

• Data Analysis
• Data Integrity
• Database Administration
• Knowledge Classification
• Research & Information Gathering

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Job Description

• To gather customer insights, conduct analysis and monitoring of outcomes, as input into the Client Journey.

Qualifications

Minimum Qualifications
Type of Qualification: First Degree
Field of Study: Business Commerce

Experience Required

• Minimum of 4 Years experience in data gathering and analysis.
• Exposure to translating business and functional requirements into technical specifications.
• Experience in managing product lifecycles development and analysis in a financial services environment.
• Conduct as-is assessments i.e. value stream mapping, as input into the Client Journey. 

Additional Information

Behavioral Competencies:

• Challenging Ideas
• Checking Details
• Conveying Self-Confidence
• Convincing People
• Directing People

Technical Competencies:

• Economic Capital Management
• Evaluating Risk Management Effectiveness
• Financial Acumen
• Risk Identification
• Risk Reporting

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Job Description

JOB PURPOSE

To manage delivery against the GM targets for all asset classes (predominantly Equities) and across multiple platforms and segments, to maximize revenue and achieve high client service quality in line with the Global Markets Strategy and within the defined risk parameters and regulatory requirements.

Essential Functions

• Responsible for managing to conclusion regulatory reporting obligations and outputs across Retail Platforms, Independent Financial Advisors and Share Schemes.
• Service the various client value propositions in respect of low, medium and high touch client segments, Inclusive Retail Investments and Share Schemes
• Own, build and maintain an ongoing relationship with clients.  Interface with Sales, Trading, Product, Regulatory and GM digital teams to deliver to evolving client needs.  Ensure consistent delivery against Service Level Agreements (SLAs). Order and Risk management associated with Retail investments predominantly Equity and Derivative trading.
• Allocate and oversee investigations of the root cause of client incidents and trends and provide guidance on the necessary resolution.  Where required, contact and escalate to relevant internal stakeholders to resolve incidents.
• Oversee receipt of sales incidents (i.e. requests, inquiries and complaints) from clients regarding tax matters and other internal stakeholders and escalate complex incidents immediately, to mitigate time delays and associated costs.
• Assist the desk with execution of client orders for online share trading platform, HNW clients and IFA’s. Monitoring trading systems risk and margin management.
• Contribute to the achievement of budgets by keeping the business aware of anticipated costs/revenue, identifying and rectifying promptly unsatisfactory performance areas.
• Contribute to the achievement of strategic objectives, to grow the Global Markets business, optimize platform utilization to grow share of wallet, deliver a superior client experience to optimize CIB revenue.
• Collaborate with peers and stakeholders by offering technical guidance, embedding efficiencies, on-the-job training and constructive feedback to build scalable business functions.
• Manage and report on key indicators that add value to the client’s experience to generate relevant information and insights to inform product and platform enhancements as well as continuous improvement in CE service delivery.
• Maximize GM product penetration by identifying cross-sell opportunities and notifying the relevant stakeholders to ensure the opportunity is capitalized.
• Monitor behavioral client insights to recommend on-going product and platform enhancements, to assist sales and product teams in identifying client opportunities through client experience and identify continuous client friction points in maintaining client experience.
• Monitor, manage and report on digital portfolio activity and performance to drive digital conversions and sales process improvement to ensure digital channels are delivering to the intended outcome. Drive the self-service conversion tactics to increase conversion of clients to digital channels to increase share of wallet, market share and revenue from digital channels.
• Adhere to CIB’s risk policies, procedures, documentation and authorization limits corresponding to relevant platforms, in order to ensure compliance with CIB's risk and regulatory frameworks.
• Keep up to date with relevant developments both internally and externally to identify, assess and contribute innovative improvements across CE service delivery.
• Keep up to date with the dynamic technological, product, market and client environments to manage the platform proactively.
• Maintain up to date knowledge of all GM platforms and products, including their capabilities, functionality and their application. Use this knowledge to accurately and effectively guide team members through onboard, train and manage clients’ experience.
• Receive and oversee the receipt of instruction to amend and execute transactions on all GM platforms on behalf of low, medium and high touch clients.  Ensure the required standard operating procedure (SOP) are followed to acquire approvals and to execute the transaction in a timely manner and within approved policies and guidelines.

Qualifications

Minimum Qualifications
Field of Study: Business Commerce
Type of Qualification: Finance and Accounting
Certifications: FAIS RE5 and JSE Traders / SAIFM RPE’s

Experience Required

• Have experience in finance and/or tax background
• Have experience in corporate share schemes
• Have any local or offshore trading experience / market knowledge
• Good understanding of local and international markets
• Have an understanding of equities markets and derivatives trading
• Have an understanding of tax reporting on investments and specific designation codes used

Additional Information

Behavioral Competencies:

• Challenging Ideas
• Developing Expertise
• Embracing Change
• Following Procedures
• Generating Ideas
• Interpreting Data
• Inviting Feedback
• Making Decisions
• Producing Output
• Showing Composure
• Team Working
• Upholding Standards

Technical Competencies:

• Client Retention
• Continuous Improvement
• Customer Understanding (Business Banking)
• Data Driven Digital Marketing
• International Market Knowledge
• Product Knowledge (Business Banking)

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Job Description

To provide reporting, insights and analytics for a portfolio across multiple products and/or segments across the credit lifecycle (e.g., originations, account management, collections) in order to inform business decision making strategy formulation. To enable the business to access and interpret reports and dashboards, and to efficiently and effectively utilise the available reporting tools. To drive the automation of relevant production reports to ensure efficiency, and accuracy of reports.

Qualifications

Minimum Qualifications
Type of Qualification: Degree in Information Studies or Information Technology
Experience Required

• 5-7 years' experience in basic data and information lifecycle experience with some exposure to BI technologies and practices. Good reporting skills; including MS Excel, MS Access, MS Word and/or SQL to access, combine and analyse multiple data sources preferred. 

Additional Information

Behavioral Competencies:

• Articulating Information
• Developing Expertise
• Embracing Change
• Examining Information
• Generating Ideas

Technical Competencies:

• Data Analysis
• Data Integrity
• Financial Analysis
• Knowledge of Banking & Financial Service

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Job Description
To provide various consulting services across the entire Payroll life cycle, including but not limited to the testing of all SAP People and Culture Management new applications, query resolutions, as well as the development and submission of reports up to and including the Bank File execution for a dedicated portfolio, in order to ensure accuracy and operational efficiency and effectiveness. Mitigate risk to SAP HR and to identify non-compliance and risk by adhering to strict testing standards.

Qualifications
Minimum qualifications

• Matric with a 3 year Diploma in Finance or equivalent 

Experience required

•  Minimum 3 – 4 years experience within a financial services organisation would be critical. A good understanding of the HR (People and Culture) value chain and the links between the Payroll and all other HR processes and systems would be required.
•  Must have the ability to perform as a subject matter expert with regards to payroll calculations within a dedicated portfolio to ensure accuracy and mitigate risks for the organisation.
•  Drive the execution of the payrolls within a dedicated portfolio, providing the required reports to enable People and Culture in countries to approve payroll in accordance with the Payroll cut-off calendar, assisting in the escalation and resolution of payroll and administration queries to optimise the employee experience.
•  Ability to establish and maintain effective relationships with various stakeholders in order to keep all parties updated on progress regarding the testing and payroll processes and ensure effective and transparent communication.
•  Must have prior experience in executing all Payroll processes, including but not limited to the Live Payroll, Simulation / Live Postings and Posting transfers and EFT / Bank Files, in accordance with the Payroll Cut off calendar to meet deadlines.
•  Guide countries in terms of payroll and core data best practices as well as the execution of payroll procedures to ensure consistency across the Standard Bank Group and operational effectiveness.
•  Perform thorough testing of all SAP HCM new applications, enhancements, policy, and legislative changes to be completed on time and in strict accordance with the HCM release calendars.
•  Provide the People and Culture Payroll Function with the required reports to enable sign off on payrolls and execute timeously and accurately.
•  Reflect and drive a sense of motivation, commitment and urgency around client service and relationship building in order to enhance the employee experience.
•  SAP Payroll skills would be advantageous.
•  Must be proficient in MS Office.

Additional Information
Behavioural Competencies

•  Producing output
•  Following Procedures
•  Checking Details
•  Managing Tasks
•  Meeting Timescales
•  Upholding Standards

Technical Competencies

•  Payroll Administration
•  Business Administration skills
•  HCM Business Systems
•  Organisational Awareness
•  Stakeholder Management