Henrique Madureira

Main Responsibilities

• Worked effectively in fast-paced environments.
• Self-motivated, with a strong sense of personal responsibility.
• Manage retail segment (personal and private) business segments by protecting the value of distressed assets by efficiently and effectively enhancing the profitability of product credit portfolios;
• Provide support and strategic direction to leadership Credit teams and Business in maintaining the level of Provisions and the Credit Loss ratio (CLR) within acceptable parameters and ensuring optimal recovery of written off debt and accounts falling into arrears;
• Collaborate with Business partners to agree on business outcomes required for each class of asset;
• Manage debt reviews (restructures and moratoriums) on all classes of assets;
• Design and implement tactical solutions which maximize the amounts recovered on distressed assets;
• Assist in automating daily administrative processes;
• Design and deliver operational reporting which interprets the activities of the collections team at any stage of default;
• Forecast the activities of distressed assets and provide comments on deviations as well as remedial actions when necessary;
• Responsible for implementing an Outside Debt Collecting Agency to assist the effective collection of assets in arrears;
• Responsible for implementing an incentive based framework for collectors productivity;
• Manage capacity model to determine shortfalls within the collectors team;
• Manage Provisions within budget;
• Manage Write off Recoveries within budget;
• Manage the VAF portfolio with regards to repossession of assets;
• Assist business partners to build workflow system to enhance Credit Collections activities;
• Implement a telephony system solution that is practical, cost effective for the call centre team;
• Partner with outside Legal firms to assist enforcement of law; and
• Partner with outside collection system solutions to enhance portfolio data.

Main Responsibilities

• Responsible to embed the compliance risk management processes and assist business discharging their responsibilities to comply with statutory, regulatory and supervisory requirements in order to protect the reputational of the organization;
• Analyse and identify compliance risks, processes and controls and provide advise to management, relevant committees within the organization in order to effectively manage compliance risks;
• Provide assistance and advise on compliance issues specific to (new business, products and other project initiatives as well as advise on compliance related legislation affecting the business;
• Compile compliance monitoring plans and track progress, assist business on the resolution of compliance audits monitoring issues;
• Assist in the development, drafting and updating of compliance specific policies and manuals;
• Assist where necessary the process and governance of dispensations when business policies deviate from the minimum standards;
• Assist business in the development of compliance specific training material and programme;
• Assist business in the implementation of new or amended regulatory developments;
• Actively promote on an ongoing basis the compliance function to ensure a proper embed compliance prudent risk management culture to all employees;
• Responsible for completing reports on specific timeframes to regulators, stakeholders and relevant management teams;
• Constantly keeping aware of new regulatory requirements which affects business activities;
• Prepare in conjunction with business the annual compliance business sign off on the plan for the year in terms of regulatory universe, risk management plans, training and monitoring activities;
• Act as a strategic business partner by understanding the business needs and translating them into risk management solutions;
• Handle difficult situations tactfully and diplomatically;
• Support and maintain strong team dynamics and culture;
• Manage and support the compliance officers in an effective and motivational manner, constantly developing capacities, mentoring and coaching;
• Evaluate Anti-Money Laundering and Anti-Bribery and Corruption risks to the organization activities;
• Identify deficiencies in AML and ABC and determine appropriate timeframe remedial actions with management;
• Co-ordinate and provide inputs into all AML iniiatives within the organisation;
• Oversee the process to identify and monitor Political Exposed Persons (PEP´s) and other target high risk persons and entities; and
• Ensure a sound relationship with Correspondence Banking partners.

Main responsibilities

• Review and investigate transaction monitoring reports for suspicious activity;
• Undertake controls testing reviews to assess the design and operational effectiveness of the controls, special attention to Sanctions, AML and ABC;
• Assisting on the adequacy and effectiveness of internal controls, policies and procedures through mapping key risks and regulatory obligations against existing Financial Crime controls and emerging risks;
• Design appropriate testing programme, identify opportunities to improve controls and related processes;
• Guide first line functions to implement agree actions in line with FCC recommendations;
• Present findings verbally or written to all involved stakeholders;
• Prepare accurate and professional articulated reports that explain issues identified during review and recommendations to improve associated controls activities;
• Ensure progress of the completion of assurance actions is effectively monitored and escalated when overdue;
• Document all work to ensure a proper audit trail;
• Maintain a positive and effective working relationship with FCC team and first line of defence functions; and
• Support with responsibilities which my include amongst other things i.e advisory, training delivery, development of management information and contribution to internal reports.

Main responsibilities (all Absa branch network including private suits, the reviews also included adhoc on specific business needs. i.e Cash Centre Operations, KYC, FAIS, Credit Assessments, Logical asset profiles, Financial controls, Sales Management etc..)

• Execute assurance assignments in line with MA methodology within the retail business segment (branch network);
• Perform control effectiveness evaluation (CEE) reviews (sox and contracted), compiling working papers with minimum review notes in line with MA methodology;
• Complete the review in the allotted timelines;
• Identify all control failures and weakness to the business owners and relevant stakeholders and provide regular feedback;
• Draft and distribute the interim and final report in appropriate manner;
• Maintain an effective relationship with business partners and relevant stakeholders; and
• Pro-actively advise business unit management and MA management of the progress and concerns identified.

Main responsibilities

• Assist on the review and drafting of compliance policies;
• Assist in developing training material for retail personnel;
• Assist in creating a compliance resource library for staff members to reference when have questions on specific compliance policies and procedures;
• Maintain up to date written documentation and policies related to organization business activities; and
• Assist on the monitoring of KYC branch controls.