Role Profile

Name

Role Chief Risk Officer

Reporting to Chief Executive Officer

Team Compliance & Risk

Division Investec Bank (Channel Islands) Limited

Key relationships

Within organisation: IBCI Board

• IBCI Leadership Team • All IBCI staff • Investec Bank plc – CRO, Head of Compliance, Head of Ops Risk and

Head of Financial Crime • Investec Bank plc and Investec Group – Risk functions – Credit, ALM,

market, operational • Internal audit

Outside organisation: • External auditors • Regulators • Local Financial Crime Units

Description of role and key responsibilities

The role: The Chief Risk Officer (CRO) is accountable to the Board for the integrity and effectiveness of IBCI's enterprise-wide risk management, compliance and financial crime frameworks. Whilst ownership of risk rests with the first line of defence, the CRO leads the Bank's independent second line of defence, providing objective oversight, constructive challenge and assurance to the Chief Executive Officer (CEO), Leadership Team and Board. The CRO helps ensure the Bank operates within its Board-approved risk appetite while supporting the delivery of the Bank's strategic objectives. The role is expected to build strong partnerships across the business, enabling informed decision-making whilst preserving the independence and integrity of the Bank's control environment. The CRO promotes a strong risk and governance culture across the Bank, ensuring that effective risk management supports safe, sustainable and commercially sound decision-making.

Key responsibilities: Enterprise Risk & Governance

• Lead the development, implementation and ongoing enhancement of IBCI's enterprise risk management framework.

• Develop, quantify and maintain the Bank's Risk Appetite Framework, recommending risk appetite and tolerances to the Board for approval and ensuring they remain aligned to the Bank's strategy and operating environment.

• Monitor and report adherence to the Board-approved Risk Appetite Framework, escalating material issues where appropriate.

• Identify, assess, monitor and report existing and emerging risks across the Bank.

• Ensure appropriate governance frameworks, policies and controls are maintained across the organisation.

• Maintain oversight of the Bank's principal risk categories, including operational, conduct, financial crime, regulatory, strategic, reputational and technology risks.

• Support the continued development of an effective Three Lines of Defence model.

• Act as custodian of the Bank’s governance framework, ensuring governance arrangements remain effective, proportionate and aligned with the Bank’s strategy and regulatory expectations.

Board, Regulatory & Executive Leadership

• Provide independent advice and constructive challenge to the CEO, Leadership Team and Board on matters relating to risk, compliance and financial crime.

• Chair the IBCI Executive Risk Committee. • Provide and ensure the Board and senior management receive timely,

balanced and forward-looking information to support effective oversight and decision making.

• Support the Board and senior management in understanding their risk management and regulatory responsibilities.

• Act as one of the Bank’s principal points of contact with prudential and conduct regulators on matters relating to risk and the control environment.

• Develop effective working relationships with Investec Group Risk, Compliance and Financial Crime teams to ensure alignment with Group policies and standards.

Risk Management & Regulatory Oversight

• Oversee the effective identification, assessment, monitoring and management of risks that could impact the Bank's objectives.

• Ensure risk management frameworks, policies and procedures remain effective, proportionate and aligned with regulatory expectations.

• Lead the independent risk contribution to ICAAP, stress testing and capital planning, working closely with the CFO to ensure these processes support strategic decision making.

• Support the ongoing development of the Bank's operational resilience and business continuity arrangements.

• Maintain oversight of the Bank's compliance and financial crime frameworks.

• Ensure material risks and control issues are appropriately escalated and addressed.

Strategic Partnership & Transformation • Partner with business leaders to provide practical, commercially

balanced risk advice that supports sustainable growth. • Provide independent challenge and guidance on strategic initiatives, new

products, client propositions and significant change programmes. • Support the Bank's transformation agenda by ensuring risks are

identified, understood and appropriately managed. • Promote a culture where effective risk management enables informed

decision-making rather than acting as a barrier to progress. Leadership & Culture

• Lead and develop a high-performing Risk, Compliance and Financial Crime team.

• Develop capability within the second line to support the future needs of the Bank.

• Promote a positive and pragmatic risk culture through coaching, communication and collaboration.

• Build strong working relationships across the organisation whilst maintaining independence of judgement.

• Develop succession plans and support the ongoing development of team members.

Essential Criteria

The successful candidate will have strong banking risk experience together with the leadership capability, judgement and credibility to lead the Bank's independent Risk function.

Risk

• Senior leadership experience within a banking risk function. • Strong understanding of enterprise risk management across credit,

operational, conduct, financial crime, compliance, prudential and strategic risk.

• Strong understanding of prudential regulation, risk appetite frameworks, ICAAP, stress testing and capital management principles.

• Experience engaging with Boards and Executive Committees, including preparing and presenting high-quality risk reporting and providing independent challenge to senior stakeholders.

• Demonstrable experience developing and operating Board approved Risk Appetite Frameworks.

• Experience building constructive and credible relationships with prudential and financial regulators and managing regulatory engagement.

• Experience supporting significant organisational change and transformation programmes.

• Experience operating within, or working closely alongside, an international banking group.

Leadership

• Proven ability to influence, challenge and advise Executive Teams and Boards.

• Strong commercial judgement with the ability to balance growth ambitions and prudent risk management.

• Ability to build trusted relationships across the organisation whilst maintaining independence of judgement.

• Excellent written and verbal communication skills. • Strategic thinker with the ability to translate complex risks into practical

business decisions. • Demonstrated leadership capability with experience managing and

developing teams. • Collaborative approach with the ability to support the business whilst

maintaining appropriate independence.

We agree that this document accurately reflects the key responsibilities and associated skills, knowledge and

attributes required for ______________________________ to perform this role at this time. We acknowledge that it is our

responsibility to update this profile as things change.

__________________________________________ __________________________________ Line Manager’s signature Date ___________________________________ __________________________________ Employee’s signature Date

• Exercises sound judgement and makes balanced, evidence-based decisions, demonstrating the confidence to provide independent challenge where required.

General • Degree or equivalent professional experience. • Relevant professional qualification in risk, banking, finance, audit or

compliance would be advantageous. • Strong analytical and problem-solving skills. • High levels of integrity, professionalism and personal credibility. • Self-motivated with a commitment to continuous learning and

development. Regulatory and Control Environment

• Strong understanding of banking compliance, financial crime and regulatory requirements.

• Experience working with or overseeing compliance and/or financial crime activities within a regulated financial services environment.

• Excellent understanding of AML, sanctions, conduct risk and regulatory obligations applicable to banking.

• A recognised compliance, risk or financial crime qualification (or willingness to obtain one) would be advantageous but is not essential.

About Investec What’s our culture like?

Our company culture is unique amongst our peers and other banks. A vibrant and colourful culture built upon an integrated purpose and with Belonging, Inclusion and Diversity at our heart… a place to bring your best self to work and where you can be truly yourself. Where will you be working? Located in the St Peter Port, Guernsey, our IBCI Head Office boasts a highly flexible office space, changing & showering facilities and an enviable terrace overlooking the marina. Hybrid Working We have a flexible working environment and a unique culture, meaning that colleagues and teams are asked to spend the majority of time in the office. We see great benefit in teams being together, connecting and spending time face to face. The specific working pattern options for this role should be discussed with the line manager.

Compliance & Operations Administrator

Bourse Trust Company Limited

Role Overview The Compliance & Operations Administrator is responsible for helping ensure the company meets its regulator obligations and operates efficiently. Bourse Trust Company Limited is a well- established privately owned trust company based in Guernsey. This is a ideal opportunity for someone looking to develop their experience in compliance and operational processes. Key Responsibilities Customer Due Diligence • Perform comprehensive CDD and enhanced due diligence (EDD) checks on new and existing

clients, including individuals, companies, trusts, and other structures. • Review and assess client documentation in line with Guernsey AML/CFT regulations, GFSC

rules, and internal policies. • Maintain accurate and up-to-date CDD records in internal systems (CDD Library) and

databases. • Escalate high-risk matters or concerns to the Compliance Officer or MLRO as appropriate. • Liaise with client relationship teams to obtain required client documentation and resolve

CDD queries. • Assist in the development and continuous improvement of CDD procedures and checklists. • Support compliance reporting and audit preparation as needed. Compliance Support • Assist the Compliance Manager & MLRO and the Compliance Officer & MLCO as required

with report generation, project work, updating Sensitive Jurisdictions List etc • Support the ongoing development and review of internal compliance policies and

procedures.

Client Data • Assist with ensuring data held in the client database is accurate, up to date and relevant. • Update records when requested. New Client onboarding and Entity Closures • Assist with the take on and closure process Document Retention and Destruction • Manage the process of document destruction ensuring relevant authority is documented and

systems updated.

Office support • Provide cover for reception and incoming and outgoing post/couriers in absence of the

Operations Assistant. • Any other ad-hoc duties as required.

Person specification:

• Personal skills o Excellent attention to detail o Able to work in a methodical manner precisely following set procedures and

processes o Good communication skills in order to explain regulatory requirements clearly

and professionally o Good IT literacy, preferably including previous experience of document

management systems and client databases (Laserfiche and 5-Series experience would be ideal).

• Experience: o Preferably at least 1 year of experience in CDD, compliance or an onboarding role

in a fiduciary or financial services organisation • Professional Qualifications: Ideally, the be working towards professional qualifications

such as ICA or a willingness to study.

Role Profile

Role FTC - New Business & Risk Officer

Reporting to Head of New Business & Risk

Team New Business & Risk

Division Investec Bank (Channel Islands) Limited

Key relationships

Internal (within Organisation)

• All departments in Investec Bank (Channel Islands) Limited • Investec Private Bank – London

External (Outside organisation)

• Intermediary Clients

Description of role and key responsibilities

Who are we? Investec is a distinctive financial services group serving clients principally in the UK and South Africa. Our culture gives us our edge: we work hard to find colleagues that bring out of the ordinary thinking, and we put them in environments where they'll flourish. We combine an accessible structure with a focus on internal mobility. The role demands an entrepreneurial spirit and a desire to learn and collaborate to help the business grow and to drive profitability; to deliver a commercial impact for the business. The role:

• To safeguard the organisation, its reputation, assets, and the interests of stakeholders by identifying and managing potential threats to the achievement of our business objectives in relation to new client take-on and existing client maintenance.

• It is key that the job holder must have a good understanding of the regulatory environment including the regulations, rules and guidance and their implications relevant to the job and to follow all applicable internal compliance considerations and appropriate processes, policies, and procedures.

Key responsibilities:

• New client onboarding, any subsequent sub account opening, reviewing client applications ensuring thorough completion also of all internal documentation including completion of risk assessments, workflow, screening, and other relevant searches.

• Careful review of all documentation supplied by the client to ensure that it is complete, compliant, and consistent. Liaison with the Intermediaries or Private Client/Corporate and Family Office Relationship Manager’s (RM) as required to identify and obtain any required additional information in respect of any new client take-on.

• Carrying out enhanced Customer Due Diligence for high risk and PEP relationships including liaison with the RM where necessary. The initial

business take on of high risk and PEP business remains the responsibility of the RM, the role holder positively working in cooperation with the RM in respect of information gathering.

• Acting to update information following trigger events and proactively identifying errors and omissions which may stimulate the need for updated risk assessments and /or necessary data corrections. Ensuring the trigger escalation process is followed and reviews are closed off in a timely manner.

• To support the periodic review process undertaking reviews or quality assurance where required.

• To assist in work in relation to FATCA & CRS to ensure clients are compliant for all new accounts and repapered accounts. Undertake a classification reasonableness check and refer as required.

• To undertake the daily monitoring of overnight screening results as required.

• To assist with the co-ordination of the PEP annual review process. Including the collation of the updated annual data for each PEP review, undertaking updated internet research as required and liaison with the RM to update annual documentation in advance of each PEP workflow process being initiated.

• To undertake static data changes and account amendments work. • Support the needs of the business with any retrospective CDD exercises

including the identification, rectification and logging of errors and omissions whilst following the review process.

• Manage own prospective client accounts and outstanding tasks to ensure all work is progressing and where no longer required or completed, is closed off in a timely manner.

• Actively support change and look to provide ideas for improvments.

Essential Criteria

Core Skills and Knowledge:

• Some exposure to management of regulatory risk in a large financial institution.

• Strong attention to detail delivery high quality work always. • An inquisitive and enquiring mind. • Challenging yet non-confrontational. • Persistence, an eye for detail and ability to complete projects within

specified deadlines. • Personal organisation and planning skills, proven time management skills

with ability to meet deadlines. • Excellent communications and presentation skills, to be able to inform

and persuade both orally and in writing. • Strong influencing skills that result in winning the co-operation of RMs

and colleagues and maintaining the appropriate priority for regulatory matters.

• Able to operate independently and escalate appropriately with confidence.

• A detailed knowledge of the general tools and techniques of account opening, KYC/CDD processes and all risk review processes.

• In depth knowledge required of client structures to facilitate the collection of Customer Due Diligence and compliance with local regulatory requirements.

• Detailed knowledge of FATCA and CRS requirements. • Knowledge of our organisation and the environment (e.g. regulatory,

physical) in which it operates. • Actively considers the wide picture identifying patterns and connections

between issues and situations that are not obviously related. • Logically breaks down problems and situations into their essential parts

and draws reasonable conclusions based on their analysis.

We agree that this document accurately reflects the key responsibilities and associated skills, knowledge

and attributes required for xxxxxxxxxxxxxxxxxxxxxxxxx to perform this role at this time. We acknowledge

that it is our responsibility to update this profile as things change.

__________________________________________ __________________________________ Line Manager’s signature Date

__________________________________________ __________________________________ Employee’s signature Date

• Proficiency in using AI-enabled productivity tools, such as Copilot, to improve efficiency, generate insight and support decision-making. Applies critical thinking and sound judgement when interpreting outputs, remains accountable for the quality and accuracy of their work.

About Investec What’s our culture like?

Our company culture is unique amongst our peers and other banks. A vibrant and colourful culture built upon an integrated purpose and with Belonging, Inclusion and Diversity at our heart… a place to bring your best self to work and where you can be truly yourself. Where will you be working? Located in the St Peter Port, Guernsey, our IBCI Head Office boasts a highly flexible office space, changing & showering facilities and an enviable terrace overlooking the marina. Hybrid Working We have a flexible working environment and a unique culture, meaning that colleagues and teams are asked to spend the majority of time in the office. We see great benefit in teams being together, connecting and spending time face to face. The specific working pattern options for this role should be discussed with the line manager.

Role: Onboarding Adviser

Location: Guernsey

Line of Service: Client Onboarding Team

Grade: Senior Associate 1

Contracted Hours per Week: 37.5 hours

PwC Channel Islands Overview

PwC is a highly dynamic professional services firm offering Advisory, Tax, Audit and other

assurance services to a large portfolio of international and local clients. The Channel Islands

firm employs 600+ staff in offices across Jersey, Guernsey and Alderney and is part of an

international network of 151 PwC firms employing over 364,000 staff.

Job Summary:

The Onboarding Advisor enhances the effectiveness and efficiency of the client Onboarding

experience by serving as the primary liaison between different Line of Service engagement

teams, their clients, and the KYC Operations team. Leveraging deep knowledge of the firm’s

AML/CFT policies and Client Acceptance procedures, this role facilitates clear, timely

communication, manages stakeholder expectations, streamlines the collection of KYC

information, and ensures engagement teams meet all client and engagement procedural

requirements.

Responsibilities:

Responsibilities include:

• Respond effectively to all AML related queries relating to procedures, policy and

respective systems for KYC.

• To communicate with engagement teams to keep them updated with onboarding status,

escalating any issues early and proactively solving problems for these teams.

• Guide clients and engagement teams throughout the KYC process to obtain all the

necessary documentation needed to satisfy the AML requirements and to pass this

information to KYC Operations teams

• To act as a conduit between the KYC Operations Team and the client/engagement

teams to ensure correct interpretation of the KYC requirements and to simplify the

requests which are made of the administrators/clients.

• Demonstrate quality and technical expertise by acting as the first point of contact for the

KYC Operations team for queries and/or additional outreach on a KYC profile to ensure

outreach is only conducted if needed - leveraging existing data and local industry

knowledge.

• Take ownership for charging all time spent on onboarding work to relevant WBS codes

to provide relevant and accurate management information regarding the onboarding

process. It is expected that this role will be chargeable.

This role reports to:

• Client Onboarding Manager

There are no direct reports into this role.

Qualifications & Certifications:

● AML certificate / other similar relevant qualifications could be beneficial

Skills & Experience Required:

Essential skills:

● Understanding of KYC, financial regulatory environment and AML risk implications

● Understanding of legal structures of various client types

● Experience in managing client relationships / client risk / AML or KYC roles

● Ability to build strong relationships with diverse teams

● Confident in escalating issues when necessary

● Ability to work to KPIs and be accountable for output

Desirable skills:

● Knowledge of compliance monitoring processes

● Knowledge of quality standards and expectations and implementation of these in their

daily role

● Understanding of client structures and regulatory needs

● Experience with complex regulatory conditions

● Strong communicator with the ability to work as part of the client facing team. ● Being able to influence change in processes and be proactive in finding solutions where

requirements are unclear. ● Ability to think digitally about problems and suggest solutions using technology to drive

efficiencies.

Travel Requirements:

Some travel may be required from time to time.

The skills we look for in our people:

All our people need to demonstrate the skills and behaviours that support us in delivering our

business strategy. This is important to the work we do for our business, and our clients. These

skills and behaviours make up our global leadership framework, The PwC Professional.

The PwC Professional focuses on two core behaviours: Trusted Leadership and Distinctive

outcomes. Trusted Leadership is underpinned by core behaviours that Inspire, Empower and

Evolve, and Distinctive outcomes is underpinned by behaviours that Champion, Build and

Deliver.

Diversity:

We work in a changing world which offers great opportunities for people with diverse

backgrounds and experiences. We seek to attract and employ the best people from the widest

talent pool as well as those who reflect the diverse nature of our society. We aim to encourage a

culture where people can be themselves and be valued for their unique strengths. Creating

value through diversity is what makes us strong as a business. https://www.pwc.co.uk/diversity

Role Profile

Name

Role Credit and Lending Services Legal Officer

Reporting to Head of Credit and Lending Services

Team Credit and Lending Services

Division Investec Bank (Channel Islands) Limited

Key relationships

Within organisation:

• Department Heads and relationship managers; • Legal, Compliance, Risk, Finance and Operations colleagues; • Credit Committee members Guernsey and London; and • Investec Bank London and Global Group offices.

Outside organisation:

• Clients; • Auditors; • Solicitors; • Financial Intermediaries; • Surveyors / Valuers; • Brokers; and • External Trust Companies.

Description of role and key responsibilities

Who are we? Investec is a distinctive financial services group serving clients principally in the UK and South Africa. Our culture gives us our edge: we work hard to find colleagues that bring out of the ordinary thinking, and we put them in environments where they'll flourish. We combine an accessible structure with a focus on internal mobility. The role demands an entrepreneurial spirit and a desire to learn and collaborate to help the business grow and to drive profitability; to deliver a commercial impact for the business. The role: As part of the Credit and Lending Services Team, you will support the effective execution, completion and ongoing management of lending transactions throughout the life of the loan. This is a broad, practical role sitting at the intersection of legal support, lending execution, credit process and portfolio administration. You will help to ensure that lending matters are progressed efficiently, accurately and in

accordance with internal legal, credit, operational and risk management requirements, enabling IBCI to maintain the high level of client service, experience and professionalism which is a fundamental and core selling point for the wider high net worth lending business. Key responsibilities: The role will specifically involve:

• Support the completion of lending transactions, including the preparation and completion of lending documentation, and take simple transactions through to completion where required, with support.

• Manage or support lending transactions through to drawdown and beyond, including the monitoring of any credit related matters.

• Provide support and guidance to the lending team on any client or transaction matters that arise.

• Identify, escalate and help to resolve legal, credit, operational or completion related issues in a timely manner, including matters requiring input from the Head of Credit and Lending Services, Credit Committee, relationship managers or external counsel.

• Adhere to IBCI CLS processes and procedures so that legal, credit and operational risk is effectively managed, limited or reduced.

• Manage or coordinate matters to be addressed post drawdown, including standing order and direct debit arrangements, client care letters, outstanding conditions subsequent and related record updates.

• Respond to queries from relationship managers and external parties and provide appropriate progress updates on lending matters where required.

• Maintain the Bank's security and loan records in accordance with internal procedures, ensuring that relevant records are accurate, complete and up to date.

• Support the effective management of the Bank's legal, credit and operational risk in relation to its lending portfolio by following internal processes, escalating issues appropriately, and ensuring that applicable credit limits, approval conditions and credit appetite limits are adhered to.

• Maintain and update client and lending records in the Vision banking system to ensure all records are correct and up to date.

• Assist other members of the Department as and when required. • Instruct and liaise with external counsel, where appropriate and in

accordance with internal procedures, in connection with new loan facilities, renewals, extensions, amendments and related security matters.

• Liaise with relationship managers, clients and external solicitors in respect of the completion of new loan facilities, existing loan renewals and short-term loan extensions.

• Draft, finalise and issue facility documentation in respect of new loan facilities, existing loan renewals, short term loan extensions and amendments.

• Draft, anonymise, finalise and maintain precedent documentation for the CLS precedent document bank.

• Take part and contribute to projects as and when they arise, enabling the team to become more efficient and keep up to date with the latest software and technological changes.

• Identify and raise opportunities to improve CLS processes, strengthen controls and increase efficiency.

• Support reporting activity in respect of lending transactions, portfolio matters, completion status and exceptions, liaising with relevant colleagues as required.

• Review facility documentation drafted by other members of the Department.

• Check new loan completions, facility renewals and short form facility extensions or amendments prepared by other team members, providing sign off at completion, where authorised to do so.

Essential Criteria

Core skills and knowledge: The role will specifically require: Experience and knowledge:

• Legal experience as a paralegal or experienced legal assistant, or relevant experience in credit operations, lending administration or deal management.

• Experience in property transactions, banking and finance, secured lending or loans administration would be advantageous.

• Familiarity with lending documentation, security, completion processes and post completion administration, or a willingness to develop this knowledge.

Skills and attributes:

• Excellent verbal and written communication skills. • Client focused approach, with a commitment to delivering a high-

quality service to clients and colleagues. • Highly organised, collaborative team player with a commercial

mindset. • Enthusiastic and proactive. • Adaptable, resilient and comfortable working in a busy, time

sensitive environment. • Ability to prioritise and manage a varied workload against

competing deadlines. • Willingness to take ownership and drive matters forward to

completion. • Enjoys looking at ways to improve and streamline processes. • Methodical, thorough and consistently attentive to detail,

particularly in relation to documentation and records. • Confident user of Microsoft Office, particularly Word and Excel. • Cultural awareness and sensitivity on both an individual and

corporate basis.

We agree that this document accurately reflects the key responsibilities and associated skills, knowledge and attributes

required for _________________________________ to perform this role at this time. We acknowledge that it is our responsibility

to update this profile as things change.

__________________________________________ __________________________________ Line Manager’s signature Date

__________________________________________ __________________________________ Employee’s signature Date

• Ability to work on an individual basis (self-motivating and self- prioritising) and within a team.

About Investec What’s our culture like? Our company culture is unique amongst our peers and other banks. A vibrant and colourful culture built upon an integrated purpose and with Belonging, Inclusion and Diversity at our heart… a place to bring your best self to work and where you can be truly yourself. Where will you be working? Located in the St Peter Port, Guernsey, our IBCI Head Office boasts a highly flexible office space, changing & showering facilities and an enviable terrace overlooking the marina. Hybrid Working We have a flexible working environment and a unique culture, meaning that colleagues and teams are asked to spend the majority of time in the office. We see great benefit in teams being together, connecting and spending time face to face. The specific working pattern options for this role should be discussed with the line manager.