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.

Job Description

Job Title: Senior Associate, Digital Audit

Location: Guernsey or Jersey

Line of Service: Risk Assurance Services

Grade: Senior Associate

Contracted Hours per Week: 37.5

PwC Channel Islands Overview:

At PwC CI, we help you build, accelerate, and sustain momentum in a world that never stops

moving. With our tech-forward and people-empowered network, we provide expert

assurance, tax and advisory services to turn challenges into opportunities. Leveraging

deep expertise and advanced capabilities, we ensure you’re ready for any future, helping you

act boldly and achieve real results.

Job Summary:

The Risk Assurance Services (RAS) team at PwC takes pride in helping clients to identify,

measure and manage their risk profile more effectively. Our specialists offer knowledge and

expertise, which extends to clients’ internal controls, internal audit, technology risk, cyber

security, non-financial reporting, and regulatory compliance.

Our Digital Audit specialists focus on providing information risk management assurance

services supporting external financial statement audit engagements. Our capabilities support

a wide range of businesses and industry sectors, across the Channel Islands with a focus on

Financial Services,

As a member of the RAS, Digital Audit practice you will work within an assurance team

structure as part of a multi-functional engagement team, interacting directly with clients.

You will also have excellent opportunities to be involved in strategic initiatives and provide

input into shaping the future direction of the practice.

Responsibilities:

As a credible candidate you will have developed core skills in a wide range of disciplines,

with a strong background in the testing of IT controls, automated controls and

dependencies supporting the financial statement audit. You will have developed skills in IT

audit; process and controls assurance; data and analytics and cyber security. You will also

have a good general understanding of technology/ERP and finance systems used by our

clients.

You will need to be capable of applying these core skills in a variety of business situations to

maximise the client value and impact over across Digital Audit and related controls

assurance engagements performed by the wider RAS team.

Responsibilities include:

• Participating in a Digital Audit team as the lead senior for Digital Audit, supporting

external FS audit teams in the delivery of external financial statement audit

engagements

• Completing planning procedures and client walkthroughs relating to the

understanding of the IT environment

• Assessing the design, implementations and operating effectiveness of IT General

Controls, application controls and related dependencies including the testing of key

reports and interfaces

• Using leading digital assets and related tooling to complete the testing of core IT

General Controls

• Undertaking project management activities to support the effective delivery of Digital

Audit engagements to agreed time and budget.

• Working with a range of clients delivering Controls Assurance engagements, in the

capacity of internal audit or non-audit assurance reporting

• Providing insight to clients related to the integrity of the control environment, the

efficiency of processes and the insightfulness of management information

• Helping to train and upskill staff members in the latest tools as coaching them as part

of wider client engagements

• Building relationships both internally within the PwC network and externally with

senior client management teams on ongoing engagements

• On-going development of in-depth industry experience and process expertise

Direct Reports:

• This role reports to:

o Manager, Senior Manager, Directors, Partners

• Reporting to this role:

o Associates

Qualifications & Certifications:

• Strong academic background such as a Bachelor or Master’s Degree in a subject

related to Accounting, Information Technology or Business Studies

• Project management certification (e.g. PRINCE2, or Agile)

• CISM, CISSP, GIAC

• ISACA, CISA

• Technology Risk engagement qualification (e.g. ITIL, COBIT, CRISC, ISO22301,

CBCI, ISO27001 LA, ISO22301 LA)

• Internal Audit supporting qualification (CIA)

Skills & Experience Required:

Essential skills:

• Experience of internal or external audit and assurance engagements as a digital audit

specialist

• Excellent project management skills including great organisation, highly motivated

work ethic, the ability to drive projects forward, managing own and others time; and

hold more senior team members accountable to delivering high quality pieces of work

• Strong team working skills and experienced in developing junior staff

• Well-developed listening and questioning techniques

• Strong desire for personal continuous improvement

• Following formal methodologies and applying risk and quality standards

• Excellent verbal skills and report writing capability

• Ability to work autonomously without the need for day-to-day direct management

• Proficient relationship builder

• Accounting Path: Process and controls assurance experience including planning,

delivering and reviewing a diverse range of engagements and reviews (IT controls

focus), coupled with experience in evaluating and performing risk assessments at a

task and organisational level

• Understanding of Internal Controls Frameworks e.g. COSO and end-to-end

processes

• Experience of performing non-audit assurance engagements, such as ISAE3402/

SSAE18 reports

• Expected qualification: formal accounting qualification, or part qualification with a

desire to focus on IT controls and a future ISACA CISA certification

• IT Audit Path: Technology controls audit and advisory experience with associated

understanding of IT infrastructure and knowledge of related cyber security threats,

coupled with experience in evaluating IT risks and performing tests of IT and system

driven controls

• Understanding of Control Objectives for Information Technology (COBIT) and

placement within wider internal controls frameworks

• Experience of performing non-audit assurance engagements, such as ISAE3000

(SOC2) /SSAE18 and/or ISO27001/22301 audit engagements

Desirable skills:

• Knowledge of the Financial Services sector and familiarity with the local Channel

Islands market

• Experience in providing specialist support to external FS audit teams

• Data and analytics experience with competency with tools including Alteryx, SQL,

Python, PowerBI and PowerPlatform.

• Cyber Security / Privacy engagement experience, with a relevant supporting

qualification (e.g. CISM, CISSP, GIAC)

• Artificial Intelligence tooling experience and familiarity with using agentic technology

to support procedures

• Technology Risk engagement experience, with relevant supporting qualification (e.g.

ITIL, COBIT, CRISC, ISO22301, CBCI, ISO27001 LA, ISO22301 LA)

• Experience of performing internal audit engagements, with a relevant supporting

qualification (CIA)

Travel Requirements:

Limited travel will be required in this role; this will be project dependent.

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, Evolved PwC

Professional.

The Evolved 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://pwc.to/2vY6KZm