Job Purpose:


Responsible for processing and settlement of securities transactions, safekeeping of client assets, managing corporate actions, reconciliations, invoicing and fees collection, client valuation reporting, account setup and onboarding, and facilitating payment of broker invoices, while ensuring compliance with custody regulations and service standards


Key... Responsibilities


Process buy/sell transactions for equities, bonds, and other investment instruments.
Coordinate trade settlement with Central Bank, CSD, brokers, and market intermediaries.
Track and process corporate actions (dividends, interest, rights issues, bonus issues).
Perform daily securities and cash reconciliations, resolving breaks promptly.
Prepare periodic custody reports for clients and regulators
Prepare and distribution of client invoices
Ensure timely billing and collection of custody fees in line with contractual terms.
Monitor outstanding balances and follow up on payments with clients.
Facilitate client onboarding including custody account setup, KYC documentation, and market registration.
Process and facilitate payment of broker invoices in line with agreed procedures.
Ensure adherence to CMA, NSE, CDSC, RBA, CBK, IFRS, and other regulatory requirements.
Maintain accurate transactions, billing, and client records; support audit/compliance reviews.
Support process improvements, custody system enhancements, and operational efficiency.
General administrative day-to-day tasks within the department: telephone handling, mailing, dispatch.
Support financial and business growth targets assigned
Any other official duties that may be allocated by management from time to time


Qualifications:


Bachelor’s degree in finance, Accounting, Economics, or related field.
CISI certification
2–3 years’ experience in custodial operations, securities settlement, or related banking functions.
Have an understanding for the RBA, NSE and CMA regulations and trading rules.
Knowledge of financial markets, investment instruments, custody regulations, billing, and client onboarding processes.


Personal Attributes/Competencies:


Strong communication and administrative skills, with attention to details
Analytical and reconciliation skills
Knowledge of financial instruments and market operations
Create a high-level trading environment for internal and external customers.
Superior organizational skills.
Client service orientation more

Job Purpose:


The Check-off Support Scheme Admin will have a key responsibility for the quality of the centralized check off loan portfolio by ensuring timely lodgment of data and speedy communication to branches whilst constantly monitoring and reconciling the loan book to ensure up to date information on individual loan account status


Duties and Responsibilities.


Develop and... maintain a good relationship between the bank and the check-off loan employees.
Offer accurate information about the bank’s products and other services.
Ensure timely lodgments of check off loans are carried out and feedback to branches given in line with SLAs.
Ensure timely collection of by products and cheques for check-off loan repayments.
Full Reconciliation of loan repayments, loan balances and uploading of funds from employers in liaison with supporting head office units.
Constantly interacting with branches and giving feedback on matters related to check off loans in terms of payments, non-payments and loan status.
Monitoring of delinquent and non- performing portfolio of loan accounts and advise Branches timely on dropped cases/ non-payments for heightened recovery measures/ Re-advice.
Issuance of stop orders of the cleared loans.
Prepare monthly status reports for each scheme company/ employer and MI reports.
Coordinate scheme related activities to enhance service delivery, penetration and improve the check off portfolio.
Manage all aspects of risks associated with check-off loans.
Any other duties as may be assigned by management.


Qualifications


Hold a bachelor’s degree in business or related field.
At least three to four (3-4) years relevant work experience in both credit and operations (personal banking and/or credit/ scheme loans administration).
Have a proven performance record.
Sound knowledge of Bank products and services.
Knowledge and effective application of Bank policies, processes, procedures and Central Bank
Prudential Guidelines to consistently achieve required results at Check-off support.
Computer skills: Ability to use MS Word, Power-point, Advanced Excel and Analysis of Data


Key Competencies


Excellent interpersonal skills with the ability to effectively work with individuals and groups at all organization levels; ability to work independently and as part of a team.
Evidence of the ability to prioritize tasks, organize and deliver results in a demanding environment.
Ability to work accurately with close attention to detail; must have eye for details, strong ability to scrutinize and examine.
Excellent customer service skills with the ability to respond to inquiries or complaints effectively and in a timely manner.
Should be innovative in identifying new ways of improving the check-off lending and perfection process.
Uplholds high standards of Professionalism, Integrity and respect for others.
Willingness to adapt to changing business needs and deadlines. more

Job Purpose:


To support DFS Back-office Manager in driving and delivering excellent business performance through effective processing, settlement and reconciliation of the card transactions and ensuring optimum productivity, operation efficiency and outstanding customer service.


Duties and Responsibilities.


To manage the operations of card transactions, reconciliations, and... postings thereof.
Manage Customer Service issues, by responding to and following up on enquiries from branches and call center by email and telephone.
Responsible for identifying and reporting potential and actual Money Laundering Risk related to prepaid cards, including suspicious transactions in accordance with the laid down AML policies & procedures.
Disputes: Solving of Credit Cards ON –US Transactions, Credit Cards Top Dispute, Prepaid Cards
Transactions, Family Pay Mobile Transactions and Card Paybill disputes.
Support Card Business in Credit Card income postings.
Posting: Prepare batches/entries for posting on the various items identified Visa Cash and POS reconciliations.
Support closure of Audit recommendations in cards Operations.
Attend and participate in DFS Operations meetings as may be called by the manager.
Ensure compliance with Family Bank’s Policies and Procedures while executing your roles.
Daily monitoring: monitor and maintain an up to date position of all the Assets and Liability accounts assigned to you and monitor respective trial balance for accurate reporting.
Balancing, reconciliation for posting items: Balancing of all control accounts assigned to and reconciliation of outstanding items posted in the system.
Training –Ensure to learn on all areas relating to DFS Operations.


General Administration.


Propose/ review amendments to Procedures for efficiency and effectiveness of settlement, reconciliations of cards suspense accounts.
Handover / Takeover as team members proceed on leave.


Cost Control.


Liaison with ICT and other Departments to ensure smooth operation of work
Liaise with service providers e.g. Interswitch, Kenswitch, Mastercard and Visa on complaints from branches,
Preparation of quarterly Mastercard/visa certificates within the stipulated timelines.
Any other operational duty as may be assigned by the management.


Academic Qualification(s):


University Degree in Business administration, or equivalent; or Advanced Diploma in Accounting, Finance, Economics or Business-related field.
HR Department Doc
Have a minimum of One (1) Year relevant work experience in a commercial bank, thorough knowledge of Banking Procedures.
Thorough knowledge of banking prudential guidelines pertaining to account opening and KYC requirements.
ACIB/AKIB/CPA and/or other banking professional qualifications would be an added advantage


Key Competencies


Organizational skills to effectively prioritize work schedules and manage operational risks
Interpersonal skills to effectively communicate with and manage customer expectations (internal and external), and other stakeholders who impact performance.
Versatility in handling various tasks
Knowledge and effective application of all relevant banking policies, processes, procedures and guidelines to consistently achieve required compliance standards or benchmarks.
Teamwork and trust to support performance and customer-service oriented culture.
Have thorough knowledge of the various services, possible problems and the different processes and solutions.
Good communication skills & polite response to customers’ queries
Ability to work under pressure, and patience in solving cases
Professionals handling bank information with confidentiality.
Effective time management in resolving issues.
Achieve set audit standards with no repeat exceptions.
Live and practice Family Bank Values without compromise more

Duties and Responsibilities. 

Strategy 


Coordinate development of Strategic plan 
Develop annual business operating plan 
Prepare/ oversee preparation of budgets 
Monitor strategy execution and ensure engagement of business teams and investors on regular basis. 
Support different division leaders on strategy execution 


Capital management 


Identifying and engaging... potential investors, shareholders and debt providers 
Ensure bank capital needs are always met 
Ensure optimal capital structure 


Reporting 


Oversee the reporting of monthly financial results of the group 
Prepare/Reviews and reports on the financial performance of the various business segments and make  appropriate recommendations. 
Review performance with Heads/Line Managers and identify drivers and improve performance within  their divisions. 
Work with Business finance partners to support business 
Prepare monthly updates to the Board and Shareholders 
Coordinate the preparation of the board committee’s reports 
Reviews the organization’s financial performance and prepares the company’s financial reports in line  with the statutory reporting process. 
Cost monitoring against the budget. 


Leadership 


Lead Strategy, planning and budgeting teams and ensure optimization of their potential 


Decision support 


Capital management (debt and Equity) 
Design and implement cost centers and roll out cost allocation 
Design and implement an executive key performance driver dashboard.


Risk Management 


Oversee compliance and implementation for group businesses policies and procedures 
Ensure full closure of external and internal audit issues.


Education and Experience 

Academic Qualification(s): 


Minimum of bachelor’s degree in finance, Economics, Business, Statistics or other related fields 
MBA or master’s degree 
CPA (K) 


Experience (Number of relevant years): 


Minimum of 10 years of relevant experience, at least 4 years in leading a team. 
Experience with ERP systems would be highly desirable. more

Key Responsibilities/Accountabilities 


Reconciliation of all tax accounts and tax data validation.
Preparation and submission of monthly, quarterly and annual tax computations and returns, including  installment tax in accordance with the various taxation statutes.
Preparation and submissions of various reports requested monthly, quarterly, and annually or on  adhoc basis.
Responsible... for tax accounting which includes preparing deferred tax calculations, effective tax rates  and provisioning movements commentaries.
Preparing tax related disclosures in the financial statements.
Making all tax payments when due. (VAT, WHT, Excise duty, Stamp duty, Corporate Tax)
Monitoring business unit compliance with the VAT, Excise duty Act and Income Tax Act.
Provide the first line of taxation support to the business units.
Custodian of the company’s permanent tax files.
Ensuring that all tax records and correspondence are appropriately maintained and filed.
Bank product evaluation to determine taxation impact.
Optimization of the Bank’s taxation expense, by identifying areas of tax savings
Managing intercompany income billing.
Tax Budgeting and impact analysis.
Review advise and reply to assessments and reassessments
Support internal and external tax audits


Education Level 


Bachelor's degree in a relevant field Upper Second-Class Honors and above


 Professional Qualifications 


ACCA/CPA (K)


 BUSINESS ACUMEN (FINANCIAL MANAGEMENT) 


Ability to interpret financial information and knowledge of financial systems
Good working knowledge and understanding of financial systems and how they impact tax
Ability to understand and work within a corporate context- Knowledge of organizational financial systems, legislation, ability to work with financial auditors and tax advisors, respond to findings and  implement recommendations
A passion for customer service


EXPERIENCE 


Minimum 3 years’ experience in an audit and/or controls role.
 2 years’ experience in a financial institution (areas of working experience would be financial reporting,  payments, reconciliations and controls, risk, internal audit and tax. understanding of applicable taxation law, rules, regulations and commissioner's guidelines and  public notices.
Understanding of Regulator Prudential Guidelines in Banking and Insurance.
Good computer skills.
Working knowledge of ERP accounting software. (Knowledge of Flexcube & SQL will be an  advantage.) more

Duties and Responsibilities 

Strategy and business support 


Coordinate development of Strategic plan 
Develop annual business operating plan 
Monitor strategy execution 


Planning and Analysis 


Drive the annual budgeting, Financial and business planning process and provide guidance to Decision 
Support partners. 
Prepare medium- and long-term Business Plans as well as... monthly forecasts, Income Statement, 
Balance Sheet and Cash Flow forecasts} 
Prepare investment business cases 
Coordinate Investors’ engagements and reporting 


Reporting 


Oversee the reporting of monthly financial results of the Bank including monthly consolidation 
Reviews and reports on the financial performance of the various business segments and make  appropriate recommendations 
Review performance with Heads/Line Managers and identify drivers and improve performance within  their divisions. 
Work with Business partners to ensure that agreed initiatives are implemented 
Prepare monthly updates to the Board and Shareholders on both financial and non-financial metrics. 
Reviews the organization’s financial performance and prepares the company’s financial reports in line  with statutory reporting process 
Cost monitoring against the budget


Decision support 


Capital management (debt and Equity) 
Design and implement cost centers and cost allocation at Branch, Business segments. 
Design and implement an executive key driver dashboard to track KPI’s 


Risk Management 


Oversee compliance and implementation for group businesses, and lead the first line of defense team,  policies and remediation of operational risks within finance
Ensure full closure of external and internal audit issues. 


Education and Experience 

Academic Qualification(s): 


Minimum of bachelor’s degree in finance, Statistics, Economics or other related fields 
MBA or Master’s Degree in a related discipline is desirable 


Professional Qualification(s): 


Should possess an advanced professional certification such as CPA, ACCA, CIMA, CFA 


Experience (Number of relevant years): 


Minimum of 5 years of relevant experience. Experience with ERP systems would be highly desirable. more

Job Purpose:


The purpose of the role is to build and sustain relationship with SACCOS (Saving and Credit  Cooperative Societies). The key responsibility being customer acquisition, retention and income generation  from the sales of the bank’s products. 


Key Responsibilities: 


Ensuring that all new businesses are in line with AML/KYC and CTF laws and regulations and  customer... information is regularly updated. 
Ensure growth of the existing deposit book as per the set organizational targets through growth of  current accounts/collection business as well as wholesale deposits from the focus institutions. 
Onboarding new clients, Identify and address customer needs, ensuring that the overall service  provided is in line with customer expectations. 
Achieving Income generation target through the existing customers and recruitment into digital  financial services. 
Keeping abreast of developments in the SACCOS environment both locally and internationally. 
Deposit mobilization with a focus on SACCOS 
Loan origination with a focus on SACCOS 
Advisory to customers and guidance through the delivery of excellent customer service to resolve  customer queries and achieve customer satisfaction. 
Prepare Customer sales coverage plans to ensure each relationship is managed according to the  Bank’s customer service charter with regular reviews of the customer portfolio to assess future needs  and ongoing fee/income potential. 
Identifying and developing new business proposals efficiently and expeditiously to ensure that  potential new business opportunities are maintained. 
Manage existing relationships to deepen the relationship for Business Banking solutions. 
Initiating and monitoring customer/Bank contact at all levels, ensuring that customers enjoy the  highest standards of service. 
Adherence of all bank’s prescribed processes, standard operating procedures and Central Bank  prudential requirements. 
Role Models the Brand and Corporate Values of the Bank both internally and externally. 
Any other official duty as may be assigned by management 


Qualifications & Experience: 


Bachelor’s degree in commerce/business related field. 
Strong presentation skill set. 
Good analytical skills. 
Highly effective communication and collaboration skills. 
High level of cooperation with others and is responsive to the banks and team’s needs. 
AMC/CFT training/knowledge. 
HR Department Doc 


Key Competencies: 


A clear understanding of the SACCOS operating environment. 
Demonstrated networks within the focus group – SACCOS 
Demonstrate the capability to build and maintain strong relationships. 
Good negotiation skills. 
Good listening skills. 
Pleasant and able to relate well in diverse social set ups and teams. 
Upholds a high standard of Professionalism, integrity and respect for others. more

Job Purpose:

The BPR Analyst will play a pivotal role in leading and executing process re-engineering initiatives across the bank. This role involves working closely with various business units to map, assess, and redesign processes to drive operational efficiency, enhance customer satisfaction, and ensure compliance with regulatory standards. The BPR Analyst will also be responsible for... implementing process improvements, supporting digitization and automation efforts, and ensuring effective change management across the organization.

Key Responsibilities:

Process Mapping and Assessment:


Engage with business leaders and colleagues to map and assess current business processes and ways of working.
Identify process improvements using Lean principles, Six Sigma, and industry best practices.
Ensure processes align with regulatory and legal standards.


Process Redesign and Improvement:


Redesign processes and ways of working to enhance efficiency and effectiveness.
Identify interdependencies between teams to ensure end-to-end functionality.
Collaborating with processes leads to ensure ownership and accountability for redesigned processes.
Implement, monitor, and report on process improvements.


Documentation and Requirements Gathering:


Develop process maps, flow diagrams, and related documentation for redesigned processes.
Document business requirements to support the creation of IT functional specifications, where necessary.


Risk Management:


Ensure proper systems are in place to effectively manage AML/CFT risks at the operational level.


Collaboration with IT and System Developers:


Work with system developers to ensure that systems align with optimized business processes.
Ensure both business and technical suitability of process changes.


Training and Implementation Support:


Develop training materials and support the implementation of process changes.
Facilitate training sessions to ensure smooth adoption of new processes.


Continuous Improvement and Process Control:


Develop and implement process controls, data collection mechanisms, and reporting tools.
Establish tools and frameworks to enable continuous improvement.
Support process owners in adopting and maintaining process controls.


Stakeholder Management:


Manage relationships and communications with key stakeholders across the bank.
Build trust and maintain buy-in for process re-engineering initiatives.


Additional Responsibilities:


Perform any other official duties as allocated by management from time to time.


The Person:


The ideal candidate must possess the following:


Qualifications/Experience:


Bachelor’s degree in business administration, Engineering, IT, or a related field.
Certification in Lean, Six Sigma, or related process improvement methodologies is a plus.
Experience in business process re-engineering or a similar role is a plus.
Strong analytical skills with the ability to document and redesign complex processes.
Excellent communication and stakeholder management skills.
Experience in Office 365 Power Automate/Power App is a plus


Competencies/Attributes:


Process mapping and documentation.
Risk management and compliance awareness.
Collaboration and teamwork.
Change management and implementation support.
Continuous improvement mindset. more

Job Purpose:
Digital Channels Officer will be responsible for Championing uptake of DFS products while ensuring exceptional relationship management for retention.
Responsibilities:

Recruitment of New customers by opening Accounts Virtually, On-board Credit Card customers, On-board Prepaid card customers, recruit New customers for Virtual Loans and New Family Pay customers.
Driving... Agent/Merchant/ MPESA Agents recruitment in the branch as per the laid down standards and CBK Guidelines as well as tracking and performance.
Drive uptake of DFS products in the Branch as per agreed KPI’s.
Guiding Agents/Merchants/MPESA Agents in their respective branches, through the uptake process and procedures, and follow up, assistance in terms of replenishing of materials, complaints resolve and general guidance and Ensure Nil dormancy.
Providing regular updates on the agent network and ensure Excellent Customer Service Delivery in Agents and Merchant Business by ensuring that Agents offer steller class customer centrism principles as guided by the banks policies.
Working with Branch team to provide continuous one on one Agent training on operations and product knowledge and training & Awareness for agents and Merchants on Anti Money Laundering (AML/CFT).
Ensuring Family Bank Agents and Merchants are visible with the correct branding collaterals.
Supporting the Branch on dormant PesaPap activations and dormant card renewals.
Ensuring observance of the Central Bank of Kenya Guidelines on Agent Banking by sensitizing Agents and Merchants on the CBK provisions and need to comply with the same.
Working with DFS Head office team to resolve operational issues affecting DFS Business and also ensure uptake of DFS innovations in the Branch.
Carrying out periodic and regular visits to the Merchants/Agents to drive Family Bank POS usage, ensure that dormancy levels of both Merchants are below 5 %.
Ensuring that 90% of transactions are migrated to channels.
Responsible for reporting potential and actual Money Laundering Risk, including suspicious transactions in accordance with the laid down AML policies & procedures and adherence to Data Protection Act.
Hand holding new Digital Channels officers by providing them with guidance on how to grow their business.

Qualifications:

Bachelor’s degree in commerce/business related field.
At least 1 year sales experience in banking, preferably Digital sales.

Competencies:

Goal-focused with a sharp ability to identify and capitalize on business opportunities, particularly in digital financial services.
Demonstrates creativity in the sales process, able to innovate and adapt strategies to meet targets in competitive or high-pressure environments.
Passionate and driven to achieve sales targets and organizational objectives, even under challenging circumstances.
Builds and maintains strong professional networks, leveraging these relationships to drive business growth and enhance service delivery.
Possesses the interpersonal skills necessary to build and sustain long-term relationships with clients, ensuring high levels of satisfaction and retention.
Proficient in negotiation and persuasion, able to influence outcomes in favor of the organization while maintaining positive stakeholder relationships.
Efficient in managing time and resources, ensuring that deadlines are met without compromising on quality.
Proficient in the use of Microsoft Office Packages and other relevant digital tools, with a strong understanding of how technology can be leveraged to enhance financial services.
Demonstrates unwavering integrity in all professional dealings, fostering trust and respect among colleagues, clients, and stakeholders.
Deep understanding of the financial services industry, particularly in the digital space, with insights into market trends, competitive dynamics, and regulatory changes.
Understanding of the Data Protection Act, Banking Act and Central Bank of Kenya (CBK) prudential guidelines. more

Job Purpose:
The incumbent will be responsible for the below main job purpose:

Supervisor: Responsible for overseeing all activities within the Digital Relationship Officers (DROs) team.
Strategist: Responsible for deciding how to approach tasks and develop a plan to accomplish them.
Communicator: Responsible for distributing information to Digital Relationship Officers (DROs) and... stakeholders.
Organizer: Responsible for keeping track of and structuring various tasks, Digital Relationship Officers (DROs) and documents.
Goal setter: Responsible for determining the goals that Digital Relationship Officers (DROs) will work toward.

Key Responsibilities:

Supervising the day-to-day activities of Digital Relationship Officers (DROs) involved in prospecting and building relationships with current customers in order to effectively sell Digital products.
Coach and develop Digital Relationship Officers (DROs) to achieve quality performance, setting priorities and attaining career development goals.
Work with internal marketing staff to determine the most effective campaigns for a geographic area.
Map and provide timely route plans in conjunction with Head of sales and Branch Managers.
Pick training needs from staff in your region to ensure standardized product training.
Identify opportunities to strengthen client relationships and encourage staff to up-sell products and services.
Develop scripts for Digital Relationship Officers (DROs) to use in emphasizing up selling, increasing channel usage and highlighting and new products or services.
To work closely with all members of the DFS team and drive delivery of the annual DFS targets which is a combined number across the branch network.
To develop and implement sales plans across with Digital Partners to increase sales across digital channels.
Provide timely reports to Head of Sales for the region on performance.
Work with Branch team to provide continuous operations and product knowledge and training & Awareness for agents and Merchants on Anti Money Laundering (AML/CFT).
Drive uptake of DFS products in the Branch as per agreed KPI’s.
Ensure Family Bank Agents and Merchants are visible with the correct branding collaterals.
Ensure that 95% of transactions are migrated to channels.
Other official duties and responsibilities as allocated by management.

The Person:
The ideal candidate must possess the following:
Qualifications:

University degree in Business related field.
An MBA or Masters in Business related courses is an added advantage.
A minimum of 2-3 years skilled experience in Digital Financial payments.
Exposure to Digital channels processes and procedures is a MUST.
Proven ability to drive the sales process from plan to close through cross-functional teams.
Demonstrable experience as a Team Leader in sales, developing client-focused, differentiated and achievable solutions.
Extensive knowledge in data analysis and performance tracking.

Key Competencies and Attributes:

Understands the Banking Act and Central Bank of Kenya (CBK) prudential guidelines; high levels of professionalism and professional development.
Excellent people management skills, team motivation and leadership competence.
Candidate should be able to work regionally.
Demonstrate the capability to build and maintains strong relationships.
Good negotiation skills.
Good listening skills.
Pleasant and able to relate well in diverse social set ups and teams.
Upholds high standard of Professionalism, integrity and respect for others. more