Manage relations with the Xclusive portfolio on a layered basis for business growth and to achieve relationship management targets.
Appraise loan applications making sure that they meet the set standards and credit requirements using the prescribed score cards and return those that do not meet specifications to the front office desk for follow up to avoid losses.
Initiate credit applications... for new and existing customers by completing the documentation with customers, completing the required financial analysis and submitting applications to credit for approval to meet the set agreed timelines.
Increase product penetration for the Xclusive customers by reviewing their portfolio to determine potential cross sells and proactively recommend new products to them.
Conduct regular face-to-face customer visits, site visits, recognition initiatives and write updated call report for each visit as per agreed standard in agreed targets for customer retention.
Receive and verify customer documents for account opening, facilities and other customer instructions according to the laid down procedures.
Timely notification of customers in regards to their loan approvals/declines of credit facilities and advise alternative options in case of a decline for customer satisfaction.
Identify areas of concern/potential fraud and develop appropriate remedial processes/systems, which encompass both the operational and financial aspects of risk management.
Monitor the Xclusive portfolio performance and ensure that PAR and NPA is kept within the acceptable limits to avoid losses.
Manage credit and operational risk in account opening and loan processing to avoid fraud and losses.
Onboard new customers on quick banking and inform customers of other appropriate service channels.
Comply with KYC, AML & suspicious transactions reporting and ensure that all documentation and transactions are in line with local and regulatory anti-money laundering and KYC requirements. Financial Responsibility.
Acquire new Xclusive relationships, accounts and grow and manage the Xclusive portfolio. more

Prepare credit facility applications that meet dfcu bank credit approval requirements to grow the asset base (portfolio) and related bank revenues like interest income, commissions and fees.
Provide credit structuring support (guidelines and valuable suggestions) to the business units to enable the bank meet client needs in a timely manner.
Consistent, periodic monitoring of credit exposures... to minimize None Performing Assets (NPAs).
Maintenance of credit files and ensuring that credit related records are properly documented.
Perform industry studies and conducts financial analysis of sector customers using credit review skills and financial expertise to support productive sales performance credit scoring.
Evaluate and acquire a good understanding of the risk associated with individual transactions, products and borrowers.
Advise RMs on the quality of the portfolio by analysing the ratios of their customers, portfolio at risk, accounts in arrears.
Make client courtesy calls and visits to provide advisory services to achieve portfolio quality.
Timely resolution of customer issues that require analysis of their accounts.
Review existing credit facilities on an annual basis and make necessary propositions like renewals, restructures.
Timely submission of required documents to credit and legal teams to have fast turnaround time.
Compliance to internal controls as per credit approval criteria as detailed in the Credit Policy and Operational Guidelines to avoid/minimize loss of revenue and prevention of frauds and forgeries.
Support the business teams to engage Credit Documentation for the issuance of Offer Letters to clients in a timely manner. more

Source for new business and maintain existing accounts to achieve sales & relationship targets for Business growth.
Monitor own portfolio to ensure that PAR and NPAs are kept within the acceptable levels.
Appraise loan applications making sure that they meet the set standards and credit requirements using the prescribed score cards and return those that do not meet specifications to the... front office desk for follow up to avoid losses.
Initiate credit applications for new and existing customers by completing the documentation with customers, completing the required financial analysis and submitting applications to credit for approval to meet the set agreed timelines.
Increase product penetration for allocated customers by reviewing their portfolio to determine potential cross sells and proactively recommend new products to customers for Business growth.
Receive security documents from customers ensuring that they meet bank standards and any specific requirements depending on the facilities offered to the customer.
Follow up on all approved loans and ensure that customer information is correctly captured in the system i.e. standing orders, interest rates, repayment schedules, limits, review and expiry dates to avoid losses.
Follow up on irregular accounts and generate actioned arrears report for submission to credit for a quality portfolio.
Make calls to clients with loans in arrears to support timely collection and generate reports to ensure NPA/PAR are within the acceptable levels.
Process disbursement requests for all lending products in order to achieve the branch targets.
Take responsibility for the performance of allocated SME portfolio in order to maximize loyalty and customer satisfaction
Onboard new customers on quick banking and inform customers of other appropriate service channels.
Comply with KYC, AML & suspicious transactions reporting and ensure that all documentation and transactions are in line with local and regulatory anti-money laundering and KYC requirements
Undertake additional duties and/or transfer you to other duties compatible with your skills and experience within dfcu more generally as the Bank shall in its absolute discretion determine. more

Develop and review the bank’s Anti-Money Laundering program and strategy ensuring that there are adequately documented policies and procedures in place that include all relevant legal and regulatory requirements.
Stay abreast of money laundering and terrorist financing trends and typologies and utilize this information during high profile investigations as well as create awareness around new... potential risks or AML trends.
Provide specialist knowledge and leadership to the team, to enable the development, maintenance and implementation of the relevant part of the Functional Framework and provide assurance that business is undertaken in a compliant manner to avoid operational losses, fines, penalties or reputational damage.
Provide specialist knowledge and leadership of the team ensuring the potential risks arising from the constantly changing legal and regulatory landscape are addressed by benchmarking the framework against international best practice.
Plan and execute periodic reviews of processes and reporting procedures, inclusive of automated / system enabled processes, identify gaps, risks and potential inefficiencies and lead the development and implementation of new or improved processes and / or system improvements.
Coordinate and oversee the periodic and ad-hoc systems, processes or data related reviews (e.g. rule tuning, systems verification, transaction monitoring, bank data testing, quality assurance reviews) as per policy, monitoring plan and best practice.
Oversee the preparation of client risk briefing notes based on identified risks emanating from investigations and brief Executives as required.
Develop mechanisms and practices to identify and track matters of interest in the media to proactively determine customer risk and advise the business accordingly.
Collaborate with the Financial Intelligence Authority, as and when required, to address large scale or sensitive financial crimes, as they relate to specific requests issued by the FIA. Participate in joint initiatives / investigations with other teams in the bank.
Manage in-depth investigations into escalated, high profile, high risk and sensitive in nature, money laundering and terrorist financing activities, Politically Exposed Persons (PEPs), Politically Influential Persons (PIPs) or Tip-Offs.
Oversee the team of AML analysts with respect to enhanced analysis, research and transaction monitoring to identify and analyze suspicious activities.
Manage the monitoring of high risk individuals and accounts and ensure that the key stakeholders are kept informed of developments and risks.
Identify and escalate matters proactively for the attention of line management, and the Country MLCO to bring identified risks to their attention with well formulated and summarized information.
Personally handle sensitive investigations, freezing orders, regulatory requests or monitoring orders directly, when required to do so.
Support and maintain strong team dynamics and culture.
To interact with each Business Unit (‘BU’) to ensure co-ordination and effective management of compliance processes.
Analyse and identify compliance risks, processes & controls and provide advice to management, relevant committees, within the BU(s) and the embedded business risk management function and employees, to effectively manage compliance issues.
Facilitate a comprehensive and up to date understanding of the status of compliance and regulatory matters.
Safeguard the reputational risk of the Bank by ensuring the BU(s) supports the reputational risk standards and related reputational risk policies & procedures.
Review of transactions and alerts generated by the surveillance system and take appropriate action.
Periodically review systems, processes and data to ensure they’re fit for purpose.
Monitor global trends and typologies in Money laundering and ensure the bank is well positioned to address these risks.
Remain aware of regulatory and legislative developments, and practices of regulatory authorities, which are relevant to the BU(s).
Ensure and track that the appropriate regulatory framework is in place for the BU(s) to adequately manage compliance risks. more

Oversee the completion and maintenance of the Compliance function’s governance strategy including annual monitoring plan, training plan and regulatory engagement plan etc.
Managing the team within compliance in the completion of compliance monitoring activities including onsite inspections, gap assessments, issue tracking etc.
Advise on best practice processes and systems to effectively... monitor and control adherence, conformance, Governance and compliance to all policies and standards to ensure compliance with statutory and regulatory laws.
Identify and report on trends of non-conformance and compliance as per the required framework and standards across the bank and advise on critical development areas identified and required remedial actions.
Develop and ensure maintenance of a robust system for tracking new laws and regulations, interpreting the impact of these laws and mapping them against current policies and procedures to determine where changes are needed.
Ensure timely preparation and circulation of required periodic compliance reports to regulators, management and Executive Committees.
Keep abreast of and analyze relevant legislative and regulatory developments, impacting the bank to understand the implications for the organization and to deliver expert advice to the relevant Functions.
Responsible for communicating to senior management on implications of existing and proposed regulation and developing potential responses.
Ability to communicate with senior management and share insights based on analytics findings & testing results for management review.
Proactive engagement with the regulators to support material strategic and business development of dfcu bank.
Support and maintain strong team dynamics and culture.
To interact with each Business Unit (‘BU’) to ensure co-ordination and effective management of compliance processes.
Analyse and identify compliance risks, processes & controls and provide advice to management, relevant committees, within the BU(s) and the embedded business risk management function and employees, to effectively manage compliance issues.
Advise on Compliance Related Legislation affecting the respective Business Units (BUs).
Facilitate a comprehensive and up to date understanding of the status of compliance and regulatory matters.
Safeguard the reputational risk of the Bank by ensuring the BU(s) supports the reputational risk standards and related reputational risk policies & procedures.
In line with the compliance monitoring plan, monitor compliance with regulatory requirements and mandates to identify further areas of improvement and detect significant compliance breaches and exposures.
Assist and advise the BU(s) on the resolution of compliance audit/ monitoring issues.
Ensure the maintenance and alignment of the Bank’s Compliance Manual.
Lead the development, drafting and updating of policies, procedures and related training programmes.
Ensure that relevant compliance training has been tailored for BU(s) and, if appropriate, assist in the delivery of the training and awareness.
Remain aware of regulatory and legislative developments, and practices of regulatory authorities, which are relevant to the BU(s).
Assess and advise the BU(s) timeously and effectively on the impact of regulatory developments.
Ensure and track that the appropriate regulatory framework is in place for the BU(s) to adequately manage compliance risks. more

dfcu Bank is offering Internship opportunities to University students pursuing degrees in the 2nd, 3rd and 4th academic study. The duration of the internship is three (3) months from June 2025.

Pursuing a Bachelor’s degree program from a recognised University.
An introduction letter from the University and a copy of student ID.
Current academic scores reflecting a minimum of a second-class... upper degree.
Excellent verbal and numerical skills.
Computer knowledge, working with Microsoft Office packages.
Attention to detail.
Results-oriented individual.
Good communication skills.
Self-driven.
A positive attitude.
Full-time availability for the duration of the period. more

Conduct initial analysis of customer transactions using internal/external research tools to assess and determine if the transactions seem plausible or if there is reasonable suspicion that the transaction involves money laundering.
Supporting the development and maintenance of an effective automated monitoring system and related KPIs.
Maintaining knowledge of AML risks and regulations... related to AML/ATF regulatory expectations
Ensuring the rules and alerts written for monitoring bank products are appropriately tuned and maintained.
Reviewing systematic Anti-Money-Laundering (AML) alerts generated from the AML transaction monitoring system and determining if transactions occurring are valid Anti-Money Laundering risks.
Performing research considering various AML risk factors and indicators to determine if the alert/case needs to be escalated.
Accurately document the rationale for case closure or escalation as appropriate
Undertake prompt closure of eligible alerts not deemed as unusual or suspicious.
Reviewing financial transactions to identify possible instances of money laundering, suspicious activity, or other criminal activity.
Monitoring transactions for signs of fraud or other illicit activity to help detect patterns of suspicious activity that may require further investigation
Preparation of customer transaction analysis summaries on request. more

To support the Head of Compliance, and the embedded business risk management function to discharge their responsibilities relating to the compliance risk management process as required by relevant regulatory requirements, applicable codes of conduct and minimum standards.
Assist Business Unit (BU) Heads and the embedded business risk management function by providing advisory services to guide... BU Heads in discharging their responsibility to comply with applicable statutory, regulatory and supervisory requirements to:
Protect the reputation of the Bank;
Avoid legal action against the Bank;
Promote a good working relationship with supervisors/regulators; and
Enable the Bank to demonstrate to regulatory authorities and other stakeholders that it is “fit and proper” to undertake its business.
To maintain and develop a thorough understanding of the relevant regulatory requirements applicable to the Bank; thereby facilitating the establishment of a compliance culture.
To provide advice and guidance to the business units. more

Accelerate mass acquisition & drive retention for the WiB customer.
Lead the development & implementation of competitive Marketing Plans and Sales Strategies to grow dfcu’s penetration of the WiB sector and drive up revenues.
Develop and implement strategies to sustainably mobilize and retain deposits.
Design strategies to ensure that customers are experiencing the promised value... propositions and that mechanisms are in place for collecting & utilizing both positive & corrective feedback.
Drive up digital platform utilization amongst WiB customers.
Continuously monitor the quality of the WiB Client loans portfolio by reviewing credit reports and focusing the team on the collection of watch accounts.
Take responsibility for the implementation of risk-management controls and statutory compliance across the WiB Portfolio.
Actively contribute towards the development and implementation of an innovation and digital-transformation strategy that measurably enhances the WiB Sector’s competitive position; ensure improvement projects cost-effectively achieve their desired impacts.
Train and equip the Sector’s staff (including branch representatives) to deliver consistently satisfactory experiences to customers. more

Design, configure, deploy, and maintain the state of the enterprise security for the Core Banking system and related applications
Analysis and resolution of Finacle-related issues which have been escalated from the bank L1 support team during operations and maintain proper documentation/logs for resolution provided.
Coordinate with L3 support and product vendor in case of product... bug/enhancement requirements and follow up with the vendor for early resolution and solution. Provide alternate solutions while pending the final resolution to help the bank continue with the business functions.
Connect24 and Finacle Integrator Support.
Owning all core Banking calls assigned in the service plus system to carry out problem investigation and analysis, follow-up with the respective teams/Infosys and update the status with issue resolution and follow-up for closure.
Knowledge transfer, end users, L1 and L2 team members through organized on-job and off-job training.
Own and document all Customization-Modifications done to the Core Banking system for continuity;
Customization-Modification of existing Customizations, review of new customization requests, design, development and deployment of the same in production upon business confirmation.
Provision of advisory services to the bank on the optimum use of Finacle products.
Bottom-line responsibility for all product issues related to Finacle.
Plan, coordinate and implement security measures to safeguard the Core Banking platform against accidental or unauthorized access or modification to the system.
Schedule, plan and supervise the installation and testing of new products, upgrades, patches or improvements to the Finacle product suite.
Gather system enhancement, data extract requests and reporting requirements from system users and work closely with the information technology team to develop detailed technical requirements and resulting specifications.
Maintains Core Banking systems performance by performing proactive system capacity and availability monitoring and analysis, and performance tuning; troubleshooting network problems; and escalating problems to vendors.
Meets financial requirements by submitting information for budgets; and monitoring expenses.
Customise the Finacle front-end and back-end Functionality
Manage, Configure and optimise FInacle C24 and FI and interface with internal and external applications
Carry out problem investigations and Effectively troubleshoot Finacle Problems
Provide support to Level 1 and Level 2 resources more