Job Purpose

The role is responsible for coordinating the management of all risks across the company, ensuring that operational and financial risks are properly identified, assessed, and effectively managed. It ensures that all Business Unit risks are maintained within the approved risk appetite and are managed in full compliance with regulatory and supervisory requirements, expectations, and internal policies.Career counseling services

Key Responsibilities

Enterprise Risk Management (ERM)

• Support the identification, assessment, and monitoring of risks across Malawi operations in line with the ERM Policy and guidance from the Regional Risk and Compliance Manager.
• Promote a risk-aware culture through regular engagement with teams and support rollout of ERM initiatives.
• Provide analytical inputs on key risk exposures and escalate significant issues to the Regional Risk & Compliance Manager.
• Maintain and update the Malawi risk register, ensuring key risks, controls, and indicators are accurately captured.
• Engage all departments to identify, quantify, and monitor operational and financial risks, and escalate gaps for regional support.
• Assist in developing and tracking risk mitigation plans to ensure timely and effective risk responses.
• Monitor emerging risks across Malawi and share timely insights with local leadership and the Regional Risk and Compliance Manager.
• Record and report local risk events in compliance with the Group risk taxonomy.
• Assist with preparing ERM guidance materials, controls, and training resources tailored to Malawi business needs.

Business Continuity Management (BCM)

• Support implementation of the Group Business Continuity Policy, BCP/DR plans, and strategy within Malawi.
• Work with business units to define Malawi RPOs, RTOs, and document supporting BCM capabilities, with regional oversight.
• Coordinate and monitor BCP tests in Malawi and assist in preparing reports for management and the Regional Risk and Compliance Manager.
• Track day-to-day continuity capabilities by liaising with Malawi business units and escalate gaps or risks.

Compliance Management

• Support rollout and monitoring of the Compliance Framework and internal policies in Malawi.
• Conduct periodic compliance reviews to ensure adherence to local regulatory requirements and internal standards.
• Provide regulatory guidance to teams in Malawi on compliance implications of new products, initiatives, and strategies, with support from the Regional Risk and Compliance Manager.
• Assist in developing compliance guidance materials, staff training resources, and local procedures manuals.

Anti-Money Laundering / Counter-Terrorism Financing (AML/CFT)

• Support implementation of AML/CFT policies and controls across Malawi in line with standards and local regulations.
• Prepare AML guidance materials, training resources, and internal handbooks for Malawi.
• Support management and the Regional Risk & Compliance Manager on AML/CFT implications, gaps, and remediation actions.
• Conduct customer due diligence checks, monitor AML risk assessments, and follow up on corrective actions.
• Support the filing of STRs and CTRs with the Financial Intelligence Authority (FIA) in Malawi.
• Ensure Malawi operations comply with all applicable international, regional, and local AML/CFT laws and regulations.

General Responsibilities

• Provide day-to-day analytical, monitoring, and reporting support to the Malawi Risk & Compliance function under regional supervision.
• Support capacity-building efforts for staff in Malawi, including training on risk, compliance, and AML/CFT requirements.
• Represent the Malawi Risk & Compliance function in internal meetings and regulatory engagements as delegated by the Regional Manager.
• Support administration of risk, compliance, and business continuity systems and tools used by Malawi operations.
• Promote and reinforce a strong risk, compliance, and ethics culture across Malawi.
• Support the functioning of local risk and compliance committees by preparing reports, minutes, and follow-up actions.
• Perform any other duties assigned by the Malawi leadership or the Regional Risk & Compliance Manager.

Data Protection & Privacy

• Support implementation of the Data Protection & Privacy Framework in Malawi, ensuring alignment with the Malawi Data Protection Act and related guidelines.
• Monitor compliance with data privacy requirements, including lawful processing, consent, retention, and data subject rights.
• Conduct periodic checks to ensure proper handling, storage, and protection of personal data within Malawi operations.
• Support assessment of new products, marketing initiatives, and systems for privacy risks (Privacy Impact Assessments / DPIAs).
• Coordinate reporting and management of data breaches in Malawi, including escalation to the Regional Manager and support in regulatory notifications where required.
• Support staff awareness and training on data protection responsibilities and secure handling of personal data.
• Maintain data processing records and assist in implementing controls for cross-border data transfers.

Knowledge, Experience And Qualifications Required

• Bachelor’s degree in a business-related subject, preferably in accountancy, from a reputable University.
• Minimum of 2+ years experience in a risk management and compliance role, preferably from a financial institution.
• Accreditations in Risk Management and compliance would be an added advantage.

Leadership category responsibility framework (Core Competencies)

Emerging Leaders In Britam Need To

• Plan, direct and apply efficiencies and resources in order to optimise output and profitability against time, cost and team targets;
• Effectively communicate strategic and operational departmental goals and objectives to peers and others in order to ensure proper implementation;
• Ensure that department priorities are adhered to and effectively communicated;
• Ensure competent and effective people resources through appropriate coaching, development and people supervision as appropriate;
• Embody a high performance, proactive culture;
• Effectively ensure the adherence to key performance areas, deadlines and goals in order to optimise operational effectiveness;
• Effectively communicate resource needs, possible opportunities and achievements to management in order to aid them in their decision-making;
• Effectively set and monitor priorities and objectives for more junior staff;
• Understand and communicate objectives in relation to the larger organisational impact;
• Effectively disseminate knowledge within the correct context, towards subordinates as well as management;
• Appropriately model the company values while setting the pace and energy for delivering;
• Effectively manage and communicate change within the department in order to increase staff and process effectiveness;
• Provide access to accurate and consistent information and services across all channels;
• Ensure a seamless experience for clients;
• Improve service delivery for clients;
• Engage in continuous brand building to become the trusted partners to clients.

Emerging Leaders Competency Descriptions.

Presenting and Communicating Information – Speaks fluently; expresses opinions, information and key points of an argument clearly; presents effectively; responds quickly to others ‘reactions and feedback during conversations; projects credibility.

Working with People – Shows respect for the views and contributions of team members; shows empathy; listens, supports and cares for others; consults others and pro-acitvely shares information and expertise with them; builds team spirit and reconciles conflict; adapts to the team and fits in well.

Adhering to Principles and Values – Upholds and encourages ethical behavior and departmental values; demonstrates integrity; encourages individual responsibility towards the community

• Support the identification, assessment, and monitoring of risks across Malawi operations in line with the ERM Policy and guidance from the Regional Risk and Compliance Manager.
• Promote a risk-aware culture through regular engagement with teams and support rollout of ERM initiatives.
• Provide analytical inputs on key risk exposures and escalate significant issues to the Regional Risk & Compliance Manager.
• Maintain and update the Malawi risk register, ensuring key risks, controls, and indicators are accurately captured.
• Engage all departments to identify, quantify, and monitor operational and financial risks, and escalate gaps for regional support.
• Assist in developing and tracking risk mitigation plans to ensure timely and effective risk responses.
• Monitor emerging risks across Malawi and share timely insights with local leadership and the Regional Risk and Compliance Manager.
• Record and report local risk events in compliance with the Group risk taxonomy.
• Assist with preparing ERM guidance materials, controls, and training resources tailored to Malawi business needs.
• Support implementation of the Group Business Continuity Policy, BCP/DR plans, and strategy within Malawi.
• Work with business units to define Malawi RPOs, RTOs, and document supporting BCM capabilities, with regional oversight.
• Coordinate and monitor BCP tests in Malawi and assist in preparing reports for management and the Regional Risk and Compliance Manager.
• Track day-to-day continuity capabilities by liaising with Malawi business units and escalate gaps or risks.
• Support rollout and monitoring of the Compliance Framework and internal policies in Malawi.
• Conduct periodic compliance reviews to ensure adherence to local regulatory requirements and internal standards.
• Provide regulatory guidance to teams in Malawi on compliance implications of new products, initiatives, and strategies, with support from the Regional Risk and Compliance Manager.
• Assist in developing compliance guidance materials, staff training resources, and local procedures manuals.
• Support implementation of AML/CFT policies and controls across Malawi in line with standards and local regulations.
• Prepare AML guidance materials, training resources, and internal handbooks for Malawi.
• Support management and the Regional Risk & Compliance Manager on AML/CFT implications, gaps, and remediation actions.
• Conduct customer due diligence checks, monitor AML risk assessments, and follow up on corrective actions.
• Support the filing of STRs and CTRs with the Financial Intelligence Authority (FIA) in Malawi.
• Ensure Malawi operations comply with all applicable international, regional, and local AML/CFT laws and regulations.
• Provide day-to-day analytical, monitoring, and reporting support to the Malawi Risk & Compliance function under regional supervision.
• Support capacity-building efforts for staff in Malawi, including training on risk, compliance, and AML/CFT requirements.
• Represent the Malawi Risk & Compliance function in internal meetings and regulatory engagements as delegated by the Regional Manager.
• Support administration of risk, compliance, and business continuity systems and tools used by Malawi operations.
• Promote and reinforce a strong risk, compliance, and ethics culture across Malawi.
• Support the functioning of local risk and compliance committees by preparing reports, minutes, and follow-up actions.
• Perform any other duties assigned by the Malawi leadership or the Regional Risk & Compliance Manager.
• Support implementation of the Data Protection & Privacy Framework in Malawi, ensuring alignment with the Malawi Data Protection Act and related guidelines.
• Monitor compliance with data privacy requirements, including lawful processing, consent, retention, and data subject rights.
• Conduct periodic checks to ensure proper handling, storage, and protection of personal data within Malawi operations.
• Support assessment of new products, marketing initiatives, and systems for privacy risks (Privacy Impact Assessments / DPIAs).
• Coordinate reporting and management of data breaches in Malawi, including escalation to the Regional Manager and support in regulatory notifications where required.
• Support staff awareness and training on data protection responsibilities and secure handling of personal data.
• Maintain data processing records and assist in implementing controls for cross-border data transfers.

• Risk Management
• Compliance Management
• Business Continuity Management
• AML/CFT
• Data Protection & Privacy
• Analytical Skills
• Communication Skills
• Reporting
• Training and Development
• Problem-solving
• Interpersonal Skills

• Bachelor’s degree in a business-related subject, preferably in accountancy, from a reputable University.
• Minimum of 2+ years experience in a risk management and compliance role, preferably from a financial institution.
• Accreditations in Risk Management and compliance would be an added advantage.