Employer : Standard Bank Industry : Financial Services Period : 2014 to 2018 Position : Senior Solution Designer – Payments Design and integration Responsibilities Analyses and designs payments solution to enable customer and business requirements. Analyses payments value chain – as it is (as-is), compares it to a desired future state (to-be) and identifies the necessary changes to achieve that future state. Analyses payments business processes, identifies inefficiencies and determines how to improve on them. Identifies process objectives, key metrics, baselines and target values to ensure process efficiency. Identifies and analyses business rules, risks, controls, events and workflow requirements that govern the execution of payments business processes to allow for optimal risk mitigation. Ensures that process designs adhere to payments design principles Expert understanding of suspense account/s hierarchy and flow and transaction types to ensure optimal process flow Advanced understanding of SAP Receipt Account and associated exceptions for each transaction type/flow Ensure accurate reconciliation processes are in place (as per Reconciliation Framework) Advance understanding of transaction mapping to Bank Analyser and General Ledger, to ensure that transactions are posted/aggregated into the correct GL Accounts. Certify compilation of Test cases and conduct testing tested for positive and negative scenarios for payments value chain Ensures seamless integration of new/existing solutions into the Payments value chain. Advocates accurate implementation of consistent business rules, risks, controls, events and workflow requirements that govern the execution of payments business processes to ensure optimal risk mitigation. Engages IT, Business, Operation and Product to ensure optimal solution design and integration Coordinates with other projects to outline impact and integration points for new or existing solutions, in ensuring minimal disruption to business operations.

Employer : Standard Bank Industry : Financial Services Period : 2011 to 2014 Position : Payments Subject Matter Expert – Business Operations Responsibilities The Payments SME functions as an ambassador to various stakeholders within business Provide Guidance, make recommendations and actively participate in all in all phases of a transition Understand the purpose or goals of a transition and align it to the overall strategy of Business Operations including Service, Maintenance, Originations and DRDM Define Business requirements and recommend a technical or business approach to meet project needs Align all projects to the operations strategy Ensure alignment of projects to operations business processes (People, Process and Technology) Single point of contact for business partners in terms of new projects Provide support to the Production area in terms of new implementations or reconciliation challenges Sharing of knowledge with the Production area staff members Key deliverables: • Facilitates and aligns the design of common, optimised payment processes within the payment group strategy and architectural blue print • Participates in and applies payment architectural design • Analyses payment business processes and facilitates common, optimised processes within the payment business • Analyses data associated to payment processes, its optimisation and re-use within the payment business • Integrates payment initiatives where alignment is required • Provide insight, knowledge and guidance to project team • Shares payment knowledge across multiple project teams • Participates in project requirements associated to the payment strategy or payment business • Provides support and expertise to project teams in terms of payment • Integrates payment projects impacting the strategy and architecture • Gathers and analyses existing project documentation • Analyses project requirements • Translates requirements into a workable, integrated, sustainable solutions aligned to the payment business and strategy • Completes documentation as required by the project in adherence to its deadlines and commitments • Functions as a subject matter expert across payment processing within payment operations • Resolves technical and complex problems, especially in support of operations issues • Applies specialist knowledge in a focused role working with relatively complex product information • Often acts as a point of escalation for matters with higher level of complexity than those handled by operations resources • Accountable for service delivery through own efforts • Individually accountable for managing own time, tasks and output • Makes increased contributions by broadening individual skills • Collaborates effectively with others to achieve personal and team results • Accepts and lives the company values • Performs quality checks on own work

Employer : Standard Bank Industry : Financial Services Period : Mid 2008 to 2011 Position : Green Belt Consultant – Support, Payment and Cash Services Responsibilities To investigate potential projects in conjunction with the Technical Leads, Black Belts, or Process Support guidance. To execute design six sigma/Green Belt projects as defined through the Governance Process and to ensure reporting takes place as required by the BPM methodology/Green Belt Six Sigma execution process To research the latest trends in the operation associated with, according to what project is being executed. To ensure priorities on projects are understood and executed within accordingly. To ensure the solutions developed are practical, simple and to ensure that they are implemented. To develop and maintain strong working relationships with line staff, process consultants and other Green Belt members – using these relationships to exchange information to further both yourself and the other party. Strategic projects of longer than 3 months may be undertaken that are of a more technical nature than the average green belt project To provide information on Operations, (where allocated to), to the Technical Lead, Black Belts or Process Support area. To ensure all issues are escalated to the Lead or Black Belt. This should be done sooner rather than later and should be fact based. To ensure acceptance into the Business unit seconded to, staying within the values and ensuring a delivery focussed approach to all tasks over and above projects. Reason for leaving : Career development

Employer : Standard Bank of South Africa Limited Industry : Financial Services Period : April 2007 to Mid 2008 Position : Manager – Group Payments Programme Responsibilities Participate in the interpretation and formulation of the Payments Business and Operating Model pertaining to the business strategy for payments. This includes alignment to other Business and Operating Models in the Bank i.e. Customer, Distribution, Product, Credit, Business Operations and any resulting enterprise models Understanding and applying payment business requirements throughout the payment models. i.e. Business Model, Operating Model and Capabilities Map Identifying and understanding the Payments Business Model and aligning it the enterprise models. Identifying the current and future capabilities relating to payments at an enterprise level represented as a base of process, technology and people directed at achieving a set of business objectives. To extend beyond functional and process boundaries within organisation and moves further into organisational structures, location and technology enablers relating to the payment environment in the enterprise. This includes, reviewing current business systems and propose solutions to increase efficiency / remove duplication (processes, reconciliation, payment engines, etc.) Participate in the recommendations and road map to close identified gaps in terms of Capabilities Provide business support and expertise relating to the key responsibilities to the team and other areas of the Bank that will assist in the enhancement of payments strategy, payment processes, business architecture and business systems within the Standard Bank Group. Recommendations and road map to close identified gaps in terms of the overall Payment architecture. Reason for leaving : The opportunity to put architectural experiences into practice – Operation TOM

Education Tertiary Education The Institute of Bankers in South Africa – Licentiate Diploma (LIB) Wits Business School – Management Advancement Program (MAP) BankSETA/Da Vinci University – Management of Technology and Innovation (MoTI) MSc in Systems Thinking – Da Vinci University (MoTI) Six Sigma Green Belt – Juran Six Sigma Black Belt – Juran Secondary Education Waverly Girls High School 1985 Training Courses completed MicroSoft Office – very well versed Sungard Suite – intelliMATCH Various Branch Banking Related Courses Introduction to the IBM PC Using the IBM PC and PS2 IVI Information System Data Management 5 Integrated Performance Management System Presentation Skills PC Instructor Writing Skills Reading Skills Q-Packaged programs KeyMaster Personal Computers KeyMaster Easy Logic Advanced System Analysis Technology Analysis ADW (Ernst & Young) Joint Application Development Facilitator (James Martin & Co.) Information Mapping (Information Mapping, INC) Microsoft Project ’98 (ISU Campus) Flight (Project) Simulation Advanced (Davis & Dean) Mike King – Business Modelling with Objects Radical Training – Software Development Techniques Object Orientation – Rational Advanced JAD Facilitation – James Martin Websphere Business Modelling – WBM – IBM Quality Process Results (QPR) Business Process Modelling

Achievements in my current position BankSeta – Women’s Development Programme Selected as 1 of 15 women nationally in South Africa across the Financial Services Sector to participate in the 2008 Bankseta – Women’s Development Programme. The programme included an international learnership experience in India giving exposure to international business practices in leading Indian businesses. Companies visited in India included ICICI Bank, NABARD, TATA Group, Haresh Bijoor Consulting, Azim Premji Foundation, the Firstrand Banking Group in India and the Grameen Bank. The insights gained through this opportunity gave me a special link to the importance of social relevance in the world of business. Mobilisation the Payment Capability in PBB – Business Operations I was strategically and operationally involved in identifying and mobilising the Payment processing subcapability within PBB-Business Operations. During this time, I was participative in setting up and aligning this stream at an enterprise level as well as creating an inherent awareness to begin leadership transformation towards the need for a Payment Stream within the bank. Cash Services Model As a Business Process Architect, I was allocated the architecture for Business Operations. During this time, I was participative in identifying the Cash Services footprint for mobilisation into South Africa and its alignment to other areas of the bank such a CIB and its other counterparts in the Bank. Integrated Processing Centre and Business Fulfilment Centres As a Business Process Architect, I worked on the journey from a BFC environment to that of an IPC. During this time, I was participative in identifying the business processes aligned to this journey, their rationalisation, centralisation and optimisation. MultiChannel and Payments Architecture As a Business Architect I worked on defining the bank’s Payment and MultiChannel Architecture and the strategic journey required to achieve these states. This required understanding international best practice, an intimate understanding of the bank’s business processes in these realms as well a the technical and data requirements that affect the business in these areas. These architectures have since been undertaken and have reached a global implementation level. Payment Factory Having defined the bank’s payment architecture as well as operationally involved in identifying and mobilising the Payment processing sub-capability within PBB-Business Business Operations I was given the opportunity to define and implement a Payment factory in the bank’s Business Operation. I am currently working on this, that is, at implementation level. As a Business Analyst Bank at any Centre Operational Data Store Capacity Management Varying Origination Service and Support functions in the Branch Delivery System Teller re-write Inter-Bank Cash Management System Namibia National Payment System Inter-Bank Mzansi Money Transfer