TSHIRELETSO KGOLOEMATLHO
Ramotswa
Summary
- Completed Bachelor of Economics, majoring in Analytical Economics (Hons)
- Third Party or vendor risk Management
- Business resilience and continuity management
- Ability to train staff in improvement to the organisational risk management and culture.
- Regulatory risk and compliance advisory
- Ability to create controls to ensure compliance regulatory requirements of the organisation.
- Knowledge, sound understanding of data analysis.
- Ability to quickly grasp new concepts, approaches, or systems.
- Willingness to learn new processes, products, and policies.
- Knowledge, understanding and ability to advise on various trade and Banking Products
- Excellent interpersonal and teamwork skills.
- Ability to Communicate complex material in a clear and simplified manner.
- Research, Data Analysis Systems & computer skills.
- Knowledge on Enterprise risk management and driving audit readiness
- Health and safety coordinator
- Strategic & Project Management
- Business Enablement and Continuous improvement
Overview
15
15
years of professional experience
8
8
years of post-secondary education
Work History
Country Business Manager, Financial Markets (Angola & Botswana)
STANDARD CHARTERED BANK
04.2021 - Current
- Stakeholder Management- the ability to set an appropriate tone and expectations for the team, working in collaboration with risk and control partners across all functions to effectively embed a strong culture of risk awareness and good conduct for the Botswana Financial Markets business.
- Exemplary regulatory compliance and business conduct
- Investigative skills to ascertain the root cause of risk events and losses.
- Business Management & business enablement skills (innovation).
- Business Resilience and Continuity Management
- Project Management Skills
- Anti-Fraud, Financial Crime and Money Laundering skills
- Health and Safety coordination
- Strategic Leadership & Attention to detail (Audit engagement, advisory and statutory reviews)
- Ability to work under minimal to no supervision.
- Identification, assessment, smart actions, monitoring & reporting, escalation of material risks timeously for the Markets Business (Financial & Treasury) covering both Angola and Botswana.
- Ensure proper maintenance of the risk and compliance obligation register for adequate notification or timely escalation to the management or executive committees.
- Develop control enhancements and processes to ensure standardised approach and that any known risks are controlled within acceptable boundaries and levels according to strategy.
- Ensure there is compliance with policies applicable to Financial Markets/ Treasury which impact risks associated with the Markets business (Financial & Treasury Markets).
- Highlight emerging/horizon risks and take proactive measures and mitigation plans.
- Mentor Financial Markets/Treasury Markets staff across all segments on business controls, governance, incident escalation, risk management and regulatory supervision.
- Ensure that the Financial Markets/ Treasury Markets staff have undertaken the relevant trainings to perform their duties and perform their responsibilities within their delegated responsibilities.
- Working closely with the Anti money laundering and prevention officer to ensure the controls in place are adversely adhered to by the staff.
- Conduct and arrange training for the Financial Markets/ Treasury Markets business as they may need or require through engagements to drive and improve the well-established risk culture.
- Assisting the Financial Markets/ Treasury Markets, Product desk Heads and the Regional Financial Markets management to align the Risk management with the business strategy.
- Continuously evaluating the process to ensure there is nil ambiguity or duplication of effort for best service to the clients to enable the business to maximise profitability and cost saves.
- Monitoring and evaluating the projects within the unit to operate within the acceptable risk levels.
- Ensure the business is enabled on process improvements, removing ambiguity or blockages.
- Putting in place the business resilience continuity plan, periodic review, testing and ensuring the continuity site is always ready for any unforeseen circumstances.
- Maintenance of the regulatory obligatory register to ensure the business adheres to all relevant regulations, align with their policies, procedures of processes to avoid potential fines or charges.
- Undertaking gap analysis for all regulations and regulatory circulars to ensure compliance.
- Acting as the main contact point for audits and statutory body reviews and ensuring the units are always audit ready to avoid failures or adverse material findings.
Manager, Risk, Governance & Control
STANDARD CHARTERED BANK
04.2018 - 04.2021
- Knowledge and understanding of risk and control management.
- Risk identification, recording, reporting, monitoring, and management.
- Good communication and presentation skills
- Analytical Skills and Eye for detail
- Strategic thinking and Capability
- Investigative Skills to ensure the proper root causes being in place.
- Knowledge of the regulations governing the business.
- Ability to train and challenge the status quo.
- Assisting the Head, Risk Governance and Control to ensure there is proper risk identification, investigation of the root cause for all risk issues/losses, risk impact assessments, proper mitigation plans and monitoring are in place for the units.
- Risk forum pack preparations to ensure all relevant risks are adequately covered, discussed, and escalated for country management and executive interventions and assistance.
- Coordinating, driving, and directing effective risk and compliance forums.
- Ensure quality, accurate information recorded in the risk registers with proper action plans.
- Monitoring of third-party risk management or vendors to ensure proper assessments held, timely payments and performance reviews held by carrying out thematic reviews.
- Putting in place processes and policies to ensure there is adherence and compliance to regulatory requirements and escalating challenges for management intervention.
- Undertaking periodic business or thematic reviews or assessments to ensure audit readiness.
- Ensuring there is clearer guidelines and training to the staff members for processing, adherence to health & safety, information & cyber security, and others to avoid accidental and data losses.
- Control implementations to ensure there is compliance to the regulatory and business internal requirements.
- Provision of risk management reports to all relevant stakeholders for awareness on emanating risk issues in their units for monitoring, updating of actions and timely closure.
- Being the source of reference within Retail Banking & Wealth Operations by facilitating and promoting the understanding of risk and compliance requirements by providing training needs where necessary to improve the organisational risk culture.
- Cooperating with the Money Laundering Prevention Officer to ensure appropriate internal controls and procedure for money laundering prevention is in place and functioning as intended.
- Ensuring there is timely assessment of the residual risks within the business units.
- Ensuring all essential Policies and regulations are circulated to stakeholders timely and effective.
- Coordinating and ensuring implementation of a comprehensive Business Continuity Plan by setting up periodic tests and constant system maintenance at the site by the Technology team.
- Undertaking additional duties requiring attention assigned by the Governance Risk and Control Head at any given date or time.
- Proper assessment of new products/business/projects/regulations for any potential risks to adequately implement detective or preventative controls for adherence.
- Execution of existing controls to test if the processes or policies in place are working effectively to comply to the regulations and internal requirements of the organisation.
- Drive audit readiness plans for the unit and the organisation.
Cash Management Ops Risk Person
STANDARD CHARTERED BANK
09.2015 - 03.2018
- Knowledge of Cash Products and Processes for Governance & Control.
- Knowledge and the Ability to learn Risk and Compliance Issues.
- Responsible to assist the Cash Management on the periodic assessment of controls and raising exceptions for correctness to ensure adequate risk management.
- Conducting independent assessments to ensure proper risk management and audit readiness.
- Timely review of processing guidelines, sanctions, and anti-money laundering compliance.
- Reviewing adherence to processing guidelines highlighting processing failures.
Assistant Trade Operations Manager
STANDARD CHARTERED BANK
11.2013 - 03.2018
- Knowledge of Trade Finance & Cash Payments Products
- Specialist on Demand guarantees, drafting and vetting format for risk gaps.
- Stakeholder Management (Commercial and Institutional, Global subsidiaries, Business Banking, Cash Management, Custody services, Client Service Group, Transaction Banking, Legal)
- Processing of Trade Related Products
- Knowledge and ability to guide on the latest International Chamber of Commerce Uniform Rules for Demand Guarantees (URDG), International Standby Practices (ISP98) and Uniform Customs and Practice for Documentary Credits (UCP600)
- Client engagement (external and internal) in advising of Trade related products.
- Knowledge and understanding of risk compliance and controls.
- Knowledge of Trade and Cash Payments sanctions and anti-money laundering triggers.
- Knowledge of Custody products.
- Periodic review of department controls of the department for risk and compliance management.
- Engagement with the Financial Markets team on booking the internal Foreign Exchange rates for timely utilisation to avoid foreign exchange losses.
- Review guarantee formats for compliance to the ICC(International Chamber of Commerce) rules.
- Stakeholder advisory on Trade system enhancement to reduce potential risks and impacts.
- Reviewing of trade products performance for guidance to the business enablement.
- Ensuring that transactional requests are processed timely and within the approved limit.
- Advisory on complex trade transactions to ensure the risk management of exposures.
- Continuously monitoring the Product's client portfolio and transactions for signs of weakness.
- Consistent client service by reporting issues of client dissatisfaction expressed by clients from different channels and forums as well as providing feedback to internal stakeholders.
- Supporting the sales team by sending out the reports for product performance tracking, product training and advisory, joint client visits for best sales proposition.
- Monitoring the management of internal bank accounts and advise against misuse.
Assistant Relationship Manager
STANDARD CHARTERED BANK
09.2012 - 10.2013
- Client Credit Management Risk System, Screening & Bureau Checks
- Knowledge of Business and Trade products (Term Deposits, LCs, Foreign Exchange)
- Stakeholder Management (Credit Risk Control, Trade, Credit, Cash, Internal Processing Unit, Retail Branches, Client Due Diligence)
- Client Service and Engagement
- Networking ability & Financial acumen
- Assisting the relationship manager on client guidance for international trade products matching with their profile or businesses, meeting sales targets, credit risk and portfolio management.
- Proactive Risk Management by monitoring and reporting breaches to the business.
- Preparation of management reports and analysis regarding credit approvals, account excesses, risk triggers to detect early alert business failures to put in place corrective measures.
- Portfolio management and control to ensure that best service to clients and good rating for reviews and audits.
- Coordination of Credit Risk Control in issuance of security documentation (Banking Facility Letter, etc, explanation and guidance to clients for completion).
- Monitoring of the Business Credit Application for the customer if it covers all the specifications as per requirements by stakeholders like Trade and Cash for ease of transaction processing.
Research Assistant (Internship)
Botswana Development Corporation
Gaborone
05.2012 - 09.2012
Research Assistant & Team Leader (Industrial Training)
Smart Focus Business Consulting
Kuala Lumpur
07.2011 - 10.2011
Education
Master of Arts - Applied Economics
University of Botswana
Gaborone 11.2022 - 03.2026
Certification - Enterprise Risk Management
Botswana Accountancy College
02.2026 - 03.2026
Certification - ACI Dealing
Exam Ready
01.2026 - 03.2026
Bachelor Of Economics - Analytical Economics (Hons)
Multimedia University
Cyberjaya, Malaysia 11.2007 - 02.2012
Skills
- Stakeholder Management
- Regulatory compliance
- Investigative skills
- Business Management
- Business Resilience and Continuity Management
- Project Management
- Anti-Fraud
- Financial Crime
- Money Laundering
- Health and Safety coordination
- Strategic Leadership
- Attention to detail
- Risk and control management
- Risk identification
- Communication skills
- Presentation skills
- Analytical Skills
- Strategic thinking
- Training
- Trade Finance
- Cash Payments Products
- Demand guarantees
- Trade Related Products
- International Chamber of Commerce Uniform Rules
- Client engagement
- Risk compliance
- Custody products
- Cash Products and Processes
- Risk and Compliance Issues
- Client Credit Management Risk System
- Business and Trade products
Relevant Skills And Experience
- STANDARD CHARTERED BANK, Country Business Manager, Financial Markets (Angola & Botswana), 04/01/21, Present, Stakeholder Management, Exemplary regulatory compliance and business conduct, Investigative skills to ascertain the root cause of risk events and losses., Business Management & business enablement skills (innovation)., Business Resilience and Continuity Management, Project Management Skills, Anti-Fraud, Financial Crime and Money Laundering skills, Health and Safety coordination, Strategic Leadership & Attention to detail, Identification, assessment, smart actions, monitoring & reporting, escalation of material risks timeously for the Markets Business (Financial & Treasury) covering both Angola and Botswana., Ensure proper maintenance of the risk and compliance obligation register for adequate notification or timely escalation to the management or executive committees., Develop control enhancements and processes to ensure standardised approach and that any known risks are controlled within acceptable boundaries and levels according to strategy., Ensure there is compliance with policies applicable to Financial Markets/ Treasury which impact risks associated with the Markets business (Financial & Treasury Markets)., Highlight emerging/horizon risks and take proactive measures and mitigation plans., Mentor Financial Markets/Treasury Markets staff across all segments on business controls, governance, incident escalation, risk management and regulatory supervision., Ensure that the Financial Markets/ Treasury Markets staff have undertaken the relevant trainings to perform their duties and perform their responsibilities within their delegated responsibilities., Working closely with the Anti money laundering and prevention officer to ensure the controls in place are adversely adhered to by the staff., Conduct and arrange training for the Financial Markets/ Treasury Markets business as they may need or require through engagements to drive and improve the well-established risk culture., Assisting the Financial Markets/ Treasury Markets, Product desk Heads and the Regional Financial Markets management to align the Risk management with the business strategy., Continuously evaluating the process to ensure there is nil ambiguity or duplication of effort for best service to the clients to enable the business to maximise profitability and cost saves., Monitoring and evaluating the projects within the unit to operate within the acceptable risk levels., Ensure the business is enabled on process improvements, removing ambiguity or blockages., Putting in place the business resilience continuity plan, periodic review, testing and ensuring the continuity site is always ready for any unforeseen circumstances., Maintenance of the regulatory obligatory register to ensure the business adheres to all relevant regulations, align with their policies, procedures of processes to avoid potential fines or charges., Undertaking gap analysis for all regulations and regulatory circulars to ensure compliance., Acting as the main contact point for audits and statutory body reviews and ensuring the units are always audit ready to avoid failures or adverse material findings.
- STANDARD CHARTERED BANK, Manager, Risk, Governance & Control, 04/01/18, 04/01/21, Knowledge and understanding of risk and control management., Risk identification, recording, reporting, monitoring, and management., Good communication and presentation skills, Analytical Skills and Eye for detail, Strategic thinking and Capability, Investigative Skills to ensure the proper root causes being in place., Knowledge of the regulations governing the business., Ability to train and challenge the status quo., Assisting the Head, Risk Governance and Control to ensure there is proper risk identification, investigation of the root cause for all risk issues/losses, risk impact assessments, proper mitigation plans and monitoring are in place for the units., Risk forum pack preparations to ensure all relevant risks are adequately covered, discussed, and escalated for country management and executive interventions and assistance., Coordinating, driving, and directing effective risk and compliance forums., Ensure quality, accurate information recorded in the risk registers with proper action plans., Monitoring of third-party risk management or vendors to ensure proper assessments held, timely payments and performance reviews held by carrying out thematic reviews., Putting in place processes and policies to ensure there is adherence and compliance to regulatory requirements and escalating challenges for management intervention., Undertaking periodic business or thematic reviews or assessments to ensure audit readiness., Ensuring there is clearer guidelines and training to the staff members for processing, adherence to health & safety, information & cyber security, and others to avoid accidental and data losses., Control implementations to ensure there is compliance to the regulatory and business internal requirements., Provision of risk management reports to all relevant stakeholders for awareness on emanating risk issues in their units for monitoring, updating of actions and timely closure., Being the source of reference within Retail Banking & Wealth Operations by facilitating and promoting the understanding of risk and compliance requirements by providing training needs where necessary to improve the organisational risk culture., Cooperating with the Money Laundering Prevention Officer to ensure appropriate internal controls and procedure for money laundering prevention is in place and functioning as intended., Ensuring there is timely assessment of the residual risks within the business units., Ensuring all essential Policies and regulations are circulated to stakeholders timely and effective., Coordinating and ensuring implementation of a comprehensive Business Continuity Plan by setting up periodic tests and constant system maintenance at the site by the Technology team., Undertaking additional duties requiring attention assigned by the Governance Risk and Control Head at any given date or time., Proper assessment of new products/business/projects/regulations for any potential risks to adequately implement detective or preventative controls for adherence., Execution of existing controls to test if the processes or policies in place are working effectively to comply to the regulations and internal requirements of the organisation., Drive audit readiness plans for the unit and the organisation.
- STANDARD CHARTERED BANK, Assistant Trade Operations Manager, 11/01/13, 03/01/18, Knowledge of Trade Finance & Cash Payments Products, Specialist on Demand guarantees, drafting and vetting format for risk gaps., Stakeholder Management, Processing of Trade Related Products, Knowledge and ability to guide on the latest International Chamber of Commerce Uniform Rules for Demand Guarantees (URDG), International Standby Practices (ISP98) and Uniform Customs and Practice for Documentary Credits (UCP600), Client engagement in advising of Trade related products., Knowledge and understanding of risk compliance and controls., Knowledge of Trade and Cash Payments sanctions and anti-money laundering triggers., Knowledge of Custody products., Periodic review of department controls of the department for risk and compliance management., Engagement with the Financial Markets team on booking the internal Foreign Exchange rates for timely utilisation to avoid foreign exchange losses., Review guarantee formats for compliance to the ICC rules., Stakeholder advisory on Trade system enhancement to reduce potential risks and impacts., Reviewing of trade products performance for guidance to the business enablement., Ensuring that transactional requests are processed timely and within the approved limit., Advisory on complex trade transactions to ensure the risk management of exposures., Continuously monitoring the Product's client portfolio and transactions for signs of weakness., Consistent client service by reporting issues of client dissatisfaction expressed by clients from different channels and forums as well as providing feedback to internal stakeholders., Supporting the sales team by sending out the reports for product performance tracking, product training and advisory, joint client visits for best sales proposition., Monitoring the management of internal bank accounts and advise against misuse.
- STANDARD CHARTERED BANK, Cash Management Ops Risk Person, 09/01/15, 03/01/18, Knowledge of Cash Products and Processes for Governance & Control., Knowledge and the Ability to learn Risk and Compliance Issues., Responsible to assist the Cash Management on the periodic assessment of controls and raising exceptions for correctness to ensure adequate risk management., Conducting independent assessments to ensure proper risk management and audit readiness., Timely review of processing guidelines, sanctions, and anti-money laundering compliance., Reviewing adherence to processing guidelines highlighting processing failures.
- STANDARD CHARTERED BANK, Assistant Relationship Manager, 09/01/12, 10/01/13, Client Credit Management Risk System, Screening & Bureau Checks, Knowledge of Business and Trade products, Stakeholder Management, Client Service and Engagement, Networking ability & Financial acumen, Assisting the relationship manager on client guidance for international trade products matching with their profile or businesses, meeting sales targets, credit risk and portfolio management., Proactive Risk Management by monitoring and reporting breaches to the business., Preparation of management reports and analysis regarding credit approvals, account excesses, risk triggers to detect early alert business failures to put in place corrective measures., Portfolio management and control to ensure that best service to clients and good rating for reviews and audits., Coordination of Credit Risk Control in issuance of security documentation., Monitoring of the Business Credit Application for the customer.
Other Experiences
- Research Assistant (Internship), 05/01/12, 09/01/12, Botswana Development Corporation, Gaborone, Botswana
- Research Assistant & Team Leader (Industrial Training), 07/01/11, 10/01/11, Smart Focus Business Consulting, Kuala Lumpur, Malaysia
Awards
- LONDON INSTITUTE OF BANKING AND FINANCE, Certificate for Specialist on Demand Guarantees
- STANDARD CHARTERED BANK
References
- Modiri Modise, Modiri.Modise@sc.com, Head Financial Markets & Sales, Botswana
- Luis Costa, Luis.Costa@sc.com, Head, Financial Markets & Sales, Angola
- Lloyd Kusano, Lloyd.Kusano@sc.com, Head, Onboarding & Business Risk Management, Zimbabwe & Southern Africa
Summary Qualifications
- Completed Bachelor of Economics, majoring in Analytical Economics (Hons)
- Third Party or vendor risk Management
- Business resilience and continuity management
- Ability to train staff in improvement to the organisational risk management and culture.
- Regulatory risk and compliance advisory
- Ability to create controls to ensure compliance regulatory requirements of the organisation.
- Knowledge, sound understanding of data analysis.
- Ability to quickly grasp new concepts, approaches, or systems.
- Willingness to learn new processes, products, and policies.
- Knowledge, understanding and ability to advise on various trade and Banking Products
- Excellent interpersonal and teamwork skills.
- Ability to Communicate complex material in a clear and simplified manner.
- Research, Data Analysis Systems & computer skills.
- Knowledge on Enterprise risk management and driving audit readiness
- Health and safety coordinator
- Strategic & Project Management
- Business Enablement and Continuous improvement
Personal Information
ID Number: 486 424 514
Languages
Setswana
First Language
English
Proficient
C2
Spanish
Intermediate
B1
Timeline
Certification - Enterprise Risk Management
Botswana Accountancy College
02.2026 - 03.2026
Certification - ACI Dealing
Exam Ready
01.2026 - 03.2026
Master of Arts - Applied Economics
University of Botswana
11.2022 - 03.2026
Country Business Manager, Financial Markets (Angola & Botswana)
STANDARD CHARTERED BANK
04.2021 - Current
Manager, Risk, Governance & Control
STANDARD CHARTERED BANK
04.2018 - 04.2021
Cash Management Ops Risk Person
STANDARD CHARTERED BANK
09.2015 - 03.2018
Assistant Trade Operations Manager
STANDARD CHARTERED BANK
11.2013 - 03.2018
Assistant Relationship Manager
STANDARD CHARTERED BANK
09.2012 - 10.2013
Research Assistant (Internship)
Botswana Development Corporation
05.2012 - 09.2012
Research Assistant & Team Leader (Industrial Training)
Smart Focus Business Consulting
07.2011 - 10.2011
Bachelor Of Economics - Analytical Economics (Hons)
Multimedia University
11.2007 - 02.2012