Mahendran Naicker

Currently operate as a Head of First Line Operational Risk Reporting into Principal in the Absa Retail and Business Bank COO Governance and Control extended leadership team since 1 April 2013, with 11 direct reports. Responsibilities include leadership of the team to deliver Group Operational Risk Mandate, providing valuable assurance to the RBB and Barclays Africa stakeholders (COO), maintaining the relationship with the other Group Stakeholders. Reporting to the group governance and control committees. Execution of the Group Operational Risk strategy. Coaching, mentoring and development of the team. Support to the Key Risk Owners across Absa RBB.

Responsible for all Group audits such as Finance, Legal, Tax, Operational Risk, Credit Risk, Company Secretariat, Global Internal Capital Adequacy Assessment Process(Basel Requirement), Private Bank Regional Audits as well as overall responsibility for the Investec Bank Mauritius Internal Audit Reviews. Designed the Project Audit Risk Methodology and rolled out the rest of the Audit team.

Direct Reports: 3

Audit assignment planning • Risk and control identification. • Conducting audit testing • Complete documentation of planning, testing & observations in audit toolkit. • Update all findings and capturing working papers on the audit tool, Synergy • Produce concise documentation linking transparently from risk to control testing. • Identify appropriate recommendations & deliverables, achieving buy in from the business. • Maintain awareness of risk issues & changes across selected business units • Support/Participate in enterprise-wide audits and/or audits of Principle Risks. • Discuss audit observations & issues with the team leader or Audit Manager. • Adequately challenge & question the business • Update stakeholders with progress and issues • Assist in compiling/writing the audit report • Exhibit and perform in accordance with Barclays Guiding Principles & Absa Value • Continuous improvement of technical knowledge through self-learning, • Complete follow up of issues including status report, verification & chasing up of outstanding issues • Produce quality outputs in accordance with agreed audit deadlines & methodology. • Complete Issue Assurance and follow up outstanding issues. • Network & work collaboratively with stakeholders

Operated as a manager within the Barclays Internal Audit card team for 6 months during a secondment to London. Responsibilities included guidance and management of junior staff members to ensure that key deliverables were met. Execution of audit work. Overall Responsible for UAE Audit Deliverables.

Business Areas that was part of my Articles were :
1. NAME OF COMPANY : Absa Life NATURE OF BUSINESS : Insurance and Actuarial Products POSITION HELD : Trainee Chartered Accountant (TOPP Programme) PERIOD OF EMPLOYMENT : 1/04/2005-31/10/2005 REASON FOR LEAVING : N/A - part of Topp Programme SAICA Articles RESPONSIBILITIES : • Claims reconciliation • Posting Journals • Payment requisitions • Performing Financial accountant duties • Normal daily and month end procedures

2. NAME OF COMPANY : Absa Group Credit (Absa Capital) NATURE OF BUSINESS : Credit Risk (TOPP Programme) POSITION HELD : Credit Analyst PERIOD OF EMPLOYMENT : 1/11/2005-31/05/2006 REASON FOR LEAVING : N/A - part of Topp Programme SAICA Articles RESPONSIBILITIES : • Perform credit risk analysis • Report writing

3. NAME OF COMPANY : Absa (Internal Audit) NATURE OF BUSINESS : Auditing (Absa Capital) (TOPP Programme) - Secondary markets(Trading) - Investment banking Division (Sales Front Office) - Issue Assurance Audit - Equities and Money Market Desk - Debt Capital Markets (Securitisation) - Structured Capital Markets (Structured deals and Preference Shares) - SOX audit (Primary and Secondary Markets) - Group Tax - Primary Markets Product Control Audit - Absa Capital Compliance POSITION HELD : Auditor PERIOD OF EMPLOYMENT : 1/06/2006 - 01/05/2007 REASON FOR LEAVING : N/A - part of Topp Programme SAICA Articles RESPONSIBILITIES : • Documenting, Walkthrough, Testing & Fieldwork • Leading and managing an audit (SCM) • SOX Audit • Close out meetings and reviews • IT auditing

4. NAME OF COMPANY : Absa Brokers NATURE OF BUSINESS : Providing admin and financial analysis support to the Absa accredited brokers within the group. POSITION HELD : Management Accountant (TOPP Programme - CA Articles) PERIOD OF EMPLOYMENT : 1/05/2007 - 1/01/2008 REASON FOR LEAVING : N/A - part of Topp Programme SAICA Articles RESPONSIBILITIES : • Updating financial schedule • Preparing journals • Assisting management accountant with month end financial procedures • Preparing recons • Assisting with budget s and preparing month end exco reports.

Achieve set targets • Grow the existing book of business by managing the renewal process introduced by the Underwriting Branch or the National Underwriting Manager• Liaise with each intermediary on own portfolio to review the ratio report, and received from the management information (MI) department• Investigate or validate conflicting statements when dealing with non-disclosure on previous claims when preparing the quote• Manage relationships with business partners and with internal structures within Absa Insurance Company (AIC) and Private Bank.• Foster relationships within all these areas so as to create an environment conducive to good business• Adhere to the set calling programme to intermediaries that is designed and implemented• Attend functions in which Absa Insurance Company can be marketed and involvement at broker functions and other forums• Ensure compliance, by doing product courses, FAIS accreditation and other development programmes in the products for HNW segment.• Ensure compliance to FAIS requirements by attending relevant training to obtain credits• Adhere to the Group policies and procedures, such as, the conducts guide, car policies, IT policies, dress code, security compliance (Fraud, ML Sanctions) etc.• Ensure that intermediary queries get solved by referring it to the right contact person in the Underwriting or Claims Hub• Adhere to the set Service level agreement (SLA) with regards to turn-around times on quotations that must be delivered as well as queries that must be solved
Competencies
• Working with people• Adhering to principles and values• Persuading and influencing• Writing and reporting• Delivering results and meeting customer expectations• Following instructions and procedures• Coping with pressure and setbacks