1. Personal Details
Name & Surname: Fareed Ebrahim
Commonly Known as:
Identity Number:
Nationality:
Fareed
760610 5053 083
South African
Contact Numbers (Cell & Work): Cell: 071 885 1786 / 071 670 2928 Tel: 011 280 4891
e-Mail Address: Fareed.Ebrahim@Standardbank.co.za
Fareedebrahim01@gmail.com
Are you currently a Permanent
Employee?
Yes
Current Position Grading
(e.g. SBG11)
SBG 13
Qualifications
Qualification (including Matric) Institution Date
Matric Certificate with Exemption Roshnee Secondary School 1993
Subjects:  English
 Afrikaans
 Accounting
 History
 Business Economics
 Biology
SAIM Programme in Business
Management
UNISA 2004
Subjects:  Business Accounting and Finance
 Marketing Management
 Self Management
 Human Resources Management
 Business Communication
 Management Principles
B.Com Accounting UNISA 2006
Subjects: Aspiring to continue & complete Degree

2. Qualifications
Qualification (including Matric) Institution Date
Career Summary
From Until Position
Standardbank Vaal Processing Centre
August 1994 November 1995 Waste Clerk
Division: Branch Network
Standardbank Vereeniging, Meyerton and Vanderbijlpark
December 1995 December 2001
Teller, Bulk Teller, Central teller, Enquiries Clerk, Forex
Clerk, CIC, ATM Custodian, Treasury Custodian, Team
leader Tellers, Team Leader Enquiries, Customer (Sales)
Consultant,Team Leader Customer Service
Division: Branch Network
Standardbank Gauteng Province
2001 2003
Provincial development Programme, Area Service Assistant,
Area Sales Assistant, Team leader Service Centre Kruis
Street Branch
Division: Gauteng Province
Standardbank, Vereeniging Southgate, The Glen and Soweto Branch
2003 2013 Branch Manager
Standardbank
Private Banking
2013 2015 Private Banker Relationship Manager
2015 current Private Banking Suite Head
Career History (4 Most recent positions)

3. Career History (4 Most recent positions)
Employer (1): Standardbank Southgate
Division: PBB Branch Network
Period: 2008 - 2009
Position: Branch Manager
Summary of Duties and Responsibilities:
Customer service
 Ensure that customer service standards are setand maintained in line with the requirements ofeach market
segment.
 Ensure that customer complaints are monitored,trends and rootcauses identified and addreed atsource to
prevent recurrence.
 Ensure that customer needs are anticipated and metthrough provision ofappropriate products and services
via the mostsuitable channel.
 Ensure that opportunities to migrate customers to more appropriate,cost-effective channels are identified
and actioned.
 Ensure efficient,customer-orientated switchboard and telephone procedures.
 Ensure that 5 Star process is implemented and sustained in the branch and managed effectively by 5 Star
champions.
 Ensure correctscheduling ofstaff to meetcustomer demand byusing Branch Scheduling Tool
 Ensure that workload fit is achieved
 Re-run BST schedules as and when necessary
Legislative compliance
 Conducta needs analysis to identify customer needs effectively when opening new accounts or giving
productadvice, in line with Financial Advisory and IntermediaryService Act licence categories.
 Complete disclosure to the customers in terms of accreditation,service fees,and commission.
 Ensure proper record keeping in terms of Financial Advisory and IntermediaryServices Act as well as the
Financial Intelligence Centre Act requirements.
 Health and Safety:
Appointments
 Appoint Section 16(2) Assistants to assistyou in executing your OHS duties where necessary;
 Ensure the appointmentofthe required OHS employee representatives:
 Appoint Health and Safety Representatives,FirstAiders and Fire/Floor wardens,and any other
appointments thatmay be required from time to time to assistin creating a healthy and safe work
environment(Employee representatives can be replaced after a period of two years);
 Ensure that enough persons are appointed to cover annual leave, sick leave, shiftwork, or other
periods ofabsence;
 Ensure that an OHS Committee is established (thatmustinclude all Health and Safety
Representatives,and should also include all FirstAiders and Fire/Floor wardens);
 Ensure that all employee representatives activelyexercise their duties,allowing them the time,and
where applicable,the place,to carry out these duties;
 Ensure that all employee representatives receive supportand assistance to perform their OHS
functions and to resolve matters where required.

4. Structures
 Determine and facilitate the implementation ofOHS structures within the area of responsibility;
 Assistin the implementation and evaluation ofthe OHS managementsystem;
 Ensure that managementis represented atall OHS committee meetings and thatthe necessary
documentation is completed for the area of responsibility(see Form 00034636 - Health and Safety
Committee Minutes).
Policies and procedures
 Ensure that the occupational health and safetypolicy is communicated to all employees in your area
of responsibility;
 Promote the participation ofall members ofthe organisation,atall levels,in health and safety risk
management;
 Ensure that policies,rules,procedures and instructions are followed;
 Enforce discipline where health and safetyrules are deliberatelyneglected or ignored.
Compliance
 Ensure,as far as is reasonablypracticable,compliance with and adherence to the requirements ofthe
OHS Act;
 Collaborate with the compliance function to promote health and safety within the bank;
 Reporton the progress ofOccupational Health and Safety (OHS) compliance (when requested or as
necessary);
 Ensure that non-compliance with the OHS Act is reported in the monthly and quarterly compliance
reports,and that any concerns regarding OHS matters are reported to the appropriate management
office;
 Ensure compliance with the requirements ofthe various sets of Regulations ofthe OHS Act, where
and when they become applicable in your area(s) of responsibility;
 Contractor Management: Ensure that every contractor in the workplace signs a Section 37(2)
Agreement,whereby the contractor undertakes to complywith the provisions ofthe OHS Act (contact
Group Compliance OHS for guidance:011 – 636 2671 / 5177).
Risk assessments
 Ensure that workplace hazards are identified and that workplace risks are assessed;
 Ensure that OHS risk assessments are carried outbefore new projects are embarked upon in the
workplace that may impacton the health and safety of persons (contactGroup Compliance OHS for
guidance:011 – 636 2671 / 5177);
 Ensure that all employees (including permanent,temporaryand fixed term employees) and other
persons are conversantwith the health and safety hazards, and the precautionarymeasures which
mustbe taken or observed,in their areas of the workplace.
Incidents
 Ensure that all incidents in the workplace (thatcould have caused injury,and that have in fact caused
injury) are reported to Group Compliance OHS;
 In addition to no.1 above, injuries mustimmediatelybe reported telephonicallyto Corporate and
InvestmentRisk Consultants (CIRC) at012-3468205 for compensation claim purposes (this is usually
done through Human Resources);
 Ensure that an investigation into the cause of the incidentis done immediately(use Form 0034652 –

5. Recording and Investigation of Incidents) and that the necessarycorrective action to prevent a re-
occurrence is implemented.
Monitoring
 Ensure that management participates in internal and external audits and inspections (see OHS
Performance SupportTool,Form 045463);
 Ensure that statutory health and safety inspections are conducted (atleastquarterly, using Form
00034623 – Health and Safety Representative Inspection Report);
 Ensure that employee representatives attend OHS committee meetings.
Training
 Undertake the required e-learning,and ensure thatall OHS appointees (Section 16(2) Assistants,
Health & Safety Representatives,FirstAiders and Fire/Floor Wardens) also undertake the e-learning;
 Supportrelevant employee representative training (for Health and Safety Representatives,FirstAiders
and Fire/Floor wardens) and ensure re-training when training has expired;
 Ensure that all employees receive health and safety orientation when appointed or transferred from
another business unit/department/ branch / province.
Record retention
 Ensure that records ofall OHS related documentation are keptin accordance with the OHS Act and
the bank’s record retention policies (atleast5 years).
Technology used:
Excel, Word & Power Point
Achievements / Accomplishments / Value add:
The work and exposure gained over the years in the branch network presenting me the opportunity of been a Service
Centre Manager and with the exposure in that role thus been in the Branch Manager role currently.
Employer (2): Standardbank – The Glen
Division: PBB Branch Network
Period: 2009 - 2010
Position: Branch Manager
Summary of Duties and Responsibilities:
Same as above

6. Technology used:
Excel, Word and Power Point
Achievements / Accomplishments / Value add:
CEBS Results 2009
Employer (3): Standardbank Soweto
Division: PBB Branch Network
Period: 2011 – 2013
Position: Branch Manager
Summary of Duties and Responsibilities:
Same as above
Employer (4): Standardbank Private Banking
Division: PBB Branch Network
Period: 2013 – 2015
Position: Private Banker
Summary of Duties and Responsibilities:
Job description
Job purpose  To proactively promote a relationship based offering through a primary point of contact,
which meets client expectations by providing personalised financial solutions in line with
the value proposition.
 To provide a competent relationship based offering to a Sub-Segment within the Private
Banking Segment, that provides highly responsive and pro-active financial and business
solutions, focused on the managing and building of wealth, in partnership with small
business owners supported by expertise of specialists.
 To maintain a high level of integrity and ethical standards.
Key responsibilities Service and Retention
 Establishes and builds one-on-one relationships with customers, based on mutual
respect, in assigned portfolio by delivering the expected level of service, specifically
focusing on a pro-active contact (calling) strategy and programme.
 Ensures successful retention of existing customers in assigned portfolio by
strengthening and expanding relationships. This is achieved by intimately
understanding the customer, servicing the customer’s business and personal financial
needs and focusing on the management of key accounts.
 Interacts and build relationships with Business Banking Account Executive’s and (CIB)
Corporate and Investment Banking Relationship Managers, in order to provide a
seamless solution to the client’s banking requirements. To assist with related queries
where possible, and facilitate when specialist advice is required by referring to
Business Banking or CIB.

7.  Manages the “Cost of Sales” through evaluation of margins, cost of service and
utilisation of the multi-channel delivery strategies, such as actively managing
customer migration onto electronic banking channels. Manage customer migration
between segments and sub-segments of Private Banking.
 Actively ensures that customers are migrated to the correct sub-segment, as per the
Value Propositions where appropriate.
 Effectively attend to and monitor customer complaints on portfolio, identify root
causes and address at source, to prevent recurrence
 Proactively e-mail new product information to all customers.
Profitable growth in portfolio sales
 Acquires new business for the Executive Sub-Segment market in line with the
Customer Value Proposition segment income specifications, acquisition targets and/
or segment strategy to increase market share and specific sales strategies.
 Maximises bank profitability and ensure value add to customers through cross-selling
specifically focusing on wealth and lending opportunities. Manages through use of
contribution reports.
 Joins and supports business organisations that will assist in the acquisition of
appropriate customers.
 Measures, tracks and manages sales targets and budgets for portfolio
Lending Management
 Structures credit applications effectively, focusing on high quality motivations
 Advises customers on lending product selection, by recommending products to meet
their specific needs
 Fulfills a training/coaching role through up skilling the Transactional Banker’s
regarding their credit knowledge
 Restructures debt for efficiencies through debt consolidation, thereby bringing a
customer’s asset base under one roof
 Establishes a sound working relationship with Credit, to ensure prompt turnaround
times, accuracy and deadlines are strictly adhered to
 Manages the timeous completion of annual credit reviews on the portfolio
Risk Management and Compliance
 Ensures that procedures laid down in Group Reference Guide are adhered to and,
where flexibility needs to be exercised, that the necessary dispensation is held
 Ensures proper record keeping in terms of Financial Advisory and Intermediary
Services Act as well as the Financial Intelligence Centre Act requirements.
 Ensures Code of Banking Practice is adhered to.
 Maintains information on Security and access control system (SACS) for the relevant
private banking suite as per laid down procedure(if applicable)
Key performance
measures
 Sales and profitability targets achieved
 Satisfactory risk audit results
 Excellent customer experience measurement (CEM) results
 Engaged and motivated staff
 Client retention
Competencies required
Knowledge  Understanding of the Private Banking markets customer profile and lifestyle.
 Sound knowledge of the full product spectrum as relevant to the Private Banking
market, including qualification criteria, features, benefits, pricing, product combination
possibilities for optimum use and relationship to other more specialised products.

8.  Ability to interpret financial statements, management accounts, budgets and cash
flows for all types of legal entities.
 Thorough understanding of Credit Principles and systems (behavioural scoring system).
 Qualification and/or experience in structuring business and personal deals and lending.
 Understanding of Group company products in respect of service level agreements
(knowledge of criteria and customer expectations) and the bank’s service provision
networks.
 Understanding of which products are most profitable to the bank and potentially
beneficial to the customer.
 Ability to recognise when specialist product support is required.
 Knowledge of equivalent competitor products and services.
 Working knowledge of Personal & Business Banking strategy, overall Group strategy
and Private Banking market value propositions.
 Understanding of current business issues and their impact on the local market.
 Working knowledge of branch systems and their impact on customer service.
 Financial management skills.
 People Management skills.
 Knowledge of Managing Local Market sales principles.
 Have a thorough understanding and knowledge of self service channels, e.g. Internet
 Strong Computer Literacy, able to capture/update customer database, migrate
customers to remote channels and optimise service delivery within available
technology channels (e.g. e-mail, internet and cellphone banking).
 Knowledge of the Financial Advisory and Intermediary Services Act.
 Knowledge of the Code of Banking Practice.
Experience  4 – 5 years’ branch banking experience, with exposure to telling, enquiries, service,
BDC/Forex, assets and overall customer service
Technical
competencies
 Computer literate
 Good communication skills
 Good numerical skills
 Good mentoring and coaching skills
 Good negotiation skills
Personal competencies  Socially confident
 Works well in teams and easily assumes team identity.
 Assertive.
 Able to express own opinion and convince others.
 Structured, systematic, organised, diligent, and conscientious.
 Perfectionist.
 In control of emotions and behaviour.
 Good verbal and communication skills required.
 Able to lead people, build teams and relationships.
 Supportive and able to give recognition to others.
 Enjoys training and developing people.
 Able to follow through and complete tasks.
 Pays attention to detail.
 Enjoys designing processes according to which work has to be done.
 Enjoys analysing client’s needs, negotiating and selling/servicing.
Problem solving,
planning and decision
making
Problem solving
 Identify potential difficulties and generate profitable solutions by taking into account many
complex and diverse variables. Consider policies, principles and specific objectives when
formulating solutions that should benefit both the customer and the bank.

9.  Application of financial planning, credit and risk management principles are critical to
problem solving.
 Creative flair required when dealing with financial scenarios not encountered before.
 Follow things through to completion and ensure problem is not merely handed over to
another person for resolution
 Retain ownership despite responsibility for action being handed over to another individual.
Planning
 Formulate action plans to achieve targets for retention and growth of the Private Banking
portfolio, in line with the Segment Value Proposition and Business Plan, while being aware
of the longer-term impact of plans.
 Analyse customers’ financial behaviour and accounts to match their needs with products
that will result in greater benefit for the customer and increased revenue for the bank. Be
analytical in approach, weighing up longer-term benefits and risks.
Decision making
 Quick to assimilate and integrate new information.
 Monitor changes in the operating environment and act upon potential opportunities.
 Able to weigh things up quickly and take the initiative within limits of authority.
 When making decisions, required to take into account sensitivities relating to high-profile
customers in the business community and their potential influence on business gained or
lost for the Bank as a whole.
Work environment
Budget and costs None
Organisation structure
May need to be
customised according
to Branch/Service
Centre
.
Working conditions  None
Physical requirements  None
Manager,
Private Banking
Suite
Private Banker
(Executive
Portfolio)
Transactional
Banker

10. Employer : Standardbank – Rosebank & Hyde Park
Period: 2015 – Current
Position: Suite Head
Summary of Duties and Responsibilities:
Same as above
Technology used:
Excel, Word and Power Point
Employment References
Contact Person Organisation / Company Contact Detail
Meela Govender Standard Bank 083 408 1095
Anton Nicoliasen Standard Bank 083 461 4046
Berrie De Jager
Zama Mnyazi
Standard Bank
Standard Bank
083 454 3274
072 783 7282