Dimakatso Lucy Phale

Results-driven financial professional with over 5 years' experience in financial institutions, excelling in risk analysis, compliance, customer service, and operations. Proven track record in delivering high standards under regulatory frameworks. Currently seeking to re-enter a financial environment, bringing cross-institutional experience, integrity, and adaptability.

Compliance Analyst at Yoco (2024-09 – 2025-03)

• Conducted due diligence for 100+ high-risk clients, ensuring FICA and AML compliance.
• Collecting and verifying basic customer data - assessing potential customers for level of risk they bring to the business during onboarding.
• Conducting Anti Money Laundering during client onboarding - analysing and investigating of merchant pertaining to possible name matches against various WATCHLISTS - both SANCTIONS/Crime and PEP.
• Conduct research in respect of various sources (e.g. CIPC, Department of Home Affairs, etc) and compare to client's profile.

Customer service consultant -Call centre at Old mutual finance (2018-07 – 2021-11)

• Handling daily Inbound/Outbound calls with resolving queries and complaints efficiently with regards to their bank cards and loans.
• Assisting customers with account-related questions, balances, statements and updating FICA.
• Retain customer loyalty while initiating processes for collection of payments.
• Follow up on payment commitments and maintain accurate records of transactions.

Customer Service Clerk at Habib Overseas bank (2016-11 – 2017-03)

• Customer onboarding and maintainance
• Obtain and verify all business KYC documents.
• Suspend or unsuspected client's account.
• Maintaining files and records, so they remain updated on FICA and easily accessible
• Verifying Clients information as part of security checks.

Customer Information Consultant at Standard Bank (2014-09 – 2016-06)

• Frontline welcoming of clients and visitors.
• Inform customers about digital banking services
• Telephone answering in a prompt and efficient manner. Noting alldetails from first call to accurately recording messages.
• Assisting customers with the registration and transaction on selfservice channels which is internet banking, cell phone banking and apps.
• Identify customer needs, provide information on new products and services, and direct customers to branch representatives.

Customer Service consultant at Standard Bank (2012-09 – 2014-08)

• Resolve customer queries efficiently and within agreed timelines
• Ensure that the client profiles are FICA compliant.
• Suspend or unsuspected client's account.
• Identify customers' needs and make custom recommendations and cross-sell financial products and services.
• Making transfers and beneficiary payments also assisting with debit order reversals.

Bank teller at Standard Bank (2010-09 – 2012-08)

• Opening and balancing of the till.
• Executed customers transactions, including deposits and cash & withdrawals.
• Prevent financial loss by ensuring accurate calculations.
• Accurately maintained records of each transaction.

Certificate in core banking and financials – Cornerstone Institute (2011 – 2011)

Grade 12 – DA Mokoma high school (2007 – 2007)