Lucky Gumede

I have gained exposure and experience working within the Financial Services Industry and my main objective is to secure a challenging role within this field. I am an accountable, responsible individual and respect the need for confidentiality to privileged information. I am receptive to new and fresh ideas, a leader, an attentive listener and a strong believer in developing and maintaining trusting relationships.

I am inherently curious, very energetic and dedicated to taking the business to a higher level. I would like to add value, help people where I can and expand my knowledge and life experience. My cumulative experience leaves me with the ability to work under pressure, within deadlines, within teams, manage teams, work on my own, and be flexible with the work I do.

I am keen to learn new things and will bring my positive attitude and strong work ethic to a new and exciting position. I would like to progress my career in a professional position within a company with integrity that suits my profile which is fair recognition and rewarding, an exciting place to work, and prospects for growth.

Self Employed - Eri-Derko Pty Ltd

(2022-01 - 2023-12)

Direct Sales

• Manufacturing and selling of Tomb stones, Grave Marks, Granite and Quartz tabletops

Senior Sales Consultant - ABSA BANK

(2007-06 - 2021-07)

Selling products and Services

• Provide sales and service enablement according with service delivery excellence plans by ensuring customer experience at the centre of products, services, solutions, advice, and fulfilment.
• Drive achievement of targets as per individual scorecard. Ensure service and complaints resolution are within acceptable service level agreement.
• Determine customer's needs by exploring all possible cross selling and up-selling opportunities.
• Tracking of conversions from Lead or call to application then fulfilment.
• Compliance and Risk Management - Fulfil all activities in adherence to relevant control and compliance requirements and quality standards.
• Maintain and manage existing accounts individual and high net worth clients (face to face engagements) via appointment and walking in customers.
• Maintaining a positive, empathetic, and professional attitude toward customers always.
• Responding promptly to customer inquiries.
• Adheres to shared company values and service standards during customer engagements.
• Acknowledging and resolving customer complaints.
• Address customer need with product knowledge that is technically accurate.
• Providing feedback on the efficiency of the customer service process.
• Preparation for the outbound call, providing knowledge alternative products solutions were applicable.
• Update the system with accurate information to inform accurate reporting.
• Comply with yearly aml compliance training.
• Conduct due diligence and KYC during onboarding process to categorise customers/clients.
• First line of defence in fraud detection and prevention.
• Escalate/report suspicious transactions as per internal procedure.
• Build customer relationships.
• Strictly adhere to all risk and governance policies, standards and procedures and escalated associated risks.
• Adherence to NCA, FICA, POPI, TCF, POCA and FAIS Legislation.
• Comply with Risk and Control Activities.
• Comply with all organisation's available policies and procedures.
• Understand and accept responsibility for all system access granted in line with all Fraud Risk Management Policies.
• Participate in all Scheduled training and multiskilling opportunities.
• Participate in coaching sessions.
• Participate in idea sharing through pitch in initiative.
• Complete all compliance training within prescribed timelines.

Sales Consultant - ABSA BANK

(2004-10 - 2006-11)

• Same as senior consultant duties.

Customer Service Clerk - ABSA BANK

(2000-04 - 2004-10)

• Assist customer with all general enquires regarding their daily banking.
• Participate in idea sharing through pitch in initiative.
• Generate sales lead to sales consultants.
• Promote bank products and services.
• Build customer relationships.
• Monitor and control risk associated with the customers.
• Establish and maintain good and professional relationships with stakeholders.
• Owning and being proactive about own training and development

Certification - Data Fundamentals - IBM SkillsBuild (2025)

Certification - Compliance Management - UCT (2024)

RE5 Regulatory Examination - Representatives in all Categories of FSPs (2012)

NQF Level 5 Banking Certificate - Banking (2000)

Diploma - Treasury Management and International Banking - Institute of Bankers (2003)

Grade 12 / Matric (1995)