Mokhadi Melato

Highly analytical and detail-oriented Financial Services professional with over 9 years of diverse banking experience, specializing in Cross-Border Payments, Foreign Exchange (FX), and South African Reserve Bank (SARB) regulatory frameworks. Backed by an NQF Level 8 Postgraduate Diploma, possesses a deep practical understanding of FICA, KYC, and AML/CFT screening protocols. Proven track record of identifying high-risk scenarios, conducting precise transaction reviews, and maintaining a 99.5% accuracy rate in compliance-heavy environments.

Eager to leverage strong technical capabilities, advanced Excel skills, and investigative precision to safeguard Bidvest Bank against financial crime risks as a Junior AML Analyst.

Cross-Border Payments Officer at Standard Bank (2022-09 – 2025-10)

• Ensured 99.5% accuracy in cross-border payments, aligning with SARB and international standards.
• Conducted FICA and AML checks, maintaining compliance with internal policies.
• Led system issue investigations, collaborating with IT for sustainable solutions.
• Streamlined workflows, optimizing system configurations and regulatory compliance.
• Liaised between business and IT, translating operational needs into actionable requirements.
• Implemented automation, reducing payment errors by 60% and boosting system reliability by 25%.
• Managed complex queries, achieving a 95% SLA resolution rate and reducing backlogs by 30%.
• Provided data-driven analysis for system improvements, enhancing platform efficiency.

Acting Branch Manager at Barko Financial Services (2021-01 – 2022-01)

• Led daily branch operations in a micro-lending environment, ensuring smooth workflow and policy compliance, achieving a 90% customer satisfaction rating.
• Managed and motivated staff, driving performance and maintaining high customer service standards.
• Achieved sales targets through effective team coordination and customer engagement strategies.
• Monitored branch performance metrics, identifying areas for improvement and implementing corrective actions.
• Ensured regulatory compliance, overseeing loan processing and risk controls to meet financial guidelines.

Loan Consultant at Barko Financial Services (2019-01 – 2020-12)

• Assessed clients' financial profiles to determine loan eligibility and ensure responsible lending.
• Verified and processed loan applications using established credit criteria and risk controls.
• Approved loans with a 95% repayment rate, outperforming industry benchmarks.
• Expanded the loan portfolio through strong client engagement and product expertise.
• Maintained 100% accuracy in cash handling and reconciliation, ensuring financial integrity and audit readiness.

Client Service Champion at Capitec Bank (2013-05 – 2016-09)

• Helped clients with questions and solved their problems.
• Gave clients clear information about products and services.
• Collected feedback and suggested ways to improve service.
• Worked with the team to give good customer service.
• Reported issues to managers so they could be fixed.

Postgraduate Diploma in Management – Regent Business School

Bachelor of Commerce in Business Management and Entrepreneurship – North West University