Sindi Ratsebe

A highly motivated and detail-oriented professional with over 15 years of progressive experience in banking operations, risk and compliance management, sales leadership, and branch management. Skilled in client service, regulatory compliance, internal auditing, and operational risk mitigation. Adept at leading teams, improving processes, and maintaining high standards of service delivery.

Strong communication and leadership abilities with proven expertise in ensuring compliance with financial regulations and fostering a customer-centric environment.

Risk & Compliance Specialist / Operational - Nedbank

(2017-02 - 2021-01)

• Monitored and conducted internal audits to ensure operational compliance.
• Ensured efficient resolution of complaints through investigations and stakeholder engagement.
• Maintained compliance with changes in short-term insurance regulations.
• Liaised with clients, managers, and staff to resolve complaints effectively in line with TCF (Treating Customers Fairly) legislation.
• Facilitated monthly short-term insurance complaints resolution committee meetings.
• Promoted Nedbank values by upholding professionalism and a client-focused service culture.

Branch Support Manager - Nedbank

(2009-12 - 2017-02)

• Conducted internal operational audits across branches to mitigate risk.
• Coached and mentored branch managers to enhance compliance and performance.
• Supported branches in achieving operational efficiency and customer service standards.
• Monitored adherence to policies, procedures, and regulatory requirements.
• Assisted in implementing corrective action plans for operational risks.
• Ensured proper reporting and escalation of risk issues to senior management.

Branch Manager - Nedbank

(2007-07 - 2008-06)

• Managed daily branch operations, ensuring excellent customer service delivery.
• Drove needs-based sales initiatives and promoted financial products.
• Supervised and motivated staff to achieve productivity and performance targets.
• Ensured compliance with FAIS regulations and banking policies.
• Oversaw cash management, balancing, and branch security measures.
• Maintained strong client relationships and promoted a client-centric culture.

Sales Team Leader - Nedbank

(2007-07 - 2008-06)

• Led and motivated the sales team to achieve sales and service objectives.
• Promoted a culture of customer service excellence within the team.
• Ensured compliance with FAIS and internal banking regulations.
• Conducted team coaching sessions to improve productivity.
• Monitored individual and team performance through reporting and feedback.
• Ensured customer needs were met through effective financial solutions.

Teller / Enquiries - Nedbank

(2006-10 - 2007-06)

• Delivered efficient and professional client service at the frontline.
• Processed transactions accurately and balanced cash daily.
• Managed ATM balancing and replenishment securely.
• Ensured adherence to internal banking practices and procedures.
• Assisted clients with enquiries and resolved basic account issues.
• Safeguarded branch stock holdings and maintained compliance with policies.

Economics and Management Science - Economics and Management Science - UNISA (2018 - 2019)

Certificate in Banking - Banking - Chartall Business College (2019)

Financial Accounting N4 & N5 - Financial Accounting - Bloemfontein College (1999)

Senior Certificate - General Education - Bishop Desmond Christian School (1998)