Americo J. Nhantumbo

Experienced Head of Business and Market Conduct Risk with a strong background in compliance, risk management, and regulatory affairs. Proven track record in developing and implementing risk management frameworks, leading compliance initiatives, and ensuring adherence to regulatory requirements. Adept at managing cross-functional teams and fostering a culture of compliance and risk awareness.

Key Responsibilities:

• Risk Management Framework: Developed and implemented comprehensive risk management frameworks to identify, assess, and mitigate business and market conduct risks.
• Regulatory Compliance: Ensured compliance with all relevant laws, regulations, and industry standards, maintaining up-to-date knowledge of regulatory changes.
• Policy Development: Created and enforced policies and procedures to manage conduct risk and promote ethical business practices.
• Training and Awareness: Led training programs to educate employees on compliance and risk management, fostering a culture of risk awareness.
• Monitoring and Reporting: Established monitoring systems to track compliance and risk management activities, providing regular reports to senior management.
• Incident Management: Conducted investigations into compliance breaches and market conduct issues, recommending and implementing corrective actions.
• Stakeholder Engagement: Acted as the primary liaison with regulatory bodies, auditors, and internal stakeholders, ensuring transparent communication and collaboration.

• As the senior manager of business risk of First National Bank Mozambique:
• I cultivate and manage objective working relationships with a variety of business segment stakeholders, including end-users, SME’s, project managers and senior staff members while researching and provide professional opinion on a variety of issues to unlock any possible bottlenecks that threat the organization performance.
• Need to remain focus while keeping of expert knowledge on relevant legislative amendments, industry best practices and provision of proactive advice and solutions to relevant stakeholders.
• Perform research and provide professional opinion on a variety of issues and new business projects within the business to proactively identify, assess and manage risk.

• Ensure the risk practices are fully embedded across the Bank. This includes the implementation, management and review of internal controls, policies, business processes, project risks, business continuity, incidents and breaches, risk monitoring plans to monitor policy adherence, loss management and fraud management
• Monitor strategic, business, and financial risk through reviews of liquidity risk, interest rate risk, market risk and credit risk.
• Drive or participate in key projects from a risk perspective to minimize risk with the implementation
• Plan and manage performance, skills development, employment equity, talent, and culture of team to improve innovation, achieve efficiencies and increase competencies
• Assist the Bank in maturing their risk environments and increase their risk maturity assessment ratings through the adoption of advanced risk practices and increased controls.

• Ensure the operational risk frameworks are fully embedded in all business areas. This includes the implementation, management and review of internal controls, policies, business processes, project risks, IT risk business continuity, incidents and breaches, risk monitoring plans to monitor policy adherence, loss management.

• Ensure a robust risk and control culture across the Bank by the design and embedment of a proactive risk management approach across the key pillars of the Bank.
• Guarantee that communication and training in non-financial risk management processes, responsibilities and methodologies within the COO structure are carried out effectively.
• Ensuring adequate coverage, governance and quality of the following key management instruments and banking risks of an operational nature, namely: - Control and Risk Assessment - RCA; Key Scenarios; - Keys Risk Indicators; and - Main Risk Platform.
• Carry out quick checks and tests of the effectiveness of controls at the level of the functional areas under the aegis of the COO; and
• Coordinate, monitor, facilitate the implementation of policies relating to the COO structure and compile monthly information on their status

• Support the functional areas (Business Units) in identifying risks and material controls.
• Perform risk assessment and controls for all banking products before and after launch.
• Conduct risk assessment of new products from operational risk perspective.
• Carry out quick checks (Control Snap Checks) and control effectiveness tests at the level of the Bank's functional areas.
• Ensure adequate training of staff in Functional Areas within Barclays Bank Mocambique.

• As Semi Senior Audit Manager in PricewaterhouseCoopers I had to:
• Plan and oversee the auditing process based on the defined audit strategy
• Allocate responsibilities to junior and staff auditors.
• Review team members' work for accuracy and compliance.
• Perform effective risk and control assessments.
• Complete audits on time and submit reports to auditing manager.