• Other Companies in the Group
• Statutory institutions such as IRC
• Other Commercial Banks
• RPNGC – Fraud Squad
• Ombudsman Commission

•  To identify, analyze, evaluate, treat, monitor & review risks plus properly document the processes, primarily risks within & effecting the Business Unit, and to assist with the overall risk management process/ function in Handy Group.
• To evaluate and monitor Handy Group compliance with key prudential, statutory, monetary authority and other regulatory body requirements.
• Assist in the development of various policies and procedures to improve the overall internal control & risk frameworks within Handy Group of Companies.
• To develop, implement and review risk management policies and procedures throughout Handy Group of companies.
• To ensure that systems and procedures are in place and are operating effectively having regard to the risks they are designed to control.    

•  Undertake risk-based audits of business units in relation to compliance with prudential, statutory, monetary authority and other regulatory body requirements in line with a predetermined audit plan and audit program.
• Complete risk reviews/ risk reports and other assigned tasks in a timely manner.
• Assist in the mapping of business unit procedures in meeting reporting requirements of prudential & compliance regulations and legislation.
• Develop suitable monthly audit programs for all appropriate operational policies and product policies.
• Evaluate the adequacy and effectiveness of internal controls of operations and product sales monthly.
• Evaluate the adequacy and effectiveness of internal controls over the preparation and compilation of various prudential returns.
• Verify and confirm on a regular basis that all required prudential returns have been lodged with the relevant authorities when due.
• Review and comment where necessary on policy & procedural changes implemented by various areas of the Group that affect either those areas or other business units and/or branch network.
• Assist in the development of various policies and procedures to improve the overall risk control framework within Handy Group.
• Compile audit & risk reports for review by Team Leader prior to submission to management.
• Discuss audit & risk reports with relevant line managers where appropriate.
• Follow up within a reasonable time, reports released to management to ascertain if corrective action has been taken and endeavor to have outstanding matters resolved.  

Financial:  

• Minimize Non-Lending Losses.
• Ensure that all subsidiary companies operate within their budget  

Process:  

• Risk Register.
• Non-Loss Database.
• Responsibility statements.
• Completion of projects.
• Record Management.

Customer:  

• Maintain High level of business relationship with clients and key stake holders
• Provide good customer service internal clients

People:  

• Presentation.
• Training of investigation officers.

Risk Management Process. Audit process