JANINE MICHEL
Montijo,Portugal
Summary
Results-oriented individual with diligent, hardworking nature and natural communication and relationship building talents. Proficient in sales, operations and compliance and eager to use transferrable skills obtained in the insurance industry in a new career.
Overview
23
23
years of professional experience
Work history
Business Manager
Sanlam
07.2011 - 12.2022
- Managed and motivated 15 direct reports to achieve performance outcomes and maximise productivity.
- Prepared short- and long-term forecasting functions to inform company objectives and financial decision-making.
- Ensured the effective implementation of operational and compliance best practices in the region
- Managed expenses and operational effectiveness
- Increased business support through building strong relationships with corporate partners (B2B - National and Regional experience)
- Worked with sales consultants to develop strong customer connections, promoting long-lasting relationships.
- Independently managed recruitment, employee motivation and training.
Compliance Officer
Discovery
11.2008 - 06.2011
- Met stringent deadlines with precise prioritisation and strong knowledge of compliance requirements.
- Promoted importance of proper regulatory knowledge throughout daily work.
- Monitored and audited compliance documentation submitted by agency force.
- Assisted with the development of training manuals and a compliance management system for distribution - tied agency and broker division.
- Trained and coached various colleagues on varying subjects including Compliance and Money Laundering legislation and processes.
- Coordinated regulatory and client complaints.
- Provided compliance guidance to various business units including Tele-Sales, Discovery Invest, Broker division.
Member Consultant
Masthead
10.2004 - 10.2008
- Handled the client relationship role of a panel of independent brokers, this included the co-ordination of the total value proposition and services.
- Conducted Broker Practice analysis and solution implementation.
- Provided guidance and support to brokers in the implementation of Anti-Money Laundering, Compliance and Practice Management processes.
- Demonstrated Product partners product offering to encourage purchases by showcasing features and benefits.
- Kept product knowledge up-to-date by attending regular training to deliver reliable information with confidence.
Broker Consultant
Old Mutual
05.2000 - 09.2004
- Focused on the retention and profitable growth of allocated broker panel through the development and management of strong relationships with intermediaries and internal business partners.
- Actively recruited and developed new brokers
- Designed and delivered presentations to brokers and clients, spearheading relationship-building activities
- Acted as liaison between client, brokers and Head Office while successfully growing Broker's Business
- Answered inquiries and provided information to brokers, distributed appropriate paperwork and fulfilled quote requests to deliver excellent customer support.
- Developed and maintained strong knowledge of multiple products and varying levels of benefits within each product.
- Achieved annual performance goals and objectives as outlined by leadership through outstanding customer communication, relationships and product knowledge.
Education
Post Graduate Certificate - Money Laundering
University of Johannesburg
Post Graduate Certificate - Compliance Management
University of Johannesburg
2009
Post Graduate Diploma - Financial Planning
University of the Free State
2007
Bachelor of Commerce Degree - Industrial Psychology
University of Johannesburg
1999
Senior Certificate -
High School Goudrif
1996
Skills
- Financial Services Consulting
- Financial Services Product Knowledge
- Legal Technical Knowledge
- Leadership and Management Skills
- Compliance Monitoring and Process Implementation
- Debt Management
- Financial Planning
- Stakeholder Relationship Management
- Business Development & Marketing
- Presentation Design & Delivery
- Industry Networking
- Operational Efficiency and Implementation
- Corporate Governance
- Regulatory Compliance and Legislation
- Software: MS Word, Excel, Outlook & Internet
- Risk Management
- Team Collaboration
- Business 2 Business Sales and Consulting
Additional Information
- Availability Immediate
Languages
English
Native
Portuguese
Beginner
Timeline
Business Manager
Sanlam
07.2011 - 12.2022
Compliance Officer
Discovery
11.2008 - 06.2011
Member Consultant
Masthead
10.2004 - 10.2008
Broker Consultant
Old Mutual
05.2000 - 09.2004
Post Graduate Certificate - Money Laundering
University of Johannesburg
Post Graduate Certificate - Compliance Management
University of Johannesburg
Post Graduate Diploma - Financial Planning
University of the Free State
Bachelor of Commerce Degree - Industrial Psychology
University of Johannesburg
Senior Certificate -
High School Goudrif
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