• Provides legal updates and translate legal requirements to ensure Amret's activities are conducted in conformity with laws and regulations;
• Works proactively with Senior Management and internal Departments to ensure that regulatory risks have been identified and taken appropriate course of action;
• Assesses Legal implications and advice on things such as; high value transactions, contracts, loan documentation and internal policies;
• Participates or takes lead in negotiations with prospective business partners and authorities and liaises with external Legal Counsel, if needed;
• Gives advice and review the progress of outstanding litigation to protect company’s interest;
• Oversees the provision of internal trainings to sales force on legal topics such as; contract law and land law;
• Supports the corporate secretary duties;
• Contributes to the design of regulatory compliance testing;
• Coaches Legal Team to improve their capacity in performing jobs;
• Undertake other duties as may be assigned by Head of Legal and Compliance from time to time.

• Manages the maturity of Assets and Liabilities by ensuring the institution can meet all obligations in the next time frame and provides effective recommendations for critical decision making to the committee;
• Analyzes Assets and Liabilities Management reports to ensure the company is not exposed to financial risk and provides recommendations to ALCO committee in maximizing profitability;
• Develops and revises Assets and Liabilities Management policies to maximize net interest income and minimize risks due to mismatch between assets and liabilities;
• Analyzes funding and lending costs to provide recommendations for critical profit enhancing decisions by ALCO;
• Monitors and manages on all regulatory and internal ratios to ensure the institution is always in compliance and alerts Management shall there is any possibilities of the breach;
• Monitors liquidity risk, market risk and counterparty risk to ensure the institution is operating profitable with lowest risk;
• Develops and analyzes savings volatility by product types and currency to manage or forecast savings stability for the company;
• Analyzes savings withdrawals before and on maturity by product types and currency to know the percentage of monthly withdrawals to ensure the company has enough liquidity to support normal requirements, plus a buffer to reduce the likelihood that liquidity falls below these;
• Manages maturity of deposit and work closely with sale team to ensure the enough fund to support customers withdrawal needs;
• Analyzes deposit by different category/segmentation in order to provide recommendation to management for their decision making;
• Organizes monthly ALCO meetings to assess the company's balance sheet and take appropriate action;
• Prepares PowerPoint presentations on Asset and Liability Management for ALCO meetings and provide recommendations to support the committee’s decision making;Drafts ALCO meeting minutes for validation by the committee and circulate it to all relevant departments so they can take necessary action.

• Translate business requirements to technical documents in accordance with agreed templates;
• Take ownership to ensure high quality and timely delivery of multiple configuration, customization and developments in accordance with related development plans;
• Participate in project implementation assigned by Manager;
• Test software to ensure the code is correct and fix (debugging) errors where they occur; rerun and recheck the program until it produces the correct results;
• Recommend improvements to existing core banking system technical and business processes in order to meet requirements;
• Develop customizations and interfaces in the Core Banking System in conformance with development standards;
• Work with simplification and data teams to enhance end user experience and client insights;
• Collaborate closely with the quality assurance team to ensure the work before moving to user acceptance test;
• Participate in the designing and planning the projects in conjunction with the external partners, other IT, and business users.
• Make sure the long-term solutions are provided within the SLA on the Core Banking System;
• Develop, implement and document systems in internal methodology, processes and procedures for software development adhering to ISO & SDLC standards.

• Provide Ms. SQL server and Oracle database services to users like Start/Stop and monitor database services for 24/7 service running in DC and replication or active for database recovery at DR site, Restore and Backup data for user request environments.
• Support IT Operation for problem troubleshooting the root cause when thing goes wrong during daytime and Core Banking System Close of Business (COB) process by database service.
• Ensuring of no unauthorized user access to databases by Creating, Deleting, Granting and Revoking of database user privilege, Regular Maintain and review user matrix of databases with sign-off.
• Data consistency check, test and deploy the updated security patches.
• Performance analysis including system resource management, indexing, configurations, and tuning-up.
• Request support from vendors to get solution, recommendation for the best performance and stabilization CBS and other databases running.
• Regular archive history data, resize database, monitoring database services, log files, storage size, and other routine works of Oracle and Ms. SQL Server.
• Trace and report the statistic increase of Oracle database, storage capacity planning to support data growth in 3 to 5 years, and provide storage hardware sizing for budgeting.
• Daily review backup and restore database and allocate to the defined places.
• Mastering on the database upgrade and data migration projects.
• Involving in the application projects to support the database setup, configurations, user creations
• Be able to setup Ms. SQL Server and Oracle 12c clustering and disaster recovery active - active or active standby as preferable.
• Develop, document and implement T24 backup, restoration and recovery procedures and processes, ensuring proper scheduling, verification, cycles, media, retention, log, copies and storage have been applied.

• Implements and reports on production systems and service operations (Mobile Banking, Mobile Financial Services [MFS], ATM Switch, related reporting system), processes and procedures, problems, incidents and escalation management, adhering to information security and ITIL standards to offer proactive, secure and high-quality services;
• Monitors services, MFS, ATM Switch and reporting system KPIs, and reports on exceptions and corrective actions initiated;
• Troubleshoots problems and proposes solutions for issues related to production systems, validate with respective manager before applying the validated solution;
• Provide 2nd level technical support and collaboration with 3rd level support to MFS, ATM Switch and reporting system and interface with TEMENOS for vendor support to resolve issues based on agreed internal and external SLAs.

• Ensure and Monitor effective implementations of the policies and procedures;
• Develop the processes and toolkits to support the operational adoption of the IT Governance framework;
• Work closely with relevant stakeholders from IT and Risk and Compliance to prepare response and closure of gaps;
• Communicate the audit remediation activity to relevant parties and ensure that action is taken and implemented within the agreed timeframe;
• Coordinate or act as a liaison between IT department and internal auditor, external auditor, compliance entity and/or NBC effectively;
• Keep assessment, evidence and other compliance documents in an organized manner and securely store for further reference;
• Ensure that IT governance activities, policies and decisions are communicated to IT Management and Business in order to update the IT governance decisions that will affect IT services and projects;
• Support the IT Management to deliver services as required and manage the overall IT plans and budget from planning and governance point of view;
• Manage IT policy, procedure and guideline in proper manner.

• Gather Business requirement from related parties;
• Translate business requirements to technical documents in accordance with agreed templates;
• Encode project requirements by converting workflow information into computer language;
• Develop new customizations, reports and interfaces in the Core Banking System in conformance with development standards;
• Take ownership and ensure high quality and timely delivery of multiple developments in accordance with related development plans;
• Recommend improvements to existing T24 technical and business processes in order to meet requirements;
• Maintain historical reports by documenting program development and revisions;
• Contribute in the preparation of user manuals, guides and other material to ensure supportability and reuse;
• Analyze, prioritize and fix the open issues to ensure timely resolution of issues affecting business applications;
• Manage third level support services for all applications packages developed internally ensuring conformance to agreed SLAs;
• Document systems, the internal methodology, processes and procedures, for software development adhering to ISO & SDLC standards;
• Perform other task or duties relevant as required or assigned.

• Maintains fixed assets management processes including asset tagging, asset transfer, asset disposal and asset write-off to comply with inventory policy and verify the physical counted reports from branches (responsible person) with new Fixed Asset system to ensure the accuracy;
• Monitors all Amret assets (fixed and non-fixed assets) and assist to conduct physical/self (branch itself) count of inventory for all branches and head office in order to verify or reclassify assets as in place or still exist, transferred, user changed, loss, write-off or disposal required, then update the system following Amret policy and procedure;
• Performs asset recognition by verifying all investment purchase requisitions and purchase documents, and stamp FIXED ASSET, NON-FIXED ASSET and PURCHASED on invoices to avoid double payment and to input asset code before submit to Finance;
• Finds missing Amret assets and asset codes if there's missing;
• Evaluates the current inventory system to verify fixed and non-fixed assets with nil net book value, review initiate disposal or write-off proposal and asset disposal process at regional and branch level to ensure disposal and sale of fixed and non-fixed assets comply with inventory procedure;
• Collaborates with End User Service unit to update IT asset information in Asset Real-time tracking module;
• Initiates to purchase order of goods and service in ERP system for Inventory unit.

• ATM and card project
o Coordinate with ATM project related parties (Risk, IT, Finance and Legal unit) on producing business requirement, functional specification and technical specification document to have clear expectation for vendor;
o Work with vendor on card, receipt and journal design;
o Works closely with vendors, IT team and other related parties regarding ATM placement, installation, and ATM house decoration;
o Develop on ATM and card manual, procedure and guideline such as cash loading, ATM reconciliation, cash monitoring, PIN and Card management, etc. to have proper processes and maintain high level of security;
o Produce training material and provide training to related staff on cash loading, ATM reconciliation, Card management, etc. to ensure they’re all aware and able to perform following the guideline;
o Handle ATM related incidence and fraudulent issues to maintain both customer and company interest;
o Plan the UAT testing, develop test scenarios and test cases for ATM application, and perform UAT testing to make sure the system is applicable to real scenarios and in accordance to the requirement.
o ATM operations
o Monitor daily cash balance and ATM service quality to ensure there is enough cash for the transaction and on-going service providing to clients without any interruption;
o Coordinate with vendor on ATM maintenance and troubleshooting to ensure ATM machine is performing properly;
o Arrange daily cash and loading in off-site ATM to ensure it has enough cash for operation;
o Analyze the ATM transaction performance and make recommendation.

• Provide training on agricultural techniques to enable clients to upgrade their skills;
• Monitor and evaluate the training provided to ensure clients have appropriate skills to improve their agricultural production and business returns;
• Provide training on environmental and social policy and procedures to network staff ensuring they're aware of what Amret expects to them;
• Facilitate with lenders to ensure that Amret is well implementing Client Protection Principles and Exclusion List;
• Report handling and Social Responsibility Program initiation;
• Develop and conduct SPM assessments and prepare SPM highlight reports for publication and dissemination;
• Monitor SPM development and consult external actors to keep SPM indicators, policy and procedures updated;
• Initiate Social Responsibility Program linkages with other actors and put forward proposals to SPM Committee and senior management for their consideration and selection;
• Represent Amret as a member of the Social Performance Task Force to learn about the developments, the best practices, and update SPM Committee and senior management on must-do steps for being successful SPM.