Senior Due Diligence Officer: Financial Advice Quality (Gauteng)
BA Personnel · Gauteng, South Africa
Overview
BA Personnel is looking for a seasoned financial planning professional to join a leading financial services organisation as a Senior Due Diligence Officer. You will assess the quality and suitability of financial advice given by representatives, ensuring it meets the seven steps of financial planning and FAIS requirements. This Gauteng based role suits someone with deep practical financial planning experience and sharp analytical skills.
About the role
As a Senior Due Diligence Officer, you will work within the FAIS Centre of Excellence to evaluate the quality of financial advice provided by representatives. This is a specialist financial planning assessment role where you will review client files, check that the seven steps of the financial planning process have been followed, and determine whether recommendations are suitable and complete.
What you will be doing:
- Conduct detailed due diligence on client files against the recognised seven steps of financial planning.
- Assess needs analyses, risk assessments, financial objectives and product recommendations for suitability and completeness.
- Identify gaps and weaknesses in advice processes and prepare clear assessment reports with practical recommendations.
- Engage with financial representatives, Key Individuals and Compliance Officers to provide constructive feedback.
- Monitor corrective actions and help improve financial advice standards across the business.
This role requires a strong mix of financial planning knowledge, administrative discipline and professional judgement.
Requirements
- Practical experience in financial planning and thorough understanding of the seven steps of the financial planning process.
- Certified Financial Planner (CFP) designation is advantageous.
- Recognised compliance qualification is advantageous.
- Membership of the Financial Planning Institute (FPI) or another relevant professional body is advantageous.
- Experience in quality of advice monitoring, financial planning due diligence or financial advice quality assurance is advantageous.
- Experience in a financial services distribution environment is advantageous.
- Exceptional attention to detail and accuracy.
- Strong analytical and critical thinking skills.
- Comprehensive understanding of financial planning methodologies.
- Excellent administrative, organisational and record management skills.
- Strong written and verbal communication skills.
- Ability to provide constructive, practical recommendations.
- Professional confidence to engage with and challenge experienced financial representatives.
- Ability to maintain high concentration and consistency when performing repetitive documentation tasks.
- Strong work ethic, discipline, accountability and time management.
- Proficiency in Microsoft Office and relevant business systems.
Responsibilities
- Conduct comprehensive assessments of client files against the seven steps of the financial planning process.
- Evaluate whether financial representatives have correctly applied financial planning methodologies.
- Review client needs analyses, risk assessments, financial objectives, product recommendations and supporting documentation.
- Assess the suitability, appropriateness, completeness and overall quality of financial advice provided.
- Determine whether recommendations are adequately motivated and aligned with clients' circumstances and needs.
- Identify gaps, deficiencies, inconsistencies and weaknesses in financial planning processes.
- Assess compliance with FAIS legislation, the General Code of Conduct, Treating Customers Fairly principles and internal standards.
- Apply independent professional judgement when evaluating quality of advice.
- Identify potential regulatory, conduct and financial advice risks arising from file assessments.
- Prepare detailed, accurate and professional assessment reports.
- Document findings, deficiencies, recommendations and required corrective actions.
- Provide practical guidance to representatives on improving financial planning processes and documentation.
- Identify recurring trends, control weaknesses and opportunities for process improvement.
- Monitor corrective actions and escalate material concerns where appropriate.
- Contribute to initiatives aimed at strengthening financial planning standards and improving client outcomes.
- Engage professionally with financial representatives, Key Individuals, Compliance Officers and management.
- Provide constructive feedback regarding advice quality, documentation and financial planning methodologies.
- Challenge deficiencies where necessary, supported by sound financial planning knowledge and practical experience.
- Establish credible relationships with distribution stakeholders.
- Support financial advice quality improvement, awareness and training initiatives.
- Conduct high volume client file assessments while maintaining exceptional accuracy and consistency.
- Maintain comprehensive records of assessments, findings and supporting documentation.
- Compile accurate reports and meet agreed daily targets, operational deadlines and service level agreements.
- Demonstrate excellent organisational skills and disciplined workload management.
- Maintain sustained concentration and attention to detail when performing repetitive, documentation intensive tasks.
- Utilise Microsoft Office and relevant business systems effectively.
- Adhere to established standard operating procedures, quality assurance standards and administrative controls.
Job details
- Organisation
- BA Personnel
- Location
- Gauteng, South Africa
- Job type
- Full time
- Experience level
- Senior
- Category
- Banking & Insurance
- Application Method
- Apply online
Success Guide
This role is perfect for you if you have hands on financial planning experience and want to move into a quality assessment space. When applying, highlight your practical knowledge of the seven steps of financial planning and any experience you have with file reviews or advice monitoring. Even if you do not have the CFP yet, show your understanding of FAIS and TCF principles. In an interview, be ready to discuss how you would assess a client file and give examples of when you identified a gap in advice. Your ability to give constructive feedback to experienced advisors will be key. Tailor your CV to show your analytical side and attention to detail. Good luck!
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