Job Description

Introduction

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Helping South African expatriates access and transfer their money

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Moving money from South Africa can be complex.

We make it easy by ensuring secure, tax-compliant, and cost-effective transfers -

whether you're withdrawing retirement savings, tax emigrating from SARS, claiming tax refunds, inheritances, or sending funds offshore.



OUR VALUES

The culture across the FinGlobal is one where 'clients are at the heart of everything we do' and our employees bring

this culture to life by behaving in line with our unique values which are:

Integrity, Accountability, Excellence, Innovation

These values drive our performance, enhance our reputation, and position us for the future.

Role Purpose

The Expat Financial Consultant/Specialist is a vital member of the Advisory team, reporting to the Head of Advisory

Services. This role can be advisory or non-advisory and the incumbent functions as either an Advisor or Scripted

Intermediary responsible for the entire sales process. The primary goal is to successfully sell one or more of FinGlobal's

services to prospective clients. In this position, you will communicate with and guide potential clients on the services

needed to meet their specific needs. Additionally, you will work closely and collaboratively with Service Delivery teams

to ensure client expectations and the company's revenue targets are achieved. Scripted Intermediaries will support

Advisors in all tasks necessary to ensure the successful sale of FinGlobal services.

Requirements

QUALIFICATIONS AND EXPERIENCE

The candidate needs to have proven expertise in business and technical facets of the role including the following:

a) Tertiary qualification in Finance, Commerce, Sales or another related field recommended.

b) More than 2 years' experience within the financial services industry recommended.

c) RE5/RE1 certification as authorised representative required.

Duties & Responsibilities

PRIMARY ACCOUNTABILITIES

a) Lead reception: Receive and organise marketing leads from various sources, ensuring contact information is

correct and identify specific needs or interests of each lead.

b) Contact: Reach out to leads through appropriate channels (phone, email, video-calling, text, etc.), introduce the

company and its services, and establish rapport to gauge their interest and willingness to engage further.

c) Qualification: Assess the lead's eligibility and suitability for the offered services (e.g. policy encashment, tax, forex,

etc.), asking relevant questions to understand their financial situation, goals, and potential challenges. Secure

approval from leads to proceed with further discussions by gathering the required documentation.

d) Presentation: Present tailored solutions to qualified leads, explaining the benefits and process of encashing

policies, changing tax residency status, handling forex, etc., addressing any concerns and highlighting the value

proposition for each service.

e) Negotiation: Discuss and agree on terms, pricing, and any specific requirements with the lead, overcoming

objections and ensuring mutual understanding to move forward with the selected services.

f) Closing: Finalise the sale by obtaining commitment from the lead, completing necessary information, and ensuring

a smooth transition to the Service Delivery team for policy encashments, tax residency changes, forex, etc.

g) Follow-up: After the sale, follow up with the client to ensure satisfaction, address any issues, and explore

opportunities for additional services or referrals, maintaining a positive relationship.

Competencies

ROLE REQUIREMENTS

Financial services knowledge

a) Strong understanding of policy encashments, tax emigration, forex services or any other service/s offered by the

company relevant to South African expatriates.

b) Solid knowledge of South African tax laws, SARS regulations, and common tax challenges faced by expatriates.

c) Familiarity with exchange control regulations and their impact on international money transfers.

d) Awareness of double taxation agreements (DTAs) between South Africa and other countries.

Sales and CRM proficiency

a) Experience using Salesforce (or other CRMs) to track leads, manage client interactions, and maintain records.

b) Ability to manage lead pipelines, track conversions, and identify potential drop-off points in the sales process.

c) Skilled in consultative selling--asking the right questions to uncover client needs rather than relying on hardselling

techniques.

Compliance and documentation handling

a) Understand KYC (Know Your Client) and AML (Anti-Money Laundering) requirements within financial services.

b) Ability to guide clients through the intended process and necessary documentation for policy encashments, tax

emigration, forex transactions, or any other services offered by the company.

c) Ensuring compliance with South African and international financial regulations to mitigate legal risks.

Communication and digital proficiency

a) Ability to explain complex financial concepts in straightforward, client-friendly language.

b) Strong email and professional writing skills for effective client communication.

c) Comfortable conducting virtual consultations via Zoom, Teams, or other video platforms to engage with

expatriates globally.

d) Proficient in using spreadsheets (Excel/Google Sheets) for basic financial calculations and estimates.

Problem-solving and advisory skills

a) Ability to assess a client's financial situation and recommend tailored policy encashment, tax and forex solutions.

b) Knowledge of alternative solutions when a particular service does not meet the client's needs.

c) Capable of identifying red flags in financial transactions that may require specialist input.

Learning and Development

a) Under the Financial Advisory and Intermediary Services (FAIS) Act, financial professionals such as advisers must

earn Continuing Professional Development (CPD) points to maintain their fit and proper status. This requirement

ensures compliance with the FAIS Act's ongoing competency standards necessary for holding a Financial Services

Provider (FSP) license. Advisors are responsible to complete continuous Professional Development and remain

compliant with all role requirements.

b) Advisors and Scripted Intermediaries must familiarise themselves with any new services that may be added to the

FinGlobal suite over time.

Compliance

a) Comply with all company standard operating procedures (SOPs), policies, guidelines and procedures.

b) Comply with all regulatory rules (where relevant) including but not limited to FSCA, FAIS and SARB.

c) Comply with all applicable regulations and legislation from regulators and organisations such as FSCA and SARS.