Senior Dealer: Central Funding

Job Purpose

Accountable for optimising the bank’s ZAR liquidity and funding position to meet payment and settlement obligations, support sustainable net interest income and maintain compliance with the bank’s risk appetite, ALCO strategy, SARB requirements and applicable liquidity regulations. The role also supports safe and efficient participation in SAMOS and related market infrastructure.

Job Responsibilities

• Optimise the bank’s daily forecast liquidity position by monitoring payment flows, wholesale funding, securities settlements and collateral movements.


• Manage intraday liquidity risk, including peak-day funding requirements arising from SAMOS settlement cycles and high-value market payments.


• Maintain the overnight balance within internal policy requirements and align trading activity, operational settlements and available liquidity.


• Oversee the accurate recording and processing of transactions through the appropriate dealing and settlement platforms.


• Optimise structural funding and support compliance with key liquidity ratios, including the LCR and NSFR.


• Price deposits and loans in accordance with prevailing market conditions, the bank’s funding and liquidity position, internal pricing frameworks and applicable regulatory metrics.


• Maintain liquidity risk frameworks, policies and contingency funding plans in line with industry rules, SARB requirements and supervisory expectations.


• Lead liquidity stress testing, including idiosyncratic, market-wide and intraday stress scenarios.


• Assess the liquidity implications of market developments, system changes and new business initiatives.


• Act as the senior escalation point for liquidity stress events and settlement disruptions.


• Translate liquidity metrics into clear, actionable insights for ALCO, senior treasury forums, management and regulatory engagements.


• Build trusted relationships with internal and external stakeholders by sharing relevant cash-flow forecasts, market intelligence, pricing information and client insights.


• Represent the bank in relevant industry forums concerning market infrastructure, liquidity and regulation.


• Produce management information and analysis to support decision-making across liquidity, risk, credit exposures, limits and regulatory obligations.


• Maintain strong control discipline by complying with applicable mandates, limits, policies, procedures and regulatory requirements.


• Identify and implement opportunities to improve processes, systems, efficiency, profitability and stakeholder outcomes.


• Develop team capability through mentoring, coaching, knowledge sharing and targeted development aligned with business needs.

Essential Qualifications - NQF Level

• Relevant advanced diploma or bachelor’s degree in Finance, Economics, Accounting, Banking or a related field.

Preferred Qualification

• Bachelor of Commerce Honours degree, postgraduate qualification in Finance or Treasury, or an equivalent qualification.

Essential Certifications

• ACI Dealing Certificate or equivalent treasury-market certification.


• Applicable FAIS regulatory requirements, where relevant to the role.


• Regulatory Examination certification, where required by the role’s regulatory classification.

Minimum Experience Level

• At least five years’ relevant experience in treasury, money markets, liquidity management, funding, payments or settlements within a banking or financial-services environment.


• Demonstrated experience in intraday liquidity management, SAMOS settlement processes and regulatory liquidity requirements.

Type of Exposure

• ZAR money markets, wholesale funding and liquidity management.


• Intraday liquidity and high-value payment flows.


• SAMOS and related payment and settlement infrastructure.


• Treasury dealing and transaction-execution platforms.


• Collateral and securities-settlement processes.


• Liquidity stress testing and contingency funding planning.


• Regulatory, audit and industry-forum engagement.

Technical / Professional Knowledge

Behavioural Competencies

Employment Equity Statement

Preference will be given to individuals fro underrepresented groups.