Playing tennis, Snorkeling & Go-Karting
AUGUSTINE JENES PETER JOSEL
Senior Banking Professional
Jenjarum,10
Summary
Seasoned banking leader with 25+ years’ experience across Transaction Banking, Cash Management, Corporate Sales and Operations within top-tier financial institutions. Proven track record in leading teams, driving deposit and merchant acquisition, implementing API integrations and delivering innovative payment & receivables solutions. Experience in managing complex migration projects, enhancing client experience and optimising operational efficiency. Recognised for strong stakeholder engagement, regulatory compliance expertise and delivering measurable business growth.
Overview
30
30
years of professional experience
Work History
Vice President, Group Transaction Banking
RHB Bank Berhad
06.2024 - Current
- Spearhead merchant acquisition across card/non-card segments to expand market presence and drive Current Account growth.
- Oversee end-to-end API implementation & enabling merchants to scale operations efficiently.
- Deliver tailored cash management solutions to SME clients, optimising liquidity and enhancing returns.
- TB SME Sales & Merchant Acquiring
Head, Transaction Banking – Cash Management Solutions Design
RHB Bank Berhad
07.2022 - 06.2024
- Led a 5-member team ensuring uptime and service excellence of the Reflex Cash Management system.
- Directed system enhancements, project delivery, UAT and vendor management within budget and timelines.
- Reviewed fee waiver requests, Reflex cash management onboarding documentation, product manuals & approved system maintenance changes.
Vice President, Corporate & Investment Banking
Al Rajhi Bank Malaysia
06.2018 - 06.2022
- Led migration of corporate clients to new CMS platform ahead of schedule.
- Developed cash management products, secured Shariah Board approvals and launched DuitNow, Cross Border Fund Transfer (CBFT) and RPP Pay-to-Account service.
- Provided training and advisory to RMs, branch managers and call centre staff.
Assistant Vice President, Corporate Sales
RHB Bank Berhad
01.2016 - 05.2018
- Delivered customised receivables/payables solutions to large corporates, closing high-value deals.
- Collaborated with fintech partners to expand Direct Debit offerings.
- Group Transaction Banking
Head, Business Development & Solution Delivery
RHB Bank Berhad
07.2009 - 12.2015
- Managed sales & implementation teams, boosting activation/utilisation rates for cash management products.
- Developed market-driven system enhancements and new services.
Cash Management Sales Manager
AmBank
05.2008 - 07.2009
- Identified and closed cash management opportunities, providing tailored receivables/payables solutions.
- Acted as single point of contact for client relationships and product delivery.
Assistant Vice President, Marketing & Sales – Business Banking
CIMB Bank
06.2006 - 05.2008
- Managed and coordinated sales activities across Business Banking Centres to achieve performance targets.
- Cross-sold financial products including cash management, BizChannel (corporate internet banking), payroll services, deposits, and investments.
- Conducted client presentations and product bundling sessions to support acquisition and deepen client relationships.
- Performed competitor market surveillance and research to inform strategic marketing initiatives.
- Developed targeted marketing strategies for client acquisition and retention programs to grow existing customer base.
- Managed portfolio analytics, monitoring trends in loan growth, deposit movements, and trade utilisation to support strategic planning.
- Sales & Client Management
- Market Analysis & Portfolio Management
Assistant Manager Operations
HSBC Electronic Data Processing
06.2003 - 05.2006
- Managed multiple teams in Credit Card Call Centre, Personal Line of Credit and Online Account Maintenance for Asia Pac.
- Drove process migrations from Singapore, improved service levels and strengthened compliance.
Assistant Account Manager
Southern Bank Berhad
05.1996 - 06.2003
- Prepared and processed retail credit proposal for mortgage and personal loan, performed loan recovery and portfolio management.
- Delivered sales and advisory for housing loans, personal overdrafts and consumer banking products.
Corporate Finance Executive
Permodalan Amanah Saham Negeri Sarawak Sdn Bhd
07.1995 - 05.1996
- Conducted project evaluations, cash flow analysis and liaised with government bodies on business ventures.
Education
Bachelor’s Degree - Accounting
University of Portsmouth
United Kingdom01.1995
Diploma - Accountancy
MARA Institute of Technology
Malaysia01.1993
Skills
Developed and presented customised cash management solutions to secure high-value mandate and strengthen client relationships
Strong customer relationships, resulting in repeat business and long-term partnerships
Transaction & Cash Management Solutions
Merchant Acquisition & Application Programming Interface (API) Integration
Corporate & SME Client Advisory
Product Development & Process Improvement
Project Management & User Acceptance Testing (UAT) Oversight
Regulatory Compliance (BNM, PayNet, Shariah)
Leadership & Team Development
Client Relationship Management
Liquidity & Working Capital Optimisation
Accomplishments
- Implemented auto fund sweeping for group of companies for reputable automobile client.
- Implemented DNQR solution via API integration for a leading courier company.
- Migrated clients to new CMS platforms in both RHB and Al Rajhi Bank ahead of deadlines.
- Launched multiple high-impact cash management products, including DuitNow, CBFT and enhanced merchant reporting.
- Received RHB Management Award for exceeding income targets via Global Account Management initiatives.
- Closed high value deals with major corporate clients in automotive, utilities and government sectors.
Interests
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Vice President, Group Transaction Banking
RHB Bank Berhad
06.2024 - Current
Head, Transaction Banking – Cash Management Solutions Design
RHB Bank Berhad
07.2022 - 06.2024
Vice President, Corporate & Investment Banking
Al Rajhi Bank Malaysia
06.2018 - 06.2022
Assistant Vice President, Corporate Sales
RHB Bank Berhad
01.2016 - 05.2018
Head, Business Development & Solution Delivery
RHB Bank Berhad
07.2009 - 12.2015
Cash Management Sales Manager
AmBank
05.2008 - 07.2009
Assistant Vice President, Marketing & Sales – Business Banking
CIMB Bank
06.2006 - 05.2008
Assistant Manager Operations
HSBC Electronic Data Processing
06.2003 - 05.2006
Assistant Account Manager
Southern Bank Berhad
05.1996 - 06.2003
Corporate Finance Executive
Permodalan Amanah Saham Negeri Sarawak Sdn Bhd
07.1995 - 05.1996
Bachelor’s Degree - Accounting
University of Portsmouth
Diploma - Accountancy
MARA Institute of Technology
References
Available upon request.