Explore how the Sanlam CA Training Programme (TOPP) can help you qualify as a CA(SA), gain real business experience, and build a long-term career in South Africa’s financial sector.
For many accounting graduates in South Africa, the journey doesn’t end with a degree—it begins there. The real transformation happens during articles, where theory meets the messy, fast-moving reality of business. And if you’re aiming for the CA(SA) designation, the training route you choose can shape not only your technical skills, but your entire career outlook.
One option that often stands out is the TOPP (Training Outside Public Practice) route, particularly through large organisations like Sanlam Group. Unlike traditional audit-focused training, this pathway immerses you in the internal workings of a major business, offering a different perspective on finance, risk, and strategy.
But what does that actually mean for your day-to-day experience—and your long-term future?
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A different kind of training ground
Let’s start with the environment. Sanlam Group isn’t just an insurance company—it’s a diversified financial services group with operations spanning multiple countries and sectors. That scale matters.
As a trainee accountant in their CA Training Programme, you’re not confined to a single function. Instead, you rotate across different business units—finance, risk, internal audit, and more. Over three years, you get to see how decisions are made at various levels of the organisation.
This exposure is what sets TOPP programmes apart. You’re not only learning how to check numbers—you’re learning how those numbers influence real business outcomes.
Beyond spreadsheets: what you’ll actually learn
It’s easy to assume that accounting training is all about debits, credits, and compliance. While those are important, the reality is broader.
During your rotations, you’ll develop a mix of technical and professional competencies. These include understanding financial reporting, working with taxation, and engaging in risk management—but also building softer skills like decision-making, communication, and ethical judgment.
In a corporate environment, these skills aren’t optional. You’ll often find yourself contributing to reporting cycles, assisting with projects, or working with teams across different departments. It’s not just about getting the numbers right—it’s about understanding the story behind them.
The pressure is real (and that’s part of the growth)
Let’s be honest—this path isn’t easy.
The expectations are high, and the learning curve can feel steep, especially in your first year. You’ll be expected to meet deadlines, adapt quickly, and maintain accuracy in your work. Financial reporting periods, in particular, can be intense.
But this pressure serves a purpose. It builds resilience and sharpens your ability to think under pressure—qualities that define successful Chartered Accountants.
If you’re someone who prefers a slow-paced, predictable routine, this environment might feel overwhelming. But if you’re driven, curious, and willing to stretch yourself, it can be incredibly rewarding.
Where many applicants go wrong
Every year, strong candidates miss out on opportunities like this—not because they lack qualifications, but because they overlook key details.
One common mistake is focusing only on academic results. While a solid average (typically 60% or higher) is important, it’s not the only factor. Employers are also looking for well-rounded individuals—people who have been involved in university societies, community initiatives, or leadership roles.
Another issue is underestimating the importance of professionalism. This includes how you present your CV, how you communicate, and how you prepare for interviews. Small details can make a big difference.
And then there’s mindset. Some applicants approach the programme as just another requirement to tick off. But organisations like Sanlam Group are looking for individuals who see this as a long-term investment in their careers.
Real-world tips to help you stand out
If you’re serious about pursuing a CA(SA) through a TOPP programme, a few practical steps can improve your chances:
Show evidence of initiative
Whether it’s involvement in a student organisation or a side project, demonstrate that you’ve taken responsibility beyond academics.
Understand the business
Don’t just apply blindly. Take time to learn about the company, its operations, and its role in the financial sector.
Work on your communication skills
You’ll be interacting with teams, managers, and sometimes stakeholders. Being able to express yourself clearly is a major advantage.
Be ready to explain your “why”
Why CA(SA)? Why TOPP instead of audit? Why this company? Clear, thoughtful answers can set you apart.
What success looks like in this programme
Completing a SAICA-accredited training programme isn’t just about finishing your articles—it’s about meeting a set of professional and technical competencies defined by South African Institute of Chartered Accountants.
This includes demonstrating ethical behaviour, strong financial understanding, and the ability to contribute meaningfully to business processes. You’ll also need to pass the required assessments, including the Initial Assessment of Competence (IAC).
It’s a demanding journey, but one that leads to one of the most respected professional designations in the country.
When you start preparing your application, it’s worth taking a moment to refine your CV—our guide to creating a strong CV can help you present your skills and academic achievements in a way that stands out to recruiters.
The bigger picture: career paths after qualification
One of the advantages of training within a large organisation is the visibility it gives you into different career options.
After qualifying as a CA(SA), you’re not limited to one path. You could move into financial management, strategy, risk analysis, or even executive roles over time.
Within a group like Sanlam Group, there are also opportunities to grow internally across different business clusters—from fintech to investments.
This flexibility is one of the reasons many graduates choose the TOPP route. It opens doors beyond traditional audit careers.
A quick reality check: is this for you?
Before applying, it’s worth asking yourself a few honest questions.
Are you committed to a three-year training journey that requires discipline and consistency?
Are you comfortable working in a corporate environment where expectations are high?
Do you have a genuine interest in finance and business, beyond just passing exams?
If the answer is yes, this could be a strong fit. If not, it might be worth exploring other pathways within accounting or finance.
A small step that can make a big difference
Applying for a programme like this isn’t just about meeting requirements—it’s about presenting yourself effectively. If you’re unsure how to structure your CV or approach the process, you can take a look at our guide on applying for jobs for practical tips that can strengthen your application.
If you’d like to explore the opportunity further, it’s a good idea to review the full programme details directly on the official careers platform, where you’ll find the most accurate information about the role, requirements, and next steps. Taking a few minutes to go through the listing carefully can also help you tailor your application more effectively before moving forward.
Final thoughts
The SAICA trainee route is often described as challenging—and it is. But it’s also one of the most structured and rewarding ways to build a career in finance.
Programmes like the one offered by Sanlam Group don’t just prepare you for exams—they prepare you for the realities of the business world. They expose you to decision-making, strategy, and the kind of thinking that goes beyond textbooks.
If you’re ready to commit to the journey, it could be the foundation for a career that offers both stability and growth in South Africa’s evolving financial landscape.
What is a SAICA trainee accountant (TOPP) programme?
A TOPP (Training Outside Public Practice) programme is a structured training pathway that allows you to qualify as a CA(SA) while working within a corporate environment instead of an audit firm. It is regulated by South African Institute of Chartered Accountants and focuses on building both technical and business skills.
Who should apply for this type of programme?
This opportunity is best suited for graduates who have completed (or are completing) a SAICA-accredited postgraduate qualification such as a CTA and want exposure to real business operations rather than traditional auditing.
What qualifications do I need to be considered?
You’ll typically need a Certificate in the Theory of Accountancy (CTA) or an equivalent postgraduate qualification recognised by SAICA, along with a solid academic record (usually an average of 60% or higher).
How long does the training programme last?
The programme runs for approximately three years, during which you complete structured rotations and gain the practical experience required to qualify as a Chartered Accountant.
What kind of work will I be doing during the programme?
You’ll rotate through different departments within Sanlam Group, gaining exposure to areas like financial reporting, risk management, internal audit, taxation, and business strategy.
Disclaimer
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