Job Description

Role Responsibilities

Job Summary*

Manage the PB Client portfolio to maximize new business opportunities and deepen existing relationships, while providing quality in service delivery in an efficient operation where risks are well controlled. Ensure that robust sales process, stringent service standards in compliance with local regulatory requirements are met

Responsibilities*

\xc2\xb7 In consultation with the BM/STM, draw up monthly plans for achieving new business and customer acquisition goals committed.

\xc2\xb7 To foster and deepen client relationship by providing regular market information updates and trend analysis on international equities, unit trust, bonds and other investment instruments and follow up calls / visits to assist them in their investment decisions.

\xc2\xb7 To conduct regular checks on market trends and competitors\xe2\x80\x99 programme offering and activities. This is to assist / initiate efforts to increase product differentiation and enhance attractiveness of programme.

\xc2\xb7 To plan, target and cross-sell integrated business financial services to Priority clients who are self-employed professionals and businessmen.

Strategy*

In/outbound ETB advice & sales

• To proactively acquire portfolio AUM of Priority Clients besides Personal clients.

• Engaging & deepening Affluent & hidden Affluent in advisory conversations with analytics support and collaboration with Wealth Specialists.

• Meeting clients when required (at least once a month).

• Prepare and educate clients to interacting via online, Client Centre NTB referrals from clients

• Actively acquire and activate new Affluent/potential Affluent clients referred from ETB clients directly to Relationship Manager, Priority Banking.

• Provide advice to Personal Clients approaching Bank with complex investment needs.

Business*

\xc2\xb7 To achieve agreed revenue and new sales targets.

\xc2\xb7 Agreed service standards to customers.

\xc2\xb7 100% Operation control under operation risks guidelines and sales compliance.

\xc2\xb7 To cascade and live the values.

\xc2\xb7 To undertake special projects / assignments.

\xc2\xb7 Non compliance and control weaknesses inherent in the selected samples are detected and duly reported

\xc2\xb7 No unsatisfactory compliance reviews and audits on the conduct of CST and record keeping

\xc2\xb7 No overdue Control Sample Testing (CST).

\xc2\xb7 Maintaining robust controls and monitoring actions

Processes*

Engaging and deepening activities

1. Proactively engaging with the PB Clients by having complete knowledge of the clients in terms of the :

\xc2\xb7 profile & assets

\xc2\xb7 create analytics-backed next best conversation

\xc2\xb7 sound knowledge in Needs/Anchor products such as : Wealth & Mortgage, CASA, CC & etc.

2. To acquire from individual client referrals and actively engaging them during the first 3 months by:

\xc2\xb7 meeting the client in person to discuss on advisory needs (once a month/quarter)

\xc2\xb7 connect client with specialists

\xc2\xb7 set up products holding

\xc2\xb7 conduct/connect for periodic CDD

\xc2\xb7 conduct fulfilment & activate

3. Supporting the client on any client-initiated needs by:

\xc2\xb7 Proactively reaching out to client for advice discussions

\xc2\xb7 Delivering on transactions, service requests, mobile/online training

\xc2\xb7 Updating CDD

\xc2\xb7 Managing Client\xe2\x80\x99s credit situation

\xc2\xb7 Refer most servicing activities to Client Servicing Managers (as and when request by clients)

\xc2\xb7 To recommend improvements in operational processes, procedures and products based on customer feedback to ensure constant enhancement of service levels and efficiency.

\xc2\xb7 To comply with all applicable money laundering prevention procedures and, in particular report any suspicious activity to the Unit Money Laundering Prevention Officer and line manager.

Acquiring on referrals

1. Act on referral leads assigned within timeline

2. To solicit referrals from other sources.

3. To conduct a professional, consultative financial analysis and profiling session with Priority clients by:

\xc2\xb7 Meeting, listening and determining further needs

\xc2\xb7 Setting up anchor products & initiate cross-sell

\xc2\xb7 Conduct/connect CDD

\xc2\xb7 Educate and conduct initial set-up for online, ATMs, Client Centre and Branch

People & Talent*

Product broadening

\xc2\xb7 Enhanced multi-product Priority knowledge

\xc2\xb7 Market and competition knowledge

\xc2\xb7 Possess all relevant investment & insurance certifications and licensing

Client engagement

\xc2\xb7 Presentation and soft skills tailored to engaging Affluent Clients

\xc2\xb7 Internal stakeholder engagement skills

\xc2\xb7 Closing deals

\xc2\xb7 Ability to drive and manage client interaction

\xc2\xb7 Good communication & presentation skills

\xc2\xb7 Negotiation and objection handling

\xc2\xb7 Client training on digital solutions

Journey completion

\xc2\xb7 Discipline and good time management to handle a client portfolio

\xc2\xb7 Ability to solve problems and close issues without handing over

\xc2\xb7 Strong analytical ability

\xc2\xb7 Understanding of Priority CDD principles

\xc2\xb7 Interpersonal and complaint handling skills

\xc2\xb7 Bank\'s product knowledge

\xc2\xb7 Understanding of policies and procedures

\xc2\xb7 ABM rules / Bank Negara FEA regulations

\xc2\xb7 Branch Operations Manual (WEBOM) /MIC/ group circulars/bank policy and tariff of charges

Risk Management*

\xc2\xb7 Ensure compliance with Group Policy and Standards, local laws and regulations, controls and procedures of the Bank and regulatory requirements pertaining to Money Laundering and CDD.

\xc2\xb7 Participate in and/or support the Bank\'s effort in combating money-laundering activities.

\xc2\xb7 Exercise due care and diligence on matters related to Money Laundering and CDD in the day to day operations, which include account opening and reviews, transaction monitoring, reporting suspicions, customer communication, implementing new requirements, updating and revising operating procedures, acquire relevant knowledge and training, provide support to superior and subordinates.

Governance*

Compliance and Money Laundering responsibilities:

1. Ensure compliance with Group\xe2\x80\x99s standards and regulatory requirements pertaining to Money Laundering and CDD.

2. Participate and support the Bank\xe2\x80\x99s effort in combating money-laundering activities.

3. Exercise due care and diligence on matters related to Money Laundering and CDD in the day to day operations, which include account opening and reviews, transaction monitoring, suspicions activity reporting during client communication.

Key stakeholders*

Across all department in banks

Other Responsibilities*

Qualifications*

Training, licenses, memberships and certifications

\xc2\xb7 Honours degree (CGPA 3.0 or better) and / or relevant professional qualifications.

\xc2\xb7 Possess all relevant investment & insurance certifications and licensing.

\xc2\xb7 More than 5 years\xe2\x80\x99 experience in banking with demonstrable knowledge of banking practices and financial products.

\xc2\xb7 Favourable track record in managing sales and / or operations or demonstrated ability to achieve strong sales performance.

\xc2\xb7 Ability to coach, inspire and mobilise Branch team members of various levels to deliver exceptional performance.

\xc2\xb7 Demonstrated ability to establish a service culture.

\xc2\xb7 Interpersonal and complaint handling skills

\xc2\xb7 Bank\'s product knowledge

\xc2\xb7 Understanding of policies and procedures

\xc2\xb7 ABM rules / Bank Negara FEA regulations

Role Specific Technical Competencies
FIMM License Core

• Bancassurance License
• IPPC License

About Standard Chartered

We\'re an international bank, nimble enough to act, big enough for impact. For more than 160 years, we\'ve worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you\'re looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents. And we can\'t wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you\'ll see how we value difference and advocate inclusion. Together we:

Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do

Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well

Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations

Time-off including annual, parental/maternity (20 weeks), sabbatical (12 weeks maximum) and volunteering leave (3 days), along with with minimum global standards for annual and public holiday, which is combined to 30 days minimum

Flexible working options based around home and office locations, with flexible working patterns

Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits

A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning

Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you\'ve applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.

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