Job Description

Role Responsibilities

Strategy*

To execute and deliver towards the growth of Business Banking business in line with Group\xe2\x80\x99s strategies.

Business*

Sales and Portfolio Management

• Achieve individual financial and non-financial targets while contributing towards team\xe2\x80\x99s overall deliverables through:
• Effectively generating new business \xe2\x80\x93 identify prospects and convert in line with the Bank\xe2\x80\x99s strategy
• Strategically formulating account plan \xe2\x80\x93 provide clients needs-based solutions and execute various banking transactions
• Proactively building trusted client relationships \xe2\x80\x93 maintain a portfolio of active and growing customers

\xc2\xb7 Market and sell broad range of products including trade service, cash management, treasury and investment

• Build and expand existing client relationships through pro-active contact, account planning, wallet sizing and effective pipeline management
• Generate new business via new client acquisition and via the ecosystem
• Grow client portfolio size by deepening existing client relationships
• Analyse and review potential business to ensure maximum profitability
• Identify and prioritize activities to maximize revenue contribution from allocated client portfolio.
• Provide advice on potential financial solutions based on identified needs
• Origination and structuring of deals based on client needs jointly with product partners as appropriate
• Consult and recommend strategies where account management or recovery is needed on problem accounts, assisting credit in identifying sources from minimizing loan losses
• Work effectively across geographic borders with customers to deepen relationships with the Bank.
• Completion and review of Account Plan and securing requisite signoff from product partners

\xc2\xb7 Generate creative ideas on customer acquisition and products/ services

\xc2\xb7 Regularly feedback to Team Leader and peers on new and anticipated financial and service needs and recommend appropriate improvements to processes on new products

\xc2\xb7 Maintain a high level of professionalism in client engagement, internal stakeholder management and other business conduct.

Partnering CDD Ops and other operational related responsibilities

• Partner CDD Ops in ensuring all CDD and related policies and procedures are followed
• Completion of Sanctions questionnaires, RRRC submissions and similar, liaising with the client as necessary
• The role will be accountable for minimising all periodic review overdue and expired items
• The role holder will be accountable for all Excess and Past Due management and related governance

Processes*

• Support the framework for effective management of operational risks across the Business and compliance with applicable internal policies, and external laws and regulations at a global level
• Support the execution of Business strategy in a safe and well-controlled manner and on an end-to-end basis \xe2\x80\x93 incorporating infrastructure requirements and ensuring that they are fit-for-growth
• Follow and comply with AML CDD policies and procedures where applicable
• Ensure internal / external CDD requirements are adhered to
• This role encompasses the processes under the ORF namely; Client Due Diligence, On-boarding and Account Management, Static Data Monitoring, Offshore Booking, Client Offboarding and Complaints Handling.

People & Talent*

\xc2\xb7 Embed the Group\xe2\x80\x99s values and culture

\xc2\xb7 Coach peers and more junior staff as appropriate

\xc2\xb7 Partner effectively with internal stakeholders to deliver effective client solutions.

Risk Management*

\xc2\xb7 Abide by appropriate frameworks to guarantee that business is carried out within the Group\xe2\x80\x99s risk appetite and relevant risks are appropriately managed in conjunction with line managers other stakeholders.

\xc2\xb7 Ensure compliance with the highest standards of regulatory conduct and compliance standards and practices as defined by internal and external requirements. This includes compliance with regulations and guidelines on Sanctions, Anti-Money Laundering (AML), and Environmental and Social Risk Management (ESRM).

\xc2\xb7 Abide by the Group\xe2\x80\x99s values and code of conduct and foster a robust culture to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees.

\xc2\xb7 Ensure that Risk Management matters that are brought to the job holder\xe2\x80\x99s attention are subject to direct remedial action and/or ensure adequate reporting to the relevant superiors and/or Risk Committees.

\xc2\xb7 Do what is right in order to avoid reputational risks and operational losses.

Governance*

\xc2\xb7 Ensure relevant systems and controls pertaining to the role remit are in compliance with Group and Business policies, procedures, standards and codes, including those governing all Risk types, Compliance, Operational Risk, Technology and Operations, Finance and Reputation

\xc2\xb7 Ensure adherence with the following Regulatory Compliance policies and processes (as is applicable):

\xc2\xb7 Anti-Money Laundering (AML) and all applicable money laundering prevention procedures

\xc2\xb7 Client Due Diligence & Related Periodic Reviews

\xc2\xb7 Client Suitability Standards

\xc2\xb7 Treating Customers Fairly

\xc2\xb7 Approval & review of Credit Applications

\xc2\xb7 Maintain Documentary standards

\xc2\xb7 Data Confidentiality

\xc2\xb7 Cross-Border Policy

\xc2\xb7 Sanctions

\xc2\xb7 Environmental and Social Risk Management (ESRM)

\xc2\xb7 Anti-Bribery and Corruption (ABC)

\xc2\xb7 Embed the Group\xe2\x80\x99s values and code of conduct to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees form part of the culture

\xc2\xb7 Engage with all audit report findings and ensure feedback is acted upon.

Regulatory & Business Conduct*

\xc2\xb7 Display exemplary conduct and live by the Group\xe2\x80\x99s Values and Code of Conduct.

\xc2\xb7 Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.

\xc2\xb7 Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

\xc2\xb7 Ensure compliance to the Group Sanctions Procedures

\xc2\xb7 Ensure adherence to all the local regulations (i.e., Bank Negara Malaysia), guidelines and policies.

Key stakeholders*

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\xc2\xb7 Internal \xe2\x80\x93 CDD Ops, ITO, Operational Risk, GIA, Legal, Compliance, CMPS/WM and TB product partners

\xc2\xb7 External - Clients and Lawyers.

Other Responsibilities*

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\xc2\xb7 Embed Here for good and the Group\xe2\x80\x99s brand and values

\xc2\xb7 Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures

\xc2\xb7 Work effectively across SCB, using values behaviours to drive overall business growth.

Qualifications*

Training, licenses, memberships and certifications

• Relevant undergraduate degree, ideally with minimum of 3 years relevant experience in Banking or Financial Services industry.
• Ability to read and write in English.
• Good understanding of Companies Act and basic understanding of Cash Management and Trade Working Capital (optional).
• Able to work under broad direction but is a self-motivated individual who can demonstrate strong sense of initiative with the ability to work independently and as a team player; has technical responsibility and accountability for work performed and decisions taken.
• Possess effective interpersonal communication, emotional intelligence, and collaboration skills.
• Results-oriented, target driven and able to work under stress.
• Establish sufficient experience in balancing between sales target and prioritising compliance and regulatory framework.
• This role requires extensive travelling.

Our Ideal Candidate

• Account Management

Addressing Customer Needs
Anti-money Laundering Policies and Procedures
Bank Account Features and Services
Cash Management Services
Small Business Banking

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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