Job Summary

The role provides independent second-line Conduct, Financial Crime and Compliance Risk (CFCR) advisory, oversight and constructive challenge to the Wealth & Retail Banking (WRB) business across the Middle East and Pakistan (MEP) region. The role is based in Malaysia and will work closely with regional, country, business and specialist stakeholders across MEP.

The role holder will combine broad CFCR expertise, strong WRB business understanding and sound judgement to advise on customer, product, process, distribution, transaction and business matters. The role requires confidence operating where requirements may be principles-based, facts are incomplete or no prescribed process exists, while maintaining independence and ensuring decisions are evidence-based, appropriately governed and documented.

Key Responsibilities

Strategy

• Contribute to the development and implementation of the CFCR Coverage Advisory strategy for WRB across MEP, aligned to the Bank’s strategic direction and risk appetite.
• Promote a consistent regional advisory model while recognising relevant country laws, regulations, supervisory expectations, customer needs and market practices.
• Establish and maintain strong links with CFCR colleagues across customer segments, products, specialist teams and countries to support a coordinated One Bank approach.
• Provide CFCR input to WRB strategy, operating-model design, digitalisation, transformation and material change initiatives.

Business Advisory and Partnering

• Develop and maintain a strong understanding of WRB business models, customer segments, products, distribution channels, customer journeys and strategic priorities across MEP.
• Provide timely, practical and risk-based advice on customer onboarding, ongoing due diligence, periodic and trigger reviews, customer treatment, complaints, products, processes, digital journeys, business change and remediation.
• Identify and challenge activities that may be outside risk appetite, regulatory expectations or Group standards, escalating where necessary until appropriate ownership and action are established.
• Partner constructively with the business and control functions, balancing commercial objectives with sustainable CFCR outcomes and fair customer treatment.
• Assess customer profiles, ownership and source-of-wealth or source-of-funds information, transaction activity, behavioural indicators and other risk factors to identify potential red flags or emerging risks.
• Support the resolution of competing or overlapping legal and regulatory requirements, engaging relevant subject-matter experts where required.

Processes

• Provide oversight and challenge over the implementation of CFCR policies, standards, procedures and controls relevant to WRB across MEP.
• Support practical, risk-based processes and documented hand-offs between WRB, CFCR Coverage Advisory, country teams and specialist functions.
• Advise on the interpretation and application of internal policies, standards and external regulatory expectations, including circumstances not explicitly addressed by a DOI or process note.
• Contribute to continuous improvement of management information, trackers, service standards and governance arrangements for regional coverage.
• Use data, intelligence, complaints, customer outcomes and thematic insights to identify trends, concentrations, control gaps and opportunities for proactive risk mitigation.

Risk Management

• Act as an independent second-line adviser and provide specialist review, oversight and constructive challenge across relevant conduct, financial crime and compliance risks.
• Proactively identify, assess and communicate current and horizon risks that may affect WRB across MEP, and recommend proportionate mitigation strategies.
• Support annual and event-driven CFCR risk assessments, thematic reviews, high-risk customer reviews and other targeted assessments relevant to regional coverage.
• Provide oversight of risk acceptances, mitigating action plans and remediation, ensuring material matters are tracked, escalated and reported through appropriate governance channels.
• Support significant regulatory, conduct, financial crime or compliance issues, including root-cause analysis, lessons learned and sustainable remediation.
• Collaborate with relevant monitoring, surveillance, assurance, investigations and audit teams, and follow through on findings relevant to the role’s coverage.
• Escalate serious breaches, material control weaknesses, adverse customer outcomes or risk-tolerance concerns promptly to appropriate senior management and governance forums.

Governance

• Provide clear, concise and decision-useful reporting to relevant regional, country, business and risk governance forums.
• Ensure material risks, issues, dependencies and overdue actions are transparently recorded and escalated through appropriate channels.
• Contribute to robust product, customer and change governance by ensuring CFCR and customer-outcome considerations are appropriately reflected in submissions and decisions.
• Recommend control enhancements, simplifications, automation and preventive actions where these will improve risk outcomes, effectiveness or efficiency.
• Maintain appropriate records of material advice, challenge, decisions and escalation in accordance with applicable requirements.

Regulatory and Business Conduct

• Maintain a strong understanding of applicable regulatory expectations across MEP and translate them into practical implications for WRB.
• Support preparation for regulatory reviews, inspections, audits and supervisory engagements relevant to WRB, including coordinated responses and remediation.
• Display exemplary conduct and live by the Group’s Values and Code of Conduct.
• Take personal responsibility for embedding high standards of ethics and for identifying, escalating, mitigating and resolving regulatory, conduct, financial crime and compliance matters.

People and Talent

• Promote a culture of openness, trust, inclusion, curiosity and risk awareness, where ethical and policy-compliant conduct is the norm.
• Share knowledge, practical experience, regulatory insights and lessons learned across the regional CFCR and Managed Services networks.
• Contribute to capability development through coaching, guidance, targeted training input, cross-skilling and constructive feedback.
• Work collaboratively across geographies and functions, maintaining high standards of prioritisation, responsiveness and delivery.

Key stakeholders

• Regional and country CFCR leadership across MEP
• WRB leadership, product and business teams across MEP
• Country Compliance Officers and Money Laundering Reporting Officers
• CFCR specialist teams and Centres of Excellence, including relevant FCC, conduct and compliance teams
• Client Due Diligence, Operations, Legal, Risk, Product, Digital, Transformation, Audit and Assurance stakeholders
• Relevant governance forums and regulators, where appropriate and authorised

Skills and Experience

•    Business Acumen, Product and Operations
•    Business Ethics
•    CFCC Risk Management
•    CFCC Risk Advisory
•    Leadership (Influencing and Inspiring)
•    Managing Change
•    Data gathering, analytics and insights
•    Enterprise and Operational Risk Management
•    Collaboration and Stakeholder Management
•    Regulatory Environment – Financial Services

Qualifications

• Graduate qualification or equivalent relevant professional experience.
• Significant experience in banking, financial services, a regulator, consulting or another relevant industry, with strong exposure to Wealth, Retail or Consumer Banking.
• Broad CFCR background spanning multiple areas of financial crime risk, compliance and conduct risk. Experience limited to a single narrow discipline is less likely to meet the breadth required for this role.
• Demonstrated advisory or business-partnering experience, including the ability to provide practical advice and constructive challenge to senior stakeholders.
• Strong understanding of WRB customer journeys, products, distribution channels and risks, including CDD/KYC, AML, sanctions, customer treatment, complaints and regulatory change.
• Experience assessing complex or ambiguous matters, forming evidence-based judgements and escalating appropriately.
• Experience working across multiple countries, cultures, products or stakeholder groups is desirable.
• Relevant professional certification, such as ICA, ACAMS or an equivalent qualification, is desirable but not essential.

Other Responsibilities

• Perform other responsibilities assigned under applicable Group, regional, country, business or functional policies and standards.
• Embed the Group’s brand, values and purpose in the delivery of CFCR Coverage Advisory across MEP.
• Keep the role profile current where there is a material change to scope, responsibilities, reporting lines or regulatory requirements.
• This job description should be read together with the relevant terms of reference, governance requirements, policies, procedures and the role holder’s contract of employment. Any Malaysia-specific employment, regulatory, licensing or location requirements should be validated before publication.

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 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
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

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 leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along 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.