Job Summary

•    Group Internal Audit & Investigations (GIAI) at Standard Chartered Bank is seeking a high calibre Audit Manager to join the Transaction Banking Operations (Payments) audit team, providing independent assurance over global payments activities within a complex, multi jurisdictional banking environment.
•    The role is specifically suited to an experienced payments practitioner with hands on exposure to payments operations or first line risk and control activities, bringing practical insight into how payment processes, systems, and controls operate in practice. This operational grounding enables the role to deliver audits that are relevant, credible, and focused on real world risks rather than purely theoretical control design.
•    The Audit Manager is accountable for end to end audit delivery across payments operations, including risk assessment, audit execution, issue articulation, reporting, and ongoing business monitoring.
•    Working closely with stakeholders across Transaction Banking, Operations, Technology, Risk, and Compliance, the role delivers clear, evidence based insights that support senior management and the Board in understanding payments related risks, control effectiveness, and emerging issues.

Key Responsibilities

Business
•    Support the execution of the Group Internal Audit plan for Transaction Banking Operations, with primary focus on Payments. 
•    Plan and perform risk based audit engagements across the payments value chain, including initiation, processing, clearing, settlement, and reconciliation, in line with IIA Standards and GIA methodology. 
•    Conduct periodic and continuous risk assessments to identify key risks arising from changes in payment products, channels, infrastructure, regulations, and operating models (e.g. real time payments, ISO 20022, digital channels). 
•    Assess the design and operating effectiveness of governance, risk management, and internal controls across payment operations and infrastructures, including SWIFT, payment hubs, host to host connectivity, APIs, and supporting systems. 
•    Obtain sufficient, reliable, and relevant audit evidence through walkthroughs, control testing, data analysis, and stakeholder interviews to support audit conclusions. 
•    Identify, evaluate, and clearly document audit issues, root causes, and risk implications in accordance with GIA standards and documentation requirements. 
•    Communicate audit outcomes through clear, accurate, and timely reporting to management and relevant governance forums and committees. 
•    Monitor and follow up on management action plans to ensure timely and effective remediation of audit issues. 
•    Maintain independence and objectivity while providing credible and constructive challenge to management. 
•    Collaborate with other Group Internal Audit teams to deliver coordinated and integrated audit coverage, avoid duplication, and support enterprise wide risk insights. 
•    Contribute to quality assurance and continuous improvement activities within Group Internal Audit, including methodology enhancements and peer reviews. 
•    Maintain up to date knowledge of payments risks, regulatory expectations, and industry practices to continuously enhance audit effectiveness.

Regulatory & Business Conduct
•    Display exemplary conduct and live by the Group’s Values and Code of Conduct. 
•    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.
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders
•    Transaction Banking Operations and Product stakeholders.
•    GIAI stakeholders, including Team leaders, Team members, Audit Directors, Senior Audit Directors and Audit Executive Team.

Other Responsibilities
•    Embed Here for Good and Group’s brand and values in GIAI.
•    Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.

Qualifications

•    6–12 years of experience in Transaction Banking, Payments Operations, Risk & Control, Technology, or Internal Audit within a global financial institution.
•    Bachelor’s degree or higher in Finance, Accounting, Business, Information Systems, Technology, or a related discipline.
•    Professional certifications (e.g. CISA, CIA, CAMS) or Payments specific certifications (e.g. ISO 20022, Payments Operations) are advantageous.
•    The ideal candidate will demonstrate:
•    Strong understanding of end to end payments operations, including initiation, processing, clearing, settlement, reconciliation, and exception handling.
•    Practical knowledge of payments infrastructure and platforms, such as SWIFT, payment hubs, host to host connectivity, APIs, and supporting operational systems.
•    Solid grounding in payments related risks, including operational resilience, processing errors, fraud risk, sanctions screening, regulatory compliance, and third party dependencies.
•    Experience assessing the design and operating effectiveness of controls across governance, risk management, and internal control frameworks.
•    Strong analytical skills, attention to detail, and ability to synthesise complex information into clear, defensible audit conclusions.
•    Excellent written and verbal communication skills, with the ability to articulate payments risks and control issues to senior management.
•    Strong stakeholder management skills, with the ability to work effectively across Operations, Product, Technology, Risk, and Compliance.
•    Ability to work independently, manage multiple audit activities concurrently, and deliver to agreed timelines.
•    Hands on experience with data analysis and visualisation tools (e.g. Power BI, Tableau, Excel) to support audit testing and insights is an advantage.
•    Ability to commit to 10-15% business travel (if required).

Skills and Experience

•    Payments
•    Risk and Control/Assurance
•    Stakeholder Management 
•    Products and Processes
•    Data Analytics

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.