Job Summary

Strategy
•    Ensure a sustainable and scalable Lending Operations capability for the country.
•    Works closely with project teams/stakeholders to drive projects/initiatives related to the WRB Operations space under Client Onboarding.
•    To ensure successful and timely delivery of onboarding, credit lending and risk ops and FRM.
•    Partners and actively collaborates with all relevant stakeholders across the WRB business and functional space to build robust and sustainable operational and execution excellence.
•    Ensure Fraud Risk Management framework is effectively embedded and communicated across WRB segment.
•    Managing Fraud risk activities and processes, effectively and efficiently- aligned to the business strategy.
•    Support and provide feedback/guidance on issues faced within the region through performance review with Country/ Regional FRM teams. 
•    Identify industry best fraud risk infrastructure and management practices are tabled and are considered for adoption within the country.
•    Develop a collaborative relationship with regulators, peer banks and fraud risk industry forums to help detect and mitigate fraud.
•    Recommend changes to the process control environment or to business practices, where necessary, to reduce the level of fraud risk exposure to within the agreed appetite.

Business

•    Encourage and promote an active training and learning environment to facilitate excellence in risk management, risk awareness, behaviours and accountability.
•    Ensure KPI are met, timely for lending and risk ops activities as well as FRM.
•    Promote and ensure alignment of Lending products to bank strategy.

Key Responsibilities

Processes
•    Investigates suspicious alerts and assist the investigation team as needed.
•    Prepares reports, monitors progress and watches for any developing problems. 
•    Lead and drive standardisation, automation and consolidation through re-engineering and process improvement initiatives.
•    Review investigation details and guide country team to ensure holistic coverage of the incident / case under investigation. 
•    Deliver cost effective and high-quality transactional processing services on all loan products to both internal and external clients in accordance with regulatory and Group policies/ procedures.
•    Collaborate with Risks, Product and Business on credit-assessment and Fraud related issues.
•    Ensure all approved instructions/ transactions are approved by authorised personnel(s) and processed within agreed service TAT and backlog if any are promptly identified, escalated and resolved. Trains and provides business process and operational expertise and guidance to in-country teams in relation to understanding end to end secured collateral unit’s processes and their connectivity to relevant WRB policies and procedure standards that impact day to day business activities
•    Handles all inquiries efficiently and highlight discrepancies and irregularities noted in portfolio in accordance with service standards and operational limits 
•    Actively contributes to process improvements to enhance efficiency, eliminating duplications and potential sources of errors.

People & Talent

•    Champion and act as a role model of the Group’s values and culture in the country
•    Create a culture of operational and service excellence across the country
•    Set the appropriate tone and expectations for the team
•    Ensure the provision of on-going training & development, ensure that direct reports are suitably skilled and qualified for their roles and that they have effective supervision in place to mitigate any risk
•    Create a motivational and challenging environment for staff which is conducive to creativity and performance with client-centricity in mind
•    Maintains satisfactory relationships with both internal and external customers and ensures services provided meet the requirements

Risk Management
•    Analyses and reviews transactions to detect emerging fraud trends.
•    In the event where risk tolerances have been breached, ensure senior management are informed and that actions are taken quickly to remediate and/or activities are ceased.
•    Act quickly and decisively when any risk and control weakness become apparent and ensure they are addressed within an appropriate timeframe and escalated through the relevant committees.
•    Ensure all FRM policies and procedures in the country, comply with Group Policies and Standards. Ensure proper and updated documentation in place for in-country policies and procedures.
•    Ensure that effective management response plans are in place to respond to extreme but plausible fraud scenarios in the country.
•    Act to minimise operational loss and audit failures and in conjunction with WRB Head and WRB Client Journey Heads, ensuring appropriate focus on issues and resolutions.
•    Accountable to own regulatory audit / inspections in the country as well as offshore service centres

Governance
•    Attend governance forums and committees as required,
•    Prepare business and function updates as required under governance committees and forums.
•    Ensure compliance to Policy and Procedures of the bank and regulatory requirements.
•    Ensure updates are made as and when required under the Credit, Lending and FRM umbrella to Country, Group and Function.

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

•    Credit Risk Management Team
•    WRB Product Managers
•    Head, Client Acquisition
•    Head, Business Banking and Mortgage
•    Head WRB and Head SCSB
•    Functional Partners for WRB in the country including Risk, Compliance, HR, Finance, Legal, Audit, Regulatory Affairs, etc.

Other Responsibilities
Embed Here for good and Group’s brand and values in WRB OPS Brunei Darussalam / Lending / Credit Risk and FRM team; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats);

•    Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
•    Provide oversight across fraud risk management team, ensuring compliance with the highest standards of regulatory and business conduct and compliance practices as defined by internal and external requirements. This includes compliance with local banking laws, other applicable laws and anti-money laundering regulations and guidelines
•    Embed the Group’s values and code of conduct in the country fraud risk management team to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees forms part of the culture 
•    Accountable for satisfactory closure of issues / gaps arising from Internal Audits, peer reviews and regulatory reviews for the areas of work.

Qualifications

•    Education-Degree holder
•    Training-All bank mandated training
•    Languages-English proficiency
 

Skills and Experience

•    Business Facilitation
•    Problem Solving 
•    Lead by Example 
•    Manage Change 
•    Courage
•    Decision Quality
•    Give Clarity and Guidance
•    Customer Focus
•    Strategic Mindset

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.