Job Summary
•    Surpass Key Financial and Strategic Performance Metrics: Ensure your performance reflects our culture of 'Never Settle' based on the scorecard and Minimum, risk, control and conduct (RCC) criteria.
•    Service Excellence: Deliver the highest-caliber client service, staying true to our 'Never Settle' and 'Think Client' commitment.
•    Client Growth: Expand client networks and deepen relationships, reflecting our value of 'Think Client'.
•    Operational Accuracy and Efficiency: Execute tasks with minimum to no errors and always have an improvement mindset.
•    Strategic Referrals: Seamlessly connect clients to other job groups, enhancing our collaborative strength in alignment with our value 'Better Together'.
•    Adaptability: Embrace change and maintain compliance, demonstrating resilience and ethical conduct to 'Do the right thing'.
•    Innovative Mindset: Foster creativity and innovation in sales strategies and client solutions, echoing our 'Never Settle'.
•    Data Tracking and Validation: Use the provided systems to track and validate achievements in a systematic manner.
•    Working Together: Ensure adherence to the spirit and aims of the buddy system to maintain consistent performance in the team and client experience.
•    Develop a Positive Working Environment: Champion a respectful and inclusive workplace.
•    Accountability and Ownership: Take personal responsibility for personal actions and their impact on the team, reflecting a culture of mutual respect and transparency.
•    To Prepare and Build Up accreditations and requirements to be able to sell insurance and investments in line with shift to advisory role and affluent acquisition.

SCORECARD DELIVERIES

FINANCIAL
•    Revenue Drivers
•    Any other relevant drivers developed and imposed on scorecard
•    Achieving the minimum score for this metric as required by the FLIP Scorecard

Strategic Quality Drivers
•    Net Deepening of Qualified Clients
•    No. of Client Upgrades 
•    Any other relevant drivers developed and imposed on scorecard

CUSTOMER EXPERIENCE & RISK MANAGEMENT
•    Error rate/ Sales Rework
•    Client Satisfaction Survey
•    Any other relevant drivers developed and imposed on scorecard
•    Achieving the minimum score for this metric as required by the FLIP Scorecard

Minimum, risk, control and conduct (RCC) reviews for FLIP include but not limited to:
•    Overdue regulatory/compliance Learning or Certifications by 10 or more days
•    Employee Relations (ER) disciplinary sanctions
•    Zero score on Customer Experience & Risk Management component of the scorecard 
•    Failure to commit or recommit to the Group Code of Conduct (GCOC)
•    People Leader Obligations
•    Receiving and maintaining relevant licensing criteria to conduct regulated activities

In this role, it is crucial to adhere to the company's minimum risk control policies (RRC). Any deliberate or non-deliberate actions that directly contradict these policies may result in severe consequences, including the complete withdrawal of commission or termination of employment. 

Responsibilities
1. Emerging Affluent Client Acquisition – Initial Meeting
•    Receive Leads: Obtain NTB/ETB leads from Online/Client Care Centre/Business Development Managers, ETB from internal triggers such as Leads Manager, and secure your own leads. Identify any lead prospects and validate the prospect’s qualification (AUM).
•    Pitch to them on a meeting to discuss our banking and feature proposals.
•    Meet up with client to pitch the bank’s affluent journey and your financial advisory role towards the prospect.
•    [Qualified - Interested] Follow up on lead, analyse the prospects financials and build an initial plan.
•    [Qualified - Not Interested] Follow up on lead so long as client is open to another meeting (repeat 1).
•    [Unqualified - Interested] Refer to direct acquiring function to follow up.
•    [Unqualified - Not Interested] Refer to direct acquiring job function if potential and client is open.

2. Emerging Affluent Client Deepening – Follow Up Meetings For Current Portfolio
•    Receive Hot Leads: Obtain leads from CCC directing a client to you; Client contacts you directly for updates; Qualified client gets referred to you from SC staff.
•    Receive Cold Leads: From transaction reviews and portfolio analysis of your portfolio. Client refers contacts to you to follow up. For target clients with deepening potential by AUM, product qualification, needs analysis. Conduct regular reviews via the Financial Needs Analysis Framework and client meetups to deepen relationship and products.
•    Pitch to them on a meeting to discuss our banking and feature proposals.
•    Meet up with client to pitch the bank’s affluent journey and your financial advisory role towards the prospect
3. Emerging Affluent Client Acquisition – Qualified – Interested Follow Up Meetings (From 1 & 2)
•    Meet up with client to advise on the constructed financial plan that addresses their financial needs and goals in accordance with their financial and non-financial restrictions.
•    Discuss the plan with the client, the costs and commitment necessary, consider any extra information provided for refining plan. Get a commitment to the plan or what is needed to make the plan workable.
•    This may include loan takeovers, insurance and wealth, credit cards, and referrals of friends and family.
•    Handle objections if any, address said objections immediately if possible or follow up on any issues.
•    [Interested] Lock in the sale and acquire the client
•    [Not Interested] Identify reasoning and ensure you leave it open to follow up.

4. Track and Validate Balanced Scorecard Achievement
•    Ensure compliance with regulatory requirements: Stay updated with regulatory requirements and ensure all applications are compliant.
•    Update Daily: Monitor and update daily sales activities in the provided tracker.
•    Regularly monitor and update financial targets.
•    Ensure all pipeline trackers and required trackers are updated consistently and in a timely manner.
•    Promptly update any relevant trackers provided by the bank.
•    Update daily sales activities in the provided tracker, monitoring client interactions, deals, and progress.
•    Work towards promoting the bank’s growth agenda towards fee income and qualified clients.
6. Continuous Learning and Improvement
•    Stay Updated: Stay updated with industry trends and changes in lending and wealth products.
•    Continuous Improvement: Regularly review and improve your performance.
•    Understand how to speed up applications: Leverage your knowledge of client needs and the lending process to identify potential bottlenecks and suggest solutions to speed up the application process.
•    Build a relationship with your stakeholders: Understand the role of different departments and teams involved in the lending process (e.g., Underwriting, Risk Management, Client Care, 3rd Party Insurance providers, Wealth and Lending Ops).
•    Maintaining requirements for certifications and licenses (e.g. Continuous Professional Development for CMSRL; e-learnings and training refreshers for insurance).
•    Ensure all mandatory e-learnings are completed within the deadline and e-learnings and lessons required by business are completed in reasonable time.

7.    Ethical and Legal Compliance
•    Ensure all client interactions are ethical and lawful.
•    Comply with all regulatory requirements and guidelines.
•    Ensure all client information is handled securely and confidentially.
•    Comply with all data protection regulations and privacy laws.

Strategy
•    Drive Country Sales and Deepening Strategies
•    Do activities which generate personal loan volume and deepening for Emerging Affluent Clients and Prospects.
•    Do activities which generate wealth and insurance deepening for Emerging Affluent Clients and Prospects.
•    Once approved & Licensed, do activities which generate bancassurance fee income and Unit Trust AUM growth.
•    Acquire AUM Qualified Emerging Affluent Clients (>=40,000) and Priority AUM Qualified Clients (>=100,000)
•    Generate referrals to other bank products, example mortgage, business banking and priority banking.
•    Provide End to End, Financial Planning services to drive:
•    Investment and Bancassurance Sales Revenue
•    New to Wealth and new to insurance Acquisition
•    Personal loan takeovers
•    Credit Card Acquisition

•    Promote online banking:
•    Encourage clients to sign up for online banking
•    Highlight key benefits: convenience, security, and time savings
•    Showcase digital banking features as part of acquisition process
Business
•    Live and act by a culture of good Conduct committed to fair outcomes for clients and the bank’s reputation 

Processes
•    Drive and support the continuous improvement of processes to increase operational efficiency and effectiveness 
•    Support the effective management of operational risks across the business and in compliance with applicable internal policies and external laws and regulations 
•    Support the delivery of Business Strategy in a safe and well controlled manner 
•    Responsible for managing the integrity of WRB client data within the country 
•    Work closely with other stakeholders to support the delivery of WRB strategy in a safe and well- controlled manner and on an end-to-end basis 
•    Drive implementation of policies and control standards set by Risk control owners and Policy owners, ensuring compliance and operating within risk tolerance and risk appetite 
•    Monitor the implementation of policies and control standards set by risk control owners and/or Group policy owners, ensuring the business complies and operating within risk tolerance and risk appetite 

Risk Management
•    Highlight weaknesses across the end-to-end for the business in Brunei, risk and control environment and drive rectification as required 
•    Ensure that systems and controls follow Group and Business policies, procedures, standards and codes, including those governing all Risk types, Compliance, Technology and Operations, Finance and Reputation  
•    Understanding Risk Culture (ICS) in Information & Cyber Security (ICS) goes beyond policies and controls – It’s about the everyday behaviours, decisions and mindset we apply to manage risk responsibly.
•    Secure handling of confidential information/credentials.
•    Awareness of Insider Threat: See Something, Say Something.
•    To understand and adhere to our communication standards when interacting with clients through approved channels (F2F, Recorded Line, Email) and non-approved limited channels.

Governance
•    Maintain awareness and understanding of the regulatory framework in which the Group operates, and the regulatory requirements and expectations relevant to the role 
•    Responsible for delivering ‘effective governance’; challenging fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner. 

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 Initiation Unit (CIU)
•    BN Lending Operations (APPS & LDU)
•    Brunei Retail Product Managers
•    Account Services Unit (ASU)
•    Employee Banking
•    Branch Operations
•    Brunei Wealth Management
•    Investment Clearing Unit (ICU)
•    Global Banking Services Unit (GBS)
•    3rd Party Insurance Provider Back Office

Other Responsibilities
•    Embed the Group’s Values and Group Code of Conduct to ensure adherence with the highest standards of ethics. Comply with relevant policies, processes and regulations, as part of the culture. Lead by example by displaying exemplary conduct behaviours and take personal responsibility for:
•    The conduct of individuals in the Job holder’s area of accountability ensuring behaviours set out in the Group Code of Conduct are followed. 
•    Achieving the outcomes set out in the Conduct Principals and Pillars. 
both direct and indirect/dotted line managers are individually accountable to proactively communicate, collaborate and agree on the conduct ratings of employees.

Required Qualifications & Licenses
Requirements on hiring and review
•    21 years old and above
•    Either
•    Have a bachelor’s degree in a relevant discipline (e.g. Economics, Finance, Accounting, Mathematics, etc) OR
•    Have 12 or more months of experience working in a relevant discipline and sector OR
•    By the bank’s discretion for consideration
•    In good financial health and legal standing

Training, Licenses, Memberships and Certifications
•    Having or obtaining approval to offer Bancassurance products to clients on a needs basis is a requirement within the first 6 months or when management deems appropriate given the circumstances.
•    Pass External Examinations Required by the Bank to be approved to advise and offer insurance
•    Pass Internal Examinations Required by the Bank to be approved to advise and offer insurance
•    Pass requirements and assessed to be ‘fit’ to advise and offer insurance
•    Passing Internal Examinations and Training for Front Line Roles & Regulated Front Line Roles.
•    Having or obtaining a license by BDCB for a Capital Markets Service Representative License (CMSRL) is a requirement within the first 12 months or when management deems appropriate given the circumstances.
•    Passing FPPP and/or other accepted Examinations
•    Passing Rules & Regulations exam
•    Passing Internal Wealth Bootcamp 
•    Any other exam as required by the bank & relevant authorities
•    To maintain CMSRL to performing regulated activities as BAU and maintain the minimum Continuous Development Points and ‘fitness’ requirement, as required by the regulator to maintain the license. 

Role Specific Technical Competencies
•    ATLAS/EBBS
•    CCMS
•    RLS
•    REAL
•    EOPS
•    ICDD
•    UTS
•    Finantix
•    Investment Products (Unit Trusts)
•    Insurance Products
•    Financial Planning
•    Banking and Lending Products
•    Portfolio Analysis and Investment Recommendation
•    Pitching Skills

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.