Job Summary

As a Cash Specialist, you will play a key role in driving the growth of our SME Banking segment by executing strategies aligned with the Group’s objective. 

Key Responsibilities

•     To review SME Banking RM’s account plans with a view to increase Standard Chartered wallet share for cash products and to increase contribution of cash revenues.  
•     Partner closely with Transaction Banking Cash Products team in Corporate & Investment Bank  (CIB).
•     Lead the development of cash and treasury management propositions, and optimising SME Banking clients pricing and portfolio.
•     Improve on-boarding process and participate in Client Due Diligent (CDD) related projects.
•     Improve end-to-end cash, deposit, Foriegn Exchange (FX) and payment related process, and ensure appropriate risk control and governance.
•     Lead/participate in digital roadmap design of SME Banking clients and drive digital channel adoption.
•     Work closely with frontline sales to commercialize cash business opportunities and provide expertise support in solution delivery.
•     To conduct training & best practice sharing sessions with all SME Banking frontline teams and touch - points on various cash related initiatives and product knowledge.

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 – 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.

Risk Management
•    Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.
•     Work effectively across SCB, using values behaviours to drive sustainable business growth.
•     Adherence to laws and regulations, internal risk and compliance policies (including anti-money laundering, sanction, anti-bribery & corruption and relevant FCC risks) and the Group Code of Conduct.

Skills and Experience

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

Qualifications

•    Relevant undergraduate degree, ideally with minimum of 3 years relevant experience in Banking or Financial Services industry.
•    Good command 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 

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.