Job Summary

•    providing direct advisory services to customers on portfolio construction and portfolio review. 
•    为客户提供投资组合构建和投资组合审查方面的直接咨询服务；

•    Ensuring SCB offers a differentiated, best-in-class, consistent advisory proposition across customer segments. 
•    确保渣打银行在所有客户群体中提供差异化、一流且一致的咨询服务。

This will primarily involve providing professional expert advice to customers using the SCB advisory process for asset allocation, portfolio construction and portfolio review based on the full understanding of the customer's financial position, objectives, risk tolerance and other circumstances (but not including tax status). 
•    这主要涉及在充分了解客户的财务状况、目标、风险承受能力和其他情况（但不包括税务状况）的基础上，运用渣打银行的咨询流程，为客户提供资产配置、投资组合构建和投资组合审查方面的专业建议。

The Investment Advisor also acts as a subject matter expert to customers/frontline staff on holistic view of the market, and support SCB wealth strategy in providing to higher value customers a higher level of customer service and growing recurring income faster than the transaction-based income.
•    投资顾问作为市场整体视角方面的专家，为客户/一线员工提供支持，并协助渣打银行财富管理策略，为高价值客户提供更高水平的客户服务，并实现比交易收入更快的经常性收入增长。

Key Responsibilities

•    Portfolio/Investment Construction and Review for Assigned Customers 
•    为指定客户构建和审核投资组合/投资方案

•    Partner with 8-12 relationship managers RMs and act as an investment advisor to assigned customers of those RMs. [For IAs Priority Banking, we would seek to provide this portfolio review service to at least the top 25% of Priority customers - as a guideline customer with combined Deposits WM AUM of $200k & above.] 
•    与 8-12 位客户经理 (RM) 合作，担任这些客户经理指定客户的投资顾问。 [对于优先理财投资顾问，我们将至少为前 25% 的优先理财客户提供此项投资组合审核服务——作为参考，这些客户的存款和财富管理资产总额 (AUM) 均达到或超过 20 万美元。]

•    Grow AUM of customers through investment advisory services, by proposing customer-specific portfolio solutions that will drive net growth in customer portfolios. 
•    通过投资咨询服务，为客户量身定制投资组合解决方案，从而提升客户资产管理规模 (AUM)。

•    Understand, acknowledge and comply with the requirements on individual accountabilities and responsibilities of the job set out in applicable local laws and regulations as well as SCB internal policies
•    理解、认可并遵守个人责任和义务的相关要求。

•    Effectively ensure and intensify internal controls by keeping abreast with developments of applicable local laws and regulations on accountabilities
•    通过及时掌握适用的本地法律法规在问责方面的最新动态，有效确保并强化内部控制

•    Perform job duties with diligence, contribute to efforts as an individual or as a team member so as to avoid any actual or potential legal sanctions, regulatory penalties, material financial loss, or adverse reputational impact on the Bank  
•    勤勉履行职责，以个人或团队成员身份贡献力量，以避免对银行造成任何实际或潜在的法律制裁、监管处罚、重大财务损失或声誉损害

•    Be responsible for failure to follow relevant rules and processes, failure to properly perform the responsibilities, and implement corrections
•    对于不遵守相关规则和流程、未能妥善履行职责以及实施纠正措施的情况负责

•    Cooperate with any investigations or reviews on regulatory failure such as accountability review
•    配合对监管失败的任何调查或审查，如问责制审查

•    Fully comply with all the regulatory requirements related to Consumer Rights Protection, uphold the robust mindset of Consumer Rights Protection, complete the Consumer Rights Protection themed training and workshop in due course, prevent the potential infringements of consumer rights, participate the public education, EV or other activities to uplift the public awareness about Consumer Rights Protection
•    全面遵守与消费者权益保护相关的所有监管要求，坚持消费者权益保护的稳健心态，适时完成以消费者权益保护为主题的培训和研讨会，防止潜在的侵犯消费者权益行为，参与公众教育、电动汽车或其他活动，以提高公众对消费者权益保护意识

Strategy
策略
•    Based on materials issued by Group and Country Investment Advisory and Strategy teams, provide market briefings for RMs/branches/Hubs 
•    根据集团和国家投资咨询和战略团队发布的材料，为RM/分支机构/中心提供市场简报

•    Based on materials issued by Group and Country Wealth Solutions teams, provide updates on investment advisory process changes to RMs 
•    根据集团和国家财富解决方案团队发布的材料，向RM提供投资咨询流程变更的最新情况

Business
业务层面
•    Portfolio/Investment Diagnostics to Assigned RMs
•    负责RM的投资组合/投资诊断
•    Conduct one-on-one diagnostic reviews with each assigned RM on his/her portfolio at least [once a month], to: 
•    至少[每月一次]与每个分配的RM对其投资组合进行一对一的诊断审查，以：
•    Align customer portfolios with their investment objectives, and aligning portfolios with house views 
•    使客户投资组合与他们的投资目标相一致，并使投资组合与房屋景观相一致
•    Balance asset allocation and thematic plays 
•    平衡资产配置和主题投资

Processes
流程

•    Provide investment consultation in the customers’ best interests using the SCB advisory process, rather than focussing on the sale of specific products. 
使用SCB咨询流程，以客户的最佳利益提供投资咨询，而不是专注于特定产品的销售。
•    Help the customer to achieve his or her objectives, in the context of the customer's current needs/circumstances, in compliance with all regulatory and bank requirements and with the highest professional standards.
•    根据客户当前的需求/情况，帮助客户实现其目标，遵守所有监管和银行要求，并达到最高的专业标准。

People & Talent
人才与才能

•    Outstanding ability to provide leadership, guidance and inspiration to the customers, RMs and other partners 
•    Strong sense of self-motivation and discipline in execution 
•    Excellent communication and negotiation skills with the ability to influence outcomes 
•    Ability to network with internal and external business stakeholders. 

•    为客户、RM和其他合作伙伴提供领导力、指导和灵感的出色能力
•    强烈的自我激励意识和执行纪律
•    出色的沟通和谈判技巧，能够影响结果
•    能够与内部和外部业务利益相关者建立联系。

Risk Management
风控
•    Understand, acknowledge and comply with the requirements on individual accountabilities and responsibilities of the job set out in applicable local laws and regulations as well as SCB internal policies   
•    了解、承认并遵守适用的当地法律法规以及渣打银行内部政策中规定的个人责任和职责要求

Governance
治理
•    Perform job duties with diligence, contribute to efforts as an individual or as a team member so as to avoid any actual or potential legal sanctions, regulatory penalties, material financial loss, or adverse reputational impact on the Bank   
•    尽职尽责地履行工作职责，作为个人或团队成员为工作做出贡献，以避免任何实际或潜在的法律制裁、监管处罚、重大财务损失或对银行声誉的不利影响

Regulatory & Business Conduct
监管和商业行为
•    Display exemplary conduct and live by the Group’s Values and Code of Conduct. 
•    展示模范行为，遵守集团的价值观和行为准则。

•    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.
•    承担个人责任，在渣打银行内部树立最高的道德标准，包括监管和商业行为。这包括理解并确保在文字和精神上遵守所有适用的法律、法规、指导方针和集团行为准则。

•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
•    有效协作地识别、升级、减轻和解决风险、行为和合规问题。

Key stakeholders
•    WRB Affluent team

主要利益相关者
•    WRB前线团队

Other Responsibilities
其他职责

Embed Here for good and Group’s brand and values; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats); [List all responsibilities associated with the role]
参与基金投教活动宣讲，并协助基金投教牵头部门确保银行投教相关工作有序开展。

Qualifications

•    Investment Advisor: Bachelor’s degree with 4 - 8 years in Investment Consulting either within a bank, insurance company or independent financial advisory firm 
•    投资顾问：学士学位，在银行、保险公司或独立财务咨询公司从事投资咨询4-8年
•    Senior Investment Advisor: Bachelor’s degree with minimum 10 years in Investment Consulting either within a bank, insurance company or independent financial advisory firm 
•    高级投资顾问：学士学位，在银行、保险公司或独立金融咨询公司从事投资咨询工作至少10年
•    With Onshore Mutual Certification
•    获得国内基金销售资质

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.