Job Summary

Business Heads are the owners of all risks in the first line of defence. Accordingly on ERMF management, the business heads, with the support from Business Risk Managers(BRM) conducting quality assurance, monitoring, sample testing, escalating and other control activities, are responsible to conduct business in a balanced approach on risk control and business growth. The purpose of BRM is to assist business heads and Risk Control Owners (RCOs) to effectively manage operational risk within the first line of defence. The BRM must ensure that business implements and maintains operational risk controls in accordance with Risk Management Framework, Group Operational Risk Policies and Procedures. The BRM places particular emphasis on:

•    Assist business line managers to ensure operational risk/return and control cost/benefit decisions prior to product launch and during business life cycles are made transparently and based on assessment in accordance with the Group’s standards and its Risk Appetite
•    Assist business line managers to implement effective risk management process of risk identification, assessment and measurement, acceptance and monitoring to reduce gross operational risk exposure to acceptable levels within the risk appetite
•    Assist business line managers and 2nd line operational risk team to influence the development of an operational risk culture which is forward looking, risk based and customer focus
•    Identify, assess, monitor, escalate and report operational risks from respective business scope to both business line managers and 2nd line operational risk team in a timely manner.

Strategy

Business and Processes
Execute due diligence and exoneration investigations for WRB lending business, including SME, Mortgage & P-loan cases. 

• Conduct end-to-end risk assessments across pre-loan, in-loan, and post-loan stages to ensure compliance, risk control, and adherence to regulatory standards for exoneration. 
• Safeguard the bank’s asset quality by identifying accountability gaps and mitigating operational risks.  
• Verify whether relationship managers (RMs) comply with KYC procedures.
• Audit loan application documents for completeness and consistency, ensuring no material omissions or misrepresentations.  
• Evaluate post-disbursement management, covering Ongoing business performance tracking, early warning triggers.  
• Evaluate repayment behavior monitoring, delinquency recovery processes, fund usage verify, borrower creditworthiness reviews.  
• Assess loan classification accuracy, ensuring non-performing loan (NPL) identification meets exoneration criteria.  
   

Key Responsibilities

Quality Assurance: to make sure the quality assurance of risk controls in all units across all processes in the corresponding business area. Independence toward control management: to conduct independent and effective sample testing, monitoring, and investigation on frontline sales force and all related processes with control measures in order to provide feedback to the business head and control functions in timely manner.

• Execute CST/KCIs timely and accurately, Checker for quality Assurance for CST/KCIs
• Identify non-standard processes from CST 
• Review business process to compliant with internal DOI and external regulatory requirement. 
• Design & validate control process
• Governance documents per risk analysis preparation 
• Proactive Risk Detection on non-CST approach

•    Competency and Effectiveness: to be fully competent in control measure skills and methodology in conducting sample testing, quality checking, and monitoring; to be effective in identifying control process gaps, timely escalation of identified issues or risks, and effective actions to mitigate within the accepted timeframe.
•    Ensure 1st Line risk ownership: to assist business heads or managers truly own all risks in their business areas.

• Ensure business to complete internal & external audit actions by deadline 
• Timely escalate and response all risk related incidents and queries
• System input for ops loss and risk items
• Support business to evaluate and identify risk to prepare MCA
• Provide extend quality assurance support to business
• Review investigation Report

•    Monitoring and escalation: To be responsible for monitoring all processes in the corresponding area and escalate any issues and risks to the corresponding control function area and business heads.
•    Accountable for implementing and complying with AML requirements when performing duties

People & Talent
•    Support a change in mindset, building a culture of client centricity, agility, and accountability through standardised metrics and measurement, ensuring everyone in Operations are drivers and owners of client outcomes.
Ensure the provision of on-going training/development and has effective supervision in place to mitigate any risk.
 

Skills and Experience

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
Mandatory Regulatory Handling Responsibilities
• Understand, acknowledge, and comply with the requirements as set by all applicable regulators.
• Ensure to 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.
• Ensure to timely handling the various regulatory requirements under appropriate permission, e.g. report, survey, consulting paper, research paper, inspection, regulator queries regarding regulatory submission (if any), etc
Customer Right Protection
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

Qualifications

• Proficient in both Chinese and English
• Education: Bachler and above

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.