Job Summary

The position emphasizes responsibilities pertaining to Know Your Customer (KYC) protocols and may also encompass duties specific to particular business areas. This primarily involves: Providing KYC-related guidance and processes, including monitoring the SCB AG client portfolio to ensure compliance with regulatory requirements and expectations. Managing Customer Due Diligence (CDD) approval processes and exemption requests. Assisting in the maintenance and development of CDD policies, standards, and Documentation of Information (DOIs). Offering advice on trade finance products, associated risks, and CDD inquiries specific to these products. Counseling on and implementing CBR-related CDD measures. 

Key Responsibilities

- Analyze the impact of financial crime regulations on business operations.
- Communicate key changes in laws in Germany.
- Coordinate with group communications for trade finance.
- Resolve conflicts between regulations, such as AML and data privacy.
- Aid stakeholders in decision-making based on current and future policies.
- Advise on regulatory expectations and best practices for FCC.
- Support investigation and reporting of suspicious activities per regulations and SCB AG policies.
- Ensure governance over FCC policies in Germany.
- Provide internal training.
- Assist in local FCC Risk Assessments and compliance with AML/Sanctions/ABC regulations.
- Manage outsourcing for FCC processes and approve CDD exemptions.
- Guide team members and promote a culture of collaboration and risk awareness.
- Collaborate with training teams to close capability gaps.
- Understand systems related to CDD and apply relevant policies to manage risks.
- Recommend risk management responses and assess risks in transactions.
- Analyze significant financial crime risks and identify indicators affecting SCB and clients.
- Conduct root cause analyses on failures and advise on risk management frameworks.
- Monitor compliance with German financial crime regulations and support project delivery while protecting BAU capabilities.

Skills and Experience

• Experience with local regulatory environment — focus on financial crime regulations
• Experience with of general Financial Crime Compliance (fraud / sanctions / anti money laundering/ ABC) or Compliance environment
• Experience in Financial Crime Risk / Financial Crime Intelligence
• Excellent analytical and report-writing skills
• Excellent communication and inter-personal skills
• Able to work independently in an international environment

Qualifications

• Graduate or Postgraduate in business or law
• English and German skills are essential 
• Additionally, certifications such as CCP or CAMS are necessary.

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.