Key Responsibilities

Processes 

• To do all the day to day processing and review input of all Securing Documentation received as per limit terms into CMS with “0” tolerance for any errors.
• To monitor the incoming documents as per limit terms for input into CMS.
• To ensure compliance of all internal procedures, operational controls and regulatory requirements.
• To assist other processing officers in case of need, to ensure nil processing backlogs.
• To provide a high-level quality support and advice RM’s in the business units on all documentation related matters.
• To follow-up resolution of security documentation deficiencies with customers through RM.
• To ensure smooth running of CRC-CDU so as to carry out work to the high standard the Unit requires.
• To maintain an independent control over securing documentation.
• To ensure all securing documentation and conditions mentioned in BCA part1 have been perfected or waived prior to issuance of Security Compliance Certificates (SCC), Partial Security Compliance Certificates (PSCC) with ‘0’ tolerance for errors.
• To ensure that the documents are in line with the deferral approval and that the deferral authority is in accordance to the Approval Matrix under the Credit Documentation Policy, prior to releasing the Document Deferral Note with ‘0’ tolerance for errors.
• To manage the relationship between CRC-CDU and business unit as well as other members within CRC.
• To adhere to the Bank’s Policies, DOIs and process etc.
• To check the final facility letters and securing documentation prepared on the Bank’s standard format with information for fees etc., from RM as per the Legal Guidelines and Stamp Duty Opinion provided by the Legal. 
• To second check all credit related documentation and ensure all securing documentation and conditions mentioned in BCA Part 1 have been perfected or waived prior to issuance of Security Compliance Certificates (SCC), Partial Security Compliance Certificates (PSCC) with ‘0’ tolerance for errors.

Job Summary

• To ensure that the documents are in line with the deferral approval and that the deferral authority is in accordance to the Approval Matrix under the Credit Documentation Policy, prior to releasing the Document Deferral Note with ‘0’ tolerance for errors.
• To follow-up on security blemishes and the perfection of security and provide monthly report to RM.
• To release security, including re-assignment of mortgaged property, as per the authority under POA.
• Ensure renewal of insurance policies covering fixed assets and /or securing documents.
• Ensure that all lodgements and withdrawals of securing documents in CMS and all other CMS activities are correct and upto date.
• Ensure all data/information on CMS is accurate & RMs gets the correct report/information from the system.
• To Supervise and provide training to subordinates in accordance with gaps identified in Training Record.
• To ensure adherence to service level agreements.
• Ensure that SCC’s are issued within the agreed timeframes to comply with SLA’s and immediately advise the Head CRC-CDU, India.
• All key risk indicators are duly addressed and resolved and operational risk areas are appropriately dealt with.
• To ensure that all charges are duly registered with ROC.
• To obtain and check search reports on ROC’s records to verify existence of prior charges and the Bank’ charges are registered.
• To supervise daily office routine and ensure the smooth running of CRC-CDU at all times.
• Ensure all control procedure prescribed for control of scanning /faxes/couriers is adhered to.
• Ensure all suspense balances in CRC-CDU are investigated and reconciled.
• Ensure services provided by CRC-CDU are delivered in accordance with agreed service quality standards. Monitor performance against standards and provide feedback to the Head CRC-CDU. Handle customer complaints and queries when escalated.
• Ensure to have frequent Service Review Meetings with RM’s to assess the unit’s performance.

• Ensure monthly submission of MIS to the Group for monitoring of TAT is timely and accurate.
• The job holder must assist the Head – CRC-CDU to ensure appropriate internal controls and procedures are duly documented and adhered to. The job holder must monitor the operation of such procedures and controls and regularly review them to ensure they reflect any changes in products, systems, policy or regulations. 
• Ensure that periodic review of procedures are undertaken to ensure key controls are checked, as required by the DOI, Procedures laid down from time to time.
• Ensure cost control measures in place & cost is maintained at minimum required levels.
• Ensure all data/information on CMS is accurate & RMs gets the correct report/information from the system.
• To undertake the “business monitoring and testing” (ie. checking the KCS records, reviewing the transactions etc) and reporting findings, exceptions and results from such monitoring / testing activities. (For KCS & Optial users / checkers)
• The job holder must ensure he/ she is fully aware of all the policies and procedures issued in relation to money laundering prevention. He /she must ensure compliance with these policies and procedures on an ongoing basis. Any suspicious transaction must immediately be reported to the supervising officer. 
• To Supervise and provide training to subordinates in accordance with gaps identified in Training Record.
• Any Ad-hoc responsibilities given by Head CRC-CDU, India.
• Identify and escalate loose rivets to the Head CRC-CDU.
• To prepare MIS required by internal & external stake-holders. 
• To report Unit’s OR issues and losses to UORM.
• To assist Unit Head in Regulatory filings. 
• Uphold the Values of the Standard Chartered Group and the company at all times. Compliance with all applicable Rules/Regulations of the Group and company at all times.
• To ensure timely and accurate submission of Early Alert Report to SCO, RM and EAC Secretariat, as per the Roles and Responsibilities defined for CRC-CDU.
• To ensure proper custody of securing documents held in the Fire Proof Vault and ensure proper control of keys that protect ca the securing documents, as per Group Security Procedures.

• Lodgment, Withdrawal, iCDMS updation and safe custody of securing documentation as per DOI
• Ensure all documents received vide scan are reconciled with the originals upon receipt and I-balling done with the issued / scan images.
• To co-ordinate with Client & internal teams to open Current Account at GIFT City. 
• To co-ordinate with internal teams to open IDs in Transaction Processing systems. 
• Ensure and adhere to roles and responsibilities of BCP Coordinator / Backup Coordinator / Fire Marshall (primary/backup) / First Aider (primary/backup) and ensure timely updation of the BCPP Plan and the Business Impact Analysis (BIA) Plan in e-bcp portal as may be applicable.

Business

• Support relevant stakeholders by managing and closing cases 
• Provide relevant feedback
• Provide relevant feedback on process notes and DOIs
• Provide required MIS and data to assist in any reporting as may be required to the respective team leads

People and Talent 

• Provide leadership to analysts and lead respective teams
• Engage with teams to ensure process streamlining 
• Provide mentorship to new joinees to ensure team dynamics is maintained.
• Promote and embed a culture of openness, trust and risk awareness, where ethical, legal, regulatory and policy compliant conduct is the norm.
• Stimulate an environment where forward planning, prioritisation, deadline management and streamlined workflows and collaborative, inclusive yet effective and efficient work practices are the norm.
• Collaborate with training teams to input to training curriculum to support closing of capability gaps.

Risk Management 

• Make recommendations (and/or implement) to relevant stakeholders on possible risk management responses to identified risks and/or findings of concerns from investigations.
• Inform the respective team leads of any events which may have potential regulatory breaches (or where risk tolerances have been breached) and ensure that actions are taken quickly to remediate and/or activities are ceased.

Governance 

• Propose control improvements, enhancements and simplifications where appropriate.
• Support all control checks under the Operational Risk Framework (ORF) and provide related MI for the same
• Periodic reporting and timely escalation of significant risks and issues and Assurance activities and assist with related MI to achieve the same
• Be accountable for identification and escalation of potential risks and issues to the team leads for further escalation through appropriate governance channels and the Quality Assurance framework.
• Assist in tracking and remediation of surveillance and investigations related regulatory findings.
• Prepare and cascade lessons learned from audit findings and specific investigations and assist with building training material for enhancing team learning
• Collate, analyse and interpret data in reports as required for relevant governance/risk committees.
• Analyse and interpret data to produce reports that help the bank identify and manage emerging areas of risk / vulnerability and assist in remediation as required

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.
• To achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients; Effective Operation of Financial Markets; Financial Crime Prevention; The Right Environment.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Project/change management

• Manage and protect business as usual (BAU) capability during change programmes, as well as during the execution and delivery of the Remediation initiatives through project phase and into BAU.
• Provide subject matter expert advice, guidance and support to the project managers on managing change.
• Review new business requirements and provide solutions where required.
• Conduct and assist with impact assessment for such change

Strategy

• Ensure that there is adequate support (people, processes, tools, frameworks, systems) in the respective team.

Key stakeholders

Internal

• WB Credit
• WB OCC
• GSSC
• WB Operations
• Legal & Compliance
• IT
• Finance
• CRC

External

• Statutory / External Auditors
• Lawyers

Other Responsibilities

• Achievement of maximum productivity of the team
• Achievement of the overall productivity goals set by the division.
• Reviews by Managers 
• Monthly key risk indicators
• LRM Review & Group Audit reports.
• Complaint occurrences and resolution timelines.

Skills and Experience

• Compliance Technical Competencies
• Compliance Policies and Standards 
• Compliance Advisory
• Documentation
• Compliance Risk Assessment
• Regulatory Liaison
• Manage Change
• Manage Projects
   

Qualifications

3 to 8 years of relevant work experience in Loan documentation, KYC, Credit monitoring and Account opening related areas. 

• Analysis skills:  able to analyze data, working knowledge of Internet and MS Office Suite & independently assimilate, analyse and evaluate information from disperse data sources to determine a course of action (e.g. case closure or escalation), and record and communicate this decision clearly and concisely.
• Banking: knowledge in terms of customers, products and transactions
• Banking operations experience (Client Due Diligence, payments, trade, markets or other) and service-oriented attitude.
• Excellent communication in English (articulation and writing)

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.