RESPONSIBILITIES

Strategy
The Client Onboarding reviewer works in partnership with RM to get the client file to required standards of
SME Banking, will be responsible for assessing the risks of the client, provide assurance to the Business that the client file meets requirements and approve the file. Role comes with additional responsibilities to support the SME Banking network and international proposition.

Business
Business Enabling support to SME Banking Front Office for all Client Onboarding related matters. Main knowledge to support cross border account opening is critical.

Processes
KYC/ CDD Account Opening
•    Manage client approval end to end for the SME Banking files
•    Review New Account Opening Documentation for completeness and validity
•    Review accounts against all set internal standards for Client Due Diligence
•    Check quality of the Source of Wealth if it meets set standards for On-boarding
•    Conduct name screenings, adverse media findings, Sanctions links, Tax red flags
•    Ensure complete and accurate record keeping of all relevant communications
•    Ensure accuracy of data captured in SME system
•    Advise frontline on SME CDD policy and procedures and applicable local regulations
•    Escalate higher risk relationships and reputation risks arising from CDD to SME Compliance
•    Consult with functional experts (i.e. Legal, Compliance, Tax) as needed
•    Contribute to the implementation and controls for daily processes
•    Comply to agreed Turn Around Times for assigned activities as detailed in the Document Operating Instructions and the Service Level Agreements
•    Promote the spirit of continuous improvement by flagging any procedural issues that impact
delivery of responsibilities with suggestions improvements and work around

People & Talent
•    Solid knowledge and understanding of regulatory requirements relating to SME Banking CDD/AML
•    Excellent verbal, presentation and written communication skills
•    People and service oriented. A team player.
•    High level of integrity and professionalism, with High attention to detail
•    Minimum 3+ years of experience in SME banking sector in KYC/AML role

Risk Management
•    Execution responsibility for identifying, assessing, monitoring, controlling, and mitigating financial crime risks, sanctions risks and reputational risks to the Group. Also, an awareness and understanding of the main risks facing the Group and the role the individual plays in managing them.

Governance 
Group Procedures including Group CDD Standards, SME Banking Segment Addendum and Country Addendum as well as guidance and department operating instructions.

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.
•    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders
•    SME Market and Business Heads across the SME network
•    SME Banking Relationship Managers, Team Leaders and Client Services Managers
•    CFCC Advisory team
•    COO, Onboarding, WRB & COO, SME Banking
•    Head, Business Enablement & Strategic Initiatives, SME Banking

Other Responsibilities
Embed Here for good and Group’s brand and values 
Perform other responsibilities assigned
•    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、认同并遵守本地法律法规以及渣打内部政策中关于个人问责和职责的要求；
•    Effectively ensure and intensify internal controls by keeping abreast with developments of applicable local laws and regulations on accountabilities
跟上本地问责法律法规的发展，以有效地确保并强化内控；
•    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  
审慎勤勉地履行岗位职责，以个人或团队成员的身份，为避免任何导致银行遭受或可能遭受法律制裁、监管处罚、重大财务损失或声誉负面影响而做出努力；
•    Be responsible for failure to follow relevant rules and processes, failure to properly perform the responsibilities, and implement corrections
对未遵守相关规范和流程、未适当履行职责以及未执行整改措施承担相应责任；
•    Cooperate with any investigations or reviews on regulatory failure such as accountability review
配合任何关于违反监管规定的调查或审查，例如，问责审查

Qualifications

•    ACAMS or ICA Certification would be preferred

Role Specific Technical Competencies
•    Manage Conduct
•    Manage Risk
•    Manage Stakeholders

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.