Job Summary

•    The Payment Operations Officer is responsible for the accurate, timely and controlled execution of payment, clearing, cash management, supporting-document review and related operational activities.
•    The role may support outward payments, inward payments, supporting-document checking or other payment operations activities, and may perform multiple tasks or rotate across processes from time to time based on operational requirements.
•    The role ensures assigned activities are performed in accordance with applicable regulatory requirements, Bank policies, operational procedures, controls and service standards, while supporting effective risk management, operational resilience and continuous improvement.

Payment Processing & Service Delivery

•    Execute assigned payment, clearing, cash management, supporting document checking and related operational activities accurately and within applicable service standards and turnaround times.
•    Validate transaction instructions, customer information and supporting documents for accuracy, completeness and compliance with approved procedures.
•    Perform applicable customer or signature verification, callback or transaction confirmation, FX-related activities including FX booking, and other payment validations when required under approved procedures and delegated authority.
•    Investigate, resolve and escalate payment exceptions, unsuccessful transactions and processing issues promptly.
•    Deliver consistent performance against applicable quality, productivity and service standards.

Regulatory, Risk & Control

•    Review supporting documents within established procedures to ensure compliance with applicable Vietnam laws and regulations and the Bank’s policies and control requirements.
•    Escalate transactions requiring regulatory interpretation, involving unusual circumstances or falling outside established procedures or delegated authority.
•    Apply applicable operational, financial crime, anti-money laundering, sanctions and foreign-exchange controls across assigned activities.
•    Identify and promptly escalate processing errors, control weaknesses, potential breaches and other operational risks.
•    Maintain complete and accurate transaction records and supporting evidence in accordance with applicable retention and audit requirements.

Reconciliation & Operational Control

•    Perform applicable transaction and account reconciliations at required points in the operating cycle, including start-of-day, intraday and end-of-day, in accordance with assigned processes and approved procedures.
•    Investigate reconciliation breaks, outstanding items and processing discrepancies, ensuring timely follow-up, escalation and resolution.
•    Maintain effective control over outstanding items and supporting evidence through appropriate recording, monitoring and follow-up.
•    Perform applicable billing, pricing and fee-related activities, ensuring relevant bank charges and tariffs are applied accurately.

Systems, Resilience & Continuous Improvement

•    Identify and promptly escalate system incidents and processing disruptions, and work with Technology and relevant support teams to minimise operational and client impact.
•    Support business continuity, operational resilience testing and recovery activities as required.
•    Identify and support opportunities to improve operational efficiency, service quality and control effectiveness, including automation, digitisation and workflow enhancements.
•    Contribute to process reviews, projects and other operational initiatives as required.

Collaboration & Role Accountability

•    Collaborate with Operations, Technology, Risk, Compliance, Service Delivery and other relevant stakeholders to support transaction processing, issue resolution and service delivery.
•    Communicate material operational issues, service impacts and outstanding requirements to relevant stakeholders in a timely and appropriate manner.
•    Support a client-focused service culture while maintaining applicable regulatory, risk and control requirements.
•    This is an individual contributor role with no people-management responsibility.
•    The role holder may be assigned across different payment operations activities or processes based on operational requirements, subject to appropriate training, system access and authority.

Motivations

•    Delivering accurate, timely and controlled outcomes in a high-volume and time-sensitive operational environment.
•    Taking ownership of assigned activities and operational issues through to appropriate resolution.
•    Working collaboratively to resolve issues, strengthen controls and improve service quality.
•    Learning and adapting to changes in payment systems, regulatory requirements, operational procedures and assigned responsibilities.

Skills Required 

•    Governance, Risk, and Compliance (GRC)
•    Settlement Management
•    Operations Management
•    Quality Assurance
•    Regulatory Compliance
•    Cash Management
•    Payment Processing
•    Payment Schedule
•    Service Delivery
•    Data Management
•    Stakeholder Engagement
•    Risk Management

Key Experiences, Qualifications and Languages

•    Experience in banking, financial services, operations or another control-focused environment. Previous exposure to payment operations, transaction banking or cash management is preferred but not mandatory.
•    Strong attention to detail, with the ability to review transaction information and supporting documents, identify discrepancies and escalate matters requiring further review.
•    Ability to manage time-sensitive transactions and changing operational priorities while maintaining accuracy and control standards.
•    Effective problem-solving and communication skills for handling transaction exceptions, operational enquiries and stakeholder interactions.
•    Ability and willingness to learn, adapt and work across different payment operations activities or processes.
•    Business English and Vietnamese.

About Standard Chartered

We're a global bank connecting clients to our differentiated network, offering growth opportunities in the world's most dynamic markets. Our strategy, which combines cross-border capabilities and leading wealth management expertise, helps us deliver our purpose - to drive commerce and prosperity through our unique diversity.

Over our 170-year history, and across a unique geographical footprint connecting Asia, Africa and the Middle East to each other and the world, we've built a bank like no other, with diverse capabilities and partnerships that set us apart.

What We Offer

• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions, and geographies.
• 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 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.

Visit our careers website to learn more about us: www.sc.com/careers.