JOB SUMMARY

Core activities in Liabilities Operations include reviewing account opening documents, setting up for account opening, making account amendments as per client requests,  subscribing and unsubscribing products as per client request, activities related to signature, processing debit/credit card related issuance activities, making changes in product level attributes, posting entries in the bank's core banking system and many more.

Key Responsibilities:

•    Review documents for Current Account Saving Account for Wealth and Retail Banking (WRB)
•    Setup relationship, master, and subsidiary accounts.
•    Perform static amendments against client request.
•    Subscribe/Unsubscribe e-Statement and Online Banking.
•    Signature capture/amend/delete.
•    Open relationship for credit card only customers, Safe deposit locker authority holder, account authority holder, co-borrower, guarantor, and related parties.
•    Open subsidiary for loan related accounts  and create Sweep and link accounts as applicable.
•    To process Liability and Asset related Service Requests of WRB Liability such as- Amendments, KYC update, Dormant/Unclaimed reactivation, Account updates, Signature update, confirmation letter issuance etc.
•    To process Debit Card and handle Cheque Book Issuance.
•    Run spool file for credit card, travel card and online card.
•    Physical stock management of deliverables – Debit Card, Cheque Book.
•    Process for account attribute change (interest code, product code etc. as applicable)
•    Transaction posting of debit and credit entries in core banking system
•    To process a/c closure, Fixed or term deposit execution, standing order set up or amendment deletion.
•    CASBA related all activities to process of block creation, deletion, processing manual or transaction posting, payment initiation, tax calculation, reporting submission and external communication to issue manager or authorised third party, payment processing to issue manager online application.

•    Tax Deducted at Source(TDS) reconciliation and submission to Inland Revenue Depaerment.
•    Honouring/executing the client instruments received via various online channels DS lite, eOps, Online banking etc. 
•    Make follow up for discrepancies documents and tracker of deferral documents.
•    Update MIS in relationship or subsidiary level as applicable for various reporting purpose.
•    Keep MIS of the department such as volume, inventory etc. 
•    Prepare customer’s communication such as letters, SMS as applicable.
•    To maintain all required controls and procedures.
•    To ensure that the established service standards are met. 
•    To provide administrative support to RM’s/Frontliners on CASA booking.
•    Handle internal and external customer inquiries / complaints independently and confidently.
•    Carry out daily, weekly, and monthly reporting. 
•    Living the value behaviour all the time.
•    Adhere to local and group regulations/policies, and group code of conduct.

RESPONSIBILITIES

a.    Ensure that processing capabilities are geared up to achieve accuracy as per the service level standards and strive to exceed the standards focusing on superior service.
b.    Ensure that the personnel of the unit are adhering to the procedures set in the operating manuals in order to achieve optimum efficiency in the conduct of their jobs. Handle exceptions from the norms and initiate corrective and 
•    Inhouse Service Standards

c.    Ensure that all queries related to routine activities are responded to within the time frames pre specified.
d.    Keep Supervisors and Head Liability advised of the exceptional occurrences, to enable appropriate action.
e.    Ensure that all laid down procedures, central bank regulation and key control standards are adequately followed.
f.    Keep respective Supervisor and Head Liability advised of the regular operations of the unit.
g.    Ensure timely understanding and compliance with all the applicable regulations of the bank, group and country including money laundering prevention and Client Due Diligence.
h.    Embed a customer service culture through the departments out serve initiatives and participation in countries out serve initiatives.
i.    Carry out any special tasks or projects that may be required from time to time as assigned by Checkers of Liability Operations, following all the necessary regulations and guidelines.

People & Talent
•    Lead through example and build the appropriate culture and values.  Set appropriate tone and expectations from their team and work in collaboration with risk and control partners

Risk Management
•    Execution responsibility for identifying, assessing, monitoring, controlling, and mitigating financial crime risk, sanctions risk 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
•    Ensure the relevant processes are followed as per Group and Local requirement. 

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.
•    Lead the Liability Operation team to achieve the outcomes set out in the Bank’s Conduct Principles 
•    Effectively and collaboratively identify, escalate, mitigate, and resolve risk, conduct and compliance matters.

Key Stakeholders
•    Branch Managers, Branch Staffs, Relationship Managers, CCC, CE, Technology, Compliance, etc.

Qualifications

Key requirements:
•    Ability to prioritise, escalate and sharing. 
•    Ability to spot emerging risks, in particular forward-looking industry trends. 
•    Ability to engage with Relationship Managers, Clients and Management alike can challenge in a constructive manner. 
•    Ability to work in partnership with stakeholders to ‘get things done’, fulfilling the Job Purpose.

Qualification, Knowledge, and Skills 

•   Must have Bachelors Degree in relevant discipline
•    Strong communication skills 
•    Excellent attention to detail 
•    Able to manage a diverse workload, balancing priorities and meeting firm pre-agreed deadlines. 
•    Collaborative working 
•    A proactive and flexible approach to problem-solving

Experience & Skills:

•    Clear knowledge of internal operating procedures of Liability Operations.
•    In-depth knowledge of banking applications is an advantage.
•    Very good knowledge of Group’s Anti Money Laundering Policy of the Bank.
•    Good team players with good communication, interpersonal skills, and problem-solving skills.
•    Very good knowledge of Central Bank regulations.

•    Able to work under pressure, tight deadlines, and stressful environment. 
•    Ability to work with nil or bare minimum supervision.
•    Well organized, able to multi-task and balance competing demands.
•    Prior experience in leading a multi-cultural team in a Global organisation.
•    Familiar with latest CDD procedure of individual client and business client, local KYC procedures and unified directive.
•    Knowledge of retail products
•    Able to hold credible dialogue at all levels of the organisation, as well as with clients.
•    Proven capacity to work on own initiative and with little or no supervision.
•    Experience of identifying and making suggestions for improvements to systems.
•    Experience of working with IT and accounting systems.
•    Advanced Microsoft Excel skill.
•    Moderate Microsoft Word and PowerPoint skills
•    Knowledge of financial services industry desirable.
    Resilience

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.