Key Responsibilities

Strategy
•    To execute and deliver towards the growth of Business Banking business in line with Group’s strategies. 

Business
       Sales and Portfolio Management
•    Manage an existing portfolio of non-lending clients. Build and expand existing relationships through pro-active contact, account planning, wallet sizing and deepening activities.
•    Able to work independently to generate new businesses and new client acquisition.
•    Market and sell broad range of products including (but not limited to) cash management, treasury, employee banking and trade services.
•    Identify and prioritize activities to maximize revenue contribution from allocated client portfolio.
•    Work effectively across geographic borders to build new relationships and deepen existing relationships with global clients.
•    Completion and review of Account Plans for portfolio under management. 
•    Maintain a high level of professionalism in client engagement, internal stakeholder management and other business conduct.

Compliance and effective management of operation-related responsibilities
•    Work closely with due diligence team to ensure all relevant policies and procedures are followed.
•    Manage timely completion of all compliance related reviews, queries, sanctions questionnaires, RRRC submissions and similar, liaising with the client as necessary. 
•    Assist clients whenever there are operations-related queries. Problem solve for clients as necessary. 
Processes
•    Support the framework for effective management of operational risks across the Business and compliance with applicable internal policies, and external laws and regulations at a global level.
•    Support the execution of Business strategy in a safe and well-controlled manner and on an end-to-end basis – incorporating infrastructure requirements and ensuring fit-for-growth.
•    Ensure internal / external CDD requirements are adhered to.
•    This role encompasses the processes under the ORF namely; Client Due Diligence, On-boarding and Account Management, Static Data Monitoring, Offshore Booking, Client Offboarding and Complaints Handling.

People & Talent
•    Embed the Group’s values and culture.
•    Independent and self-starter.
•    Work closely with other peers and internal stakeholders to deliver effective client solutions.

Risk Management
•    Abide by appropriate frameworks to guarantee that business is carried out within the Group’s risk appetite and relevant risks are appropriately managed in conjunction with line managers other stakeholders.
•    Ensure compliance with the highest standards of regulatory conduct and compliance standards and practices as defined by internal and external requirements. This includes compliance with regulations and guidelines on Sanctions, Anti-Money Laundering (AML), and Environmental and Social Risk Management (ESRM).
•    Abide by the Group’s values and code of conduct and foster a robust culture to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees.
•    Ensure that Risk Management matters that are brought to attention are subject to direct remedial action and/or ensure adequate reporting to the relevant superiors and/or Risk Committees.
•    Do what is right in order to avoid reputational risks and operational losses.

Governance
•    Ensure relevant systems and controls pertaining to the role remit are in compliance with Group and Business policies, procedures, standards and codes, including those governing all Risk types, Compliance, Operational Risk, Technology and Operations, Finance and Reputation
•    Ensure adherence with the following Regulatory Compliance policies and processes (as is applicable): 
•    Anti-Money Laundering (AML) and all applicable money laundering prevention procedures
•    Client Due Diligence & Related Periodic Reviews
•    Client Suitability Standards
•    Treating Customers Fairly
•    Approval & review of Credit Applications
•    Maintain Documentary standards
•    Data Confidentiality
•    Cross-Border Policy 
•    Sanctions 
•    Environmental and Social Risk Management (ESRM)
•    Anti-Bribery and Corruption (ABC)
•    Embed the Group’s values and code of conduct to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees form part of the culture
•    Engage with all audit report findings and ensure feedback is acted upon.

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.
•    Ensure compliance to the Group Sanctions Procedures 
•    Ensure adherence to all the local regulations (i.e., Bank Negara Malaysia), guidelines and policies.

Key stakeholders
•    Internal – CDD Ops, ITO, Operational Risk, GIA, Legal, Compliance, CMPS/WM and TB product partners
•    External - Clients and strategic partners.

Other Responsibilities
•    Embed Here for good and the Group’s brand and values
•    Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures
•    Work effectively across SCB, using values behaviours to drive overall business growth.

Skills and Experience

•    Account Management
•    Addressing Customer Needs
•    Anti-money Laundering Policies and Procedures
•    Bank Account Features and Services
•    Cash Management Services
•    Small Business Banking

Qualifications

•    Relevant undergraduate degree, ideally with minimum of 3 years relevant experience in Banking or Financial Services industry.
•    Ability to read and write in English. Ability to speak other local languages will be an advantage.
•    Good understanding of Companies Act and basic understanding of Cash Management and Trade Products.
•    Able to work under broad direction but is a self-motivated individual who can demonstrate strong sense of initiative with the ability to work independently. 
•    Possess effective interpersonal communication, emotional intelligence, and collaboration skills.
•    Results-oriented, target driven and able to work under stress.
•    Establish sufficient experience in balancing between sales target and prioritising compliance and regulatory framework.
•    This role requires extensive travelling.

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.