Job Summary

Strategy
•    To create ownership to agreed strategies and individual business goals
•    Carry out deepening activity through all available channels; i.e. Face to face meetings, group presentations, telephone, marketing communications etc
•    Advise Personal Clients approaching Bank with complex inv. Needs
•    Lower number of high-value clients in portfolio compared to Team Leads

Engaging and deepening activities
Methodically engage (remote)
•    Have complete knowledge of the clients in terms of the profile & assets
•    Create analytics-backed next best conversation

Needs /anchor products
•    Individual banking products (Deposits, Wealth Products, Mortgage)

Meet & deep sell (remote & in person)
•    Meet in person to meet advisory needs (once a month/quarter)
•    Connect client with specialists
•    Set up products
•    Conduct/connect for periodic KYC
•    Conduct fulfilment & activate

Needs /anchor products
•    Individual banking products (Deposits, Wealth Products, Mortgage)

Key Responsibilities

Service (remote) 
•    Refer most servicing activities to Client Service Managers 

Needs /anchor products
•    As needed by clients 

Acquiring on referrals 
•    Connect & prepare (remote) 
•    Connect & start up referred leads (includes Personal clients in Branch with more advanced needs)
•    Explain proposition & requirements in full 

Needs/anchor products
•    PL, CASA, Wealth Products 

Meet, deep sell & train (in person) 
•    As above 
•    Meet, listen and determine further needs 
•    Set up anchor products & initiate cross-sell 
•    Conduct/connect for KYC 
•    Educate and conduct initial set up for Mobile/Web, ATMs, Client Centre, and Branch 
•    Conduct fulfilment & activate 

Needs /anchor products 
•    As above 

Business
•    Meet AUM (asset and liability) targets for the team.
•    Meet the Revenue target for the team
•    Grow number of AUM qualified clients as per advised budget
•    Increase wealth penetration as per advised budget
•    Increase in number of transactions within the team
•    Reduction in number of errors in applications submitted

Metrics 
•    Revenue, AUM + Footings 
•    Segment KPIs – growth of AUM qualified clients 
•    Service KPIs – Minimum NPS at 80%, Complaint Management 
•    Risk and Governance – Audit/Review outcomes 
•    People – Attrition management 

Processes 
•    Proven track record of sales activity. 
•    Strong presentation skills. 
•    Positive customer service mentality. 
•    Planning and organizational skills 
•    Relationship building skills 
•    Strong interpersonal skills & communication skills. 
•    Ability to deal with people at all levels. 
•    Sound knowledge of banking products and services and banking procedures. 
•    Team player who shows initiative and assertiveness. 
•    Self-motivator who is keen to upgrade and improve personal knowledge and skill to meet the Job requirement. 
•    Highest level of integrity and professionalism. 

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.
•    Ensure the provision of ongoing training and development of people, and ensure that holders of all critical functions are suitably skilled and qualified for their roles ensuring that they have effective supervision in place to mitigate any risks.
•    Employ, engage and retain high quality people, with succession planning for critical roles.
•    Responsibility to review team structure/capacity plans.
•    Set and monitor job descriptions and objectives for direct reports and provide feedback and rewards in line with their performance against those responsibilities and objectives.

Risk Management
KYC/AML Clause 
Remain alert to the risk of money laundering and assist in the bank’s efforts in combating it by adhering to the key principles in relation to: - 
•    Identifying your customer, knowing your customer, reporting suspicions, safeguarding records and not disclosing suspicions to customers. 
Managing risk and compliance as part of my role 
•    Take personal responsibility for understanding the risk and compliance requirements of my role. Understand and comply with, in letter and spirit, all applicable laws and regulations, including those governing anti-money laundering, terrorist financing and sanctions; the Group’s policies and procedures; and the Group Code of Conduct. Effectively and collaboratively identify, escalate, mitigate and resolve risk and compliance matters. 

Measures and Targets
•    Adherence to laws and regulations, internal risk and compliance policies and the Group Code of Conduct. 
•    Completion of all mandatory risk and compliance training including e-learning within stated timeframes.
•    Proactive identification of risks and concerns, including escalation to all relevant stakeholders.
•    Timely mitigation of risks and resolution of issues including collaboration with all relevant stakeholder functions, and establishment of effective controls.
•    Completion of all mandatory risk and compliance training and acknowledgements by each member of my team within stated timeframes.
•    Demonstration of adherence to the management principles for effective risk and control and the Group’s fair accountability principles.
•    Prompt and decisive action upon detection of risk and compliance weaknesses 

Governance 
•    AML measures must be followed at all times. 
•    All procedures relating to onboarding and mortgage process must be completed. 
•    All CER must be followed at all times. 
•    All eLearning and courses required to keep compliance skills up to the required level must be completed in a timely manner. 
•    Group code of conduct must be followed and adhered to at all times. 

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
Internal 
•    Priority Wealth Specialist 
•    Investment Advisors 
•    Priority Client Service Manager 
•    Priority Senior RM 
•    Priority Mortgage Specialist 
•    KYC/CDD Specialist 

External 
•    NTB/ ETB Priority Clients 
•    Personal/Premium Clients with potential for upgrade to Priority 

Source of Leads 
•    Sales force generated – limited 
•    Analytics generated leads 
•    Sales Campaigns (MGM etc) 
•    Ecosystem referrals 

Skills and Experience

•    Manage Conduct 
•    Manage Risk 
•    Manage People 
•    Stakeholder Management 
•    Affluent Client Relationship Management 
•    Wealth Management 
•    Effective Communication 
•    Regulatory Environment – Financial Services 
•    Addressing Customer Needs 
•    KYC/CDD 

Qualifications

•    Academic or Professional Education/Qualifications, i.e., standards required for roles – B
•    Licenses and Certifications/accreditations, i.e., internal/externally required.
•    Professional Memberships, i.e., required for roles for continuous development/ improvement/awareness of current practices etc – 
•    Bank training, i.e. mandatory & developmental - role specific, and regulatory/compliance bank wide & role specific, - E Learning – Anti Money laundering, Conflict of Interest, Rejecting bribery & Understanding Sanctions     
•    Languages: i.e. those required for roles

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.