Job Summary

The main responsibility is the management of the Bank’s liquidity profile, ensuring that it remains within stipulated risk tolerances. The job is to raise and deploy liquidity to ensure that the Bank in a position to meet all its obligations at all times (intra-day and inter-day): to meet all regulatory requirements: to diversify the funding base in a prudent manner: to pre-empt times of surplus and tight liquidity and to produce a curve reflective of the Bank’s marginal cost of liquidity.

Key Responsibilities

Strategy
•    Be responsible for day-to day management of the balance sheet.
•    Manage the liquidity whilst maintaining regulatory: stress and prudent liquidity requirements
•    Operate with Treasury Markets’(TM’s) liquidity and credit limits
•    Produce daily yield curves for the Bank’s marginal cost of funding in local and major foreign currencies, fixed and floating, for fund transfer from or to the rest of the Bank.

Business
•    Meet all funding and deposit taking requirements whilst maintaining regulatory ratios, stress and prudent liquidity requirements:
•    Access the money markets as required; either with other banks directly or through interdealer broker; raising and placing liquidity to ensure liquidity limits are adhered to whilst maximising economic value to the Bank
•    Participate in local central bank operations and facilities as required. 

Reporting
•    Provide reports and insights to LM and HOTM on the Balance Sheet, e.g. balance sheet movements, track changes in liquidity profiles, monitor Trading desk funding profiles etc.
•    Updates static data for sales & purchases of securities (based on BTS trades/ Opic) and hedges (based on murex trades)
•    Maintain and update TM’s data repository e.g. LPs committed for loans, premiums paid on deposits, FTP/ITP adjustments on late and large flows, historical ITPs, stat. costs etc.
•    Perform calculations for LM with regards to maturity profiles, regulatory ratios etc. 
•    Work with PC on determining and updating hedge capacity, and hedge documentation
•    Engage country Finance and ALCO support to provide Balance Sheet projections, prepare the ALCO pack slides for LM / HOTM and provide any other reports as required.
•    Calculate and report funding available for IM and LM
•    Reconciliation of hedges to underlying securities / loans/ depos 

P&L Tracking
•    Track P&L and engage Treasury-Markets PC to investigate any P&L anomalies
•    Help LM and IM to project P&L outlook

Rates upload
•    Work closely with the LM to distribute the daily ITP/FTP rates to relevant parties (the ITP/FTP rates will be set daily by LM / HOTM)

Pricing balance sheet and FM desks (within agreed thresholds of the board rate (deposits and loans) for up to 1 year)
•    Agree with LM / HOTM on the threshold that Treasury-Markets analytics can price internal loans and deposits
•    Respond to queries (via email and phone) from internal stakeholders for pricing loans and deposits beyond rate sheet thresholds, break funding costs, ITP levels (as per rate sheet) and quoting currencies outside of rate sheet
•    Refer deals beyond the agreed threshold to LM for pricing
•    Also quote Trading desks for funding

Deal input
•    Input deals as authorized by HOTM / RHOTM
•    Assist IM and LM in keying deals into BTS and Razor as part of the daily LM/IM daily input requirement
•    Input deals as per trades determined by IM/LM. IM/LM have overall responsibility for all trades input into systems and the impact on cash flows, risk metrics etc. Treasury-Markets Analytics needs to assume responsibility for accurately inputting the deals
•    Follow on manual adjustments with PC and Finance, as appropriate

Operation Risk Review
•    Review KCSA’s for Treasury-Markets

Monitor GMR and credit limits
•    MCO, Wholesale Borrowing, Stress test, MTF and swapped funds guideline as detailed in the GMR limits. Flag any potential liquidity limit issues to the LM / HOTM for further action
•    Flag any potential credit limit issues to the LM / IM / HOTM for further action

Back-up to Treasury-Markets Dealers
•    Provide back-up to LM /IM/ commensurate with the level of seniority as necessitated by resourcing issues (e.g. Block Leave, Sick Leave etc) with the appropriate and approved delegated authority from the respective Country Treasury-Markets and GM.

Processes
•    Treasury Markets business and risk management processes are defined and governed in various risk, governance, and control committees

People & Talent
•    Lead through example and build the appropriate culture and values. Work in collaboration with risk and control partners

Risk Management
•    Custody and management of TM’s RWA limit, ensuring adherence to the target set. Responsible for forecasting RWA usage and input into the setting of the limit, after obtaining the relevant balance sheet information from all parties.
•    Manage the Group’s balance sheet and liquidity to within agreed limits. Ensure that a robust liquidity position is maintained, and that any surplus liquidity is deployed prudently in line with the Bank’s objectives
•    Provide robust oversight in MCO, Wholesale Borrowing, LCR, Survival Horizon and swapped funding guideline, as detailed in the GMR limits. 
•    Flag any potential liquidity limit issues in advance. 
•    Flag any potential credit limit issues to HOTM in advance.
•    To request for temporary and permanent limits to Treasury Liquidity, Market Risk and Credit, where appropriate

Governance
•    Money Laundering Prevention
•    Ensure money laundering prevention requirements and procedures are communicated and clarified to Treasury Markets staff.
•    Ensure the procedure of suspicious transactions monitoring within Treasury Markets is communicated
•    Report any issues related to money laundering prevention arising within the unit to Business MLPO
•    Vet and assist in the investigation of suspicious transaction reports originating from unit staff
•    Communicate with Relationship Manager (RM) on money laundering requirements and suspicious transactions
•    Understand and adhere to Group and Business policies, procedures, standards and codes, including those governing all Risk types, Compliance, Technology and Operations, Finance and Reputation

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
•    Treasury-Markets Malaysia
•    Country Finance Malaysia
•    ALCO Support
•    Product Control /Business Finance
•    GMR MY
•    Operations and IT
•    SORO and UORM

External
•    Regulators (for reporting)
•    External Market players (for back-up)

Other Responsibilities
•    To act diligently as a KLIBOR Benchmark Rate submitter in accordance with the defined principles of the Bank, including Financial Markets – Survey Benchmark Submissions Compliance Manual, as well as those set out by the local governing association PPKM and Bank Negara Malaysia.

Skills and Experience

Priority Skills    
•    Liquidity Management
•    Financial Products and Markets
•    Governance, Regulation and Risk Management - Risk and Control

Other Skills    
•    Governance, Regulation and Risk Management – Regulatory Compliance
•    Knowledge of the Organization
•    Effective Communications
•    Financial Analysis

Motivations

•    Motivated by protecting customer and organisational data through practical, proportionate and sustainable privacy solutions.
•    Energised by solving complex risk and control challenges with stakeholders from different business, legal, compliance and technology disciplines.
•    Thrives in environments that value sound judgement, continuous improvement, collaboration and personal accountability.

Qualifications

•    Experience operating within banking, treasury, financial markets or balance sheet management environments with exposure to liquidity and funding considerations. 
•    Exposure to regulatory liquidity frameworks, risk monitoring processes and governance requirements within a financial institution. 
•    Experience interpreting complex financial data, forecasting future funding requirements and identifying emerging risk trends. 
•    Exposure to cross-functional stakeholder engagement involving Treasury, Finance, Risk, Product Control or business management teams. 
•    Experience working in environments where financial decisions are influenced by market conditions, regulatory requirements and balance sheet optimisation objectives. 
•    Business English (Language Required).

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.