Job Summary

• Understand, acknowledge and comply with the requirements on individual accountabilities and 
• responsibilities of the job set out in applicable local laws and regulations as well as SCB internal policies;
  理解、认同并遵守本地法律法规以及渣打内部政策中关于个人问责和职责的要求；
• Effectively ensure and intensify internal controls by keeping abreast with developments of applicable local 
• laws and regulations on accountabilities;
  跟上本地问责法律法规的发展，以有效地确保并强化内控；
• Perform job duties with diligence, contribute to efforts as an individual or as a team member so as to avoid 
  any actual or potential legal sanctions, regulatory penalties, material financial loss, or adverse reputational 
  impact on the Bank;
  审慎勤勉地履行岗位职责，以个人或团队成员的身份，为避免任何导致银行遭受或可能遭受法律制裁、监管处
  罚、重大财务损失或声誉负面影响而做出努力；
• Be responsible for failure to follow relevant rules and processes, failure to properly perform the 
  responsibilities, and implement corrections;
  对未遵守相关规范和流程、未适当履行职责以及未执行整改措施承担相应责任；
• Cooperate with any investigations or reviews on regulatory failure such as accountability review.
  配合任何关于违反监管规定的调查或审查，例如，问责审查。
• Display exemplary conduct and live by the Group’s Values and Code of Conduct. 
  确保个人行为符合集团价值观及员工行为准则。
• 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, inletter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• 在所有渣打银行的工作场所，自我负责确保个人行为符合最高道德标准，符合监管及商业准则要求。
• Lead the SME TSO Team to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes 
  for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.
  领导中小企业财资销售团队以达到银行对行为准则的最高要求：满足对客户的公平结果；高效的金融市场环
  境；金融犯罪合规；合理公平的环境。
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
  有效识别，上报，减轻，解决和风险，行为守则，合规相关的事项。

Key Responsibilities

Processes
• Ensure proper handling of customer deals and execution.
确保客户交易得到合适且有效的执行。

Risk Management
• Accountable for implementing and complying with AML requirements when performing duties.
在履行职责时执行和遵守反洗钱要求。
• Comply with the respective Money Laundering Prevention Procedures and be alert at all times to 
unusual or possibly suspicious customer activity and should report any suspicious activity to AML 
Surveillance Team and line manager as well as directly to the Country MLPO in urgent or exceptional 
circumstances.
遵守预防洗钱的规定，随时警惕异常或可疑的客户活动，并应向反洗钱监督小组和直线经理报告任何
可疑活动，在紧急或特殊情况下应直接向国家反洗钱办公室报告。
• Mitigation of risks and resolution of issues in a timely manner including developing suitable controls 
and measuring their effectiveness.
制定适当的风险控制措施并衡量其有效性，缓解风险，解决问题。
• Proactive identification and reporting of risks and concerns.
主动识别和报告风险问题
• Adherence to laws and regulations, internal risk and compliance policies (including anti-money 
laundry, sanction, anti-bribery & corruption and relevant FCC risks) and the Group Code of Conduct. 
Accountable for implementing and complying with AML requirements when performing duties. 
Comply with the respective Money Laundering Prevention Procedures and be alert at all times to 
unusual or possibly suspicious customer activity, and should report any suspicious activity to AML 
Surveillance Team and line manager as well as directly to the Country MLPO in urgent or exceptional 
circumstances. 
遵守本地法律法规以及渣打内部政策关于反洗钱，制裁，贿赂腐败，金融犯罪的要求。遵守员工行为
操守。负责对一切不正常，可疑交易，可疑的洗钱风险，可疑的行为进行上报。
• Fully understand the importance of consumer rights protection, prevent damage to consumer’s best 
interest, implement regulatory requirements related to consumer rights protection, ensure to complete 
relevant trainings and to always embed consumer rights protection mindset when performing daily 
work. 
理解，认同消费者权益保护，防范损害消费者权益的行为。实施监管要求的保护消费者权益的相关措
施，确保完成相关培训，并持续以保护消费者权益为己任来进行日常工作。
• Fully understand the importance of fraud prevention, prevent fraud risks, maintain safe and steady 
operation of the position, implement regulatory requirements of fraud prevention, strictly execute 
DOIs of the department, ensure to complete relevant trainings and embed fraud prevention in daily 
work.
理解，认同反欺诈的重要性，防范欺诈风险，维持日常业务操作的安稳执行。实施对反欺诈的监管要
求，严格按照部门操作手册来执行相关业务操作，确保完成相关的培训，把对反欺诈的要求嵌入到日
常工作当中。

Governance
• Adherence to laws and regulations, internal risk and compliance policies (including anti-money 
laundry, sanction, anti-bribery & corruption and relevant FCC risks) and the Group Code of Conduct.
遵守法律法规、内部风险和合规政策（包括反洗钱、制裁、反贿赂和腐败以及相关的 FCC 风险）和集
团行为准则。
• Timely completion of all mandatory risk and compliance training, including e-learning by the set 
deadlines.
及时完成所有风险和合规强制性培训，包括在规定的截止日期前进行 e-learning 课程。
• Fully comply with all the regulatory requirements related to Consumer Rights Protection, uphold the 
robust mindset of Consumer Rights Protection, complete the Consumer Rights Protection themed 
training and workshop in due course, prevent the potential infringements of consumer rights, 
participate the public education, EV or other activities to uplift the public awareness about Consumer 
Rights Protection
充分遵守与消费者权益保护相关的所有监管要求，秉持坚定的消费者权益保护理念，确保完成所有消
费者权益保护的相关培训及研讨会，防范潜在损害消费者权益的行为，积极参与公众教育，志愿者活
动及其他活动，以提高公众对消费者权益保护的认识。
• Fully understand the importance of fraud prevention, prevent fraud risks, maintain safe and steady 
operation of the position, implement regulatory requirements of fraud prevention, strictly execute 
DOIs of the department, ensure to complete relevant trainings and embed fraud prevention in daily 
work.
充分认识防欺诈的重要性，防范欺诈风险，维护岗位安全稳定运行，落实防欺诈监管要求，严格执行
部门管理文件，确保完成相关培训，将防欺诈融入日常工作。
• Properly perform the duties on management and ensure the effectiveness of internal control
正确履行管理职责，并确保内控的效率。
• Be responsible for regulatory failure or risks arising from or in connection of the event over which the 
employee has the duties of management and/or leadership
对负有管理和/或领导责任的事项引起或相关的违反监管规定事件或风险，承担相应责任。
• Be responsible for significant losses due to failure of effectiveness of internal control
为内控失效造成的重大损失负责。

Key stakeholders
• SME Coverage Team
SME 中小企业业务团队
• Wealth Solution Team
财富管理团队
• CMS, Payment Ops Team
后台资金操作，付款操作团队
• FM Operation Team
金融市场产品操作团队
Other Responsibilities
 
Embed Here for good and Group’s brand and values in [China / WRB WS CMPS / SME TS]; Perform other 
responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple 
functions (double hats); [List all responsibilities associated with the role]

Regulatory & Business Conduct
• Display exemplary conduct and live by the Group’s Values and Code of Conduct. 
以身作则，践行集团的价值观和行为准则。
• 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.
负责将最高道德标准，包括外部监管和内部行为准则，融入渣打银行的各个层面。包括在书面及实质
上理解并确保业务及团队遵守所有适用的法律，法规，指导方针及集团行为准则。
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance 
matters.
有效识别，上报，减轻和解决风险，行为准则，和合规的问题。
• Lead the [CMPS SME business] to achieve the outcomes set out in the Bank’s Conduct Principles: 
[Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right 
Environment.] *
引领CMPS 业务以实现银行行为准则中设定的目标，如，公平待客，打造高效金融市场，遵守金融犯
罪相关规定，营造合适的金融环境。
• [Related regulatory authorities in China – PBOC, NFRA, SAFE].
国内相关监管部门- PBOC, NFRA, SAFE.

Strategy

• Provide CMPS product coverage for WRB SME clients (incl. ME clients).
为渣打 SME 中小企业(包括中型企业) 提供 CMPS 的产品及服务。
• Deliver treasury revenue target through active marketing and sales of Treasury products to clients. 
通过积极营销活动，服务客户以完成既定销售目标。
• Increase Treasury product penetration rate for SME segment and clients. 
提升 CMPS 财资产品(含外汇及结构性存款产品)的客户渗透率，提升 CMPS 财资产品在 SME 中小企
业部门的利润比重。
• Comply with all applicable Bank’s internal policies and external laws and regulation.
严格遵守所有银行内部规章流程，及外部监管法规要求。
Business
• Provide CMPS FX & Structured Deposit sales coverage to SME segment and clients (incl. ME 
clients).
为渣打 SME 中小企业团队以及 SME 客户(包括中型客户) 提供 CMPS 产品（含外汇 FX 及结构性存款
SD）的销售支持。
• Achieve individual revenue budget.
达成个人及团队业绩目标。
• Execute FX hedging deals and SD deals for SME clients.
为 SME 中小企业客户执行外汇远期及其他套期保值交易，以及结构性存款 SD 产品的交易。
• Generate new product ideas and identify new market opportunities. 
识别新的市场机会及促成新的产品创意。
• Maintain high level of professionalism when conducting consultations, profiling customers and 
structuring transaction of deals based on client requirements.
保持高专业度，识别目标客户画像，为客户外汇需求提供咨询，定制交易方案等服务。
• Maintain close working relationship with stakeholders and client in client product related issues.
和渣打其他相关部门的同事，和外部中小企业客户保持密切合作关系，共同解决客户或和 CMPS 产品
相关的问题。
• Provide product training/market update to stakeholders and assist in marketing activities.
为渣打其他相关部门同事提供包括产品培训，外汇市场信息更新等支持，协助营销活动的开展。
• Timely response to client inquiry and complain. 
及时回应客户的问询及投诉。

Skills and Experience

MICROSOFT EXCEL 
MICROSOFT POWERPOINT 
MICROSOFT WORD 
CAPITAL MARKETS PRODUCTS SKILLS

Qualifications

EDUCATION University graduate 8+ years of working experience in banking or 
related financial institutions. Deep understanding of hedging 
derivative, structured products pricing, familiar with financial 
markets solution, job holder with dealing experience, MBA
certification is preferred
TRAINING
LICENSES
MEMBERSHIP
CERTIFICATIONS Job holder with CFA, FRM, CPA certification is plus
LANGUAGES Excellent written and spoken English and Mandarin.

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.