Job Summary

Take overall responsibilities at FX RM Team including: achieve sales target, develop new customers and maintain customer relationships; operations and compliance management; team management and promotion of team work.

工作范围：

全面管理FX RM Team各项工作，包括：完成销售目标，开发新客户，维护客户关系；各项运营及合规管理；团队管理，促进团队合作。

Key Responsibilities

General
•    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;
•    Effectively ensure and intensify internal controls by keeping abreast with developments of applicable local laws and regulations on accountabilities;
•    erform 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;
•    Be responsible for failure to follow relevant rules and processes, failure to properly perform the responsibilities, and implement corrections;
•    Cooperate with any investigations or reviews on regulatory failure such as accountability review;
•    Properly perform the duties on management and ensure the effectiveness of internal control;
•    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;
•    Be responsible for significant losses due to failure of effectiveness of internal control.

主要职责：

总则

•    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；
•    跟上本地问责法律法规的发展，以有效地确保并强化内控；
•    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；
•    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；
•    配合任何关于违反监管规定的调查或审查，例如，问责审查;
•    正确履行管理职责，并确保内控的效率；
•    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;
•    为内控失效造成的重大损失负责。

Sales & Services 
•    Ensure FX RM Team are well managed to deliver business performance and achieve targets;
•    Ensure a distinctive customer experience for target segments is created and enhanced;
•    Coordinate with Management Team to ensure key initiatives are executed properly in FX RM Team;
•    Facilitate the enhancement of sales & services skills of all sales staff by performing regular performance tracking of individual staff.
•    Drive the customer acquisition strategy of Client Relationships to build sustainable business growth of customer base (NTB). 
•    Provide regular updates of FX RM Team’s overall sales and service performance and key initiatives/events to management;
•    Focus on deepening relationships with the high value customers;
•    Reduce overall cost and shift cost and investment from non-value-added activities to benefit customers;
•    Outperform competitors by delivering superior customer benefits while avoiding price-based competition;
•    Ensure timeliness and handle customer’s complaint properly;
•    Fully embrace SCB Way and ensure implementation in the sub-branch.

销售与服务
•    有效地管理FX RM 团队相关运营业务，为客户提供优质的商业服务，并带领团队完成销售目标；
•    维护团队良好的服务声誉，以赢得更多的目标客户；
•    通过与管理团队的合作，使团队有能力对运营的过程中出现的突发事件做出妥善处理；
•    定期评估员工业绩，提升销售人员的销售业绩，加强与客户沟通，服务的能力；
•    贯彻客户关系部客户获取战略来实现新客户持续增长；
•    向管理部门定期更新团队的销售，客户服务记录及重大事件；
•    维护并深化与有极大影响及发展潜力的客户的关系；
•    采用快速发展计划的建议，以降低成本，并将资金投入到有利于客户的项目；
•    为高级客户提供更大的盈利空间，在战胜竞争对手，赢得客户的同时避免以价格为基础的竞争；
•    及时、妥善地处理客户投诉；
•    确保银行的工作方式在团队的贯彻和实施。

Governance
•    Ensure that all staff in the FX RM Team fulfills compliance requirements stipulated by Group and local regulators, and that all audits and inspections (internal and external) are concluded with satisfactory results;
•    Mitigate all potential operational risks.

监管
•    确保团队所有员工认真履行银行和地方的要求并且通过内部和外部的各项审计和检查；
•    降低所有潜在运行风险。

Operations & Compliance Management
•    Actively build and develop banking business based on economic development policies of the country and credit policies of the bank;
•    Strictly follow and ensure endeavors by FX RM Team members comply with PRC laws and regulations and with current and forthcoming regulations, ordinances and provisions issued by CBRC and other regulatory authorities;
•    Strictly follow and ensure endeavors by FX RM Team members comply with current and forthcoming internal rules and with the code of conduct issued by the Company and SCB Group;
•    Must comply with their 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;
•    Ensure team awareness of all relevant regulations and internal Risk & Compliance policies and procedures; ensure all Regulatory, Group Policies are adhered to and proper risk controls are in place;
•    Enforce policy and procedures in breaches and potential breaches;
•    Ensure effective communications with business units and functions;
•    Under the leadership of the City General Manager: to manage and coordinate the implementation of AML and fraud risk control measures at team level as required,  ensuring that these control measures will be put in place and operated in an effective manner and that staff’s awareness on AML and fraud will be enhanced through regular trainings.
•    Under the leadership of the City General Manager: to support and provide assistance in any AML and fraud prevention related program, staff training or any other AML and fraud prevention related activities that may be required.
•    Under the leadership of the City General Manager: to escalate and report any significant AML issues and fraud incidents to senior management including the Head, FCR/Country MLPO for investigation, mitigation and resolution, and to report AML suspicious transactions in the first instance to relevant business MLPO and Country MLPO.

运营及合规管理

•    依据国家的经济发展政策和银行的信贷制度积极开发和发展银行业务；
•    严格遵守并确保团队成员行为符合中华人民共和国法律法规、中国银行业监督管理委员会和其他监管机关现行和随时颁布的法规及其他条例、规定的要求；
•    严格遵守并确保团队成员行为符合本公司及渣打集团现行和随时颁布的内部规定行为守则；
•    遵循反洗黑钱条例的相关措施，对反常和可疑的客户操作时刻保持警觉，并将任何可疑活动向反洗钱办公室，直线经理报告，在紧急情况下，可直接向中国反洗钱总监进行报告；
•    确保团队成员了解所有相关法规、银行内部风险和合规政策及各项程序，确保所有的规章制度、集团政策和风险管理在团队得到切实实行；
•    警惕并减少各项对政策和程序的违反以及潜在的违反； 
•    确保与分行各业务部门、职能部门的有效沟通
•    在分行行长的领导下管理并协调团队反洗钱及诈骗风险控制措施的执行，确保这些控制措施实
•    施到位并运作有效，通过定期培训的方式强化员工的反洗钱意识;
•    在分行行长的领导下管理支持并协助反洗钱及防止诈骗相关项目、员工培训或任何其他可能需要的反洗钱及防止诈骗的相关活动;
•    在分行行长的领导下管理向高级管理层包括中国反洗钱总监报告重大的反洗钱及诈骗案件以寻求即时调查及解决方案以减轻损失，可疑洗钱交易需第一时间向相关业务反洗钱专员和中国反洗钱总监报告

Skills and Experience

•    Financial & analytical skills
•    Leadership skills
•    Marketing skills

Qualifications

•    Familiar with and abiding by the Chinese laws, regulations and rules;
•    Having the professional ethics, morality, integrity, reputation, a good compliance record and no record of misconduct;
•    Having a university or higher educational background, having the professional knowledge, working experience and management capabilities required by his or her post; 
•    Having the professional qualification/ licenses required by his or her post, including but not limited to Qualification Certificate for Insurance Salespersons, LMF(local/China Mutual Fund)
•    Have over four years of working experience in financial activities or over six years of working experience in relevant economic activities (including over two years of working experience in financial activities);
•    Having the independence required by his or her post;
•    Solid years of related banking experiences with at least several years in managerial role;
•    Strategic thinking with an entrepreneurial mindset to start and expand a business;
•    Excellent relationship building skills to anchor customer and government officials as well as regulators at the senior level;
•    Good familiarity with bank operational procedures;
•    Strong marketing skills and a thorough knowledge of financial products and services. Sound knowledge of equities markets, unit trusts and other personal investment services;
•    Excellent communications, presentation and negotiation skills;
•    Excellent leadership qualities to motivate the team

职位要求：
•    熟悉并遵守中国法律、法规和各种条例；
•    拥有专业的伦理、道德、诚信、信誉以及良好的合规记录并且无不当行为记录；
•    具有大学本科或以上教育背景，具有职位所需的专业知识，相关工作经验和管理能力；
•    具有职位所要求的专业资格/证书，包括但不限于保险销售从业人员资格证书、国内基金证书
•    拥有四年以上金融领域工作经验或六年以上相关经济领域工作经验（包括两年以上金融领域工作经验）；
•    具有职位所需要的独立工作能力；
•    有多年银行工作经验，有相关管理经验者优先；
•    灵活激变的思考分析能力，帮助银行拓展相关业务；
•    良好的人际交流和沟通水平，有能力开发和维护与客户、政府官员及高层管理的关系；
•    熟悉银行的运营流程；
•    良好的市场分析能力，熟悉银行金融产品、金融服务、证券市场、个人信贷及其他个人投资业务知识；
•    具有良好的人际沟通技巧及应变能力；

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.