JOB SUMMARY

The role is responsible for:

• Responsible for proactively managing the client's Know Your Client (KYC) profile across client journeys to ensure the highest level of client service and relationship health
• Own and drive execution of processes, working closely with stakeholders and the value chain to deliver excellent client service, getting clients to the point of ready-to-transact as quickly as possible, across both simple and complex cases.
• Supports the Business on the client portfolio to ensure strong client delivery execution
• Ensure alignment between Corporate & Investment Banking (CIB) business and Client Management with regular engagement regarding business priorities, issues, and address any gaps
• Drive continuous improvement of the operational efficiency and effectiveness of processes to increase the consistency of systems and processes
   

RESPONSIBILITIES

Strategy

Targeted Improvements

• Act as a service partner, work together with Relationship Managers (RMs), Product Sales, Operations and other key internal stakeholders to solve client channel issues and identify opportunities to improve overall service for the clients
• Ensure uniform approach towards implementation of Global Integrated Middle Office (IMO) Model and adherence to Department Operating Instructions (DOIs)
• Deliver excellent service against agreed service standards, delivery standards, and minimal error rates as appropriate

Automation and Streamlining

• Drive continuous improvement of the operational efficiency and effectiveness of processes to increase the consistency of systems and processes

Business

• Provide quality support and advice to Relationship Managers (RM’s) within all lending units on all documentation related matters, including the origination of documentation for customers where required 
• To deliver excellent service and advice to our Corporate, Commercial & Institutional Banking (“CCIB”) Banking and Business Banking (“BB”) clients in all interactions for their channel activation pre-transactional enquiries/setup, trainings and other channel related issues

Processes
General

• Perform end-to-end orchestration across all processes and services managed by Integrated Middle Office (IMO)
• Engage clients throughout process, ensuring seamless delivery and client experience

• Own and drive execution of processes, working closely with stakeholders and the value chain to deliver excellent client service, getting clients to the point of ready-to-transact as quickly as possible, across both simple and complex cases.
• Adheres to first-time-right principles
• Provide insight and suggestions to improving processes, identifying opportunities to streamline and automate. Looks at ways to promote standard work and best practices.
• Undertake ad-hoc duties and when delegated by Line Manager and Country Head of IMO

Client Due Diligence (CDD) and Regulatory Onboarding

• Perform all relevant onboarding processes
• Creation of CDD for New Clients & Review of CDD for Existing Clients and perform regulatory onboarding (e.g. Foreign Account Tax Compliance Account, Common Reporting Standard) activities
• Drive GIC and network onboarding processes
• Conduct checks on CDD as applicable
• Respond and clear queries from Checkers / Other Specialists / Business Country Risk Management (CRM) on a timely manner
• Work in partnership with all relevant stakeholders effectively within the end-to-end CDD process
• Where serving as a checker, perform checks on CDD output from Client Delivery Makers, ensuring they adhere to policies and standard work
• Escalate or enforce compliance requirements, and follow any other relevant internal controls and procedures as they relate to process, products, policies and regulations

Credit Documentation

• Perform credit documentation activities for the deals flowing from CCIB and BB
• Conduct checks on Credit Documentation output as applicable
• Ensure that the data sources used for the extraction of the return is correct
• Identify processing risks or inefficiencies and implement appropriate and effective changes

Enablement [Account Opening and Channels]

• Perform relevant account opening activities, working closely with the relevant onshore and Hub teams to deliver fast set-up of all relevant systems
• Deliver excellent service and advice to our CCIB and BB clients in all interactions for their Straight2Bank channel activation pre-transactional enquiries/setup, training, and other channel related issues
• Accept and arrange processing of various channels (Straight2Bank) and related products and services setup requests for CCIB and BB clients; including internal setups e.g. for Client Access, Transaction Banking (TB) implementation testing setups, various internal operations unit’s setups relevant to channels activation
• Conduct checks on activities, documentation, and output (by other specialists or makers) within the account opening and channels activation processes as applicable
• Escalate or enforce compliance requirements, and follow any other relevant internal controls and procedures as they relate to process, products, policies and regulations

Servicing [Static Data Maintenance (SDM), Offboarding]

• Perform relevant static data maintenance and offboarding activities including raising of SDM and offboarding requests in the system

People & Talent 

• Provide effective orientation /guidance to new joiners on the bank’s policies/procedures/processes to ensure their successful assimilation into the team and the bank 
• Develop and implement a personal learning plan with team manager, to attain necessary competencies.
• Successfully complete milestones as laid out in implemented personal learning plan

Risk Management

• Awareness and understanding of the regulatory framework in which the Group operates, and the regulatory requirements and expectations relevant to the role remit
• Comply with applicable Money Laundering Prevention Procedures and report any suspicious activity to the operational risk team and Line Manager
• Ensure a clear and uniform approach towards implementation of the global operating model for all IMO-related processes, and adherence to DOIs
• Report any deviation (if any) to appropriate authorities and obtain proper dispensations
• Proactively manage risks and establish/monitor controls to improve the overall state of the risk management and operating framework

Governance 

• Ensure strong due diligence on document safekeeping and data confidentiality
• Ensure correctness of documentation prior to any dispensation from the Bank
• Ensure compliance with the internal policies and credit policies, external policies, regulatory and statutory requirements
• Undertake periodic self-assessment on key controls to assess the proper functioning and adequacy of existing controls
• Highlight significant issues/errors to team leader

Regulatory & Business Conduct 

• Display exemplary conduct and live by the Group’s Valued Behaviours and Code of Conduct. 
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Achieve the outcomes set out in the Bank’s Conduct Principles: Financial Crime Prevention; The Right Environment. 
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters. 

Key Stakeholders

Internal

• Country IMO Head, Client Delivery Managers and other Specialists, Makers and Checkers
• IMO Enablement Managers and Specialists
• GBO Hub teams and In-country CET teams
• Account Opening Teams
• Front Office (RMs, CMs, CCMs)
• Lending Documentation Unit
• Commodities Transaction Management Unit
• Business CRM
• Business Operational Risk Manager
• Transaction Banking (Trade, Security Services, and Cash Management) Implementation Managers
• Client Documentation and Control
• Credit Documentation CoE

Other Responsibilities

• Embedding Here for good and the Group’s brand and valued behaviours in the Integrated Middle Office team
• Performing other responsibilities assigned under Group, Country, Business or Functional policies and procedures

Qualification

• Strong ability to positively influence stakeholders across value chain to both orchestrate and execute on processes and deliver exceptional client service and experience
• Ability to positively engage and build rapport with clients
• Strong writing and presenting skills in English
• Problem solver; looks for solutions and finds ways to progress despite blockages
• Strong drive to deliver
• Has a clear understanding of the client needs being serviced
• Ability to work independently without direct supervision and able to cope with pressures from tight deadlines
• A team player with good interpersonal skills

Role Specific Technical Competencies

• Manage Conduct
• Manage Risk
• Manage People
• Operational
• Process Management
• Onboarding (CDD and Regulatory Onboarding)
• Credit Documentation
• Enablement (Account Opening & Channels Activation)
• Servicing (Static Data Maintenance, Offboarding)
• Data Conversion and Reporting

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.