Job Details
Ipoh, Perak, Malaysia
Standard Chartered Bank
18.04.2024
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Full Job Description
Role Responsibilities Job RoleManage the PB Client portfolio to
maximize new business opportunities and deepen existing relationships,
while providing quality in service delivery in an efficient operation
where risks are well controlled. Ensure that robust sales process,
stringent service standards in compliance with local regulatory
requirements are metKey ResponsibilitiesIn consultation with the BM /
STM, draw up monthly plans for achieving new business and customer
acquisition goals committed. To foster and deepen client relationship
by providing regular market information updates and trend analysis on
international equities, unit trust, bonds and other investment
instruments and follow up calls / visits to assist them in their
investment decisions.To conduct regular checks on market trends and
competitors' programme offering and activities. This is to assist /
initiate efforts to increase product differentiation and enhance
attractiveness of programme.To plan, target and cross-sell integrated
business financial services to Priority clients who are self-employed
professionals and businessmen. StrategyIn / outbound ETB advice and
Sales To proactively acquire portfolio AUM of Priority Clients besides
Personal clients.Engaging and deepening Affluent and hidden Affluent
in advisory conversations with analytics support and collaboration
with Wealth Specialists.Meeting clients when required (at least once a
month).Prepare and educate clients to interacting via online, Client
Centre NTB referrals from clients.Actively acquire and activate new
Affluent / potential Affluent clients referred from ETB clients
directly to Relationship Manager, Priority Banking.Provide advice to
Personal Clients approaching Bank with complex investment needs.
Business To achieve agreed revenue and new sales targets.Agreed
service standards to customers.100% Operation control under operation
risks guidelines and sales compliance.To cascade and live the
values.To undertake special projects / assignments.Non compliance and
control weaknesses inherent in the selected samples are detected and
duly reported.No unsatisfactory compliance reviews and audits on the
conduct of CST and record keeping.No overdue Control Sample Testing
(CST).Maintaining robust controls and monitoring actions.
ProcessesEngaging and Deepening Activities Proactively engaging with
the PB Clients by having complete knowledge of the clients in terms of
the profile and assetscreate analytics-backed next best
conversationsound knowledge in Needs / Anchor products such as :
Wealth and Mortgage, CASA, CC and etc. To acquire from individual
client referrals and actively engaging them during the first 3 months
by meeting the client in person to discuss on advisory needs (once a
month / quarter)connect client with specialistsset up products
holdingconduct / connect for periodic CDDconduct fulfilment and
activate Supporting the client on any client-initiated needs by
Proactively reaching out to client for advice discussionsDelivering on
transactions, service requests, mobile / online trainingUpdating
CDDManaging Client's credit situationRefer most servicing activities
to Client Servicing Managers (as and when request by clients)To
recommend improvements in operational processes, procedures and
products based on customer feedback to ensure constant enhancement of
service levels and efficiency.To comply with all applicable money
laundering prevention procedures and, in particular report any
suspicious activity to the Unit Money Laundering Prevention Officer
and line manager. Acquiring on Referrals Act on referral leads
assigned within timelineTo solicit referrals from other sources.To
conduct a professional, consultative financial analysis and profiling
session with Priority clients by Meeting, listening and determining
further needsSetting up anchor products and initiate cross-sellConduct
/ connect CDD.Educate and conduct initial set-up for online, ATMs,
Client Centre and Branch. People and TalentProduct Broadening Enhanced
multi-product Priority knowledge.Market and competition
knowledge.Possess all relevant investment and insurance certifications
and licensing. Client Engagement Presentation and soft skills tailored
to engaging Affluent Clients.Internal stakeholder engagement
skills.Ability to drive and manage client interaction.Good
communication and presentation skills.Negotiation and objection
handling.Client training on digital solutions.Closing deals. Journey
Completion Discipline and good time management to handle a client
portfolio.Ability to solve problems and close issues without handing
over.Strong analytical ability.Understanding of Priority CDD
principles.Interpersonal and complaint handling skills.Bank's product
knowledge.Understanding of policies and procedures.ABM rules / Bank
Negara FEA regulations.Branch Operations Manual (WEBOM) / MIC / group
circulars / bank policy and tariff of charges. Risk Management Ensure
compliance with Group Policy and Standards, local laws and
regulations, controls and procedures of the Bank and regulatory
requirements pertaining to Money Laundering and CDD. Participate in
and/or support the Bank's effort in combating money-laundering
activities.Exercise due care and diligence on matters related to Money
Laundering and CDD in the day to day operations, which include account
opening and reviews, transaction monitoring, reporting suspicions,
customer communication, implementing new requirements, updating and
revising operating procedures, acquire relevant knowledge and
training, provide support to superior and subordinates.
GovernanceCompliance and Money Laundering Responsibilities Ensure
compliance with Group's standards and regulatory requirements
pertaining to Money Laundering and CDD.Participate and support the
Bank's effort in combating money-laundering activities.Exercise due
care and diligence on matters related to Money Laundering and CDD in
the day to day operations, which include account opening and reviews,
transaction monitoring, suspicions activity reporting during client
communication. Regulatory and 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.Lead 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).Effectively and collaboratively identify, escalate,
mitigate and resolve risk, conduct and compliance matters.Exercise
authorities delegated by the Board of Directors and act in accordance
with Articles of Association. Key Stakeholders Across all department
in banks Our Ideal Candidate Honours degree (CGPA or better) and / or
relevant professional qualifications.Possess all relevant investment
and insurance certifications and licensing.More than 5 years of
experience in banking with demonstrable knowledge of banking practices
and financial products.Favourable track record in managing sales and /
or operations or demonstrated ability to achieve strong sales
performance.Ability to coach, inspire and mobilise Branch team members
of various levels to deliver exceptional performance.Demonstrated
ability to establish a service culture.Interpersonal and complaint
handling skills.Understanding of policies and procedures.ABM rules /
Bank Negara FEA regulations.Bank's product knowledge. Role Specific
Technical Competencies MicrosoftFIMM LicenseBancassurance LicenseIPPC
License