Standard Chartered

JOB SUMMARY

Scope of Role:

• Take overall responsibilities at the sub-branch including: achieve sales target, develop new customers and maintain customer relationships; operations and compliance management at the sub branch; team management and promotion of team work.

工作范围：

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

Key Responsibilities/Challenges: 

Sales & Services

• Ensure sub-branch staff are well managed to deliver business performance and achieve targets;
• Ensure a distinctive customer experience for target segments is created and enhanced at the sub-branch.
• Coordinate with Management Team to ensure key initiatives are executed properly in respective sub-branch.
• 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 Integrated Distribution to build sustainable business growth of customer base (NTB). 
• Provide regular updates of sub-branch’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.

主要职责：

• 销售与服务
• 有效地管理支行相关运营业务，为客户提供优质的商业服务，并带领团队完成销售目标；
• 维护支行良好的服务声誉，以赢得更多的目标客户；
• 通过与管理团队的合作，使支行有能力对运营的过程中出现的突发事件做出妥善处理；
• 定期评估员工的业绩，提升销售人员的销售业绩，加强与客户沟通，服务的能力；
• 贯彻综合营销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支行的销售，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；
• 从产品及服务质量入手，不断提高客户服务体验以赢得更多的优质客户，避免仅以价格优势为导向的竞争策略。及时、妥善地处理客户投诉；

Governance

• Ensure that all staff in the sub-branch fulfils 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.
• Oversee the proper functioning and management of all systems, operations and premises related matters.
• Drive product and business license related applications involving Compliance in the sub-branch.

监管

• 确保支行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
• 监督并管理支行所有系统、运营以及经营场地等的正常运作
• 推动支行产品和营业执照的申请并确保合规。

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 endeavours by the sub-branch 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 endeavours by the sub-branch 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 in the sub-branch and proper risk controls are in place.
• Enforce policy and procedures in breaches and potential breaches.
• Sign on behalf of the sub-branch agreements, contracts or documents related to sub-branch business compliance with internal policies issued by the Company and SCB
• Ensure effective communications with business units and functions; participate in City MANCO and City BORG; assist city branch manager in managing routines at city branch.
• Other endeavours related to daily business and operations.
• Accountable for implementing and complying with AML requirements when performing duties
• Under the leadership of the City General Manager:
• To manage and coordinate the implementation of AML and fraud risk control measures at sub-branch 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.
• 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.
• To escalate any significant AML and fraud cases to Country MLPO timely for further investigation and loss prevention. To escalate any suspicious transaction to AML Surveillance Team and Country MLPO timely.
• 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.”
• 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.”

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；
• 严格遵守并确保支行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；
• 严格遵守并确保支行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支行得到切实实行；
• 警惕并减少各项对政策和程序的违反以及潜在的违反；
• 在符合渣打集团、总行及本分行的内部政策及规定范围内，代表支行签署与支行业务相关联的文件；
• 确保与分行各业务部门、职能部门的有效沟通，参加分行管理委员会和分行操作风险管理委员会，并协助分行行长管理分行各项事务；
• 其他与支行日常业务、运作有关的事宜;
• 负责实施各项反洗钱的需求并且确保符合反洗钱的合规要求

在分行行长的领导下：

• 管理并协调支行层面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;
• 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;
• 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.
• 明确“案件防控”工作的重要性，防范案件风险，维护本岗位安全稳健运行，落实案防相关法规要求，严格执行本部门的操作流程，确保完成案件防控相关培训，并将案件防控工作融入日常工作中。
• 明确《银行业金融机构消费者权益保护工作指引》的重要性，避免损害客户利益，落实消费者权益保护工作指引关法规要求，确保完成相关培训，并将消费者权益保护工作融入日常工作中。

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.
• Lead to achieve the outcomes set out in the Bank’s Conduct Principles [Act responsibly and within your authority, Use good judgment, Speaking Up, Comply with laws, regulations and Group standards, Fight financial crime, Reject bribery and corruption, Ensure fair outcomes for clients, Manage conflicts of interest, Do not engage in or support insider dealing, Protect confidential information, Compete fairly in the market place, Treat colleagues fairly and with respect, Be open and honest with regulators – give them your full co-operation, Respect our communities and the environment]
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Other Responsibilities

• 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
• 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 
• 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

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. 
• 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；
• 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
• 具有领导才能和人格魅力，能激励团队不断发展。
• Other than above roles, job holder should follow other job duties and responsibilities assigned by line manager from time to time.
• 员工需遵循由其直属经理所指派的除上述工作职责外的其他工作内容和任务。
• Above key responsibilities and selection criteria are the major assessment to assess the staff if qualified during probation and competent after probation. Failing to satisfy any of the aforesaid requirements, or failing to pass the CPBB essential, the employee will be deemed not meeting the recruitment requirement for passing probation, and the Bank is entitled to terminate the employee’s employment contract immediately. For employee who has passed the probation, failing to pass the CPBB essential will be taken as assessment basis for job incompetency. 
• 以上的岗位聘任要求和主要工作职责是用于考核员工试用期是否符合录用条件和工作胜任与否的标准。倘若员工未能满足前述要求，或未能通过培训课程测试的，则该员工将被视为不符合试用期的录用条件，银行有权立即解除与该员工的劳动合同；对于已过试用期的员工，未能通过培训课程测试的，将作为该员工不胜任工作岗位的考核依据。
• Before attend and pass the CPBB essential class, the employee should not perform any kind of business communication / engagement to customers.
• 对于还没有参与并通过培训课程测试的员工, 禁止跟客户有任何业务上的交流。
• Please note that the job description above will be reviewed during the Job Objective setting every year, which may be amended and agreed where necessary by the employee and the line manager. 
• 请注意以上工作范围和职责描述将于每年订立年度工作目标时进行回顾，并由直属经理和员工于必要时进行修订并达成一致。

Role Specific Technical Competencies

• Cash Management Services
• Credit Analysis and Verification
• Small Business Banking
• Customer Experience Management
• Liquidity Management

About Standard Chartered 

We're an international bank, nimble enough to act, big enough for impact. For more than 160 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
• Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

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, parental/maternity (20 weeks), sabbatical (12 weeks 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.
• Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.

Visit our careers website www.sc.com/careers

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