Specialist, Client Delivery Maker

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  Location

  (BANGLADESH) and Dhaka

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  Job Reference

  20859

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  Functional Area/Experience

  Business, Accounting & Finance / Fresh Graduate

Job Description & Qualifications

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

Summary

• Conducting Due diligence (CDD) for corporate clients, as part of the business-wide Anti-Money Laundering (AML) Compliance remediation process
• Analyzing accounts and client information according to prescribed internal control policies and procedures
• Identifying and produce information required to satisfy the Bank’s KYC due diligence policies and processes
• Executing and reviewing negative media alerts from client screening and escalate where necessary
• Packaging client due diligence research and documentation for review by Relationship Managers
• Bespoke arrangements for high-risk clients
• Provide suggestion to streamline and innovate processes to improve client efficiency

Responsibilities

Strategy

Targeted Improvements

• Act as a service partner, work together with 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 IMO Model and adherence to 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

• Responsible to protect the Bank’s interest by ensuring that documentation is complete & effective, whilst  assisting the RMs in their efforts to maximize revenue
• Deliver excellent service and advice to our Corporate (Corporate & Institutional Banking) & Commercial Banking clients in all interactions for their channel activation pre-transactional enquiries/setup, trainings and other Client Management-related issues
• Maintain a good working relationship with the various Business Units, Finance, Risk, Technology and Operations community
• Identify common error patterns and provide feedback to the value chain
• Provide insight and suggestions to improving processes, identifying opportunities to streamline and rationalization of checks performed
• Ownership of regulatory and audit requests pertaining to KYC areas of responsibility 
• Undertake ad-hoc duties and when delegated by Line Manager and Country Head of Client Management

Processes 

• Client Due Diligence (CDD) and Regulatory Onboarding
• Perform checks, ensuring that CDD and Regulatory Onboarding (e.g. FATCA, CRS) output (for both new onboarding and periodic reviews of existing customers) from Client Delivery Makers and Specialists (as required) adhere to policies, procedures, and country regulatory guidelines
• Escalate or enforce compliance requirements, and follow any other relevant internal controls and procedures as they relate to process, products, policies and regulations
• Troubleshoot difficult cases with the relevant stakeholders.  Proactively identify potential issues/ concerns and escalate to management for attention/ support.
• Proactive support in management of audit and regulatory inquiries. Work with team and stakeholders to deliver relevant requirements within stipulated timelines.
• Strictly adhere to regulatory requirements, country addendum requirements and proactive assistance in efficient preparation of audit reviews. 
• Manage in-country or other remediation as required to ensure gaps in capability, process or data/docs are brought up to a best-in-class standard over time. 
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.

​​​​​​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, in particular, report any suspicious activity to the Operational Risk and Line Manager
• Ensure all activities are done in line with the laid down Departmental Operating Instructions (DOI) / Roles & Responsibilities and other procedures that are rolled out from time to time.
• 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
• Assist in coordinating, facilitating and promoting understanding of operational risk and in implementation and management of OR within the Unit.
• Ensure all the internal policies and procedures are implemented within the group policies, local, legal and regulatory guidelines.

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
• Assist Team Leader in maintaining the MIS to monitor performance of country including Key Risk Indicators and help to analyse these reports and proceed with the actions initiated/recommended. 
• 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 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
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders

• Country Client Management Head
• Client Delivery Managers, Specialists, Makers, and other Checkers
• Client Management Group Team
• Lending Documentation Unit
• Control Governance Managers & Specialists
• GBO Hub teams and In-country CET teams
• Front Office (RMs, CMs, CCMs)
• Regional CDD Risk Managers
• Country Operational Risk 
• Country Compliance
• Group Internal Audit
• Country Financial Crime and Risk Committee 
• Non-Financial Risk Committee
• Financial Crime Compliance Continuous Assurance
• Early Alert Committee
• Credit Issues Committee 
• Country Operational Risk Committee
• CLDM Governance
• Client Documentation and Control
• Country Chief Risk Officer 

Qualifications

• 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

Competencies

• Spot Opportunities    
• Solve Problems
• Take the Lead    
• Build Resilience    
• Collaborate    
• Communicate    
• Deliver Sustainably    
• Achieve Results

Technical competencies  

• Manage Conduct    
• Manage Risk    
• Operational    
• Process Management 
• Onboarding (CDD and Regulatory Onboarding)
• Credit Documentation
• Enablement (Account Opening & Channels Activation)    
• Operational Risk Framework 

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.