Job Description

Job Summary
The role is responsible for:

• To review Regulatory Circulars and Policies pertaining to CMF
• To assist end to end implementation of RBI Circulars and Policies pertaining to CMF
• To review end to end processes of Account Opening, eCDD, Reg reporting, CRC related activities.
• Co-ordination with all relevant stake holders.
• Proper working of Key Control Self-Assessment (KCSA) / Control Standard Test (CST) processes
• Performing relevant credit fulfilment activities including discharge of security documentation, monitoring of collateral values, monitoring of dated credit and security documents, etc. on time and to agreed standards
• Preparation of ASTAR (Account Subject to Additional Review) report
• Daily excess and past due monitoring and reporting
• Discharge of custodial functions as per Group Standards
• Generation of relevant reports and requirements to meet audit and regulatory requests

RESPONSIBILITIES
Strategy
Enablement Standards

• Champion consistent application of Department Operating Instructions (DOIs) and standard work across the Client Management teams
• Support and contribute to a consultative, collaborative, and risk-based approach towards addressing identified risk issues
• Support the development of a local culture of open and transparent engagement with auditors and regulators across the Client Management teams
• Enhance Client Management knowledge and embed risk management, governance, and reporting best practices
• Facilitate a "zero operational loss" and "first time right" culture by servicing as a subject matter expert in areas of responsibility

Business

• Support regulatory and audit requests pertaining to Client Management areas of responsibility
• Maintain good working relationships with the various Business Units, Finance, Risk, Technology, and Operations community
• Undertake ad-hoc duties and when delegated by Line Manager and Country Client Management Head

Processes

• Perform relevant credit fulfilment activities including discharge of security documentation, monitoring of collateral values, monitoring of dated credit and security documents, etc. on time and to agreed standards
• Ensure proper working of Key Control Self-Assessment (KCSA) / Control Standard Test (CST) process- all KCSAs/CSTs must be conducted following the relevant guidelines and completed within the deadlines
• Lodge CST exceptions in EORP system; ensure relevant stakeholders and committees are informed and clear plans of action to address CSTs exceptions are in place
• Ensure CST scores are maintained within thresholds. Ensure rework is closely monitored and controlled. Conduct monthly rework forums to discuss repeat themes and arrive at corrective actions involving Client Management.
• Preparation of ASTAR (Account Subject to Additional Review) report
• Preparation of the Credit Issues Committee (CIC) pack, managing invites and minutes

Key Responsibilities

• Daily excess and past due monitoring and reporting
• Generation of relevant reports and requirements to meet audit and regulatory requests, ensuring submissions are made on a timely basis and the integrity of information used for reporting purposes
• Generate daily, fortnightly, monthly reports as required for Senior Management
• Work with second line functions (e.g. Financial Crime Compliance Assurance teams) to manage second line reviews, queries, and escalations
• Discharge of custodial functions as per Group Standards
• Check and process lodgement / withdrawal in Collateral Management System (CMS)
• Ensure CMS reports are downloaded and actioned based on the laid down process
• Maintain a record of temporary withdrawal security documentation and monitor if status of the security documentation is still outstanding for more than 6 months on a monthly basis
• Discharge of Key Holders Responsibilities as per Group Policies
• Ensure arrangement is made to change combination of the vault keys semi-annually
• Ensure the rolling of vault keys within semi-annual basis and ensure safe keeping of spare keys in Standard Chartered Bank Branch
• Safe keep the security documentation in Fire Proof Vaults and with Cisco
• Scan securing documents in shared drive

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

• Support the development of a compliance culture, undertake compliance monitoring through the Operational Risk Framework, proactively advise management on compliance issues
• Assist in coordinating, facilitating and promoting understanding of operational risk and in implementation and management of OR within the Unit.
• 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
• Ensure all internal policies and procedures are implemented with the group policies, local legal and regularity guidelines

Governance

• Ensure that filing of security documentation / obsolete documentation / all maintenances / instructions on own portfolio are in good manner and easy to retrieve if required
• Ensure that there is effective MIS in place to monitor performance of countries include Key Risk Indicators and that these reports are analysed and actions initiated where necessary

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 the Client Management Team to achieve the outcomes set out in the Bank's Conduct Principles: Financial Crime Compliance; The Right Environment
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
• [Insert local regulator e.g. PRA/FCA prescribed responsibilities and Rationale for allocation].

Key stakeholders
Internal

• Client Management Managers, Specialists, Makers, and Checkers
• Country Client Management Head
• Lending Documentation Unit
• Commodities Transaction Management Unit
• Regional CDD Risk Managers
• Country Operational Risk
• Country Compliance
• Group Internal Audit
• Country Financial Crime and Risk Committee
• Financial Crime Compliance Continuous Assurance
• Early Alert Committee
• Credit Issues Committee
• Country Operational Risk Committee

Other Responsibilities

• Embed Here for good and Group's brand and values in the Client Management Team
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures
• Multiple functions (double hats); where applicable

[List all responsibilities associated with the role]
Skills and Experience
Manage Conduct
Manage Risk
Manage People
Operational
Process Management

• Credit Fulfilment (including custody & collateral management)
• Operational Risk Framework

Data Conversion and Reporting
Managing Regulatory Relationships
Regulatory Reporting and Filing
Regulatory Liaison
Qualifications

• Meticulous with a good eye for detail; able to work quickly and accurately
• A team player with good interpersonal skills
• Ability to work independently and able to cope with pressures from tight deadlines
• Good writing and presenting skills in English
• Proficient in MS Excel

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.

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