Role Responsibilities Manage 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 metResponsibilities In 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 & sales To proactively acquire portfolio AUM of Priority Clients besides Personal clients.Engaging & deepening Affluent & 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 clientsActively 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 reportedNo unsatisfactory compliance reviews and audits on the conduct of CST and record keepingNo 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 & assetsCreate analytics-backed next best conversationSound knowledge in Needs/Anchor products such as : Wealth & Mortgage, CASA, CC & 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 & 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 & initiate cross-sellConduct/connect CDDEducate and conduct initial set-up for online, ATMs, Client Centre and Branch People & TalentProduct broadening Enhanced multi-product Priority knowledgeMarket and competition knowledgePossess all relevant investment & insurance certifications and licensing Client engagement Presentation and soft skills tailored to engaging Affluent ClientsInternal stakeholder engagement skillsClosing dealsAbility to drive and manage client interactionGood communication & presentation skillsNegotiation and objection handlingClient training on digital solutions Journey completion Discipline and good time management to handle a client portfolioAbility to solve problems and close issues without handing overStrong analytical abilityUnderstanding of Priority CDD principlesInterpersonal and complaint handling skillsBank's product knowledgeUnderstanding of policies and proceduresABM rules / Bank Negara FEA regulationsBranch 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 & Business Conduct Display exemplary conduct and live by the . 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 team 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. Key stakeholders Across all department in banks Our Ideal Candidate Honours degree (CGPA or better) and / or relevant professional qualifications.Possess all relevant investment & insurance certifications and licensing.More than 5 years' 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 skillsBank's product knowledgeUnderstanding of policies and proceduresABM rules / Bank Negara FEA regulations Role Specific Technical Competencies MicrosoftFIMM LicenseBancassurance LicenseIPPC License
