Junior Relationship Mgr, Priority Banking

Job SummaryManage 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 & salesTo 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.BusinessTo 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 actionsProcessesEngaging and deepening activities1. 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.2. 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 & activate3. 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 referrals1. Act on referral leads assigned within timeline2. To solicit referrals from other sources.3. 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 BranchPeople and TalentProduct broadeningEnhanced multi-product Priority knowledgeMarket and competition knowledgePossess all relevant investment & insurance certifications and licensingClient 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 solutionsJourney completionDiscipline 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 chargesRisk ManagementEnsure 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 ConductDisplay 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.Key stakeholdersAcross all department in banksSkills and ExperienceMicrosoft FIMM License Bancassurance License IPPC License QualificationsHonours degree (CGPA 3.0 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 regulationsAbout Standard CharteredWe'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 doNever settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so wellAre better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long termWhat we offerIn 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 toolkitsA 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.