Globally, we are a leading international banking group, with a presence in 59 of the world’s most dynamic markets and serving clients in a further 85. Our purpose is to drive commerce and prosperity through our unique diversity, and our heritage and values are expressed in our brand promise, here for good.
TB Sales
Responsible for Cash & Trade business for Financial Institutions, with a concentration on the PayTech client segment. Actively identify client needs across full set of SCB product capabilities, originate new business and grow the franchise by capitalising on bank competitive attributes (network) and developing new relationships where required.
Requirements:
- To execute and manage the strategy for selling solutions across all Transaction Banking products to a portfolio of Financial Institutions, with a concentration on the Payment Technology (“FI and Paytech”) clients.
- Working in conjunction with coverage team, to agree & deliver revenue and activity targets for the FI and PayTech client portfolio (based on client account planning) and actively call on clients base to ensure client relationship strategies are implemented.
- To maintain ongoing contact with FI and PayTech customers to ensure targeted level of return on Trade Finance
- To manage transfer of best practices between markets, in order to leverage Transaction Banking capabilities with the client portfolio.
- Ensure financial objectives are met.
- Responsible for maintaining sustainable growth of revenue.
- Revenue and sales monitoring for Cash and Trade from Bank clients (non-TB FI sales revenue for direct TB FI Sales covered clients)
- Driving utilisation levels by monitoring transaction history and taking appropriate actions.
- Manage other businesses under FI segment in addition to Pay Tech if required and assigned by the Line Manager
Day-to-Day Tasks
Processes
- To manage the Transaction Banking relationship across all products for a portfolio of FI and PayTech clients.
- To undertake and manage RFP and deal processes for specific client base, to ensure optimal solution provided and presented to the customer; working with sales, product management and operations to deliver the desired results. To ensure smooth deal implementation and adherence to high levels of service quality.
- To provide feedback to Product Management on customer needs, trends, and market intelligence, and to provide direction on proposed project programme initiatives to central product management teams.
- Lead regular pricing reviews, including impact of waivers or non-standard pricing and implement appropriate local pricing at a product level.
- Monitoring client onboarding, GICs and other FCC related work
- Ensure that the service team does regular reviews with clients to validate their service levels and implement client feedback wherever possible.
- Ensure that the business meets its obligation vis-à-vis prevention of Money Laundering under group policy and standards and under the local laws and regulations.
- Ensure that clients are serviced promptly and quickly by the service team.
- To keep abreast of customers’ needs, trends, and product/market intelligence for new product developments/ enhancements, strengthening SCB’s competitive position in this field.
- Conduct Market events to share best practices standards and raise SCB visibility.
People & Talent
- Work towards team building and their education. Ensure all e-learnings/trainings for the team are duly completed.
- Implement succession strategy and develop future leaders.
- Strengthen partner relationships.
- Networking with other countries, region, and group.
- No failed audits and full cooperation with internal/external auditors.
- Promote and perform community activities.
Skills and Experience
- Sales Proposal & Presentation
- Client Relationship Management
- Cross Selling
- Strategic Sales Planning
- Good Understanding of Cash & Trade
Qualification
- University degree holder
- Minimum 10 years of relevant Transaction Banking sales experience, ideally in the international/regional environment preferably with a good understanding of the market competitive landscape. Experience in handling cross border payments for financial institutions/paytech companies would be an added advantage
- Expertise in the payment environment, infrastructure and emerging trends in the payment space particularly cross border payments is a prerequisite
- Strong communication and influencing skills, proven track record to work in a collaborative cross-border team environment with multi-cultural stakeholders.
- Strong analytical and problem-solving skills
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.
Recruitment Assessments
Expected annual base pay range for the role is 208,000 USD to 260,000 USD. The final offer will be determined on an individualised basis using a number of variables, including but not limited to skill set, depth of experience and education, internal relativity, and specific work location. At Standard Chartered Bank, Base pay is only part of the total compensation package. Discretionary variable pay and a range of attractive bank sponsored benefit programs are available and designed to foster employee overall health and well-being including, but not limited to, a best in class 401k plan with up to 8% employer match, robust medical plan coverage with employer funded Health Savings Accounts, inclusive family building benefits, and flexible/hybrid working arrangements for many of our positions subject to role specific considerations
Associate Director, Events and Marketing Manager
Associate Director, Events and Marketing Manager will work with the Head of Brand & Marketing, Americas and the Head of Global CIB Events to develop, implement and execute activities of the Brand & Marketing Strategy to attract, retain and engage clients and to help the Corporate & Investment Business (CIB) segment in the region to grow its market share.
Key Responsibilities
- Develop and execute integrated marketing activities for CIB to enhance the Standard Chartered brand in the Americas and support business objectives. Activities will include Client Events, digital marketing, social media, content marketing, thought leadership and internal promotion.
- Work with the Brand & Marketing Americas team to deliver first class events and integrated marketing campaigns.
- Support the planning and lead the execution of Global campaigns in the Americas and locally orchestrate all aspects of these events and activities.
- Develop and implement engaging and memorable client events that resonate with attendees and drive business goals, with creativity, strategic planning, and excellent organizational skills.
- Lead the preparation, pre-event, delivery and post-campaign activities, including but not exclusive to:
- Communication planning around events (including social media and internal communications- Pulse / Update Americas)
- Production of content for the campaigns
- Event logistics and shipping event materials
- Project planning updates
- Updating project decks to stakeholders and working group meeting scheduling / action tracking
- Creation of marketing / promotional materials
- Apply agreed marketing measurement tools to track the success of each initiative and assess the effectiveness of B&M spend
- Development and management of sponsorship requests in line with S&D processes
- Production of briefing documents for stakeholders
- Digitising event content – use event panel sessions as opportunities to create thought-leadership articles.
- Deliver through innovative channels and content.
- Ensuring proactive measurement, timely engagement and reporting of activities. Recommend methods for tracking and measuring ROI of client activities.
- Work closely and manage vendor partners to ensure seamless execution and delivery of events, and to manage collateral creation.
- Ensure activities are carefully managed and delivered within designated budgets.
- Work with the regional team to articulate the Brand & Marketing strategy for the Americas Cluster and with the Group CIB Events team to locally plan and deliver Group-led activities.
- Work closely with the different business units in the cluster, the Head of Brand Marketing Americas and the Head of CIB Events.
- Have awareness and understanding of the Group and the Regional business strategies, with the ability to manage and lead components of the delivery of Brand & Marketing plans.
- Work closely with business/functions heads to support their business objectives and deliver first class marketing programmes.
- Learn how the business operates and be familiar with the organizational chart.
- Identify opportunities for business to extend client activities into digital communications/channels.
- Develop client communications/marketing materials and content for the business.
- Build relationships with internal stakeholders and colleagues across the bank to stay informed and identify client engagement opportunities.
Key Stakeholders
- Corporate Affairs, Brand & Marketing (CABM) Europe and Americas team
- Group CIB Marketing
- Stakeholders and colleagues in respective CIB businesses, markets and functions
- Group CABM teams for CIB, research, digital and brand governance
- External Suppliers, vendors
- Media contacts
Skills and Experience
- Bachelor’s degree in a relevant field, with a minimum of 5 years of professional experience in a similar role in a global organisation.
- Proven experience in event planning and delivery.
- Superior project coordination skills and high attention to detail.
- Flexible around working hours due to events & internationally based colleagues.
- Willing to travel nationally and internationally.
- Outstanding interpersonal skills and gravitas at all levels.
Senior Credit Officer – Specialized Finance Risk
Job Summary
We are looking for a Senior Credit Officer – Specialized Finance Risk. The role holder will be responsible for:
- Second Line of defence responsibilities related to Credit Risk, which involves oversight and challenge of risk management actions from the First Line, including the following:
- The Group’s Enterprise Risk Management Framework (“ERMF”) with regards to Credit Risk, which sets out the Group’s approach to risk management and the control framework within which risks are managed and risk-return trade-offs are made. Ensure that the relevant first and second line owners understand and accept their risk management responsibilities.
- Ensure a robust effectiveness review process for the ERMF with regards to Credit Risk, and escalate significant matters and/or gaps in ERMF implementations to senior management and the relevant Board level committees as relevant.
- The Group’s Risk Appetite Framework, with regards to Credit Risk, which sets out the Group’s appetite to material risk types that it is exposed to. As SCO Specialized Finance, monitor compliance to Board approved risk appetite using the risk information report covering principal risk-types Credit Risk; and highlight significant matters to the attention of senior management and senior risk committees.
- Building a culture of good conduct in the Risk function, embedding the Risk Culture statement carrying out Process Universe related responsibilities as defined in the ERMF.
- Final credit decisions for wholesale lending facilities, ensuring completeness and accuracy of the business credit application and capturing of critical information required for credit risk measurement and credit analysis.
Key Responsibilities
- Act as the Credit Risk control owner under the Group’s Risk Management Framework (including relevant Operational Risk Framework ownership for credit risk) and ensure a full understanding of the risk and control environment in area of responsibility.
- Design, maintain and effectively communicate risk control parameters across the Business, including policies, control standards, risk exposure limits and other control levers in order to maintain the risk profile in line with the Group’s risk appetite.
- Obtain assurance regarding the effectiveness of the business controls and compliance with applicable laws & regulations.
- Approve breaches of Local Portfolio Standards, to the extent permitted by Credit Policy.
- Monitor compliance with credit policy and Portfolio Standards on monthly basis at least and reviewing any divergence thereof with the CEO, Client Coverage (CC) Head/Segment Heads to ensure credit quality targets are achieved.
- Ensure first line process owners understand and accept their risk management responsibilities.
- Ensure EAR process is adhered to and lead monthly EAR discussion. Assisting relationship managers in identification and managing up or out of accounts exhibiting signs of deterioration and assist Group Special Assets Management, where appropriate, in managing accounts to maximize recoveries and minimize losses.
- Initiate stress tests as required by internal and external factors and review results and assess their implications.
- Ensure that effective management response plans are in place to respond to extreme but plausible scenarios.
- Uphold the integrity of risk/return decisions, by challenging business to demonstrate that risk origination and control decisions are properly informed and consistent with strategy and risk appetite.
- Direct appropriate response to material events or other risk issues that come to the Senior Credit Officer, Specialized Finance’s attention.
- Ensure risk capabilities are objective, consistent and compliant with applicable regulations.
- Maintain a good understanding of the requirements of key external stakeholders in respect of risk management and ensure these are well understood internally and reflected in internal procedures.
- Ensure appropriate judgement is applied in the discharge of risk authorities assigned to the jobholder, taking account of concentration risk across sectors, geographies and markets.
- Maintain delegated authorities in line with internal policies and ensure that delegations are in line with individual capabilities.
- Maintain an open and cooperative relationship in dealings with regulators.
- Align the strategy of the Risk function with business strategy and risk appetite and oversee its execution.
- Co-ordinate local resources to ensure that:
- Quality of credit review is consistent.
- standards of professionalism are upheld.
- systems are installed in accordance with Group standard. Provide a reference point for collating and passing on to Group Technology and Operations problems and proposed enhancements. Ensure that new users are trained on all credit systems.
- Ensure that the quality of Business Credit Applications (BCAs) meets Group standards, particularly with regards to the completeness and depth of risk analysis.
Key Stakeholders
Internal
- Members of GCRO and GCRO CCIB Risk Management teams
- Regional & Country Business, Product, Client Coverage Heads
- Group Heads of Control functions
- Group and country Internal Audit
- Group Operational Risk
- Regional & Country CEOs
- Treasurer (Country) and various GM Head of Sales
- Head GSAM (Country and Regional)
- Head, Legal Affairs and Compliance (Country)
- Other Senior / Regional Credit Officer (Region)
External
- Key regulators
- Group and country’s external auditors
- Economic and Industry Associations
- Counterparts in major financial institutions
- Local governance bodies
Skills and Experience
- Market Knowledge: Substantial experience at the highest level in the banking industry, including demonstrated success in similar role within the same product / business area.
- Business Strategy and Model: Sharp business acumen (including ability to assess risk and appropriate levels of return), strong leadership qualities, excellent interpersonal skills and multi-cultural awareness and sensitivity.
- Risk Management and Control: Demonstrated track record in successful management and ability to manage risk in geographically dispersed and highly varied product base. Expertise in process design and control.
- Regulatory Framework and Requirements: Awareness and understanding of regulatory framework in which the bank operates, and the regulatory requirements and expectations relevant to the role.
- Non-technical Skills: Significant relationship management experience – with external stakeholders at the most senior levels, including regulators and rating agencies.
Director, Banking Law Advisory
Job Summary
This pivotal role supports the US Head, Banking Law Advisory, in delivering second-line-of-defense regulatory risk oversight and advisory services related to U.S. banking laws and regulations. The role requires significant expertise in interpreting and applying regulations such as those issued by the Federal Reserve (FRB), NYDFS, and state-specific banking and privacy laws. You will also act as a regulatory subject matter expert (SME) and key advisor to stakeholders across the Bank.
Key Responsibilities
– Responsible for supporting the US Head, Banking Law Advisory in providing Second Line of Defence advisory duties for US bank regulatory requirements for which CFCR is the Risk Owner (exclusive of FCC related regulatory requirements), which includes the following: FRB regulations; NYDFS regulations; State privacy regulations; State banking laws applicable to SCNY and the SF branch and US representative offices (CA, TX, FL, NJ)
– In such capacity, support the 1st Line of Defence, CFCR Coverage Officers, Regulatory Affairs and Governance on the interpretation and applicability to SCNY of bank regulatory requirements and assist and/or lead on the development of appropriate solutions consistent with associated risk.
– Act as the risk owner under the Group Equity Holding Standard advising offshore equity investing businesses on BHCA requirements and in such capacity oversee the compliance framework (tools and methodology), liaising with US Regulatory Reporting as necessary. Act as the risk owner for the local Regulation W Policy and in such capacity oversee the compliance framework and advise 1st line process owner on related requirements.
– Act as US SME on: Cross-border initiatives – CER’s and offshore banking for US persons; Outsourcing/TPRM matters;
– Responsible for providing details of developments giving rise to a material risk that serious regulatory breaches or breaches of risk tolerances (as agreed by the Group from time to time) may occur and notifying any such breaches to (as appropriate): US Head, CFCR; Head of Banking Law Advisory; US CEO; the Americas Risk Committee and/or the US Risk Committee; and/or in conjunction with Regulatory Affairs, the local regulators.
– Act as Process Owner for the BHCA compliance tool (Confluence or Advisor Connect)
Qualifications
• JD or MBA preferred.
• 5-10 years Bank Regulatory risk management experience
• Substantial experience in the banking industry.
• Hands on experience with federal (FRB and/or OCC) and NYS banking law/regulations with an emphasis on prudential regulations to include:
o Regulations W, Y, K, U, D, H and YY
o OCC lending limits
o FRB SR Letters, including TPRM
o State privacy rules (CCPA)
o Data Sovereignty rules (DOJ US Persons Data Bulk Thresholds rule)
o DFS and FRB licensing rules
o FR Y-10 filing requirements
o Knowledge of CA, Fl, TX, NJ banking rules a plus
• Sharp business acumen (including the ability to assess risk and appropriate levels of return), strong leadership qualities, excellent interpersonal skills and multi-cultural awareness.
• Ability and experience in managing geographically dispersed and highly varied customer and product base.
• Ability to collaborate and work dynamically across country, region, business and group stakeholders.
• Strong understanding of best practice risk management techniques and frameworks.
• Strong understanding of the key features of all the relevant banking laws and regulations relevant to the Group.
• Sound judgement on business practices, regulatory relationships management and reputational risk.
• Exemplary integrity, ethics, independence and resilience.
• Personal authority with proven ability to establish relationships and provide strong direction at the most senior levels on the Group and with regulators and other external stakeholders.
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