• Group and Country policies and procedures across the business and ensuring full compliance
• Governance Framework and risk management
• Controls to ensure proper functioning of day-to-day monitoring, sales assurance and surveillance
• Ensure full compliance and execution of wealth products governance policies and processes to meet internal Group requirements, as well as external requirements such as local regulations.
• Ensure proper functioning of day-to-day products controls, monitoring of products sales compliance, as well as timely identification and resolution of deficiencies in processes and emerging risks. .
• Oversee Wealth BORM for total alignment and collaboration with Product Operational Risk management to implement and embed Risk Framework.
• Ensure satisfactory Audit outcomes
• Products sales process simplification and Project implementation.
• Develop and sustain a strong Product Sales compliance culture.

• Design and manage end-to-end policies and processes to ensure that relevant policies, procedure and standards are effectively implemented across Wealth Products in country. Establish checks and monitor all Products sales platforms, scripts, licensing, documentation and system support, to comply with policies per Group requirements as well as local regulations..
• Translate strategy, policy, themes, into actionable plans which are realistic within country business and regulatory context. See plans through the execution phase
• Monitor sales processes and performances of third party/ service providers such as insurance companies and fund houses, to fine-tune and re-define service level required by Group standard and local regulations.
• Track the financial performance of the business and monitor business critical issues.

• Review all Products Sales and Services processes review across all products in country regularly and consistently to ensure flawless execution and compliance.
• Develop effective communication and supervise training efforts to promote risk awareness and compliance culture within Wealth Products. Ensure gaps are identified and staff are suitably trained on Products sales policies and compliance.
• Collaborate with support functions, alongside functional heads to ensure a coherent, seamless delivery and strong overall governance.

• Establish and implement a stable and reliable world class operating sales platform and control environment.
• Leverage Group resources to import and disseminate best practices from other countries so as to sustain effective products and sales control.

• Continuously improve and simplify wealth products sales process to free up RM sales capacity and improve customer experience, without sacrificing effectiveness of control.
• Leverage best practices from other countries in simplifying processes.
• Drive the implementation of Wealth Projects on system platforms, risk management, process simplification & standardisation, etc.

• Manage Stakeholder

• Guide the BORM to ensure full implementation of ERMF across the business unit. Ensure execution of the first line self assessment model, report on and analyze operational risks profile to group, and any other equivalent committee in the country. Track and follow through management actions to mitigate identified operational risks exposure.
• Supervise the key control standards (KCS), control sample testing (CST) and key risk indicators (KRI) within business unit, WM Transaction Review.
• Ensure full reporting of losses, risk events, policy deviations, CST & KRI exception, and engage appropriate stakeholders on timely remedial actions; escalate key risk situations that pose significant risk.
• Identify new, thematic and developing risks; provide operational risk advice through ORF and ad hoc reviews (Accountability reviews, Lessons Learnt reviews, Process / Control reviews) at the unit level.

• Act as the key business interface with Audit in country.
• Ensure full coordination of audit activities and reportings.
• Review Audit’s Management Action Plans with Country Head, Wealth Products and other key stakeholders, ensure full execution and commitment as agreed.
• Self reflect on Audit findings with relevant Product Heads and Customer segment heads in country, and re-assess the control effectiveness as part of the residual risk ratings.

• Display exemplary conduct and live by the

• 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.

• Country Wealth Products Heads
• Country Segments Heads and Teams
• Country Support Functions, e.g. L&C, OR, SD, Finance, GTO and HR
• Country External Regulators
• Group Wealth Products teams
• Group Wealth COO office
• Group L&C and OR teams

• Degree holder, minimum 12 years of Wealth Management experience, in products or sales or processes.
• Leadership

• Charismatic Team leader who shows leadership initiative and assertiveness
• Self-motivated and motivating
• Work well under pressure
• Proficiencies and Knowledge:

• Wealth Products
• Sales policies and procedures
• Group governance requirements
• L&C Requirements
• Audit requirements
• Local Regulations
• Operational risks
• Skills

• Change management
• Interpersonal and influencing
• Coordination and execution
• Collaboration and team work
• Communication and listening
• Negotiation and engagement
• Project management & Implementation

• 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
• Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations
• Time-off including annual, parental/maternity (20 weeks), sabbatical (12 weeks 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.

Standard Chartered