香港上海滙豐銀行 The Hongkong and Shanghai Banking Corporation Limited
Established in 1972, HSBC Macau Branch offers a comprehensive range of banking services to its customers. Its retail banking and wealth management business focuses on the HSBC Premier service, which is HSBC's global wealth management proposition, offering unique banking and wealth management services to local citizens and customers with international background or needs. Its commercial banking includes import / export financing, commercial loans, payment and cash management, trade and supply chain, and SME banking services.
職位空缺 JOB OPENINGS:
Head of Financial Crime, Macau
Principal Accountabilities:
The MLRO, and the Accountable Executive for countering financial crime for Macau with delegated responsibilities from Head of Financial Crime, Asia and Middle East, specific to HSBC Macau, as set out in formal delegation letters as per SMR requirements.
Provide effective oversight of the operational effectiveness of critical policies and systems covering financial crime that ensure that the Macau exposure to financial crime and related reputational risk is managed, in a commercially sensitive, practical and cost effective manner.
The articulation of Macau risk appetite and policies with respect to money laundering, sanctions, internal and external fraud, tax evasion, terrorist financing, bribery and corruption.
Identify, analyse, and investigate Financial Crime risk to support informed risk management and effective information sharing with internal and external stakeholders (including government), grounded in advanced analytics and technology.
Acting as a trusted advisor to the Macau Board and Macau senior executive stakeholders (including the leadership of the Risk & Compliance function) on all material financial crime risk and related reputational issues involving Macau that arise in relation to the operational management of financial crime risk.
Coordinating a consistent approach to managing Macau’s positive relationship with its regulators, and ensuring timely reporting and disclosure of relevant information both to our regulators and within the Group in relation to financial crime matters. To stay at the forefront of key regulatory changes for the region to ensure proactive communication with business and develop appropriate policy and framework to manage the changes.
Serve as the financial crime risk steward for Macau in relevant governance meetings or forums to report on progress and issues in relation to the operational effectiveness of HSBC’s policies, processes, systems and controls in countering financial crime. To exercise risk steward challenge on Financial Crime risk, act as independent trusted advisory in governance forums, issue management, fostering a compliance culture and optimizing relations with risk owners and control owners. Provide Advice and Challenge to Global Businesses in order to ensure clear understanding of Financial Crime risk exposure with respect to clients, transactions and products.
To ensure second line governance of financial crime risk exposure, providing analysis, reporting and governance that is independent of the first line of defence, thereby maintaining an objective assessment of risk exposure.
Lead the Macau Financial Crime team, establishing guiding principles and strategic operational objectives, owning budgeting and managing costs, headcount and resources to ensure that the Macau Financial Crime team is fit for purpose and that the team’s delivery of its critical services is both effective and cost-efficient.
To drive the implementation of policy related to Financial Crime risk arising out of changes in Financial Crime within Macau and regionally.
Qualifications:
Financial crime experience as a regulator, or a senior financial crime manager within a global firm, in the financial services industry
Track record in leadership and influencing is essential, in particular the application of this skill in areas outside their direct span of control
Knowledge of a financial crime risk framework and experience in its execution, together with knowledge of business and products
A background or deep understanding of operational risk is also highly desirable
Track record of resilience and confident challenge when dealing with senior stakeholders to influence change without direct responsibility for resources or budget
Strong understanding of products, processes and controls across all major banking business and product lines.
Experience of dealing with regulatory matters and confident interaction with Regulators and Law Enforcement Agencies
Experience of creating, leading and motivating a team
Experience of working within a matrixed environment preferred
Leadership experience and excellent communication and inter-personal skills, with experience of dealing with executives at all levels
Senior Manager, WPB Business Financial Crime Risk, Macau
The Business Financial Crime Risk Senior Manager will play a significant and critical role in the success of WPB’s objectives and outcomes with regards to deterring, detecting, and protecting against financial crime risk. The role will report to Head of Business Financial Crime Risk and be associate with and responsible for a number of key financial crime risks including Anti-Money Laundering, Sanctions, Anti-Bribery & Corruption (AB&C), Tax Evasion and Fraud, and oversight over the Customer Due Diligence (CDD) for both New-To-Bank and Existing-To-Bank and Client Selection & Exit Management (CSEM) processes for WPB. As a Business Financial Crime Risk Manager with direct accountability of the above activities, the individual must ensure the primary operational aspects are managed effectively to achieve strategic business and customer outcomes in a sustainable, ethical and cost-effective manner, and in accordance with the Financial Crime Global Standards, working closely with Local, Regional and Global stakeholders.
Principal Responsibilities:
Support on launching various on-the-ground initiatives related to Business Financial Crime Risk (BFC
Support on all BFCR related governance and remediation projects
Support on implementation in terms of identifying and escalating associated risks as well as monitoring BFCR related activities
Develop and deliver targeted guidance and training for frontline staff to ensure ongoing enhancement and embedment of global policy procedure
Coordinate various BFCR tasks with ASP/Global Teams, project teams, and other LoB’s stakeholders to ensure the implementation being completed in a proper and timely manner
Be a trusted SME to frontline staff on the effective management of FC risk and execution of process. Help Frontlines to navigate and, wherever possible, find ways to alleviate process burden, and raise awareness of best practices and "what good looks like" amongst RMs and their teams. Support frontline Managers in embedding a robust culture within their teams
Identify opportunities to streamline processes to achieve greater customer centricity, improved employee experience and/or management of risk
Support and coordinate FC related internal audit/2LoD/regulator review
Project management and subject matter expert advisory for Financial Crime related systems
Work with Risk and Control team on raising and tracking MSII (Management Self-identified Issue) for any policy and procedure gap identified
Supporting and coordinating with FCC / Risk stewards in response to the regulatory reporting data supplementation, validation, report reviews and ensuring oversight of the corporate data / reporting submission quality
Support to manage BFCR day to day operation, such as CDD and CSEM, preparing governance materials, attend or host meetings and ensure the process is going fluently.
Job Requirements:
Minimum of a Bachelor degree
Relevant years of experience in Banking or Financial Services covering financial crime or risk management
Knowledge of Financial Crime Risk issues, typologies and trends, as well as awareness of Financial Crime Compliance Regulations
Sound knowledge on retail banking business
Proficiency in both English and Chinese
Strong planning, analytical, and well developed leadership and management skills
Strong interpersonal skills with the ability to communicate effectively at all levels and with senior managements
Proficient in Microsoft office, including Excel and Powerpoint
Track record of proactive issue identification with swift resolution, mitigation and governance
Ability to prioritize and work independently under pressure
Excellent verbal and written communications skills and ability to communicate complex issues in English writing
Manager, Performance – COO Office
Job Roles & Responsibilities:
Strategy Planning and Change Execution – support strategy planning and change management, either internally or externally driven, on a continuous improvement basis
Financial Management and Data Analysis – support the management of budgeting, forecasting, and cost controls, including tracking operational losses, driving efficiency, and ensuring robust challenge mechanisms are in place. Support with data analysis and regulatory reporting data consolidation and review.
Service Performance Management – supporting with managing any “services” delivered to business, with appropriate benchmarks, metrics and reporting on efficiency, effectiveness and success of those “services”
Governance & Documentation – provide support in ensuring appropriate and consistent governance is developed and implemented with robust documentation and supporting management
Organizational Design – maintaining and continually reviewing organizational designs
People agenda – support development and execution of people engagement plan for GCOO and wider Macau teams
Project execution – support with region/country specific programmes supporting Group COO strategic actions’ execution or provide governance oversight on cross-line of Global Business / Global Functions
Continue to improve the oversight and governance of third party management to enable more forward looking governance environment as well as support the ongoing management of third party engagements.
Job Requirements:
Extensive experience in banking/ financial services, preferably in a global organization
Educated to graduate degree level in business management related field or associated relevant business experience
Knowledge with proven experience preferred in financial budgeting, strategic planning, communication, and people management processes
Proven project management experience with an ability to influence senior stakeholders
Previous background of working in a matrix organization structure; ability to persuade individuals at different levels
Strong data analytics skills is an advantage
Good verbal and written communications skills required in English; other language abilities are advantageous
Good application of MS Office, with sound knowledge in MS Excel, MS PowerPoint; Additional data management skills such as excel VBA or programming capability will be preferred.
Client Service Manager
The GPS Service Manager (CSM) is responsible for developing strong service focused relationships with their clients, understanding their business and utilization of our products. The GPS Client Service Manager is accountable for the service experience of an assigned portfolio of clients across the GPS Service landscape. They provide comprehensive management of the GPS service experience for clients, engage clients directly as required to better understand their service needs and ensure delivery as appropriate. Advocate for the client and champion client escalations across HSBC.
Key Accountabilities:
Field and resolve complex service inquiries; ensuring timely response and proactive communications until the client’s expectations are met.
Proven ability to evaluate options for resolution of complex queries, weigh pros/cons of approaches and escalate challenges when needed.
Accountability for client escalations; business-as-usual escalations as well as global service escalations, inquiries and/or projects. Coordinate remediation of issues and the communication to clients/internal stakeholders.
Monitor client case type/activity to identify potential issues and opportunities for improvement. Proactively identify risks and issues as part of complex query oversight.
Oversee local client-initiated projects; facilitate local completion of global client-initiated projects.
Engage with Global counterparts for maintenance request, client queries and escalations.
Identify and action red flags before they become client-identified issues.
Develop and maintain internal and external contact list.
Field and resolve complex service inquiries; ensuring timely response and proactive communications until the client’s expectations are met.
Proven ability to evaluate options for resolution of complex queries, weigh pros/cons of approaches and escalate challenges when needed.
Accountability for client escalations; business-as-usual escalations as well as global service escalations, inquiries and/or projects. Coordinate remediation of issues and the communication to clients/internal stakeholders.
Monitor client case type/activity to identify potential issues and opportunities for improvement. Proactively identify risks and issues as part of complex query oversight.
Oversee local client-initiated projects; facilitate local completion of global client-initiated projects.
Engage with Global counterparts for maintenance request, client queries and escalations.
Identify and action red flags before they become client-identified issues.
Develop and maintain internal and external contact list.
Experience, Skills and Qualification:
Experience in working within a fast-paced service-oriented environment with continually changing priorities.
Analytical mindset and a desire to solve problems for others.
Desire to identify and meet customer needs through matching a broad range of products and services.
Time management and organization skills with the ability to manage multiple time sensitive tasks.
Effective communication and interpersonal skills with experience in interacting cross functional lines and building relationships with internal and external stakeholders.
Empathy.
Experience of working in an International Global Banking environment
Knowledge of day-to-day workings of a Corporate Treasury environment, foreign exchange, intercompany loans, payroll, and payments.
Basic knowledge of HSBC Group companies and product ranges
Manager, Cards Management – RBW Macau
Principal Accountabilities:
Formulate credit card strategies and develop business plan per Group strategic imperatives and local business requirements
Implement all on-the-ground credit card initiatives from acquisition, usage to retention plus business control activities to effectively manage credit card portfolio and achieve ROP targets
Manage special credit card projects and system enhancement items to meet business, card associations and regulatory requirements
Assist to drive the implementation of card deliverables and operational initiatives according to Group’s customer centric strategy and treating customer fairly principles
Ensure the delivery of superior customer experience though customer oriented product offers and services provided
Provide functional support in terms of product management and control by working closely with various MMO teams as well as various ASP/ Group RBWM teams.
Be connected and ensure alignment with stakeholders to deliver business strategies and objectives.
Work collaboratively and communicating persuasively, emphasizing teamwork, diversity and knowledge sharing with working parties.
Assist in driving the bank’s value and build a customer centric and risk adverse culture
Ensure the business control from AML, fraud prevention to credit risk Support the launch of all BRCM related activities on cards and ensure controls of RCA are in order
Qualifications:
University graduate
Minimum 5 years of working experience in management position of credit card issuing business
Good understanding on credit card business in particular on portfolio management and product development areas
Good project management, interpersonal and problem solving skills
Commercial and customer oriented as well as able to work idenpendently with minimum oversight
Able to build connections and work collaboratively across functional and business lines
Excellent command in written and spoken English
Premier Relationship Mgr I – RBW Macau
Job Roles & Responsibilities:
The main roles of the job holder ensure the successful implementation of business strategies and WPB’s profitability through achievement of customer retention, growth of high value targeted customers, business goals of the branch and customer satisfaction as well as to support the implementation of all Global Standard and AML related activities / initiatives.
Contribute to the Bank’s sales and service goals and profitability by proactively growing the customer portfolio through activity, pipeline and portfolio management to achieve the pre -set KPI..
Manage existing relationship with those high-net-worth customers by obtaining net new funds and develop new relationships from clients.
Acquire new Premier relationship and manage all aspects of a portfolio of Premier customer relationships.
Comply with Global Standards and anti-financial crime activities requirement. observe Group Compliance Policy and maintain awareness of operational & sanction risk and minimize the likelihood of it occurring.
Support and complete the CDD/EDD/RFI related reviews and documentations with good quality and critical thinkings.
High attention to Customer Experience to ensure we become a truly customer centric organization.
Enhance the sales capacity through effective use of branch resources and proactive sales activity management.
Coach, develop and inspire the teams to exceed goals and exceed customer expectations.
To contribute the continuous improvement of the Bank’s service & sales processes and standards.
To support Branch improvement initiatives, providing customer feedback of our service and sales offering, and ensuring compliance with statutory/audit requirements and sales quality assurance.
Qualifications:
2-3 years banking experience
Customer service focused mindset
Possess good knowledge of WPB products including general banking insurance through internal accreditation and external regulatory requirement (AMCM) to obtain Insurance License
Good selling and presentation skills
Fluent in spoken and written in English, Chinese and Putonghua
Good communication and interpersonal skills
General Banking Officer (BDO) - RBW Macau
Job Roles & Responsibilities:
Support GBM / BM on executing and implementing S&S plan for the branch and ensures the performance objective are achieved.
Identify potential customers with Deposits, Fx, HMLs, credit cards, IBC a/c, GI , PIB and Life insurance needs.
Support and complete the CDD/EDD/RFI related reviews and documentations with good quality and critical thinkings
Ensure that banking hall environment is friendly, efficient & professional, with effective merchandising.
Collect market intelligence, & report customer feedback, usage, receptiveness etc to BM/GBM
Providing consistently high level or service delivery and efficiency to Premier and general banking customers.
Providing one-stop personal banking services, handling customers’ enquiries and resolving customers’ complaints promptly, efficiently and professionally.
Work collaboratively and communicating persuasively, emphasizing teamwork, diversity and knowledge sharing with working parties.
Assist in driving the Bank’s value and build a customer centric and risk adverse culture
Contribute the continuous improvement of the Bank’s service & sales processes and standards
Support Premier Center/Premier Counter improvement initiatives, providing customer feedback of our service and ensuring compliance with statutory / audit requirement
Proactively initiating cross-departmental collaboration in Group and delivering comprehensive services to clients
Job Requirements:
Customer service focused mindset
High proactiveness and engagement in promoting the bank’s services and actively developing new customer’s portfolio
Prior banking industry experience would be preferable
Fluent in spoken and written in English, Chinese and Putonghua
Good communication and interpersonal skills
Aspired to develop your career in sales and servicing roles at retail branches
General Banking Officer - RBW Macau
Key Accountabilities / Impact on Business:
Ensure that banking hall environment is friendly, efficient & professional, with effective merchandising.
Providing one-stop personal banking services, handling customers’ enquiries and resolving customers’ complaints promptly, efficiently and professionally.
Support GBM / BM on executing and implementing S&S plan for the branch and ensures the performance objective are achieved.
Support and complete the CDD/EDD/RFI related reviews and documentations with good quality and critical thinkings
Collect market intelligence, & report customer feedback, usage, receptiveness etc.
Comply with financial crime risk guideline, observe Group Compliance Policy and maintain awareness of operational risk and minimize the likelihood of it occurring.
Complete the data entry and the processing of documents on new business intakes received.
Providing consistent high level service delivery and efficiency to Premier and general banking customers.
Work collaboratively and communicating persuasively, emphasizing teamwork, diversity and knowledge sharing with working parties.
Assist in driving the Bank’s value and build a customer centric and risk adverse culture
Comply with all sales regulations and operation guidelines/procedures by ensuring all compliance requirements, both internal and external are adhered to
Support Premier Center/Premier Counter improvement initiatives, providing customer feedback of our service and ensuring compliance with statutory / audit requirements
Experience, Skills and Qualification:
Customer service focused mindset
Prior banking industry experience would be preferable
Fluent in spoken and written in English, Chinese and Putonghua
Good communication and interpersonal skills
Aspired to develop your career in sales and servicing roles at retail branches
Counter Services Officer - RBW - Macau
Key Accountabilities / Impact on Business:
Provide exceptional customer service ensure that we are friendly, efficient & professional and attentively address their needs
Accurately conduct the cash transactions and verify for any forgeries and discrepancies
Manage cash flow by recording all cash and coin transactions
Identify opportunities to perform business referrals to sales team by understanding the customers’ needs
Support the CSM / BM in developing & implementing S&S plan for the branch. Ensures the performance objective set are achieved
Support to implement and execute FCR activities and complete the RFI/CDD with quality and critical thinking as well as promptly raising UAR when unusual transactions were identified.
Assist in driving the Bank’s value and build a customer centric and risk adverse culture
Work collaboratively and communicating persuasively, emphasizing teamwork, diversity and knowledge sharing with working parties
Comply with all regulations and operation guidelines/procedures by ensuring all compliance requirements, both internal and external are adhered to
To contribute the continuous improvement of the Bank’s service
Ensure compliance with statutory / audit requirements
Qualifications:
Customer-service focused mindset
Preferably with general understanding of bank products and services
Prior banking industry experience would be preferable
Good communication skill in English and Chinese is preferred
Good communication skill and basic computer knowledge
To be considered for this role, the relevant rights to work in Macau is required
Relationship Management Support Associate
Principal Accountabilities:
Provide support for relationship managers to ensure client planning, relationship returns, risk assets, management information etc for designated relationships are optimized and effective.
Ensure credit applications are timely raised for submission.
Continuous monitoring of security document completion and follow up with customer within the “90 day principle”.
Achieve customer satisfaction (minimizing customer complaints) by ensuring service level agreement is achieved.
Work with various business partners to ensure appropriate products are offered to customers.
Assist relationship managers to achieve time-to-cash targets on new money faciliites and renewal of securities before expiry.
Backup other colleagues during leave.
Particpate in regular and ad hoc departmental calls/meetings.
Ensure daily physical documents received from customers and branches are timely delivered to DBS or other stakeholders for processing..
Work with relationahip managers to ensure credit approval conditions are fulfilled.
Timely response to customer queries.
Timely raise credit applications/financial spreading/security documentations to customers and proactively monitor outstanding items’ status.
Ensure no breach of functional instruction manual/credit procedural manual/business instruction manual on daily operational and credit related processes.
Knowledge & Experience / Qualifications:
Bachelor degree in a relevant area
Strong interpersonal skills and commercial acumen as well as good relationship building skills
Results driven with sound knowledge of Commercial Banking products
Customer focused and have strong interpersonal and problem solving skills
Good understanding of general banking products and services as well as having sound knowledge in using bank operating systems like Customer Relationship Management System
Good understanding on credit assessment and operations, approval process and security documentations is preferred, but not essential
Fluent in spoken and written English with knowledge in Putonghua is an advantage
Proficient in using Microsoft Word, Excel and PowerPoint
Interested candidates, please create your profile and apply directly via:
https://portal.careers.hsbc.com/careers?location=Macau
OUR BENEFITS
We offer comprehensive and competitive remuneration package with benefits proposition to meet diverse needs of workforce:
Pension Fund
Medical insurance covering dependents and wellness
18 days and above Annual leave
Bank holidays
Birthday leave, Festival early leave, Parental leave, Examination leave etc.
Preferential Banking Offers
Employee Education Benefits Program
Learning programs & Development Opportunities
You’ll achieve more when you join HSBC.
www.hsbc.com/careers
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