忠誠保險（Fidelidade – Companhia de Seguros, S.A.）是歐洲歷史最悠久的保險公司之一。忠誠保險是由 Fidelidade-Mundial 及 Império-Bonança 兩間保險公司合併而成，其公司起源於1808年。
忠誠保險自1999年起在澳門特別行政區開始發展人壽保險（包括私人退休基金）及非人壽保險業務。在澳門，忠誠保險積極為客戶提供最多元化的保險服務及為個人及企業客戶提供最佳的保障方案。
Fidelidade – Companhia de Seguros, S.A. (hereinafter referred to as “Fidelidade”) is one of the oldest insurance companies in Europe. Fidelidade arises from the merger between two insurance companies, Fidelidade-Mundial and Império-Bonança whose origins date back to the year 1808.
In the Macau SAR, Fidelidade is duly authorized to perform insurance activities through two branches for life (including private pension funds) and non-life insurance businesses since 1999. Fidelidade has been servicing Macau with a diversified range of solutions for the protection of individual customers and companies.
Know more about us 了解更多: https://www.fidelidade.com.mo/
職位空缺 OPEN POSITIONS
商務部 - 助理主任/主任 Commercial Department - Assistant Officer / Officer
Ref. no.: FM.01.122025
職位內容 Responsibilities
負責處理商務部的日常工作
與客戶合作夥伴建立並保持良好的關係
推廣保險產品推動銷售
為客戶合作夥伴提供優質和專業的客戶服務
及時回應客戶合作夥伴查詢
與內部保持緊密合作，確保提供優秀的服務
Support the daily operations of the Commercial department
Build and develop relationship with clients, intermediaries and partners
Promote insurance products to drive sales
Deliver quality and professional customer service
Respond to client enquiries in a timely manner
Liaise and work closely with back office to ensure excellence in service delivery
職位要求 Requirements
大學畢業或以上，主修財務、金融或相關範疇
具保險產品銷售經驗優先
良好中英文書寫及溝通能力 (懂普通話優先)
良好人際交往及演示技巧
需性格開朗，主動及處事以客為尊
善於與團隊建立良好的合作關係並能於壓力下工作
University graduate or above in business, finance, or related disciplines
Experience in insurance sales and relationship management preferred
Good command of spoken and written English and Chinese (Putonghua speaking preferred)
Strong interpersonal and presentation skills
Outgoing, self-motivated and client oriented
Able to work in a team and under pressure
保單管理部 - 人壽保險核保高級主任 / 主任 Policy Administration Department - Life Underwriting Senior Officer / Officer
Ref. no.: FM.02.112025
職位內容 Responsibilities
負責處理日常保單管理部工作
分析及評估人壽保險申請個案的風險
持續監察現有保單的關鍵風險因素的變化
所有人壽保單文件的妥善管理及紀錄
處理直屬上級／主管委派之工作
Support departmental daily operation
Analyze and evaluate the risks involved in issuing individual life policies
Monitor existing policies for any critical risk factor changes
Keep good record of all life policies' documents
Perform any job duties assigned by reporting manager/supervisor
職位要求 Requirements
大學本科或以上學歷，商業或醫學相關學歷優先
擁有保險各類認證優先
2年或以上壽險公司核保經驗
良好英文及中文（廣東話及普通話）的溝通及書寫能力
良好的分析及理解能力
良好溝通能力、細心、謹慎、主動、獨立，願意學習及團隊合作精神
深入理解核保條款指引及規章及良好職業操守
良好電腦操作技能及文書處理能力，尤其 Word 及 Excel
University Degree or above, majoring in Business or Medical related is highly preferred
Candidates with insurance certification are highly preferred
2 years of life insurance underwriting experience
Good command of verbal and written English and Chinese (Cantonese and Mandarin)
Good analytical and comprehension skills
Effective communication skills, detail-oriented, prudent, proactive, independent, willing to learn and team-work oriented
Deep understanding of underwriting guidelines and regulations and strong professional ethics
Good knowledge of PC applications, especially Word and Excel
資訊科技部 - 全端工程師 Information Technology Department - Full-Stack Programmer / Senior Programmer
Ref. no.: FM.01.112025
職位內容 Responsibilities
建構下一代以客戶端為重點的網頁應用程式
確保在應用程式的所有方面實施安全和資料保護
根據業務需求設計並開發網頁應用程式的整體架構
與設計團隊的其他成員合作，並有強烈的意願提出新的創意
準備功能性與技術性的規格文件
Build next generation web application with focus on the client side
Implement security and data protection on all levels of the application
Design and develop overall architecture of the web application according to the business needs
Collaborate with the rest of the design team and have a strong desire to bring new ideas
Prepare functional and technical specifications
職位要求 Requirements
資訊科技或相關領域的大學畢業生
具備全端/前端開發人員的工作經驗
有設計和實施RESTful API的經驗
熟悉前端技術（HTML、CSS、JavaScript、反應式框架）
具有後端编程語言（如Java或C#）的經驗
熟悉數據庫技術，如MSSQL或類似技術
了解版本控制系統（Git）
有使用低代碼平台的實際操作經驗者為佳
具備撰寫技術文件和規格書的能力者為佳
具有出色的問題解決能力，能夠獨立工作並在團隊中合作
主動積極、自我激勵、負責任且勤奮努力
良好的英文書寫及口語能力者為佳
University graduates in the field of Information Technology or equivalent
Experience as a Full Stack/Front End Developer
Experience in designing and implementing RESTful APIs
Experience in front-end technologies (HTML, CSS, JavaScript, Reactive Framework)
Experience with back-end programming languages such as Java or C#
Familiarity with database technologies such as MSSQL or similar
Knowledge of version control systems (Git)
Hands-on experience with low-code platforms is advantageous
Skill in writing technical documents and specification is advantageous
Strong problem-solving skills and the ability to work independently and as part of a team
Initiative, Self-motivated, responsible and hardworking
Good command of written / spoken English is advantageous
精算部 – 高級主任 / 主任 Actuarial Department - Senior Officer/ Officer
Ref. no.: FM.01.102025
職位內容 Responsibilities
協助產品和精算職能，重點如下:
開發支持更廣泛產品供應的精算框架和模型
執行非壽險業務的產品審查與改進
技術儲備金評估與報告
支持風險為資本的實施和相關分析
支援 IFRS 17 的實施及相關分析
Assist in product and actuarial functions with the following focus:
Develop actuarial framework and models that support wider product offering
Perform product review and enhancement for non-life line of business
Technical reserves valuations and reporting
Support Risk-Based Capital implementation and related analyses
Support IFRS 17 implementation and related analyses
職位要求 Requirements
擁有精算、統計、數學、工程、數據科學及其他定量學科的本科或更高學位
通過 SOA 精算考試或同等考試
2 年以上壽險或非壽險精算及 / 或產品相關工作經驗
精通中英文書寫及口語能力
Tertiary undergraduate or higher in actuarial, statistics, mathematics, engineering, data science and other quantitative degrees
Passing in two or more Actuarial exams in SOA/CAS or equivalents
2+ years’ experience in life or non-life actuarial and/or product role
Proficiency in written and spoken English and Chinese
退休金部 - 銷售經理 Pension Fund Department - Sales Manager
Ref. no.: FM.02.092025
職位內容 Responsibilities
制定並執行有效的退休金產品銷售策略
識別並鎖定關鍵客戶群，並專注於企業和個人客戶
達到年度目標
與企業客戶和經銷商建立及維持長期合作關係
向客戶進行退休金計劃的推廣和諮詢
滿足客戶需求和處理客戶顧慮，確保客戶滿意度和保留率
此職位直接匯報給業務發展部及需定時完成業務發展部指派的工作
Develop and execute effective sales strategies for our pension fund products.
Identify and target key client segments, focusing on corporations and individuals.
Achieve annual targets.
Build and maintain long-term partnerships with corporate clients and distributors.
Conduct presentations and consultations of pension schemes to clients.
Ensure client satisfaction and retention by addressing their needs and concerns.
This role requires direct reporting to Business Development Department and shall fulfill duties delegated by Business Development Department.
職位要求 Requirements
大學本科或以上學歷，主修金融、市場營銷、傳播學
3年商業銷售，業務發展/退休基金經驗，具金融服務或人壽保險業優先
對退休金產品和市場動態有深入了解
卓越的溝通和表達技巧
能夠與利害關係人建立並維持良好關係
University degree or above, majoring in Finance, Marketing, Communications.
3 years’ experience in commercial sales, business development/Pension Fund, preferably within the financial services or life insurance industry.
Strong understanding of pension products and market dynamics.
Excellent communication and presentation skills.
Ability to build and maintain relationships with key stakeholders.
資訊管理部 - 助理主任/主任 Management Information Systems Department (MIS) - Assistant Officer/Officer
Ref. no.: FM.01.092025
職位內容Responsibilities
協助製作定期的財務、營運和其他分析報告
為管理層、股東、政府機構和其他相關單位提供所需的資料
編制公司的預算及財務預測
收集並分析業務及行業數據
Assist in the preparation of periodic financial, operational and analytical reports
Provide necessary information for managements, shareholders, government entities, and other stakeholders
Prepare the company’s budget forecasts and financial projection
Collect and analyse the business and industry data
職位要求Requirements
大學畢業或以上，主修資訊管理、數據分析、工商管理、統計、金融、會計或相關專業
至少兩年相關工作經驗，保險業或銀行業優先考慮
具備會計及財務投資的基本知識
熟練運用Microsoft Excel和PowerPoint
具良好的分析、解決問題、組織及溝通能力
積極主動，能獨立工作，並在壓力下完成任務
良好的中英文書寫及溝通能力
University degree or above in Management Information Systems, Data Analytics, Business Administration, Statistics, Finance, Accounting, or related fields
Minimum 2 years of relevant working experience, preferably in the insurance or banking sectors
Knowledge of accounting and investment principles
Proficient in Microsoft Excel and PowerPoint
Strong analytical, problem-solving, organizational and communication skills
Self-motivated, proactive, and able to work independently under pressure
Good command of English and Chinese
風險主管 Head of Risk
Ref. no.: FM.01.082025
職位內容Responsibilities
協助製作制定和維護符合指引的綜合風險管理框架
確保架構涵蓋所有重大風險（例如：保險風險承保、市場、信用、營運、流動性風險等）
定期進行風險評估，以識別、評估和確定風險的優先順序
監控風險敞口並確保採取適當的控制措施以減輕已識別的風險
編制並提交全面的風險報告，包括向董事會和高級管理層提交的 ORSA 報告，詳細說明風險敞口、緩解策略和新出現的風險
確保公司依照指引和其他相關法規滿足與風險管理相關的所有監管要求
就風險管理問題與澳門金融管理局及其他監管機關聯絡
在整個團隊內培養強大的風險管理文化
制定並實施培訓計劃，提高各級員工的風險意識
與其他部門（例如：精算、會計、合規、營運）緊密合作，確保採用統一的風險管理方法
與內部和外部核數師合作，促進風險評估和審核
制定並監督危機管理和業務連續性計劃的實施
就影響公司目標和績效的風險相關問題向董事會和高級管理層提供策略意見
就業務策略和決策的風險影響提供建議
Develop and maintain an integrated risk management framework aligned with the guidelines.
Ensure the framework encompasses all material risks (e.g. insurance risk underwriting, market, credit, operational, liquidity risks, etc.)
Conduct regular risk assessments to identify, evaluate, and prioritize risks.
Monitor risk exposures and ensure appropriate controls are in place to mitigate identified risks.
Prepare and present comprehensive risk reports including ORSA report to the board and senior management, detailing risk exposures, mitigation strategies, and emerging risks.
Ensure the company meets all regulatory requirements related to risk management as per the guidelines and other relevant regulations.
Liaise with the AMCM and other regulatory bodies regarding risk management issues.
Foster a strong risk management culture throughout the organization.
Develop and implement training programs to enhance risk awareness among employees at all levels.
Work closely with other departments (e.g. actuarial, accounting, compliance, operations) to ensure a cohesive approach to risk management.
Collaborate with internal and external auditors to facilitate risk assessments and audits.
Develop and oversee the implementation of crisis management and business continuity plans.
Provide strategic input to the board and senior management on risk-related issues affecting the company’s objectives and performance.
Advise on the risk implications of business strategies and decisions.
職位要求Requirements
金融、精算、風險管理或相關專業學士學位；持有高級學位或專業認證者優先
擁有豐富的保險業風險管理經驗，並對澳門金融管理局制定的準則有深入理解
具備優秀的分析、溝通和領導能力
具備良好的影響力及與各級利害關係人的合作能力
Bachelor’s degree in finance, actuarial science, risk management, or a related field; advanced degree or professional certification preferred.
Extensive experience in risk management within the insurance industry, with a deep understanding of the guidelines set by the AMCM.
Strong analytical, communication, and leadership skills.
Proven ability to influence and collaborate with stakeholders at all levels.
資訊科技部 – 主任 / 高級主任（資料庫程式設計員）Information Technology – Officer / Senior Officer (Database Programmer)
Ref. no.: FM.01.062025
職位內容 Responsibilities
開發關鍵保險產品
根據業務需求設計和開發資料庫的總體架構
與其他開發人員協作，並有強烈的創新意願
準備功能和技術規範
Develop key insurance products
Design and develop overall architecture of the DB according to the business needs
Collaborate with other developers and have strong desire to bring new ideas
Prepare functional and technical specifications
職位要求 Requirements
資訊科技或相關專業大學畢業
保險知識（人壽和非人壽）優先考慮
具有 MS SQL Server 或其他主流資料庫提供者的開發經驗
能夠建構高階 SQL 查詢
懂得使用 SSIS
能夠快速掌握新概念並將其應用於不同場景
具備撰寫技術文件和規範的技能
積極主動、有責任心、勤奮努力
能夠承受壓力並獨立工作
良好的英語書寫/口說能力
University graduate in the field of Information Technology or equivalent
Insurance knowledge (Life and non-life) is an advantage
Experience as a MS SQL Server developer or other mainstream DB providers
Able to build advanced SQL queries
Able to work with SSIS
Able to quickly grasp new concepts and apply them in different contexts
Skill in writing technical documents and specifications
Initiative, self-motivated, responsible and hardworking
Able to work under pressure and independently
Good command of written / spoken English
合規部 - 高級文員/ 主任 Compliance Department - Senior Clerk/Officer
Ref. no.: FM.01.042025
職位內容 Responsibilities
負責處理部份日常文書工作
準備及處理監管機構相關報告
協助提供與合規相關的培訓
協助處理及跟進投訴個案
協助處理AML/CFT 篩檢
處理直屬上級或主管委派之工作
Support Departmental daily clerical work
Prepare and process reports for regulators
Assist to provide compliance related training
Assist to manage and follow up complaints cases
Assist in AML/CFT screening
Perform any job duties assigned by reporting manager/supervisor
職位要求 Requirements
大學畢業或以上
3年或以上保險相關工作經驗優先
具保險法律法規知識
良好中英文書寫及溝通能力
具有效率之溝通及人際交往能力
積極、主動及獨立，並能在壓力下完成工作
熟悉辦公室電腦軟件操作
University graduate or above
3 years or above working experience in insurance field preferable
Knowledge of insurance regulatory preferable
Good command of verbal and written English and Chinese
Self-motivated, proactive, independent and able to work under pressure
Good knowledge of PC applications
申請職位 Application
Interested parties please send a full resume with a recent photo to HR@fidelidade.com.mo OR submit it in our Office Address at Av. Praia Grande 567, BNU Building 14/F, Macau (China), Monday to Friday (09:00 – 17:30).
有興趣人士請將履歷連同近照電郵至 HR@fidelidade.com.mo 或於辦公時間 (週一至五，09:00-17:30) 親身提交至忠誠保險辦公室 - 澳門南灣大馬路567號大西洋銀行大廈 14 樓
*Personal data collected will be used for recruitment related purposes only.
