Job Responsibilities

To provide CFCR guidance, advice and oversight for Wealth and Retail Banking (WRB") business, with primary focus on Private Banking Customer Due Diligence (PvB CDD") and with mutual coverage support to Retail Banking (RB") CDD as required:

• Act as the primary CFCR advisory contact for PvB CDD matters, providing timely and risk-based advice on client onboarding, periodic review, trigger review, enhanced due diligence, source of wealth/source of funds, high-risk client escalations, CDD remediation and other client lifecycle matters.
• Apply deep technical expertise in HKMA AML guidelines, UHNW onboarding expectations, complex ownership structures, trusts, offshore vehicles, nominee arrangements, and source of wealth/source of funds assessment to support proportionate and defensible CDD outcomes.
• Provide confident, risk-based judgment and appropriate sign-off or recommendation for high-risk accounts, PEPs, complex source of wealth/source of funds cases, and escalated client onboarding or review matters, within applicable delegation and governance arrangements.
• Articulate problem statements clearly, identify root issues and regulatory considerations, and work with business and control partners to develop compliant, practical solutions that streamline the client onboarding journey without compromising AML, sanctions, conduct or broader CFCR standards.
• Work closely with the RB CDD team to support mutual coverage, including sharing knowledge, aligning advisory positions where appropriate, and providing back-up support during peak workload, absence, urgent regulatory requests or other business-as-usual coverage needs.
• Support the development and implementation of consistent, risk-based CDD standards and controls across PvB and RB where relevant, while recognising segment-specific regulatory, product, client and operational considerations.
• implement the vision, strategy, direction and leadership of CFCR team, consistent with CCO's vision and strategy for the CFCR function and in support of the Bank's strategic direction and growth aspirations .

• Promote the culture and practice of compliance with CFCR standards (including conducting business within regulatory requirements, and to high ethical standards) within the Bank and embed a Here for good culture and the Group Code of Conduct;
• Establish close links with CFCR colleagues in the country and the Group and partners leading other Client segments and/or Product Groups to achieve common platforms and work plans, implementing a One Bank approach to covering all Clients.
• Support WRB business, particularly in Digital Banking space arising from the fast - growing and rapidly evolving business and regulatory environment. This includes but is not limited to AI initiatives, digital and VA related projects etc.
• Input to Country Business operating model design of relevant Compliance, FCC and business processes
• Build and maintain an effective and constructive relationship with all key business and functional stakeholders that is based on trust, capability and integrity, providing timely, responsive and quality conduct, financial crime & compliance-related advice and guidance to enable the business and functions to meet/ achieve their strategic tactical objectives.
• Advise Business Heads, Relationship Managers and senior stakeholders pragmatically on complex CDD and onboarding matters, while maintaining a firm, independent and clearly articulated compliance position on risk boundaries, minimum control standards and escalation expectations.
• Provide advice, analysis (and challenge when appropriate) in relation to the WRB including product design, new business initiatives, bespoke projects, remedial activities (including nature, scale and rigour of past business reviews), and transactional advice.

Key stakeholders

• Legal network
• Compliance, Financial Crime & Conducr Risk network
• Respective Business and Business / Units Operational Risk Manager
• Audit
• Regulators

Skills and Experience

• Investigations
• Compliance Policies and Standards
• Compliance Advisory
• Compliance Review and FCC Assurance
• Compliance Risk Assessment
• Regulatory Liaison
• Manage Projects / Changes

Qualifications

• A recognised university degree or professional qualification in Law / Finance / Accounting / Business or related discipline
• Minimum 8 years of relevant compliance experience working within financial services industry
• Sound knowledge of rules, regulations and statutory requirements of Hong Kong Monetary Authority and/or other regulatory bodies such as Securities and Futures Commission
• In-depth Industry Knowledge in retail banking, particularly in Digital Banking
• Effective communications skills (written and spoken)
• Strong analytical skills
• Good interpersonal skills and a team player
• Good judgement
• Ability to work under pressure
• Independence and robustness
• Personal authority, integrity and ethics
• Professional Accreditation such as Enhanced Competency Framework (ECF) under the HK Institute of Bankers (HKIB) would be an advantage

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.