ssociate Director: Cash Products At Standard Chartered Bank


The Role Responsibilities

Strategy

  • Develop and implement a 3-year strategic plan which includes revenue pools, related economic revenue, competitor’ analysis, client segments, and product development
  • Development and implementation of CIB and CB-specific pricing strategy

Business

  • Responsibility for delivering increase in product revenue pools for cash through positioning, pricing, campaigns, collateral, training and governance.
  • Achieve monthly and annual financial performance for Cash
  • Develop and execute TB Product operating plan that meets the Business and country’s financial goals and takes into account the end to end implications of business actions that includes sales, operations, risk and people

People & Talent

  • This role carries the complexities of a multi-product, multi-segment, and multi-industry business model. Success is contingent upon successfully managing different primary stakeholders across business lines, geographies and the support structure.
  • The individual needs to understand the dynamics of Bank and product profitability.
  • Accountability
  • Ability to work in global and multi-cultural teams.
  • Ability to approach issues and opportunities strategically and understanding bank wide implications of decisions
  • Ensure the provision of periodic training and development on TB products as required for team members and clients as may be required.

Risk Management

  • Assist in coordinating, driving and directing effective compliance and operational risk management at the business level.
  • Ensure compliance with all client due diligence (CDD), anti-money laundering (AML) and sanctions policies and procedures
  • Ensure the team have a full understanding of the risk and control environment for Cash
  • Proactive in seeing regular assurance that areas of responsibility are performing to an acceptable risk and control standard.
  • Act quickly and decisively when any risk and control weakness becomes apparent and ensure they are addressed within an appropriate timeframe and escalated through the relevant chains/Channels.
  • Work in collaboration with relevant risk and control partners.
  • Balance business performance delivery and cost management with risk and control matters to ensure that it does not materially threaten the business remaining within risk appetite.
  • Be aware of / fully compliant with the TB operational risk and governance framework
  • Facilitate regular discussions on risk awareness, operation and risk control improvements, lessons learnt from incidents and identify best practices to strengthen teams’ operational risk awareness and knowledge
  • Uphold good conduct – ensure full compliance with regulations, policies, and procedures. Prevent data leakages, regulatory breaches caused by lack of knowledge and knowledge

Governance

  • Provide oversight across Cash in the CIB and CB teams, ensuring compliance with the highest standards of regulatory and business conduct and compliance practices as defined by internal and external requirements. This includes compliance with local banking laws, other applicable laws (e.g. laws governing securities activities, company law) and anti-money laundering regulations and guidelines
  • Embed the Group’s values and code of conduct in Cash and Trade processes to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees
  • Identify and mitigate the Operational, Credit, Regulatory and Business conduct risks relating to TB products within the country.
  • Ensure country compliance on Group standard for Audit, Control and financial reporting including reporting of risks to BORF/CORGs
  • Work with operations to improve overall service standards and to ensure that quality of service to customers remains superior to competition
  • Ensure timely renewal of country addendums (CAs) to PPGs and proactively work with stakeholders to identify and quantify new and existing risks. Actively participate in NPC roll out and execution in the region

Key stakeholders

Internal Stakeholders

  • Head, Transaction Banking, Ghana
  • Head, Global Banking Clients
  • Head, Commercial Banking Clients.
  • Cash Management Operations
  • Credit
  • Legal and Compliance
  • Operational Risk
  • Finance

External Stakeholders

  • CIB and CB Customers
  • Regulators
  • Competitors

Other Responsibilities

Embed Here for good and Group’s brand and values in Transaction Banking; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats)

  • Promote Thought Leadership via trainings, client event presentations.
  • Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.

Our Ideal Candidate

  • Bachelor’s Degree
  • Language: English

Role-Specific Technical Competencies

  • Market Knowledge
  • Business Strategy
  • Risk Management and control
  • Governance, Oversight and Control
  • Financial Analysis and Control
  • Regulatory Framework and Requirements

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April 2024
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