Some careers open more doors than others.
If you’re looking for a career that will unlock new opportunities, join HSBC and experience the possibilities. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further.
Wealth and Personal Banking is our new global business combining Retail Banking and Wealth Management; and Global Private Banking, to become one of the world’s largest global wealth managers in assets. Across Asia, where wealth pools are growing faster than in any other region, HSBC’s wealth revenues grew (year-on-year) . Our dedicated colleagues serve millions of customers worldwide across the entire spectrum of private wealth, ranging from personal banking individuals and families, through to business owners, investors and ultra-high-net-worth individuals. We provide products and services such as bank accounts, credit cards, personal loans and mortgages, as well as asset management, insurance, wealth management and private banking that best suit our customers’ needs.
Principal Responsibilities
- Ensure the growth of RBWM business for the branch in line with INM Strategic Plan / AOP projection.
- Contributes to area/ branch profitability.
- A good understanding of HSBC customer proposition and in depth knowledge about the broad range of products and services offered by RBWM.
- Monitors and implements best practices across the region.
- Ensure a consistently high level of product and service delivery across the branch
- Anticipating customer needs and working with sales team to respond appropriately.
- Coach the team to achieve business goals and effectively meet customer need
- Share all examples of best practise to drive overall customer experience.
- Handles customer complaints efficiently within the SLA to the TCF(Transparency and Consent Framework) standards.
- Develop and maintain good customer relations
- Inculcate HSBC values and ensure the TCF(Transparency and Consent Framework ) principles are applied in spirit by all across the region.
- Emphasize on and drive effective customer contact management
- Contributes to enhancing the Bank’s image and visibility in the market place.
- Contribute to subordinate development and boosting branch morale at all times
- Manage, develop and coach all customer facing sales and service staff, creating an environment to exceed individual and branch goals.
- Ensure visibility on the bank floor and facilitate excellent customer service.
- Display high standards around HSBC values and behaviour.
- Accountable for the line management, sales management and coaching of sales and service team.
- Support the recruitment of new members into the team, based on Bank standard process.
- Ensure the EDRAS model is followed effectively and the right product, service and solutions are offered to the customer
- Awareness of the operational risk associated with the role and the action to be taken to minimize the likelihood of operational risk occurring including risk identification, assessment, mitigation and control, loss identification and reporting.
- Maintain HSBC internal control standards, including the timely implementation of internal and external audit points together with any issues raised by external regulators
- Comply with the applicable laws, regulations, Group and local guidelines related to Sanctions and AML policy of HSBC while undertaking various day to day operations
- Remain alert and promptly report to the Sanctions Officer/ INM FCC office/ Line manager ( As applicable and required by the AML and sanction Policy) if a customer is found to be engaging in sanction evasion activities or violations of AML policy or any other related procedures.
- Understand the legal responsibility to be vigilant for unusual activity and reporting of the unusual activities
- Support the Country or Regional FCC AML Office/ AML Investigations by providing additional information when required
- Responsible for attending and successfully completing the AML and Sanctions related assigned training in the mandated timeframe
- Understanding the consequences of failing to attend or successfully complete the training as mandated by the AML Education Lead FCC;
- Requesting additional AML training that you deem necessary or appropriate to perform your jobs through your entity manager
- Demonstrate an understanding of PEP(Politically Exposed Person) acceptance, prohibition, CDD & EDD guidelines in order to ensure that the INM RBWM is fully compliant with the PEP (Politically Exposed Person) LoBP.
- Understand the relatively high reputational risk that arises from any perceived weaknesses in controls in respect of substantial cash deposits or withdrawals activity, wire transfer, monetary instruments and pouch and mail
- Responsible for ensuring that mandatory education / training and other compliance objectives are included in the performance objectives and are completed in a timely manner.
- To be aware and Identify high risk indicators for various products and Services offered by INM RBWM example Cash, insurance, credit cards products etc
- Ensure that all records are obtained in respect of INM RBWM customers or New to bank customer for any products and services provided by HSBC are as per the process laid down.
- Must ensure that the prescribed process is being followed while dealing with non HSBC customers request for monetary instruments and wire transfers
- Ensure Adherence to the regulatory guidelines and internal AML & Sanction Policy of HSBC, which includes pouch and mail, monetary instruments, cash services and payment transparency Line of Business Procedures
- To be aware of AML risk posed by pouch and mail, Monetary instruments, cash services and wire transfer services and should undergo the mandatory training for the same
- Necessary remediation steps needs to be undertaken in case if there is any breach or non-adherence to the policy laid down in the LoBP
- Must undertake necessary due diligence to ensure that the nature of the transaction is in sync with the customer profile, else raise it to line manager for further clarification
- The staff must be aware of the scope of services of various products and services that are offered and those which are prohibited because of the guidelines laid down in the line of Business procedures and must ensure the same is communicated to customer in a effective and polite manner
- Ensure adequate due diligence is undertaken by the Individual/team to ensure that the nature of the various transactions of wire transfer, cash services, monetary instruments are in sync with customer profile
- Manage and drive the collective performance of the sales & service team.
- Maintains and enhances the operational standards and efficiency.
- Maintains HSBC internal control standards, including the timely implementation of internal and external audit points together with any issues raised by external regulators.
- Adherence to the highest standards of risk management, control and compliance and global standards.
- Proactively assisting management in identifying and containing money laundering risk, reporting suspicions monitoring procedures and controls and fostering a compliance culture.
- Ensures all mandatory risk and compliance training is completed by team members on time.
- Ensure all PEPs that are SCCs are assigned to a named Relationship Manager for management of the inherent risks relating to the PEP relationship.
Qualifications - External
- Minimum Bachelor’s degree / Graduation or as required for the role, whichever is higher
- High energy and a tenacious approach
- Excellent sales and people management skills
- Customer driven with a strong focus on meeting needs, sales quality and standards of service
- Strong interpersonal communication skills, especially in motivation, coaching and team leadership
- A strong sense of ownership, responsibility and accountability
- Ability to respond to and lead change on a personal and team level
- Adheres to processes and controls to identify and mitigate risks and ensures timely escalation of control issues and reputation risks.
- Demonstrates leadership on regulatory and compliance matters. Maintains awareness of risk
Pro-tip : Familiarity with AI-enabled tools is an advantage.
- Mandatory to successfully complete Anti-Money Laundering and Sanctions training and post-course assessment, as required.
As an employee, you are required to perform your duties in a professional capacity exercising independent judgement, discretion and decision-making authority in planning, organising, directing work, supervising and appraising the work of team members, as applicable; and taking accountability for delivery outcomes. You will represent the organization with relevant internal and external stakeholders. You will allocate and prioritize work, provide direction and feedback, manage team capacity and leave in line with policy as applicable.
You’ll achieve more at HSBC.
HSBC is committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment.
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