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About Standard Chartered We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.
To us, good performance is about much more than turning a profit. It's about showing how you embody our valued behaviours - do the right thing, better together and never settle - as well as our brand promise, Here for good.
We're committed to promoting equality in the workplace and creating an inclusive and flexible culture - one where everyone can realise their full potential and make a positive contribution to our organisation. This in turn helps us to provide better support to our broad client base.
The Role Responsibilities
Awareness and understanding of the Group ' s business strategy and model appropriate to the role and the ability to assess in the reviews undertaken whether misalignments between strategy and stated risk appetite are occurring or are likely to occur.
Understand and implement the strategic intent and collective agenda in Retail Banking Clients globally.
Good knowledge, awareness and understanding of the wider business, economic and market environment in which the Group operates in respect of the countries reviewed.
Maintain and develop personal risk capabilities and skills to meet ongoing needs and plans.
Work with Retail risk review lead to provide an independent assessment of the credit process and governance against the portfolio framework, Group Policies and Procedures, and Group values.
Ensure effective management of the operational risks within the Function and compliance with applicable internal policies, and external laws and regulations.
Contribute to the continuous improvement of the operational efficiency and effectiveness of the Enterprise Risk review's risk management processes.
Ensure that all work undertaken as a member of the Enterprise Risk Review function is delivered to the highest standards and within agreed budgets each year.
Contribute to the development and maintenance of work programmes which reflect the current business organisation and operating environment.
As directed to perform, support and lead the planning, fieldwork and reporting of Enterprise Risk Reviews engagements to deliver agreed objectives.
To identify and escalate significant issues, and ensure these issues are appropriately tracked and followed up.
Undertake a detailed review of the credit quality to provide assurance of effective planning, communication, control, and risk management.
Execute the Enterprise Risk Review function for Retail Banking and ensure that the programme of reviews is undertaken in accordance with the approved Terms of Reference for the function.
Ensure that reviews provide a combination of assurance and anticipation; that the reports and findings are accepted by the Retail Banking business, and any actions arising there from are followed through to closure.
Identify the positive aspects and areas for improvements in businesses, geographies and thematic risk reviews. Provide constructive and independent feedback on risk issues identified and wherever appropriate, recommend the actions that may be taken to mitigate the issue identified;
Ensure that the reports of the reviews are written on a timely manner and is succinct without missing the key details required to understand the context of the issues identified.
Responsible for assessing the effectiveness of the business unit ' s arrangements to deliver effective country level governance, oversight and controls in the business and if necessary to recommend changes in these areas. Awareness and understanding of the regulatory framework in which the Group operates, and the regulatory requirements and expectations relevant to the role.
Responsible for delivering ' effective governance ' ; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner.
Regulatory & Business conduct
Display exemplary conduct and live by the Group ' s Valued Behaviours and Code of Conduct. Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
Work with wider team to achieve the outcomes set out in the Bank ' s Conduct Principles: Fair Outcomes for Clients. Effective Operation of Financial Markets; Financial Crime Prevention; and The Right Environment.
Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Our Ideal Candidate
Market Knowledge, proven experience in a risk related function, including demonstrated success in a similar role.
Regulatory Framework and Requirements: Awareness and understanding of the regulatory framework in which the firm operates, and the regulatory requirements and expectations relevant to the Enterprise Risk Review function.
Non-technical Skills : Good relationship management skills in a geographically diverse environment, and with key external stakeholders, high credibility with counterparts in the business, demonstrated understanding of and commitment to the Group's core values, excellent communication skills, ability to drive a change agenda.
Technical Skills : Experienced credit officer, reviewer/auditor or business person who is a deep SME (subject matter expert) in Retail banking, including credit and operational risk.
Credit Risk Management or higher level certification for retail banking.
Education: Degree (Bachelor level) or equivalent professional qualification and experience at a senior level in 2 or more roles.
Apply now to join the Bank for those with big career ambitions.
To view information on our benefits including our flexible working please visit our career pages .