Associate Director, Cash Products at Standard Chartered Bank
Standard Chartered
- Accra
- Permanent
- Full-time
Development and implementation of CIB and CB-specific pricing strategyBusinessResponsibility 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 peoplePeople & TalentThis 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 ManagementAssist 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 knowledgeGovernanceProvide 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 regionKey stakeholdersInternal StakeholdersHead, Transaction Banking, Ghana
Head, Global Banking Clients
Head, Commercial Banking Clients.
Cash Management Operations
Credit
Legal and Compliance
Operational Risk
FinanceExternal StakeholdersCIB and CB Customers
Regulators
CompetitorsOther ResponsibilitiesEmbed 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 CandidateBachelor’s Degree
Language: EnglishRole Specific Technical CompetenciesMarket Knowledge
Business Strategy
Risk Management and control
Governance, Oversight and Control
Financial Analysis and Control
Regulatory Framework and RequirementsAbout Standard CharteredWe're an international bank, nimble enough to act, big enough for impact. For more than 160 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
Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long termIn 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, parental/maternity (20 weeks), sabbatical (12 weeks 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.Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.
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