Role Summary
As a Standard Chartered Relationship Manager, you will be responsible for managing and developing relationships with high-profile clients to drive business growth and meet the bank's strategic objectives. You will provide exceptional customer service through the provision of tailored financial solutions while managing operational risk and regulatory requirements.
About Wealth and Retail Banking
We are an international bank serving individuals and businesses in the world's most dynamic markets. We help manage and grow their wealth and expand their businesses at home and overseas through our inter-connected global network.
Key Responsibilities
Engaging and Deepening Client Relationships
- Develop a comprehensive understanding of high-net-worth client profiles, including their assets, financial goals, and preferences to tailor interactions effectively.
- Utilize data-driven insights and analytics to identify and execute timely, relevant conversations that enhance client value and satisfaction.
Product Knowledge and Needs Identification
- Offer expert guidance on individual banking products, including a diverse range of wealth management offerings tailored to meet affluent client needs.
Client Meetings and Deep Selling
- Conduct regular in-person meetings (at least quarterly) to address advisory requirements and strengthen client relationships.
- Seamlessly connect clients with specialist teams to meet complex or specific financial needs.
- Facilitate product setup, complete periodic Customer Due Diligence (CDD) reviews, and ensure efficient fulfillment and activation of banking services.
Servicing and Client Support
- Delegate routine servicing requests to Client Service Officers or Managers, allowing focused attention on high-value advisory activities.
- Provide timely, client-centered support as required, addressing queries and ensuring an exceptional client experience.
Acquisition via Referrals
- Engage referred prospects through detailed remote introductions and preparation, focusing on establishing trust and understanding their financial aspirations.
- Initiate follow-up engagement with high-net-worth clients and senior executives (C-level) demonstrating advanced banking needs, ensuring clarity on services and onboarding requirements.
In-Person Client Engagement and Training
- Conduct face-to-face meetings to actively listen, assess client needs in depth, and propose suitable anchor and supplementary products to foster financial growth.
- Manage account setup including Customer Due Diligence (CDD) processes, ensuring compliance with regulatory standards.
- Educate clients on utilizing digital platforms (online banking, ATMs, Client Centres), empowering them with self-service capabilities for enhanced banking convenience.
Regulatory & Business Conduct
- Display exemplary conduct and live by the Group’s Values and Code of Conduct.
- Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank.
- Ensure compliance with all applicable laws, regulations, guidelines, and the Group Code of Conduct.
- Verify and scan customer instructions and manage card/security pins where applicable.
AML & CDD Compliance
- Ensure that Anti-Money Laundering (AML) requirements are followed.
- Take all reasonable steps to verify and identify customers.
- Retain adequate records of identification, account opening, and transactions.
- Make prompt reports of suspicious transactions and activities through appropriate internal channels.
Skills and Experience
- Multi-Product Knowledge: In-depth understanding of banking and wealth products for affluent clientele.
- Market Awareness: Up-to-date insights into market trends, competitor offerings, and economic factors.
- Interpersonal Skills: Ability to build trust, demonstrate empathy, and nurture long-term relationships.
- Communication: Articulate financial concepts clearly and present complex solutions confidently.
- Negotiation: Skilled in managing discussions, addressing concerns, and cultivating consensus.
- Problem-Solving: Proactively identifying challenges and devising effective, timely solutions.
Qualifications
- Academic: BA/BSc/HND degree.
- Professional: CISI certification is highly desirable.
