Direct Responsibilities

 Ensure clients receive the highest standard onboarding experience 

 1.Work closely with business lines to prioritize onboarding pipeline

 2.Define and deliver the “Onboarding Welcome Pack”

 3.Handhold the client throughout onboarding processes (such as KYC, Tax, Regulatory, etc)

 4.Collection of all onboarding documentation from clients

 5.Pre-empt onboarding process for any blocks and/or add-on work, and escalate as necessary

 6.Effectively communicate the onboarding status to clients and internal stakeholders

 7.Handle onboarding related requests quickly and professionally to reduce any delay and/or loss of business

 8.Responsible for all regulatory onboarding requirements and internal co-ordination with credit & legal team

 9.Continually seek ways to improve the end-to-end process and journey by leveraging on client feedback

10.Ensure clients receive the highest standard available for recertification/account maintenance coordination

11.Facilitate and coordinate recertification/account maintenance process within bank policy and regulation

 12.Identify and verify entities to be recertified with business, affirm recertify strategy and priorities

13.Manage and lead recertification/account maintenance

14.Handhold the client throughout the recertification/account maintenance exercise

 15.Responsible for collecting all document from clients & SBO

16.Serve as ‘Primary Point of Contact’ to communicate and resolve any recertification/account maintenance process issues with business, clients and internal functions

17.Manage and coordinate ad-hoc / partial recertification and account review

  Efficient & effective coordination with all internal teams

 1.Ensure client needs are known and understood by all teams involved, such as Data & Doc Gap Analysis, KYC Analysis, Screening, Referential, Legal and Compliance etc.

 2.Oversee all internal functions and ensure teams adhere to SLAs

 3.Coordinate Reverse Due Diligence requests

 Maintain and report information on onboarding services and quality provided to clients

 1.Contribute to pipeline management and status tracker

Contributing Responsibilities

 1.Contribute to the Permanent Control framework

 2.Contribute to good quality client data

3.Ability to interpret and articulate the guidelines provided by the Group Policies and Procedures to govern the KYC/AML onboarding/recertification/account maintenance process

 Technical & Behavioral Competencies

1.Minimum two years of experience in any of the following areas preferred: Client Onboarding, KYC / AML new account onboarding, Recertification / QDD specialist, KYC Advisory, Compliance, Financial Markets Regulator

 2.General understanding of relevant legal agreements (ISDA/CSA, GMRA, MSFTA, Side Letters, NDA’s, ETSA, Options Agreements etc.) is a plus

3.Able to work independently and to work collaboratively across functions and regions

 4.Highly motivated to enhance client experiences

5.Demonstrates strong communication skills (face-to-face, verbal, and written)

6.Able to organize, evaluate and assess information in order to make recommendations and to escalate when necessary

 7.Excellent interpersonal skills 

8.Self-motivated and attentive in ensuring quality

 9.Able to work under pressure and tight deadlines

10.Demonstrates effective organization and time management skills

 11.Excellent analytical and problem solving skills (Project management experience is a plus)

 12.Fluent in Mandarin & English 

 13.Able to suggest and implement innovative solutions to existing and future issues

 14.Proficient with Microsoft Excel and PowerPoint 

 15.History of achievements in similar previous roles

Position Purpose

To develop and grow the traditional trade business (e.g. LC, BG, draft, trade loan, etc) in China

To provide trade advisory service as to bring value to the client and to work with relationship managers for trade deal structuring

To build a healthy business pipeline to increase the revenues for Traditional Trade

To foster x-selling across flow products (Cash Management, FX etc.).

To control risks and Compliance of flow banking transactions

Responsibilities

–             Commercial performance

•            Maximize our wallet share with existing client, achieve new client acquisitions, sales budget, volume growth & relevant KPIs as defined and agreed with China TB Head

•            Work with Coverage to develop/ maintain a sales pipeline in achieving the budget run-rate

•            Provide trade advisory service as to bring value to the client and to work with relationship managers for trade deal structuring

•            Work with team leader to review trade files as to minimize credit and fraud risk and maximize Return on RWA

•            Follow the business development of the client (and its external environment) and recommend appropriate adjustment to the structure when necessary

•            Maintain a high standard of RFP responses, proposals and presentation materials with an objective of addressing a client’s problem statement and clearly articulating our value proposition.

•            Promote actively the cross-selling to other TB products (Cash Management, Supply Chain, etc.) 

–             Marketing performance

•            Elaborate marketing materials or RFP responses so as to meet up with client’s request

•            Reach out to clients and secure their support in survey and award participation (Focus on Greenwich, The Asset, Adam Smith etc.)

–             Risk and Portfolio Management

•            Comply with the BNPP Group requirements in terms of ethical standards, legal, regulatory and Code of Conducts.

•            Preserve the quality of the portfolio through a disciplined greenlighting process, periodic review of portfolio, in particularly the watch-listed or deteriorating files, regular interaction with team leader, risk and corporate head

•            Review weekly level of the funded assets to be able to react quickly and discuss with team leader on the commercial actions need to be adjusted

–             To participate actively to the digitalization of the trade flows by implementing clients with e-banking, and by providing Product Teams with business intelligence on the market trends

–             Ensure compliance with Bank’s policies/procedures and regulatory requirements, in particular with regards to the KYC responsibilities and duties, as per relevant policies and procedures, and the summary of responsibilities list attached hereto.

–             An appendix (in attachment), is also to be systematically attached to the RM JD:

– Appendix –

Summary of SBO/SCBO Responsibilities pertaining to Know Your Customer and AML/Sanctions Policies

The RM,   who is responsible for the client relationship in the Primary Site/Secondary Site (as defined in the Global KYC Policy):

•            must initiate the KYC on boarding process and is responsible to collect the KYC data (with support of the appropriate teams in charge of due diligence);

•            is primarily responsible for ensuring that customer due diligence has been completed to a satisfactory standard, and is kept up-to-date;

•            makes an assessment whether starting a new relationship or maintaining an existing relationship with a customer is appropriate, in respect of the reputation and the money laundering/terrorist financing/sanctions risks, irrespective of the possible type of business the customer is currently doing or intends to do with the bank. This assessment must be formalized in writing in the KYC package (including a qualitative RM Assessment describing the risks and their mitigants , which is mandatory in all cases);

•            uses the KYC scoring grid and his/her judgment to determine the sensitivity, assisted by the teams in charge of due diligence.  He/she provides the teams in charge of due diligence with the knowledge/details they need when contacts with customers is required;

•            submits the customer’s KYC file to the CAC (Customer Acceptance Committee), as may be required, and provides the CAC with all information and documentation it may require; 

•            contributes to assess the relevance and appropriateness of offering and/or maintaining certain products and services of the Bank in view of the risk profile of the customer;  

•            contributes to the detection of any unusual and/or suspicious transactions by his/her customer with due reporting to a Compliance Officer;

•            and employs his/her best efforts to maintain a thorough knowledge of his/her customer from available documentary sources and regular direct contacts with them.

•            finally, he/she must keep the KYC up-to date in accordance with the Bank’s standards. In particular, he/she must trigger an ad-hoc review as soon as necessary, notably in case of becoming aware of any material adverse information in connection with any of their customers in the field of AML-CTF, in accordance with the relevant KYC policies and procedures.

Case of passporting process: 

•            When acting as Secondary Site RM of Legal Entities benefiting from the passport procedure, responsibility of the Secondary Site RM is to acknowledge and approve, on behalf of the Secondary Site, the KYC onboarding or recertification due diligence (performed and completed by the Primary Site) for Legal Entities being rated medium risk and low risk, and submit the customer’s KYC file to a CAC for a Legal Entity being rated high risk by the Primary Site.

Permanent Control Aspects

–             Direct contribution to BNPP operational permanent control framework.

–             Contribute to the implementation of operational permanent control policies and procedures in day-to-day business activities, such as Control Plan

–             Comply with regulatory requirements and internal guidelines

–             Contribute to the reporting of all incidents according to the Incident Management System

–             Ensure audit recommendations are implemented within the specific timeline.

–      Endeavor to ensure the quality of the Bank’s portfolio remains sound and healthy.

Technical & Behavioral Competencies

–             Sound knowledge/ experience in Trade finance

–             Good presentation and communication skills

–             Be responsible

–             Fluent in English

–             Innovative and proactive mindset 

Specific Qualifications (if required)

–             Degree holder, preferable in Banking and Finance

–             7 years of working experience in banking and/ or treasury function, trade finance preferred

–             Relevant professional certification

Responsibilities

Key Internal / External Relationships

Technical & Behavioral Competencies