Senior CDD Specialist

About the company

Be our first line of defence. Join our Client Due Diligence team and you’ll tackle any potential risks to keep our business safe. From understanding our clients expected banking activities to combating fraudulent ones, the work you do will be complex and interesting. You’ll be trusted to take on challenging projects that stretch your skills, locally and globally. And you’ll experience the opportunities and rewards that come with protecting an international bank with a long history of helping people prosper.

Our Technology and Operations (TandO) team is the powerhouse for the Bank. We aim to go further, faster, to ensure we're agile and ready for tomorrow, today. Our diverse network enables us to innovate and build banking solutions that support communities to prosper. We're a place where talented people are encouraged to grow, learn, and thrive, to drive their own career journeys, to reach their full potential.

When you work with us, you’re protecting the reputation and legacy of a 170-year organisation and building on it. We’re driven by progress and continuously evolving to ensure we’re agile and ready for tomorrow, today

We're a global bank connecting clients to our differentiated network, offering growth opportunities in the world's most dynamic markets. Our strategy, which combines cross-border capabilities and leading wealth management expertise, helps us deliver our purpose - to drive commerce and prosperity through our unique diversity.

Over our 170-year history, and across a unique geographical footprint connecting Asia, Africa and the Middle East to each other and the world, we've built a bank like no other, with diverse capabilities and partnerships that set us apart.

Your tasks

• We are looking for a highly skilled person, with strong communication skill to support a critical workstream within CDD team focusing on implementing of Projects or Initiatives to comply with Group/Country Policy and Procedure and Strategies
• Execute and implement initiatives and project to ensure the Bank operates in accordance with the relevant laws and regulations, Group/Country policies and standards, especially on AML CDD and FATCA/CRS.

• This role will require production of high-quality and timely output aligned to relevant SCB Polices/Standards, and delivered within prescribe timeline.
• Advice on best project management practices to support the Business to optimise outcomes will also be required.

• Regular outputs will be presented to senior stakeholders

Strategy

• Support the implementation of the vision, strategy, direction and leadership for the WRB CDD team, consistent with the vision and strategy for WRB COO and in support of the Group’s strategic direction and growth aspirations.

Business

• Partner with Relationship Managers, Frontline teams, Compliance, FCC, Tax Operations, and other stakeholders to ensure timely and effective execution of CDD, FATCA and CRS requirements.
• Act as a trusted advisor on complex onboarding, trigger review, periodic review, and remediation cases.

• Review and challenge customer profiles, ownership structures, SOW/SOF information, and supporting documentation to ensure risk-based decision making.
• Serve as an escalation point for complex CDD, sanctions, adverse media, and risk assessment matters

Processes

• Perform end-to-end CDD reviews covering onboarding, periodic reviews, trigger reviews, client remediation, and lifecycle management activities.
• Assess the adequacy and plausibility of SOW/SOF information and ensure appropriate corroboration is obtained in accordance with policy requirements.

• Identify and escalate potential FATCA/CRS indicia discrepancies, undocumented accounts, changes in circumstances, and incomplete tax documentation for remediation.
• Escalate higher-risk or exceptional cases to relevant advisory, compliance, tax, or senior approval authorities in accordance with governance requirements.

• Maintain audit-ready records, clear risk rationale, and robust documentation supporting customer due diligence decisions.
• Monitor case quality, turnaround times, regulatory breaches, and control effectiveness, and support quality assurance reviews.

• Participate in regulatory change initiatives, system enhancements, UAT, workflow optimization, and automation initiatives across CDD, FATCA, and CRS processes.

People and Talent

• Support the CDD Operations Head in overseeing day-to-day operational activities, ensuring effective execution of BAU processes, service delivery standards, and risk management controls.
• To work as a team member who can work in collaboration with risk and control partners.

• Lead through example and build the appropriate culture and values.

Risk Management

• Apply Group and Country CDD policies and processes (AML surveillance, client screening, risk assessment) to manage risks.
• Timely escalation of issues and ensure that necessary actions are taken quickly to remediate and/or activities are ceased.

• Timely review of customer’s profile and related risk and undertake enhanced due diligence on new and existing client
• Review and/ or escalate new or emerging areas of risks of clients subject to review

• Make recommendations to relevant stakeholders on possible risk management responses to identified risks and/ or findings of concern from investigations- at client and portfolio level
• Manage escalations on issues requiring additional assessment and controls.

Governance

• Support and manage checks, queries and any other information requested by auditors (Internal & external)
• Support monthly assurance check and complete submission on time

Regulatory and 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. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.

• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

• Relationship Managers, RB Client onboarding team, Business Banking Team, Country CFCC and Group

Requirements

Our Ideal Candidate

• 5 years plus experience in CDD reviews and/or AML advisory
• In-depth understanding of Financial Crime Compliance risk including Money Laundering risk (CAMS – Certified Anti-Money Laundering Specialist preferred

• Proactive approach to recognising risk and stakeholder needs, solving problems, anticipating issues, and developing solutions, excellent business judgment and strategic thinking.
• Understanding for regional diversity, capacity and curiosity to learn client risk profiles across different markets or complex client structures, to support effective customer due diligence

• Exceptional presentation skills i.e., PowerPoint, Excel
• Bachelor’s degree (or equivalent) in finance, accounting or business management

Must-have Skills

• Analytical Thinking
• Information Capture

• Problem Management Process

Other Skills

• Data Gathering and Reporting
• Operational Functions

• Operational Risk
• Regulatory Environment - Financial Services

What we offer

• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions, and geographies.
• In 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 leave, parental/maternity (20 weeks), sabbatical (12 months 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 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.

Other

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.