Role Responsibilities

• The TB liability and asset book are an integral part of SCB group balance sheet and its role has become more critical in the context of SCB's strategic outlook and the evolving regulatory environment. To deliver the Bank's aspired and sustainable growth, TB liability & balance sheet plan needs to be executed diligently and aligned with the franchise strategy, i.e. lowering our cost of funds, improving ROE, and meeting regulatory requirements such as GSIB, LCR, and Liquidity ratio, optimising Risk Weighted Asset consumption. This role is responsible to lead the development and execution of such plans and deliver the optimal results for the transaction banking business and SCB franchise. Responsible to drive the liability and balance sheet management objectives across the Cash Product set and across the West region within the TB business with the goal of liability optimisation and RWA management.
• This role is mandated to execute and deliver the result to meet (1) client, (2) regulatory and (3) our franchise growth needs which are dynamic in nature and require a highly sophisticated management approach to address.
• The Head of Liability and Balance Sheet Management (LBSM), Cash and West for TB shall be responsible for driving the regulatory (capital and liquidity) and balance sheet agenda for the Transaction Banking business across Cash and for the West Region. The scope covers driving business initiatives that include optimising, Funds Transfer Pricing (FTP) for existing and new products as well as balance sheet optimization.
• The Head of West Liability and Balance Sheet Management, TB will be responsible for executing the global programs in the region and will be responsible for identifying and executing local opportunities

Business:
Balance Sheet Management
Cash

• Collaborate with key partners (e.g. TB Product, TBMT, Treasury, ALCO, CPM, and other Balance Sheet Stakeholders) to drive the Cash balance sheet agenda.
• Work with Cash product teams to substantiate ALCO and Treasury Market discussions and optimize institutional results.
• Be the TB FTP expert to strategize and execute the low-cost liability growth plan
• Work closely with key partners to drive an aligned balance sheet agenda with the franchise partners for (1) Strategic balance sheet management, (2) Optimizing balance sheet, (3) Operational balance sheet management, and (4) Regulatory Balance sheet management
• Work with stakeholders to optimise OPAC treatment.
• As the Global balance sheet expert work with Cash products to develop a Global strategy to optimize the TB business and franchise result.
• Support product innovation and commercialization related to FTP framework, OPAC treatment, interest rate and liquidity risk profiling.
• Manage the change and business impacts of FTP policy, providing TB business insights to address FTP implementation and issues. Manage the execution of FTP to support TB Balance Sheet and business growth
• Optimize the TB liability portfolio that meets all regulatory requirements. Devise liability optimisation plans to maximize profitability and help capture opportunities to support customer business growth.
• Leverage data to develop methodologies for balance sheet management in line with regulatory requirements.

West

• The role will Liaise/partner with country and regional Treasury stakeholders to drive Global agreed initiatives and strategies
• Identify and react to regional balance sheet opportunities and issues and develop solutions and subsequent artefacts to support arguments and socialise solutions
• Liaise/partner with Regional/country TBMT Product teams
• Execute at the Regional/country level
• Lead and participate in country/regional balance sheet committees and forums
• Provide Region/country market (internal and external) insights back to Global L&BS team to influence priorities
• Deliver comms/education/ training materials to regional/country stakeholders.
• Develop KPIs, MI and reporting at the region/country level to monitor performance & identify opportunities .

Risk Management

• Work closely with stakeholders to drive regulatory discussions, e.g. OPAC treatment, interest rate related regulations, and LCR ratio improvement.
• Engage stakeholders across our matrix organisation to drive regulatory and policy advisory discussions.
• Proactively manage and socialize regulatory changes that affect TB's balance sheet and associated revenue
• Partner with Product teams and guide them on how to respond to regulatory changes and maximizing business opportunities.
• Keep abreast of market developments, changing regulatory landscape, business risks and opportunities.
• Keep institutional stakeholders informed of the latest regulatory changes and propose first-mover action plan.
• Ensure compliance with the highest standards of regulatory conduct and compliance standards and practices as defined by internal and external requirements. This includes compliance with anti-money laundering regulations and guidelines
• Ensure that Risk Management matters that are brought to the job-holder's attention are subject to direct remedial action and/or escalated, where appropriate to relevant risk committees
• Escalate to Cash MT, TB MT & Treasury MT and other Regional governance committees or to stakeholders in senior management, risk or control functions as appropriate

Processes

• Develop and deliver high-quality balance sheet training programs to uplift our capability to manage the business more effectively
• Provide FTP, RWA and other balance sheet guidelines, to a wide internal audience
• Support product innovation and commercialization on all aspects of FTP aspects, interest rate and liquidity risk profiling.
• FTP policy management, providing TB business acumen in addressing FTP implementation and issues.
• FTP management to support TB Balance Sheet and business growth.
• Governance of asset booking related to liquidity profiling in line with regulatory guidelines

People & Talent

• Manage a small team in SG and Regional team in NYC/London
• Embed culture of excellence and best practice.
• Lead through example and build the appropriate culture and values. Set appropriate tone and expectations for the team and work in collaboration with risk and control partners
• Lead and reinforce strategic change and develop organization alignment geared towards the overall strategic direction of the TB business to enable effective business performance
• Provide effective leadership to the business, communicate the vision and build commitment and energy to focus on key priorities
• Oversee a talent identification process and sponsor development activities that focus on identified high performing and high potential individuals in the Group's business to ensure a high-quality succession pipeline
• Develop and reward talented people and deliver business goals by active sponsorship and leadership of people management activities

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. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Lead the business to achieve the outcomes set out in the Bank's Conduct Principles: Fair Outcomes for Clients; Financial Crime Compliance; The Right Environment.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
• Proactive management and socialization of changes in regulations that affect TB's business lines.
• Close partnership with Product teams in guiding TB's responses to regulatory changes and maximizing business opportunities.
• Managing impact of regulatory change and assisting in driving SCB's regulatory initiatives with industry bodies.
• Keep abreast of market developments, changing regulatory landscape, impact and business risks and opportunities.

Key stakeholders
Internal

• TB LBSM Head and LBSM team members
• TB Cash Product Organisations
• TB Country and Regional Heads
• TB Finance
• Treasury
• CPM
• Banking
• COO - TB, & COO CIB

External

• Industry bodies on Liquidity & Balance Sheet Management

Our Ideal Candidate

• 10+ years of experience in Banking Industry
• Experience in the financial services industry with subject matter knowledge around Treasury, FTP and liquidity
• Highly analytical with good appreciation of TB Cash products
• Delivery of high quality work, in a limited amount of time
• High levels of drive and resilience
• Ability to operate strategically whilst simultaneously working on the details
• Pragmatic approach to achieving the objectives set, able to flex an approach as needed
• Excellent communication and influencing skills at all levels
• Track record of working in a very organized way, multi-tasking, prioritising, managing data, and setting and achieving deadlines (both short and long term)
• Capacity to think creatively and laterally (outside the box); excellent reasoning skills and the ability to make sound judgments
• Enthusiasm, drive and ability to work in a very fast paced high performance team

Role Specific Competencies

• Compliance -Governance Oversight and Control
• Business - Products and Processes
• Business - Financial Analysis & Control

About Standard Chartered
We'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 term

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, 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.

Visit our careers website www.sc.com/careers