Treasures Relationship Manager, GBA & Taiwan District, Consumer

1. Acquire new high net-worth customers and solicit business opportunities through proactive cross-selling, referrals and personal business connections 

2. Identify customer needs through financial analysis and deliver customer-focused banking and wealth management solutions to enhance customer experience 

3. Collaborate with experience product specialists in offering professional advice to meet the customers‘ investment goals and needs 

4. Grow and maximize the revenue potential of this customer group by building strong customer relationships and delivering differentiated solutions

公司部門簡介 

作為亞洲領先的銀行，我們個人銀行集團致力幫助客戶實現夢想和抱負。作為消費銀行業務的市場領導者，我們擁有全方位的產品和服務，包括存款、投資、保險、按揭、信用卡和個人貸款，以幫助我們的客戶在每個人生階段實現他們的夢想和願望。 

主要職責 

• 通過交叉銷售、推薦、個人業務聯繫等方式獲得新的富裕客戶並尋求商機 

• 根據客戶的情況提供合適的理財產品/服務，向客戶推廣和解釋產品及其相關風險 

• 通過財務需求分析/規劃確定客戶需求，並為廣泛的銀行，保險和投資產品（例如投資概況審查，投資組合管理）提供適當的解決方案 

• 向客戶更新最新的產品/市場信息及其帳戶狀態，以提高利用率和產品滲透率，並通過 投資組合審查和交叉銷售增加客戶錢包的份額 

• 遵守合規和監管要求以及行為準則，特別是適用於銷售過程的要求和行為準則，即銷售人員的許可和健身與適當性，KYC (Know Your Customer)，FNA (Financial Needs Analysis)，PDPO (Personal Data Privacy Ordinance) 反洗錢和文件完整性在用戶口開立和每筆交易中 

• 遵守銀行的政策、標準、操作指引/程序、保安及內部監控措施。對跨境營銷規則保持敏感和熟悉

(A) Promotion of Financial Planning Services and Wealth Mgt Products 

1) Acquire new affluent customers and solicit business opportunities through cross selling, referral, personal business connections, etc. 

2) Identify customer needs through financial needs analysis / planning and provide appropriate solutions on a broad range of banking, insurance & investment products (e.g. investment profile review, portfolio mgt.).  

3) Offer suitable wealth management products/services in accordance with the customers’ profile, promote and explain the products & their associated risks, if any, to the customers. 

4) Attend to customers’ queries on wealth management incl. investment & treasury products needs. 

5) Perform CRM call activities in line with Relationship Management Model and other sales-related duties as assigned by DBS Treasures Centre Manager &/or Branch Manager. 

6) Responsible for meeting all sales and business targets assigned so as to ensure maximum contribution to the revenue of DBS Treasures. 

7) Perform RI regulated activities and TR insurance activities 

8) Attend all relevant training and briefings and reflect customer feedback & competitive situation and recommend suggestions to DBS Treasures Centre Manager &/or Branch Manager.  

(B) Relationship Building and Account Servicing  

1) Maintain regular contact with existing customers to build & deepen relationship and reduce attrition.  

2) Update customers on the latest product/market information and their account status to increase utilization & product penetration and increase share of customer’s wallets through portfolio review and cross selling. 

3) Handle enquiries and execute financial transactions/orders & operations for customers. 

4) Keep attuned to the current economic and financial markets so as to be current and proficient in attending to customers’ queries.  

5) Make cross referral of other consumer banking products to the appropriate staff for follow-up. 

(C) Customer Experience Management 

1) Provide superior customer service and professional financial solutions through discreet financial needs analysis / planning that satisfies customers’ changing financial needs.  

2) Achieve and exceed the service standards set by the Bank.  

3) Conduct regular business trips to deepen relationship with offshore clients 

(D) Audit and Compliance Control 

1) Adhere to bank’s policies, standards, operations guidelines/ procedures, security and internal control measures. 

2) Comply with the compliance and regulatory requirements and code of conduct, particularly those applicable to the course of selling, i.e. sales staff’s licensing and fitness & properness, KYC, FNA, PDPO anti-money laundering & documentation completeness in a/c opening & in each deal. 

3) Comply with the registered capacity as well as any conditions imposed by the HKMA. This includes compliance with the applicable requirements of the Code of Conduct for Persons Licensed by or Registered with the SFC. 

4) Compliance with Cross-border Marketing and Sales Policy and Standard. 

(E) Teamwork 

1) Work hand in hand with fellow colleagues and working partners to ensure that all objectives of the team are met and there is team harmony and unity.