Sales Healthy Check and Quality Assurance Specialist

Business Function 

Corporate and Investment Banking provides corporate customers with a full range of commercial banking products and services, including cash management services, current accounts, time deposits, trade finance, working capital finance, term loans and foreign exchange. Through our continued commitment, DBS has cultivated long-standing relationships with its customers in the region that are based on account relationship management, service differentiation, product development and rigorous credit standards. 

Job Description for CDD Checker： 

1. Conduct due diligence on customers during new case review, regular review and trigger review, assist banks in implementing anti-money laundering policies and conduct data analysis and management as needed. 

2. Cooperate with RM/CSO/Maker to understand customers, correctly assess customers‘ anti-money laundering risks, collect documents from customers/public sources, liaise with RM/CSO/Maker and other relevant legal compliance departments and complete high-quality CDD in time . 

3. Provide RM with insight into client AML risk and understand the industry, client information and other relevant factors that may affect the bank‘s AML risk. 

4. Familiar with and flexibly apply all CDD policies and guidelines, and complete all CDDs in accordance with guidelines and policies and regulations. 

5. Work with Financial Crimes and Security Services (FCSS) to provide IBG with a clear AML/CFT advisory and CDD/KYC process. 

6. Work with Compliance, Technology and Operations to manage processes, documentation to comply with regulatory requirements 

7. Ensure all CDD submissions/responses are completed in a timely and accurate manner, checking relevant forms for correctness. 

8. Make sure there are no overdue CDDs and make sure to perform the CDD with a fast TAT and complete all CDD-related exercises by the deadline. Work as a team and support each other to complete daily BAU work and assigned ad-hoc projects. 

Qualification： 

1. good understanding and experiences to AML/KYC & controls 

2. quality skillset to manage data extraction & report production 

3. purpose-driven & relationship-led characters to collaborate with stakeholders. 

4. Language ability: English reading and writing ability - Business level.

Business Function  

The digital revolution is transforming how we live and work, but it also introduces new and complex risks. Digital risk management has become an indispensable function, necessitating a strategic and forward-thinking approach to proactively identify, evaluate, and mitigate potential vulnerabilities that could jeopardize an organization‘s operations, assets, or reputation.  

We are looking for a diligent and proactive Digital Risk and Governance Manager to join our digital banking team. You will be responsible for ensuring compliance, managing risks, and implementing controls for our digital platforms and products.  

Job Description  

In this role, you will:  

1. Collaborate with platform teams to ensure adherence to internal policies and external regulations  

2. Conduct regular risk assessments and recommend improvements to control processes  

3. Act as the main contact for audits and inspections, coordinating responses and tracking remediation  

4. Develop and implement digital banking policies, procedures, and control standards  

5. Monitor regulatory changes and ensure the bank‘s digital offerings remain compliant  

6. Prepare regulatory reports and ad-hoc surveys  

7. Support Digital Banking’s Business Continuity Management plan and processes  

7. Support Digital Banking’s Business Continuity Management plan and processeses, and control standards  

5. Monitor regulatory changes and ensure the bank‘s digital offerings remain compliant  

6. Prepare regulatory reports and ad-hoc surveys  

7. Support Digital Banking’s Business Continuity Management plan and processes

Quick apply follow this link: 

https://ars2.equest.com/?response_id=4d479a73d9526713d5fea9b3ba7ef98d 

DESCRIPTION/RESPONSIBILITIES: 

Business Purpose 

This position exists to achieve the Group Audit’s mission on risk-based audits, by providing an independent appraisal of the adequacy and effectiveness of the risk management, control and governance processes in operation throughout the DBS Group. 

Job Description 

• Manage/conduct audit planning and undertake audit engagements as assigned by the team 

• Plan, execute and complete all audits in accordance with Audit Mandate and professional standards. 

• Execute audits that primarily deal with technology in the areas of IT infrastructure, processes, applications, operations, security and emerging technologies. 

• Use data analytics to increase effectiveness and efficiency of audit coverage 

• Work on initiatives to increase the effectiveness, value and reputation of the audit department such as automation or risk assessments. 

• Advise and apprise promptly on major risks, controls and regulatory issues arisen during the audit. 

• Maintain key relationships with audit teams and stakeholders, raise potential risk and control issues to audit management through continuous monitoring for areas, meanwhile, to design the audit framework for team to execute. 

Requirement 

• Experiences with relevant system management, system development or information security in a financial institution or IT / Information security auditing experience. 

• A financial institution audit or consultancy background is preferred though not mandatory. 

• Degree holder of Information Technology related field such as Computer Science or IT Management. 

• One or more relevant professional qualifications (e.g. CISA, CISM, CISSP, CIA, ISO27001 Lead Auditor, CEH, etc.). 

• Complete regulatory required training for Internal Auditors.

Job Purpose： 

1. To support the profitable growth of the Secured Lending products (Mortgage Loan & Trust Lending) in the Consumer Banking business. 

2. To frame the lending policy, Risk Appetite framework; bureau and score use strategies, portfolio analysis in TW. 

3. To ensure controls over implementation of policy. Ensure that the adequate infrastructure (scorecards, systems, validations, MIS etc) is in place to manage portfolio properly. 

4. To design and execute tests that will enable future growth, strategy optimization, expense savings, or process enhancements. 

5. To ensure compliance with Regional/Group Policy and relevant risk related regulations; ensure compliance with local regulation.  

Key Accountabilities:  

1. To roll-out/enhance the credit lending framework including policies, processes, MIS, controls, etc for the Secured Lending business in TW. 

2. Monitor and validate credit policies, processes, MIS, controls across program and customer lifecycle. Develop tracking standards and review actual results versus benchmark/target with full analyses of any variances. 

3. Working with the Group/Regional Risk teams in evaluating policy change requests and further implement and execute policy strategies. 

4. Identify opportunities to enable digitalization and innovation in credit cycle management processes in acquisition, data analytics and portfolio management.  

5. Support strategic vision for a new operating model in CBG Credit, focusing on innovation, analytics and future-skilling. 

Job Duties and Responsibilities:  

1. Manage policy / processes for Secured Products (Mortgage Loan & Trusting Lending) 

2. Co-work with BU in the preparation & implementation of product programs for Secured Products. 

3. Facilitate regular asset quality reviews with provision of analytics insights to identify risks/ opportunities and recommend relevant actions 

4. Ensure credit policies and program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes in legal /regulatory requirements, business strategies, market environment or portfolio performance 

5. Drive portfolio management initiatives through the credit cycle management framework by working in partnership with product managers, credit systems team, credit operations team and collection team  

6. Work in partnership with credit systems support team to implement key credit policy criteria in relevant credit acceptance & evaluation systems  

7. Escalate on timely basis significant risk issues to business management and manager for taking appropriate remedial actions 

8. Ensure timely completion of RCSAs including appropriate action plans to address identified control gaps 

9. Ensure issues/action plans arising from Risk & Control Self-Assessments, risk events, KRIs, regulatory inspections or other risk issues are properly followed up. 

10. Provide support to ongoing/pipeline digital lending projects including Ecosystem partnership initiatives.

1. Conduct audit planning and undertake audit engagements as assigned by Manager of IT Audit. 

2. Plan, execute and complete all audits in accordance with departmental and professional standards. 

3. Execute audits that primarily deal with technology in the areas of IT infrastructure, processes, applications, operations, security and emerging technologies. 

4. Use data analytics to increase effectiveness and efficiency of audit coverage 

5. Work on initiatives to increase the effectiveness, value and reputation of the audit department such as automation or risk assessments. 

6. Advise and apprise promptly IT Audit Manager and / or Head of Audit for Taiwan of major risks, controls and regulatory issues arisen during the audit. 

7. Maintain key relationships with middle level management and stakeholders, raise potential risk and control issues to audit management through continuous monitoring for areas designated by IT Audit Manager.

1. Conduct IBG TSU review to comply with Group framework. 

2. To ensure the results are formally tracked and reported to management 

3. Monthly report preparation including regional and location 

4. Handle inspection matters in relation to TSU including regulatory audit, local audit and PWC etc. 

5. TSU-RCSA , SCSA TSU-PDPA 

6. EWSS system(transaction surveillance system) , re-platform, rule assessment , UAT, coordinate with group support team and prepare relevant material to committee as necessary. 

7. Conduct training/education to TSU team members to comply with Group and local requirement  

8. Group policy/procedure implementation ， deviation, local addendum as appropriate and communication with Group TSU/local TSU colleagues 

9. TSU local SOP maintenance ( new/update) and communication with TSU colleagues 

10. Taking follow-up actions in accordance with policy , procedure once an STR has been submitted to and FIU. 

11. Disseminating any relevant alerts, notices or reports received from the local FIUs to the appropriate BU/SU for their awareness and learning. 

12. Assisting supervisor or other teams (where appropriate) with respect to suspicious transaction investigations, gathering financial intelligence. 

13. Adhoc task support if necessary.

•Review and roll-out Anti-Money Laundering (AML)/Countering the Financing of Terrorism (CFT) related policies and guidelines for. Conduct Gap Analysis between local regulatory requirements and MAS requirements when changes occur. 

•Understand related business/operation and providing the necessary AML/CFT advice, interpretation and recommendation on existing and new AML/CFT laws and regulations. 

•Assist in supporting the formulation of specific Guides relating to AML/CFT. 

•Facilitate relationship management with regulator. Assist in handling audit/regulatory inspection issues relating to AML/CFT. 

•Maintain AML/CFT policies and standards including relevant KYC/CDD guidelines to support the AML/CFT framework. 

•Provide relevant guidance on regulatory requirements in resolving gaps (where apparent), and report to relevant governance committee(s), as necessary. 

•Gap analysis on regulatory papers relating to KYC/CDD, AML/CFT (as applicable) to provide relevant guidance.  

•Facilitate implementation of AML controls within country, Group, business or functions, depending on regulations.  

•Ensure the Bank/Group has an effective sanctions control framework to manage the bank‘s exposure to sanctions risk. 

•Ensure customers with sanctions exposures are adequately managed to mitigate the risk to DBS.  

•Review and investigate all payment alerts to ensure the bank does not process any payments that may violate sanctions regulations that the bank adopts as a policy. 

•Train staff and develop awareness at all staff levels to ensure they are able to identify potential sanctions risk and mitigate risk. 

•Provide accurate reporting to senior management and the Board for appropriate decisions on bank’s sanctions risk. 

•Provide advisory comments on various products/initiatives. Examples NPA/NPA Lite, Outsourcing Risk Review, RCSA process, Customer Journey and any ad hoc initiatives/projects 

•Conduct periodical ERWA report and filing to regulator accordingly. 

•Conduct BU/SU AML,CFT & Sanction SCSA program and evaluation to comply with regulatory requirement

1.強制執行前置文件準備作業 

2.強制執行繕狀作業 

3.法院來函建檔回覆 

4.其他法務行政事項 

※請至中信官方招募網站投遞履歷： 

https://ctbcholding.wd3.myworkdayjobs.com/zh-TW/External/details/-_JR6300

1. 分析潛在企金目標客戶資料，正確及時完成客戶訪談記錄，以作為日後授信決定的參考 

2. 維護客戶良好關係，並適時處理業務轉介，提供財務解決方案，以滿足客戶需求並達成業務目標 

3. 分析及定期檢視一般客戶資金需求，以明確掌握客戶營運狀況，並避免不良債權的發生 

4. 及時完成授信申請文件及執行核貸後相關作業，以提升作業效率