稽核處_業務稽核人員（含海外業務）(刊期已經結束)

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.

1. Develop SOP to comply with regional policies and local regulations.  

2. Responsible for driving sales monitoring report enhancement and control points/mechanism by working closely with stakeholders.  

3. Conduct periodic SOP/Boundary list and training.  

4.Timely complete sales surveillance related reports and sales healthy check  

5. Support BIF revision, SCSA, internal/external audit on information request providing.  

6. Sales misconduct investigation  

7. Sales new onboard training