HSBC
Diversity is in our roots and we continue to bring people and cultures together.
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Diversity and Inclusion

About Us

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HSBC is one of the world’s largest banking and financial services organizations. We serve more than 40 million customers across a network that covers 64 countries and territories, via three global businesses:

  • Commercial Banking
  • Wealth and Personal Banking
  • Global Banking and Markets

We aim to be where the growth is, connecting customers to opportunities, enabling businesses to thrive and economies to prosper, and ultimately helping people to fulfil their hopes and realize their ambitions.

 

HSBC is listed on the London, Hong Kong, New York, Paris and Bermuda stock exchanges. Please keep the last line about joining the talent community.

 

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Commitment to Diversity

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Being inclusive is an expression of our values to be dependable, open and connected. We want HSBC to be a place where people are valued, respected and supported to fulfil their potential – and we foster an environment where people can speak up to remove barriers to success, and collaborate to put the best ideas into practice. Click here to learn more.

Featured Jobs

VP, Retail Business Banking Producing Team Leader
The Retail Bsiness Banking (RBB) proposition is a strategic priority for HSBC and the role of RBB Producing Sales Team Leader is a key role that supports the achievement of the segment objectives.The Retail Business Banking team provides a range of end-to- end solutions designed to help small businesses reach their potential.The RBB Producing Sales Team Leader reports directly to the RBB Team Leader and will manage a team of Relationship Managers (RMs) within the assigned segment. This role is responsible for aiding the Team Leader in delivering strategy within the assigned RBB segment while coaching for improved performance.This role is expected to produce (generate business subject to specific perfomance objectives within assigned market), recruit RMs whiile working to improve the Retail Business Banking Relationship Manager's (RBB RM's), Premier Relationship Manager's (PRM's), Branch Service Manager's (BSM's) and the Branch Manager's (BM's) capability and sales performance in Business Banking.Will develop all retail staff within asiggned segment to be able to provide an outstanding client experience and up-skill RBB RM's, PRMs, BSM's and BM's in the field of Business Banking to improve sales, service and operational activity while improving the productivity of core contributing team members.This role is a key role to faciliate customer engagement with the valuable Business Banking clients and increase Retail Business Banking Relationship Manager's (RBB RM's) client facing time.Role success will be achieved by creating and maintaining an environment where the RBB RMs achieve the RBWM business objectives while providing the highest sales quality and service standards.A key responsibility is to develop the people within the team, leading and coaching them to maximise their performance and realise their potential within HSBC.The role holder will need to demonstrate an extensive knowledge of Business banking products and services and ensure that all activities are undertaken in accordance with all prevailing internal and external policies and guidelines.Impact on the BusinessHelp build a sustainable Business Banking Sales force and significantly improve client engagement activities.Lead and develop a team within assigned segment, establishing behavioural excellence, high engagement and effective performance management for the long term benefit of the bank and the relationships managedTake a hands-on approach in assisting Team Leader in achieving the Group strategy and business objectives for the Retail Business Banking portfolioAttract new business and build a network of business introducers in the local professional and business communityWork closely with the team to manage high value customers and ensure expected customer satisfaction levels are attainedBack Team Leader in maintaining an effective credit and operational risk management framework, price Risk appropriately and minimise impairment chargesKeep up-to-date on knowledge of HSBC's strategy, capabilities and policies and keep abreast of external factors influencing business e.g. economic, cultural, geographical, procedural and regulatory requirementsWork with the broader organization including but not limited to CVM, Business Performance and CART team to ensure end to end delivery of client and account onboarding experience including streamlining process, documentation and understanding / enhancement of systems capabilities.Monitor and drive referrals within RBWM and to other Global Businesses (e.g. Private Banking (PB), Global Banking & Markets (GBM), Commercial Banking (CMB), as appropriateAdopt and ensure fully effective utilization of all tools and systems provided to assist in service and sales deliveryCustomers / StakeholdersBe an ambassador for HSBC and develop the bank's profile in the local business communityBuild strong relationships with HSBC (prospective) customers and third parties (e.g. accountants, lawyers, Trade Advisors and any other international related organizations)Ensure RMs work with Product partners and assist in the delivery of solutions, services and products that are appropriate to meet customer needs and improve customer engagementWork in partnership with colleagues across the HSBC Group to improve connectivity, deliver exceptional standards and quality of service across all interactions with (prospective) customer or other professionalsTake personal ownership of the customer experience, and ensure all team members take personal responsibility for managing their customers' total relationship with HSBCEnsure fairness in all aspects of strategy, product design and delivery, sales processes, customer literature and correspondence, financial promotions, administration and complaint handlingBuild a strong relationship with the Risk Management teams in order to achieve a sustainable asset growthProvide appropriate strategic business ideas based on awareness of market, industry initiatives and customer feedbackParticipate in internal and external business events, road shows and seminars as required by the businessDeliver fair outcomes for our customers and ensure own conduct maintains the orderly and transparent operation of financial marketsLeadership& TeamworkLead, develop and motivate to attract, retain and develop the capacity, capability and talent to ensure delivery of business objectivesSupport Team Leader in communicating a clear vision for Retail Business Banking that is aligned to the overall HSBC Vision, Values and Goals, and inspires and engages people to create an inclusive, high performing, customer-centred cultureSet expectations, share best practice and manage, monitor, coach and develop RBB RM's and others to ensure that they maximize their performance, meet the required standards, and continuously develop their capabilities and experience Lead and encourage teamwork by demonstrating collaboration and matrix management in action and challenging actions and behaviours that are not consistent with HSBC's diversity policy and/or the best interests of the business and its customersOperational Effectiveness & ControlManaging processes for assigned segment, infrastructure and resources needed to deliver agreed team plans and targets, identifying and implementing improvements and collaborating with colleagues to maximize end to end integration, effectiveness and efficiencyCommunicate and adhere to HSBC policy and procedures in order to ensure good operational, financial and project management, policy and procedural compliance and early identification and effective resolution or escalation of issues that arise.Contribute to the development, implementation and maintenance of a management information, analysis and reporting framework that supports and informs timely and effective business management and decision making at all levels.Backing of the Team Leader with the implementation and oversight of policy and governance frameworks, procedures, practices and standards to ensure quality, effective risk management and regulatory complianceSupport the Team Leader with the implementation and monitoring of the application of policies, governance frameworks, procedures, practices and standards to ensure quality, effective risk management and regulatory compliance.In delivering the business objectives, role holders must also maintain the highest standards of risk management, control and compliance required by the Group, closely managing and driving the individual and collective performance of the teamImplementation of the Operating Model requires the role holder to implement the Group standards in customer contact strategy and delivery of those standards in accordance with any country specific requirements (based upon a good understanding of the branch's personal customers, the potential customer base, local market conditions and competitor activity)Monitor and act on daily sales activity management information and other internal information tools, using them to effectively grow or maintain wallet share of clientsManagement of RiskThe jobholder will ensure the fair treatment of our customers is at the heart of everything we do, both personally and as an organization.This will be achieved by consistently displaying the behaviours that form part of the HSBC Values and culture and adhering to HSBC risk policies and procedures, including notification and escalation of any concerns and taking required action in relation to points raised by audit and/or external regulators.The jobholder is responsible for managing and mitigating operational risks in their day to day operations. In executing these responsibilities, the Group has adopted risk management and internal control structure referred to as the 'Three Lines of Defence'. The jobholder should ensure they understand their position within the Three Lines of Defence, and act accordingly in line with operational risk policy, escalating in a timely manner where they are unsure of actions required.Through the implementation the Global AML, Sanctions and ABC Policies, supporting Guidance, and Line of Business Procedures the jobholder will make informed decisions in accordance with the core principles of HSBC's Financial Crime Risk Appetite.The jobholder has responsibility for overseeing and ensuring that Operational risks are managed in accordance with the Group Standards Manual, Risk FIM, & relevant guidelines & standards. The jobholder should comply with the detailed expectations and responsibilities for their core role in operational risk management through ensuring all actions take account of operational risks, and through using the Operational Risk Management Framework appropriately to manage those risks.This will be achieved by:Continuously reassessing risks associated with the role and inherent in the business, taking account of changing economic or market conditions, legal and regulatory requirements, operating procedures and practices, management restructurings, and the impact of new technology.Ensuring all actions take account of the likelihood of operational risk occurring, addressing areas of concern in conjunction with Risk and relevant line colleagues, and also by ensuring that actions resulting from points raised by internal or external audits, and external regulators, are correctly implemented in a timely fashion.Act as a Relationship Manager by offering value-added advice to customers and placing their needs at the forefront of our activity, setting world class standardsGrow sustainable revenues from existing relationships and through acquisition of new customers in line with the Bank's risk appetite and policiesProactively develop effective strategies to manage both existing and new relationships, by anticipating customer needs and providing a superior service and productsDeliver appropriate products and services in response to customer needsBuild a network of business introducers in the local professional and business communitUphold credit policy and lending guidelines whilst maintaining a balanced approach to risk managementKeep up-to-date on knowledge of HSBC's international and domestic strategy, capabilities and policies, and of external factors influencing international and domestic business e.g. economic, cultural, geographical, procedural and regulatory requirementsWork collaboratively with product areas such as Payments and Cash Management (PCM), Trade and Insurance, and other Group partners to assess needs of international and domestic customers and offer solutions that meet their needsGenerate quality assets through the use of appropriate risk management tools, priced appropriately for risk and in line with customer needsProtect the bank's assets and reputation by performing due diligence on the customers and their businesses, monitoring for suspicious activity/transactions and taking appropriate action as per the operating policiesMinimum of 7 years proven and progressive Commercial Banking and or Business Banking experience.Minimum of 3 years sales management experience.Good understanding of the local and international 'Commercial' environment by way of staying current with a broad range of industries and businesses.Strong sales planning, problem solving, lateral thinking, negotiations, team building, organizational and managerial skills.Thorough understanding of customer segmentation and sales management techniques, as well as the businesses, products and related processes supported and the regulations impacting them.Strong business acumen and commercial awareness including economic, cultural, procedural and regulatoryProven track record of delivering sales results.Proven analytical ability, with experience in credit within the Business Banking sector.Strong knowledge of Credit and/or completion of industry recognized program(s)Strong knowledge of the customer service concept and its impact on customer relationships.Ability to work in a fast-paced team-oriented environment and effectively influence, communicate and build relationships with customers, colleagues and key stakeholders.Excellent interpersonal skills and ability to credibly interact and build relationships with senior management.Strong understanding of Microsoft Office (Excel, Word, PowerPoint, Visio)EEO/AA/Minorities/Women/Disability/Veterans
VP, Retail Business Banking Producing Team Leader
The Retail Bsiness Banking (RBB) proposition is a strategic priority for HSBC and the role of RBB Producing Sales Team Leader is a key role that supports the achievement of the segment objectives.The Retail Business Banking team provides a range of end-to- end solutions designed to help small businesses reach their potential.The RBB Producing Sales Team Leader reports directly to the RBB Team Leader and will manage a team of Relationship Managers (RMs) within the assigned segment. This role is responsible for aiding the Team Leader in delivering strategy within the assigned RBB segment while coaching for improved performance.This role is expected to produce (generate business subject to specific perfomance objectives within assigned market), recruit RMs whiile working to improve the Retail Business Banking Relationship Manager's (RBB RM's), Premier Relationship Manager's (PRM's), Branch Service Manager's (BSM's) and the Branch Manager's (BM's) capability and sales performance in Business Banking.Will develop all retail staff within asiggned segment to be able to provide an outstanding client experience and up-skill RBB RM's, PRMs, BSM's and BM's in the field of Business Banking to improve sales, service and operational activity while improving the productivity of core contributing team members.This role is a key role to faciliate customer engagement with the valuable Business Banking clients and increase Retail Business Banking Relationship Manager's (RBB RM's) client facing time.Role success will be achieved by creating and maintaining an environment where the RBB RMs achieve the RBWM business objectives while providing the highest sales quality and service standards.A key responsibility is to develop the people within the team, leading and coaching them to maximise their performance and realise their potential within HSBC.The role holder will need to demonstrate an extensive knowledge of Business banking products and services and ensure that all activities are undertaken in accordance with all prevailing internal and external policies and guidelines.Impact on the BusinessHelp build a sustainable Business Banking Sales force and significantly improve client engagement activities.Lead and develop a team within assigned segment, establishing behavioural excellence, high engagement and effective performance management for the long term benefit of the bank and the relationships managedTake a hands-on approach in assisting Team Leader in achieving the Group strategy and business objectives for the Retail Business Banking portfolioAttract new business and build a network of business introducers in the local professional and business communityWork closely with the team to manage high value customers and ensure expected customer satisfaction levels are attainedBack Team Leader in maintaining an effective credit and operational risk management framework, price Risk appropriately and minimise impairment chargesKeep up-to-date on knowledge of HSBC's strategy, capabilities and policies and keep abreast of external factors influencing business e.g. economic, cultural, geographical, procedural and regulatory requirementsWork with the broader organization including but not limited to CVM, Business Performance and CART team to ensure end to end delivery of client and account onboarding experience including streamlining process, documentation and understanding / enhancement of systems capabilities.Monitor and drive referrals within RBWM and to other Global Businesses (e.g. Private Banking (PB), Global Banking & Markets (GBM), Commercial Banking (CMB), as appropriateAdopt and ensure fully effective utilization of all tools and systems provided to assist in service and sales deliveryCustomers / StakeholdersBe an ambassador for HSBC and develop the bank's profile in the local business communityBuild strong relationships with HSBC (prospective) customers and third parties (e.g. accountants, lawyers, Trade Advisors and any other international related organizations)Ensure RMs work with Product partners and assist in the delivery of solutions, services and products that are appropriate to meet customer needs and improve customer engagementWork in partnership with colleagues across the HSBC Group to improve connectivity, deliver exceptional standards and quality of service across all interactions with (prospective) customer or other professionalsTake personal ownership of the customer experience, and ensure all team members take personal responsibility for managing their customers' total relationship with HSBCEnsure fairness in all aspects of strategy, product design and delivery, sales processes, customer literature and correspondence, financial promotions, administration and complaint handlingBuild a strong relationship with the Risk Management teams in order to achieve a sustainable asset growthProvide appropriate strategic business ideas based on awareness of market, industry initiatives and customer feedbackParticipate in internal and external business events, road shows and seminars as required by the businessDeliver fair outcomes for our customers and ensure own conduct maintains the orderly and transparent operation of financial marketsLeadership& TeamworkLead, develop and motivate to attract, retain and develop the capacity, capability and talent to ensure delivery of business objectivesSupport Team Leader in communicating a clear vision for Retail Business Banking that is aligned to the overall HSBC Vision, Values and Goals, and inspires and engages people to create an inclusive, high performing, customer-centred cultureSet expectations, share best practice and manage, monitor, coach and develop RBB RM's and others to ensure that they maximize their performance, meet the required standards, and continuously develop their capabilities and experience Lead and encourage teamwork by demonstrating collaboration and matrix management in action and challenging actions and behaviours that are not consistent with HSBC's diversity policy and/or the best interests of the business and its customersOperational Effectiveness & ControlManaging processes for assigned segment, infrastructure and resources needed to deliver agreed team plans and targets, identifying and implementing improvements and collaborating with colleagues to maximize end to end integration, effectiveness and efficiencyCommunicate and adhere to HSBC policy and procedures in order to ensure good operational, financial and project management, policy and procedural compliance and early identification and effective resolution or escalation of issues that arise.Contribute to the development, implementation and maintenance of a management information, analysis and reporting framework that supports and informs timely and effective business management and decision making at all levels.Backing of the Team Leader with the implementation and oversight of policy and governance frameworks, procedures, practices and standards to ensure quality, effective risk management and regulatory complianceSupport the Team Leader with the implementation and monitoring of the application of policies, governance frameworks, procedures, practices and standards to ensure quality, effective risk management and regulatory compliance.In delivering the business objectives, role holders must also maintain the highest standards of risk management, control and compliance required by the Group, closely managing and driving the individual and collective performance of the teamImplementation of the Operating Model requires the role holder to implement the Group standards in customer contact strategy and delivery of those standards in accordance with any country specific requirements (based upon a good understanding of the branch's personal customers, the potential customer base, local market conditions and competitor activity)Monitor and act on daily sales activity management information and other internal information tools, using them to effectively grow or maintain wallet share of clientsManagement of RiskThe jobholder will ensure the fair treatment of our customers is at the heart of everything we do, both personally and as an organization.This will be achieved by consistently displaying the behaviours that form part of the HSBC Values and culture and adhering to HSBC risk policies and procedures, including notification and escalation of any concerns and taking required action in relation to points raised by audit and/or external regulators.The jobholder is responsible for managing and mitigating operational risks in their day to day operations. In executing these responsibilities, the Group has adopted risk management and internal control structure referred to as the 'Three Lines of Defence'. The jobholder should ensure they understand their position within the Three Lines of Defence, and act accordingly in line with operational risk policy, escalating in a timely manner where they are unsure of actions required.Through the implementation the Global AML, Sanctions and ABC Policies, supporting Guidance, and Line of Business Procedures the jobholder will make informed decisions in accordance with the core principles of HSBC's Financial Crime Risk Appetite.The jobholder has responsibility for overseeing and ensuring that Operational risks are managed in accordance with the Group Standards Manual, Risk FIM, & relevant guidelines & standards. The jobholder should comply with the detailed expectations and responsibilities for their core role in operational risk management through ensuring all actions take account of operational risks, and through using the Operational Risk Management Framework appropriately to manage those risks.This will be achieved by:Continuously reassessing risks associated with the role and inherent in the business, taking account of changing economic or market conditions, legal and regulatory requirements, operating procedures and practices, management restructurings, and the impact of new technology.Ensuring all actions take account of the likelihood of operational risk occurring, addressing areas of concern in conjunction with Risk and relevant line colleagues, and also by ensuring that actions resulting from points raised by internal or external audits, and external regulators, are correctly implemented in a timely fashion.Act as a Relationship Manager by offering value-added advice to customers and placing their needs at the forefront of our activity, setting world class standardsGrow sustainable revenues from existing relationships and through acquisition of new customers in line with the Bank's risk appetite and policiesProactively develop effective strategies to manage both existing and new relationships, by anticipating customer needs and providing a superior service and productsDeliver appropriate products and services in response to customer needsBuild a network of business introducers in the local professional and business communitUphold credit policy and lending guidelines whilst maintaining a balanced approach to risk managementKeep up-to-date on knowledge of HSBC's international and domestic strategy, capabilities and policies, and of external factors influencing international and domestic business e.g. economic, cultural, geographical, procedural and regulatory requirementsWork collaboratively with product areas such as Payments and Cash Management (PCM), Trade and Insurance, and other Group partners to assess needs of international and domestic customers and offer solutions that meet their needsGenerate quality assets through the use of appropriate risk management tools, priced appropriately for risk and in line with customer needsProtect the bank's assets and reputation by performing due diligence on the customers and their businesses, monitoring for suspicious activity/transactions and taking appropriate action as per the operating policiesMinimum of 7 years proven and progressive Commercial Banking and or Business Banking experience.Minimum of 3 years sales management experience.Good understanding of the local and international 'Commercial' environment by way of staying current with a broad range of industries and businesses.Strong sales planning, problem solving, lateral thinking, negotiations, team building, organizational and managerial skills.Thorough understanding of customer segmentation and sales management techniques, as well as the businesses, products and related processes supported and the regulations impacting them.Strong business acumen and commercial awareness including economic, cultural, procedural and regulatoryProven track record of delivering sales results.Proven analytical ability, with experience in credit within the Business Banking sector.Strong knowledge of Credit and/or completion of industry recognized program(s)Strong knowledge of the customer service concept and its impact on customer relationships.Ability to work in a fast-paced team-oriented environment and effectively influence, communicate and build relationships with customers, colleagues and key stakeholders.Excellent interpersonal skills and ability to credibly interact and build relationships with senior management.Strong understanding of Microsoft Office (Excel, Word, PowerPoint, Visio)EEO/AA/Minorities/Women/Disability/Veterans
Retail Business Banking Relationship Manager
Through Business Banking (BB) our global network offers comprehensive support and services to businesses in the SME market. From expanding overseas to managing the cash and trade flows of an established enterprise, the Business Banking team of Relationship Managers and Product Specialists provides a range of end-to- end solutions designed to help small and large businesses reach their potentialThe Business Banking (BB) Relationship Manager (RM) manages customers within the RM-managed segment, providing dedicated relationship management with accountability for sales, service, risk and operational delivery. Credit risk assessment is a fundamental element of the role.Impact on the Business/FunctionAct as International Relationship Manager by offering value-added advice and guidance to customers and placing their needs at the forefront of our activity, setting world class standardsGrow sustainable revenues from existing relationships and through acquisition of new customers in line with the Bank's risk appetite and policiesBuild a network of business introducers in the local professional and business communityStructure credit facilities to ensure optimum balance between customer and HSBC interests and risk appetiteProactively develop effective strategies to manage both existing and new relationships, by anticipating customer needs and providing a superior service and productsKeep up-to-date on knowledge of HSBC's international and domestic strategy, capabilities and policies, and of external factors influencing international and domestic business e.g. economic, cultural, geographical, procedural and regulatory requirementsWork with product partners such as Payments and Cash Management (PCM), Trade and Insurance to assess needs of international and domestic customers and offer appropriate solutions that meet the customer needsGenerate referrals facilitated via Global Links and local or overseas International Banking Centres (IBCs), whichever appropriate, helping our customers grow their businessGenerate quality assets through the use of appropriate risk management tools, priced appropriately for risk and in line with customer needsAlign to Medium Term Outlook (MTO) and Area Operating Targets defined by the Group (Revenue, Risk Weighted Assets (RWA), Return on RWA (RoRWA)Customers / StakeholdersWork in partnership with colleagues across the HSBC Group to improve connectivity, deliver exceptional standards and quality of service across all interactionsWork with Product partners and other Group partners and assist in the delivery of solutions, services and products that are appropriate to meet customer needs and improve customer engagementEnsure identification of early warning signs and problem relationships and take appropriate action to protect HSBC interestsBuild a strong relationship with the Risk Management teams in order to achieve a sustainable asset growthBe an ambassador for HSBC and develop the bank's profile in the local 'International Business' community, by participating in internal and external business events, road shows and seminars as required by the businessEnsure fairness in all aspects of product delivery, sales processes, customer correspondence and complaint handlingEstablish strong relationships with (prospective) customers and third parties (e accountants, lawyers, trade advisors)Deliver fair outcomes for our customers and ensure own conduct maintains the orderly and transparent operation of financial marketsLeadership & TeamworkSupport achievement of the HSBC vision, Values, goals and culture in personal behaviour, actions and decision makingProvide technical leadership and support technical excellence by searching out external best practice, monitoring technical and professional developments, sharing knowledge and encouraging others to do the same in the best interests of HSBC and its customersEncourage and enable constructive cross-country and cross-business teamwork by demonstrating collaboration and matrix management in action and challenging actions and behaviours that are not consistent with HSBC's diversity policy and/or the best interests of the business and its customersOperational Effectiveness & Control:Develop and recommend changes and improvements to operating models, procedures and practices based on subject matter expertise and understanding of HSBC and market best practiceCommunicate and adhere to HSBC policy and procedures in order to ensure good operational, financial and project management, policy and procedural compliance and early identification and effective resolution or escalation of issues that ariseContribute to the development, implementation and maintenance of a management information, analysis and reporting framework that supports and informs timely and effective business management and decision making at all levelsContribute to the implementation and monitoring of the application of policies, governance frameworks, procedures, practices and standards to ensure quality, effective risk management and regulatory complianceManagement of RiskThe jobholder will ensure the fair treatment of our customers is at the heart of everything we do, both personally and as an organisation.This will be achieved by consistently displaying the behaviours that form part of the HSBC Values and culture and adhering to HSBC risk policies and procedures, including notification and escalation of any concerns and taking required action in relation to points raised by audit and/or external regulators.The jobholder is responsible for managing and mitigating operational risks in their day to day operations. In executing these responsibilities, the Group has adopted risk management and internal control structure referred to as the 'Three Lines of Defence'. The jobholder should ensure they understand their position within the Three Lines of Defence, and act accordingly in line with operational risk policy, escalating in a timely manner where they are unsure of actions required.Through the implementation the Global AML, Sanctions and ABC Policies, supporting Guidance, and Line of Business Procedures the jobholder will make informed decisions in accordance with the core principles of HSBC's Financial Crime Risk Appetite.The following statement is only for roles with core responsibilities in Operational Risk Management (Risk Owner, Control Owner, Risk Steward, Business Risk & Control Management, and Operational Risk FunctionThe jobholder has responsibility for overseeing and ensuring that Operational risks are managed in accordance with the Group Standards Manual, Risk Financial Instruction Manual, & relevant guidelines & standards. The jobholder should comply with the detailed expectations and responsibilities for their core role in operational risk management through ensuring all actions take account of operational risks, and through using the Operational Risk Management Framework appropriately to manage those risks.This will be achieved by:Continuously reassessing risks associated with the role and inherent in the business, taking account of changing economic or market conditions, legal and regulatory requirements, operating procedures and practices, management restructurings, and the impact of new technology.Ensuring all actions take account of the likelihood of operational risk occurring, addressing areas of concern in conjunction with Risk and relevant line colleagues, and also by ensuring that actions resulting from points raised by internal or external audits, and external regulators, are correctly implemented in a timely fashion.Observation of Internal ControlsThe jobholder will adhere to, and be able to demonstrate adherence to, internal controls and will implement the Group compliance policy by adhering to all relevant processes/procedures.The term 'compliance' embraces all relevant financial services laws, rules and codes with which the business has to comply. This will be achieved by adherence to all relevant procedures, keeping appropriate records and, where appropriate, by the timely implementation of internal and external audit points, including issues raised by external regulators.The following statement is only for roles with managerial or specific Compliance responsibilitiesThe jobholder will implement measures to contain compliance risk across the business area. This will be achieved by liaising with Compliance department about business initiatives at the earliest opportunity. Also and when applicable, by ensuring adequate resources are in place and training is provided, fostering a compliance culture and optimising relations with regulators.Minimum of 4 years of experience in financial services managing commercial relationshipsIntegrate and exhibit broad knowledge of HSBC's Group capabilities and Retail Business Banking's proposition and product capabilitiesGood understanding of the local and international 'Commercial' environment by way of staying current with a broad range of industries and businesses.Proven ability in identifying and meeting customer needs through a broad range of products and services.Ability to differentiate from the competition through the delivery of a responsive and proactive relationship management service approach.Engage with clients at a strategic and transactional level.Proven analytical ability, with experience in credit within the Business Banking sector.Strong business acumen and commercial awareness including economic, cultural, procedural and regulatory issues.Excellent interpersonal skills and ability to interact and build relationships with customers, colleagues and key stakeholders.Established record in delivery of customized/flexible solutions appropriate to customer needs.Entrepreneurial and innovative self-starter with minimal direct supervision while working well within a team environment and adhering to HSBC standards.Strong problem solving skills.Work effectively in a fast-paced environment managing work flow across different lines of businesses/departmentsStrong understanding of Microsoft Office (Excel, Word, PowerPoint, Visio)EEO/AA/Minorities/Women/Disability/Veterans
Retail Business Banking Relationship Manager
Through Business Banking (BB) our global network offers comprehensive support and services to businesses in the SME market. From expanding overseas to managing the cash and trade flows of an established enterprise, the Business Banking team of Relationship Managers and Product Specialists provides a range of end-to- end solutions designed to help small and large businesses reach their potentialThe Business Banking (BB) Relationship Manager (RM) manages customers within the RM-managed segment, providing dedicated relationship management with accountability for sales, service, risk and operational delivery. Credit risk assessment is a fundamental element of the role.Impact on the Business/FunctionAct as International Relationship Manager by offering value-added advice and guidance to customers and placing their needs at the forefront of our activity, setting world class standardsGrow sustainable revenues from existing relationships and through acquisition of new customers in line with the Bank's risk appetite and policiesBuild a network of business introducers in the local professional and business communityStructure credit facilities to ensure optimum balance between customer and HSBC interests and risk appetiteProactively develop effective strategies to manage both existing and new relationships, by anticipating customer needs and providing a superior service and productsKeep up-to-date on knowledge of HSBC's international and domestic strategy, capabilities and policies, and of external factors influencing international and domestic business e.g. economic, cultural, geographical, procedural and regulatory requirementsWork with product partners such as Payments and Cash Management (PCM), Trade and Insurance to assess needs of international and domestic customers and offer appropriate solutions that meet the customer needsGenerate referrals facilitated via Global Links and local or overseas International Banking Centres (IBCs), whichever appropriate, helping our customers grow their businessGenerate quality assets through the use of appropriate risk management tools, priced appropriately for risk and in line with customer needsAlign to Medium Term Outlook (MTO) and Area Operating Targets defined by the Group (Revenue, Risk Weighted Assets (RWA), Return on RWA (RoRWA)Customers / StakeholdersWork in partnership with colleagues across the HSBC Group to improve connectivity, deliver exceptional standards and quality of service across all interactionsWork with Product partners and other Group partners and assist in the delivery of solutions, services and products that are appropriate to meet customer needs and improve customer engagementEnsure identification of early warning signs and problem relationships and take appropriate action to protect HSBC interestsBuild a strong relationship with the Risk Management teams in order to achieve a sustainable asset growthBe an ambassador for HSBC and develop the bank's profile in the local 'International Business' community, by participating in internal and external business events, road shows and seminars as required by the businessEnsure fairness in all aspects of product delivery, sales processes, customer correspondence and complaint handlingEstablish strong relationships with (prospective) customers and third parties (e accountants, lawyers, trade advisors)Deliver fair outcomes for our customers and ensure own conduct maintains the orderly and transparent operation of financial marketsLeadership & TeamworkSupport achievement of the HSBC vision, Values, goals and culture in personal behaviour, actions and decision makingProvide technical leadership and support technical excellence by searching out external best practice, monitoring technical and professional developments, sharing knowledge and encouraging others to do the same in the best interests of HSBC and its customersEncourage and enable constructive cross-country and cross-business teamwork by demonstrating collaboration and matrix management in action and challenging actions and behaviours that are not consistent with HSBC's diversity policy and/or the best interests of the business and its customersOperational Effectiveness & Control:Develop and recommend changes and improvements to operating models, procedures and practices based on subject matter expertise and understanding of HSBC and market best practiceCommunicate and adhere to HSBC policy and procedures in order to ensure good operational, financial and project management, policy and procedural compliance and early identification and effective resolution or escalation of issues that ariseContribute to the development, implementation and maintenance of a management information, analysis and reporting framework that supports and informs timely and effective business management and decision making at all levelsContribute to the implementation and monitoring of the application of policies, governance frameworks, procedures, practices and standards to ensure quality, effective risk management and regulatory complianceManagement of RiskThe jobholder will ensure the fair treatment of our customers is at the heart of everything we do, both personally and as an organisation.This will be achieved by consistently displaying the behaviours that form part of the HSBC Values and culture and adhering to HSBC risk policies and procedures, including notification and escalation of any concerns and taking required action in relation to points raised by audit and/or external regulators.The jobholder is responsible for managing and mitigating operational risks in their day to day operations. In executing these responsibilities, the Group has adopted risk management and internal control structure referred to as the 'Three Lines of Defence'. The jobholder should ensure they understand their position within the Three Lines of Defence, and act accordingly in line with operational risk policy, escalating in a timely manner where they are unsure of actions required.Through the implementation the Global AML, Sanctions and ABC Policies, supporting Guidance, and Line of Business Procedures the jobholder will make informed decisions in accordance with the core principles of HSBC's Financial Crime Risk Appetite.The following statement is only for roles with core responsibilities in Operational Risk Management (Risk Owner, Control Owner, Risk Steward, Business Risk & Control Management, and Operational Risk FunctionThe jobholder has responsibility for overseeing and ensuring that Operational risks are managed in accordance with the Group Standards Manual, Risk Financial Instruction Manual, & relevant guidelines & standards. The jobholder should comply with the detailed expectations and responsibilities for their core role in operational risk management through ensuring all actions take account of operational risks, and through using the Operational Risk Management Framework appropriately to manage those risks.This will be achieved by:Continuously reassessing risks associated with the role and inherent in the business, taking account of changing economic or market conditions, legal and regulatory requirements, operating procedures and practices, management restructurings, and the impact of new technology.Ensuring all actions take account of the likelihood of operational risk occurring, addressing areas of concern in conjunction with Risk and relevant line colleagues, and also by ensuring that actions resulting from points raised by internal or external audits, and external regulators, are correctly implemented in a timely fashion.Observation of Internal ControlsThe jobholder will adhere to, and be able to demonstrate adherence to, internal controls and will implement the Group compliance policy by adhering to all relevant processes/procedures.The term 'compliance' embraces all relevant financial services laws, rules and codes with which the business has to comply. This will be achieved by adherence to all relevant procedures, keeping appropriate records and, where appropriate, by the timely implementation of internal and external audit points, including issues raised by external regulators.The following statement is only for roles with managerial or specific Compliance responsibilitiesThe jobholder will implement measures to contain compliance risk across the business area. This will be achieved by liaising with Compliance department about business initiatives at the earliest opportunity. Also and when applicable, by ensuring adequate resources are in place and training is provided, fostering a compliance culture and optimising relations with regulators.Minimum of 4 years of experience in financial services managing commercial relationshipsIntegrate and exhibit broad knowledge of HSBC's Group capabilities and Retail Business Banking's proposition and product capabilitiesGood understanding of the local and international 'Commercial' environment by way of staying current with a broad range of industries and businesses.Proven ability in identifying and meeting customer needs through a broad range of products and services.Ability to differentiate from the competition through the delivery of a responsive and proactive relationship management service approach.Engage with clients at a strategic and transactional level.Proven analytical ability, with experience in credit within the Business Banking sector.Strong business acumen and commercial awareness including economic, cultural, procedural and regulatory issues.Excellent interpersonal skills and ability to interact and build relationships with customers, colleagues and key stakeholders.Established record in delivery of customized/flexible solutions appropriate to customer needs.Entrepreneurial and innovative self-starter with minimal direct supervision while working well within a team environment and adhering to HSBC standards.Strong problem solving skills.Work effectively in a fast-paced environment managing work flow across different lines of businesses/departmentsStrong understanding of Microsoft Office (Excel, Word, PowerPoint, Visio)EEO/AA/Minorities/Women/Disability/Veterans
Personal Banker
This is a branch based customer facing role to generate revenue by meeting customer needs and service where required primarily with Personal Banking and Advance customer segments. This role delivers proposition by providing a consistently excellent customer experience and encouraging customers to use additional channels where appropriate. To undertake simple product sales as appropriate using the EDRAS based sales process to discover customer needs. Provides referrals to Mortgage, Retail Business Banking sales staff and Premier customer segment aligned employees based on customer needs. Primary lobby manager who receives and engages walk-in customers in a friendly and courteous manner. Listens, understands and interprets customer needs and provides options on how they bank with us. Handles less complex customer service requests and pro-actively manages the self-service strategy. This role utilizes a customer lead generation system to provide targeted sales opportunities to current and potential customers. This role also processes and initiates various financial transactions for customers.Impact on the BusinessIs responsible for providing an overall excellent customerexperience and supports all customer segmentsInitiates contact with new and existing customers and offers value added products and services based on customer need and ensures customer understanding of those productsSell appropriate HSBC Bank core financial services products to meet their needs while developing and deepening relationshipsExcludes the sale and referrals of investment and insurance productsExcludes the sales of Consumer Mortgage Products; refer to other specialized product areas, as requiredAccept and process deposits, payments, checks for cashing and other transactions according to established procedures and performance standards.Ready workstation at start of shift; strike and balance cash and transactions at end of shiftCustomers / StakeholdersOwn the customer experience; serve as first point of contact for customers entering the branch; provide a positive first impression through courteous, friendly and efficient customer service and meet customer expectationsFulfill quick customer service needs, resolve service-related issues and provide an excellent customer experience during these interactionsIdentify customer referral opportunities to deepen relationships and complete initial evaluation of customer needs to direct them to the appropriate proposition or product specialist, setting up appointments as required (as the position is not licensed or registered, sales discussions and needs evaluations may not include wealth or mortgage products)Proactively manage the lobby and champion the self-service strategy in the branch by helping educate customers on the alternate channels available and the ATM/Connect Station functionalityEnsure adherence to established customer interaction standards for every transactionEnhance Company image by delivering superior customer serviceIdentify cross-sell opportunities through proper customer profilingSell appropriate core financial services products to meet customer needs while developing and expanding account relationship; excludes sales of Consumer Mortgage Products, investment and insurance productsMeet customer expectations in terms of efficiency, accuracy, timeliness and professionalismDeliver fair outcomes for our customers and ensure own conduct maintains the orderly and transparent operation of financial marketsLeadership & TeamworkPromote and demonstrate alternative delivery channels tocustomers (ATMs, kiosks, online banking) in alignment with ourself-service strategyWork with sales and service personnel within the branch to meet customer needsSupport achievement of the HSBC vision, Values, goals and culture in personal behavior, actions and decision makingTake personal responsibility for understanding and agreeing on performance expectations, completing necessary mandatory training and developing the levels of capability and competence needed to be effective in the roleContribute to team development, effectiveness and success by sharing knowledge and good practice, working collaboratively with others to create a productive, diverse and supportive working environmentEstablish and maintain strong working relationships with colleagues in the wider RBWM businesses and others as appropriate to service client needsRepresent the Company on community organizations and activities to enhance the Company's image and promote and develop additional business through the development and expansion of referral sourcesWork closely with Wealth and Mortgage partners to further develop the client relationshipOperational Effectiveness & ControlExecute operational duties within the branch in support of sales personnel, including processing applications, signature cards, check ordering, etc. to support all branch customer segmentsLive and represent the brand; exemplify the five brand attributes of being perceptive, progressive, responsive, respectful and fair, both internally and externallyEducate, encourage and sell customers on use of alternative delivery channels, including ATMs and telephone and personal internet banking, where appropriateParticipate in training programs to enhance product knowledgeTo implement the Group compliance policy locally by containing compliance risk in liaison with the Head of Group Compliance, Global Business Compliance Officer, Area Compliance Officer or Local Compliance Officer, ensuring adequate compliance resources and training, fostering a compliance culture and optimizing relations with regulatorsComplete other responsibilities, as assignedMajor ChallengesOwning the customer experience within the branchShifting Personal Banking customers to alternative delivery channels in alignment with the self service strategy for this customer segmentCommunicating with customers with tact and diplomacy and presenting a professional image for the branchThe Company seeks to grow its RBWM business through an efficient operation and the pursuit of providing clients with globally consistent experiences, excellent service, and advice on products and services appropriate to client needs to enhance that valueIncreasing net non- premier clientsRole ContextThe jobholder has primary responsibility for leading activities to ensure opportunities are identified and client needs are met effectively, maximizing all available resourcesCompliance with the relevant Group standards including GHQ and the Regulatory organization as applied to the implementation of the RBWM strategy in the USManagement of RiskEnsure compliance, operational risk controls in accordance with HSBC or regulatory standards and policies; and optimize relations with regulators by addressing any issuesPhysical Demands/Work Environment: Very good working conditions. Little or no physical demands. Minimal handling of light materials. The physical demands/work environment described above are representative of those that must be met by an employee to successfully perform the essential duties of the jobReasonable accommodations may be made to enable individuals with disabilities to perform essential dutiesEnsure the fair treatment of our clients is at the heart of everything we do, both personally and as an organization; this will be achieved by consistently displaying the behaviours that form part of the HSBC Values and culture and adhering to the HSBC risk policies and procedures, including notification and escalation of any concerns and taking required action in relation to points raised by audit and/or external regulatorsObservation of Internal ControlsMaintains HSBC internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulatorsAdhere to internal controls and Firm policies. This will be achieved by adherence to all relevant procedures, keeping appropriate records and, where appropriate, by the timely implementation of internal and external audit points, including issues raised by external regulatorsImplement the Group compliance policy by containing compliance risk in liaison with Global Head of Compliance, Global Compliance Officer, Area Compliance Officer or Local Compliance Officer. The term 'compliance' embraces all relevant financial services laws, rules and codes with which the business has to comply. This will be achieved by adhering to all relevant processes/procedures and by liaising with Compliance department about new business initiatives at the earliest opportunity and by ensuring adequate resources are in place and training is provided, fostering a compliance culture and optimizing relations with regulatorsThe incumbent will ensure 100% adherence to completion of HSBC mandatory training and any required compliance and risk-related training courseMinimum of two years proven branch office and/or retail customer service and sales experience or equivalent, including cash handling experienceMinimum of high school diploma or equivalent experience.Proven interpersonal, analytical, organizational, customer service and communications skillsProficiency with personal computers and office machines as well as pertinent mainframe systems and software packagesDemonstrated product and segment knowledge and referral abilitiesOutgoing, self-motivated and ability to initiate conversations with customers and take pro-active approach to dealing with them; as well as communicate with tact and diplomacy and present a professional image for the branchSound knowledge of the customer service concept and its importance in developing and expanding customer relationshipsAbility to work in a team-based environmentEEO/AA/Minorities/Women/Disability/Veterans
Personal Banker
This is a branch based customer facing role to generate revenue by meeting customer needs and service where required primarily with Personal Banking and Advance customer segments. This role delivers proposition by providing a consistently excellent customer experience and encouraging customers to use additional channels where appropriate. To undertake simple product sales as appropriate using the EDRAS based sales process to discover customer needs. Provides referrals to Mortgage, Retail Business Banking sales staff and Premier customer segment aligned employees based on customer needs. Primary lobby manager who receives and engages walk-in customers in a friendly and courteous manner. Listens, understands and interprets customer needs and provides options on how they bank with us. Handles less complex customer service requests and pro-actively manages the self-service strategy. This role utilizes a customer lead generation system to provide targeted sales opportunities to current and potential customers. This role also processes and initiates various financial transactions for customers.Impact on the BusinessIs responsible for providing an overall excellent customerexperience and supports all customer segmentsInitiates contact with new and existing customers and offers value added products and services based on customer need and ensures customer understanding of those productsSell appropriate HSBC Bank core financial services products to meet their needs while developing and deepening relationshipsExcludes the sale and referrals of investment and insurance productsExcludes the sales of Consumer Mortgage Products; refer to other specialized product areas, as requiredAccept and process deposits, payments, checks for cashing and other transactions according to established procedures and performance standards.Ready workstation at start of shift; strike and balance cash and transactions at end of shiftCustomers / StakeholdersOwn the customer experience; serve as first point of contact for customers entering the branch; provide a positive first impression through courteous, friendly and efficient customer service and meet customer expectationsFulfill quick customer service needs, resolve service-related issues and provide an excellent customer experience during these interactionsIdentify customer referral opportunities to deepen relationships and complete initial evaluation of customer needs to direct them to the appropriate proposition or product specialist, setting up appointments as required (as the position is not licensed or registered, sales discussions and needs evaluations may not include wealth or mortgage products)Proactively manage the lobby and champion the self-service strategy in the branch by helping educate customers on the alternate channels available and the ATM/Connect Station functionalityEnsure adherence to established customer interaction standards for every transactionEnhance Company image by delivering superior customer serviceIdentify cross-sell opportunities through proper customer profilingSell appropriate core financial services products to meet customer needs while developing and expanding account relationship; excludes sales of Consumer Mortgage Products, investment and insurance productsMeet customer expectations in terms of efficiency, accuracy, timeliness and professionalismDeliver fair outcomes for our customers and ensure own conduct maintains the orderly and transparent operation of financial marketsLeadership & TeamworkPromote and demonstrate alternative delivery channels tocustomers (ATMs, kiosks, online banking) in alignment with ourself-service strategyWork with sales and service personnel within the branch to meet customer needsSupport achievement of the HSBC vision, Values, goals and culture in personal behavior, actions and decision makingTake personal responsibility for understanding and agreeing on performance expectations, completing necessary mandatory training and developing the levels of capability and competence needed to be effective in the roleContribute to team development, effectiveness and success by sharing knowledge and good practice, working collaboratively with others to create a productive, diverse and supportive working environmentEstablish and maintain strong working relationships with colleagues in the wider RBWM businesses and others as appropriate to service client needsRepresent the Company on community organizations and activities to enhance the Company's image and promote and develop additional business through the development and expansion of referral sourcesWork closely with Wealth and Mortgage partners to further develop the client relationshipOperational Effectiveness & ControlExecute operational duties within the branch in support of sales personnel, including processing applications, signature cards, check ordering, etc. to support all branch customer segmentsLive and represent the brand; exemplify the five brand attributes of being perceptive, progressive, responsive, respectful and fair, both internally and externallyEducate, encourage and sell customers on use of alternative delivery channels, including ATMs and telephone and personal internet banking, where appropriateParticipate in training programs to enhance product knowledgeTo implement the Group compliance policy locally by containing compliance risk in liaison with the Head of Group Compliance, Global Business Compliance Officer, Area Compliance Officer or Local Compliance Officer, ensuring adequate compliance resources and training, fostering a compliance culture and optimizing relations with regulatorsComplete other responsibilities, as assignedMajor ChallengesOwning the customer experience within the branchShifting Personal Banking customers to alternative delivery channels in alignment with the self service strategy for this customer segmentCommunicating with customers with tact and diplomacy and presenting a professional image for the branchThe Company seeks to grow its RBWM business through an efficient operation and the pursuit of providing clients with globally consistent experiences, excellent service, and advice on products and services appropriate to client needs to enhance that valueIncreasing net non- premier clientsRole ContextThe jobholder has primary responsibility for leading activities to ensure opportunities are identified and client needs are met effectively, maximizing all available resourcesCompliance with the relevant Group standards including GHQ and the Regulatory organization as applied to the implementation of the RBWM strategy in the USManagement of RiskEnsure compliance, operational risk controls in accordance with HSBC or regulatory standards and policies; and optimize relations with regulators by addressing any issuesPhysical Demands/Work Environment: Very good working conditions. Little or no physical demands. Minimal handling of light materials. The physical demands/work environment described above are representative of those that must be met by an employee to successfully perform the essential duties of the jobReasonable accommodations may be made to enable individuals with disabilities to perform essential dutiesEnsure the fair treatment of our clients is at the heart of everything we do, both personally and as an organization; this will be achieved by consistently displaying the behaviours that form part of the HSBC Values and culture and adhering to the HSBC risk policies and procedures, including notification and escalation of any concerns and taking required action in relation to points raised by audit and/or external regulatorsObservation of Internal ControlsMaintains HSBC internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulatorsAdhere to internal controls and Firm policies. This will be achieved by adherence to all relevant procedures, keeping appropriate records and, where appropriate, by the timely implementation of internal and external audit points, including issues raised by external regulatorsImplement the Group compliance policy by containing compliance risk in liaison with Global Head of Compliance, Global Compliance Officer, Area Compliance Officer or Local Compliance Officer. The term 'compliance' embraces all relevant financial services laws, rules and codes with which the business has to comply. This will be achieved by adhering to all relevant processes/procedures and by liaising with Compliance department about new business initiatives at the earliest opportunity and by ensuring adequate resources are in place and training is provided, fostering a compliance culture and optimizing relations with regulatorsThe incumbent will ensure 100% adherence to completion of HSBC mandatory training and any required compliance and risk-related training courseMinimum of two years proven branch office and/or retail customer service and sales experience or equivalent, including cash handling experienceMinimum of high school diploma or equivalent experience.Proven interpersonal, analytical, organizational, customer service and communications skillsProficiency with personal computers and office machines as well as pertinent mainframe systems and software packagesDemonstrated product and segment knowledge and referral abilitiesOutgoing, self-motivated and ability to initiate conversations with customers and take pro-active approach to dealing with them; as well as communicate with tact and diplomacy and present a professional image for the branchSound knowledge of the customer service concept and its importance in developing and expanding customer relationshipsAbility to work in a team-based environmentEEO/AA/Minorities/Women/Disability/Veterans
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