Universal Banker

HSBC•Chase, IN

13d•Onsite

About The Position

International Wealth and Premier Banking (IWPB) helps deliver on HSBC’s purpose of opening up a world of opportunity by providing our customers with borderless banking and world-class wealth management through best-in-class, mobile-first capabilities, and exceptional people. Our international network and breadth of expertise enable us to support individuals, families, business owners, investors, and entrepreneurs. International Wealth and Premier Banking provides a leading premium proposition through Premier Banking and, together with our Private Bank, are present across the world’s most important markets, booking centres, and corridors most valued by our clients. Our wealth offering is further enhanced through our best-in-class manufacturing capabilities in Asset Management and Insurance. We are currently seeking an experienced professional to join the INM WPB team. In line with the TCF principles the organization has changed its approach from mere transaction processing outlets to need based sales. The PSE would be responsible for implementing TCF principles in his day to day dealing with the customers.The major function of this role is to ensure effective delivery of branch customer interface functions in the front office and teller areas in order to achieve a high level of customer satisfaction along with operational efficiency.

Requirements

Graduate with 2 years of experience
Holistic understanding of the Branch Operations and Processes of the bank
Sound understanding of the company’s customer service requirements

Nice To Haves

Familiarity with AI-enabled tools is an advantage

Responsibilities

Contributes to improving productivity in the branch
Ensure positive customer experience and manage complaints / escalations
Establish mutual respect and trust in dealing with others
Adherence to overall operational standards set by the bank
Comply with the applicable laws, regulations, Group and local guidelines related to Sanctions and AML policy of HSBC while undertaking various day to day operations
Remain alert and promptly report to the Sanctions Officer/ INM FCC office/ Line manager ( As applicable and required by the AML and sanction Policy) if a customer is found to be engaging in sanction evasion activities or violations of AML policy or any other related procedures.
Understand the legal responsibility to be vigilant for unusual activity and reporting of the unusual activities
Support the Country or Regional FCC AML Office/ AML Investigations by providing additional information when required
Responsible for attending and successfully completing the AML and Sanctions related assigned training in the mandated timeframe
Understanding the consequences of failing to attend or successfully complete the training as mandated by the AML Education Lead FCC;
Requesting additional AML training that you deem necessary or appropriate to perform your jobs through your entity manager
Demonstrate an understanding of PEP acceptance, prohibition, CDD & EDD guidelines in order to ensure that the INM RBWM is fully compliant with the PEP LoBP.
Understand the relatively high reputational risk that arises from any perceived weaknesses in controls in respect of substantial cash deposits or withdrawals activity, wire transfer, monetary instruments and pouch and mail
To be aware and Identify high risk indicators for various products and Services offered by INM RBWM example Cash, insurance, credit cards products etc
Ensure that all records are obtained in respect of INM RBWM customers or New to bank customer for any products and services provided by HSBC are as per the process laid down.
Must ensure that the prescribed process is being followed while dealing with non HSBC customers request for monetary instruments and wire transfers
Ensure Adherence to the regulatory guidelines and internal AML & Sanction Policy of HSBC, which includes pouch and mail, monetary instruments, cash services and payment transparency Line of Business Procedures
To be aware of AML risk posed by pouch and mail, Monetary instruments, cash services and wire transfer services and should undergo the mandatory training for the same
Necessary remediation steps needs to be undertaken in case if there is any breach or non-adherence to the policy laid down in the LoBP
Must undertake necessary due diligence to ensure that the nature of the transaction is in sync with the customer profile , else raise it to line manager for further clarification
The staff must be aware of the scope of services of various products and services that are offered and those which are prohibited because of the guidelines laid down in the line of Business procedures and must ensure the same is communicated to customer in a effective and polite manner
Ensure adequate due diligence is undertaken by the Individual/team to ensure that the nature of the various transactions of wire transfer, cash services, monetary instruments are in sync with customer profile
Service proposition is the key differentiator and the jobholder needs to ensure a positive customer experience for all walk-in customers on a consistent basis.
The jobholder will also need to migrate customers in a friendly manager to alternate delivery channels.
The jobholder may have to manage a team of unionised employees to deliver these results, which will be an additional challenge.
Service proposition is a key differentiator in any retail business, and the jobholder needs to ensure a positive customer experience on a consistent basis.
Needs to manage the platform service stream, and ensure increase in customer service quality.
Adheres to processes and controls to identify and mitigate risks and ensures timely escalation of control issues and reputation risks.
Maintains HSBC internal control standards and addresses audit points and/or any issues raised by regulators in a timely manner.