Relationship Manager / Senior Relationship Manager
BNP Paribas Personal Finance
Hong Kong
4小时前

pertaining to

Know Your Customer and AML / Sanctions Policies

The RM, when acting as SBO / SCB :

  • must initiate the KYC on boarding process and is responsible to collect the KYC data (with support of the appropriate teams in charge of due diligence);
  • is primarily responsible for ensuring that customer due diligence has been completed to a satisfactory standard, and is kept up-to-date;
  • makes an assessment whether starting a new relationship or maintaining an existing relationship with a customer is appropriate, in respect of the reputation and the money laundering / terrorist financing / sanctions risks, irrespective of the possible type of business the customer is currently doing or intends to do with the bank.
  • This assessment must be formalized in writing in the KYC package (qualitative SBO opinion describing the risks and their mitigants is mandatory in all cases);
  • uses the KYC scoring grid and his / her judgment to determine the sensitivity, assisted by the teams in charge of due diligence.
  • He / she provides the teams in charge of due diligence with the knowledge / details they need when contacts with customers is required;
  • submits the customers KYC file to the CAC (Customer Acceptance Committee), as may be required, and provides the CAC with all information and documentation it may require;
  • contributes to assess the relevance and appropriateness of offering and / or maintaining certain products and services of the Bank in view of the risk profile of the customer;
  • contributes to the detection of any unusual and / or suspicious transactions by his / her customer with due reporting to a Compliance Officer;
  • and employs his / her best efforts to maintain a thorough knowledge of his / her customer from available documentary sources and regular direct contacts with them;
  • finally, he / she must keep the KYC up-to date in accordance with the Banks standards. In particular, he / she must trigger an ad-hoc review as soon as necessary, notably in case of becoming aware of any material adverse information in connection with any of their customers in the field of AML-CTF, in accordance with the relevant KYC policies and procedures.
  • Control Aspect

  • Direct contribution to BNPP operational permanent control framework
  • Responsible for the implementation of operational permanent control policies and procedures in day-to-day business activities, such as Control Plan
  • Responsible for ensuring team members comply with regulatory requirements and internal guidelines
  • Responsible for reporting all incidents according to the Incident Management System
  • Responsible for ensuring job descriptions are written, distributed and updated
  • Essential Technical Knowledge / Skills :

  • Previous private banking experience is a must
  • Client-focused with excellent interpersonal and communication skills
  • Ability to discuss and have the knowledge of the full range of PBA products
  • Ability to expand client network
  • Familiar with procedures and documentation requirements
  • A team player with good initiative and team spirit
  • Good PC and English writing skills
  • Qualifications and Experience :

  • University degree
  • At least 7 years private banking experience including credit and marketing
  • Must fulfil the fit and proper criteria for SFC & HKMA
  • Competencies :

  • Familiar with activities in worlds bourses (foreign exchange market activities, stock exchange market activities)
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