Job Description

The successful candidate will join the

Business Risk and Control Management (BRCM) - Anti-Financial Crime

team within Group Retail ("GR"), supporting a wide range of banking segments and products. This role focuses on managing AML risks, strengthening governance, and ensuring compliance with regulatory requirements.

Key Responsibilities:

Formulate, implement, and strengthen governance over risk frameworks, policies, and procedures to ensure compliance with all applicable legislations, including Anti-Money Laundering (AML) regulations. Liaise with internal stakeholders to identify priority areas for review based on control criticality, emerging risks, and regulatory focus. Provide effective challenge and advisories on existing controls and AML policies. Review and monitor GR's AML policies and guidelines, ensuring adherence and effectiveness. Collaborate with multiple internal stakeholders to deliver desired outcomes and coordinate risk-related initiatives. Identify key emerging risks within GR or the industry and recommend risk mitigation measures or controls. Ensure risk issues highlighted by various risk functions (e.g., Group Compliance, Group Audit) are addressed and communicated appropriately. Work with Group Compliance and other internal risk departments to coordinate activities, avoid duplication, and improve overall effectiveness. Partner with Business Units and GR Data Analytics teams on risk management initiatives to enhance operational efficiency and proactive risk identification. Support Business Units/Support Units in risk identification, escalation, and remediation processes. Monitor the effectiveness of controls via dashboards, audit reports, and fair dealing scorecards. Prepare comprehensive risk management reports for internal stakeholders. Provide guidance to BRCMs in overseas locations and share best practices and implementation insights across the Group. Articulate and present risk-related matters to senior internal and external stakeholders, including regulators and external auditors. Keep GR informed of latest developments and best practices in risk management and regulatory compliance. Conduct training sessions as required to enhance awareness and compliance culture.

Skills & Competencies:

Strong knowledge of

Anti-Money Laundering (AML)

regulations and financial crime risk management. Understanding of

banking products and retail banking segments

. Experience in

risk assessment, control testing, and risk reporting

. Ability to

identify emerging risks

and recommend mitigation strategies. Strong

written and verbal communication skills

; able to engage and influence senior stakeholders, regulators, and auditors. Proficient in

Microsoft 365 applications

(Word, Excel--charts, pivot tables, formulas, PowerPoint); familiarity with

Power BI

or other analytics tools is a plus. Collaborative and proactive with strong

stakeholder management

skills. Ability to

conduct training sessions

and guide regional teams on risk management initiatives. * Familiarity with

risk dashboards

, data visualization, and reporting tools.