Job Summary

Strategy

• This position plays a key part in driving, designing, and delivering the bank’s digital authentication and fraud prevention capabilities in Hong Kong. Working closely with Local / Group Risk and Fraud teams to set the digital authentication and fraud prevention strategy. This position will also work closely with the Digital Onboarding team to ensure that the customer authentication and fraud prevention controls used during onboarding, digital banking registration and other digital journeys are sufficient.

Business

• SME for the transformation of Digital Authentication within Digital Banking. The successful candidate will lead discussions to build a seamless customer experience for authentication while enhancing the Bank’s digital fraud identification and prevention capabilities. 
• Implement bank wide initiatives to ensure digital authentication and fraud risk and controls are adequately in place. Balancing the solutions between tactical and strategic deliveries to quickly deliver to meet the ever-changing market and regulatory environment
• Working in partnership with product colleagues for new digital products and services journeys to include appropriate authentication controls
• Ability to clearly articulate and communicate new functions and controls introduced and its relevant impact to stakeholders and customers
• Builds a clear roadmap of key capabilities needed to support growth across the business for the end-to-end management of authentication and fraud controls
• Ongoing monitoring of the latest digital identity and fraud trends both internally and externally. Redefine monitoring rules and solutions to protect our customers and the bank. Research the wider industry for new and innovative solutions that could benefit both the Bank and its customers.
• Identify areas for improvement and automation. Implement best practices to enhance efficiency and effectiveness and resolve control issues by driving out enhancements in fraud/operations
• Design communications to educate our customers of the ever-changing MO of fraudsters and how the bank’s enhancements are helping to safeguard their assets
• Collaborate with third party vendors and service providers to implement and enhance controls and regularly evaluate vendor performance and look for improvements

Governance, Processes and Policy 

• Ensure the control measures in place are sufficiently meeting both internal and external standards
•  Manage the digital strategies and policies implementation across applications relevant to authentication and authorization to ensure compliance of firm wide controls framework, governance, and procedures
• Engagement with internal and external review as necessary including HKMA and other regulatory and government bodies.
• Define and document the process flows for authentication and fraud prevention and evaluate the impact from specific system/business changes on the overall customer journey and operational flow
• Delivery of projects in accordance with internal project implementation framework

Regulatory & Business Conduct

• Display exemplary conduct and live by the Group’s Values and Code of Conduct. 
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
• Lead the Group technology teams to achieve the outcomes set out in the Bank’s Conduct Principles. Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.

Key stakeholders

• Hong Kong Wealth and Retail Banking Teams
• Country Digital team
• Country Business Risk Management teams
• Country Technology Risk teams
• Group and Country Compliance and Fraud Teams
• Group Technology Teams

Other Responsibilities

• Embed Here for good and Group’s brand and values in Hong Kong; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures

Skills and Experience

• Digital Authentication
• Digital Fraud Prevention
• Digital Identity
• Digital Customer Journey Design
• Project Delivery
• Vendor Management
• Risk Management and Controls

Qualifications

• At least 8 years of work experience, within which with at least 3 years of experience in retail digital
• Preferred candidate with experience of designing, integrating and implementing customer authentication and fraud detection systems such as TransUnion, Zoloz, Tradelink, iAM Smart, Threatmetrix and Falcon; 
• Strong knowledge in digital identity, digital authentication, and digital fraud prevention capabilities 
• Strong knowledge in the local digital banking landscape and capabilities 
• Prior experience of working with start-ups and Fintechs
• Able to think out-of-the-box, with a can-do attitude
• A natural drive to excel and performance driven
• Proven track record in managing virtual teams to deliver projects
• Exceptional communication skills especially in written Chinese and English
• Proactive, practical, and positive personality

Competencies

• Action Oriented
• Collaborates
• Customer Focus
• Gives Clarity & Guidance
• Manages Ambiguity
• Drives Vision & Purpose
• Decision Quality
• Courage
• Instills Trust
• Strategic Mindset
• Technical Competencies: This is a generic competency to evaluate candidate on role-specific technical skills and requirements

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

www.sc.com/careers