CDD Advisor

Job Summary

The CDD/FCC Advisor role provides specialist client due diligence, financial crime risk, and policy advisory support for SME and Corporate Banking onboarding, periodic reviews, trigger reviews, and related client lifecycle activities. The role is responsible for advising frontline, Client Management Unit (CMU), CDD Operations (onshore/offshore) and relevant control teams on CDD requirements, risk assessment standards, documentation expectations, escalation handling, and process interpretation. The role supports the delivery of consistent, risk-based, and commercially practical CDD outcomes while ensuring adherence to applicable Group policies, procedures, regulatory expectations, and conduct standards.

Key Responsibilities

• Support the SME and Corporate Banking business model by providing clear, risk-based advisory guidance on client onboarding, review, and maintenance requirements.
• Contribute to the continuous enhancement of CDD standards, controls, and advisory practices to improve quality, consistency, and operational efficiency.
• Promote a balanced approach between business enablement, client experience, regulatory compliance, and financial crime risk management.

• Provide timely advisory support to Relationship Managers, CMU, CDD Operations, Compliance, FCC/FCSO, and other stakeholders on SME and Corporate Banking CDD cases, including complex ownership, sanction escalation, adverse media, industry risk, shell company indicators, and other enhanced due diligence considerations.
• Review and advise on escalated cases, exceptions, policy interpretation queries, and risk-based documentation requirements to enable appropriate client lifecycle decisions.
• Support business teams in understanding CDD requirements on SME and Corporate banking business, including the related parties and beneficiary owner, and resolving advisory queries in a clear, practical, and consistent manner.
• Identify recurring themes, process gaps, and training needs arising from advisory queries and quality assurance observations.

• Apply and interpret relevant CDD, AML, sanctions, customer risk assessment, and client lifecycle procedures for SME and Corporate Banking clients, including the related parties and beneficiary owner, in accordance with Group and local requirements.
• Maintain effective advisory logs, case records, rationale documentation, and audit trails to support transparency, quality assurance, and regulatory review readiness.
• Support the development, review, and communication of process notes, and guidance materials for SME and Corporate Banking, CDD stakeholders.
• Coordinate with Relationship Managers, CMU, CDD Operations, Compliance, FCC/FCSO, and other stakeholders to facilitate timely resolution of cases, rectification items, quality findings, and process clarification requests.

Skills and Experience

• Client Due Diligence / Know Your Customer
• Financial Crime Compliance
• Risk Assessment and Escalation
• Policy Interpretation and Advisory
• Stakeholder Management and Communication
• Process Improvement and Quality Assurance

Qualifications

Education:
• Bachelor’s degree or equivalent professional experience in Business, Finance, Risk Management, Law, Compliance, or a related discipline.
Trainings:
• At least 3 - 5 years of solid experience in FCC and/or CDD within SME and Corporate Banking.
• Knowledge of Corporate Banking operation model in complexity structure is preferable.
• Knowledge of business model in both HK and China is preferable.
• Project Management Experience, MI Analysis Skill, or AI application / adoption experience is preferable.
Licenses:
• Not mandatory unless required by local regulatory or business requirements.
Certifications:
• Professional certifications such as CAMS, ICA, ACAMS, compliance, AML, sanctions, or risk-related qualifications are preferred but not mandatory.
Languages:
• Strong written and spoken English. Chinese language capability, including Cantonese and/or Mandarin, is preferred.

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.