CDD Specialist, CDD Operations

Job ID: 41462

Location: Singapore, SG

Area of interest: Retail Banking

Job type: Regular Employee

Work style: Hybrid Working

Opening date: 19 Nov 2025

RESPONSIBILITIES

Strategy

• Support the implementation of the vision, strategy, direction and leadership for the WRB CDD team, consistent with the vision and strategy for WRB COO and in support of the Group's strategic direction and growth aspirations.

Business

• Provide CDD advisory in client level to business in relations to AML/CFT matters.
• Support relevant stakeholders to make decisions based on current and possible future policies, practices, and trends.
• Assist Line Manager to keep track of and provide advice to relevant stakeholders on the interpretation and application of policies related to CDD

Processes

• Provide CDD advisory in client level to business in relations to AML/CFT matter
• Proficient in Mandarin language since certain documents will be in Mandarin for review.
• Experience in reviewing Source of Wealth and related documents.
• Review relevant policies/processes in relations to CDD compliance, aligning to relevant regulatory and group requirements.
• Support the implementation of policies and standards to ensure compliance with such policies and standards.

People & Talent

• To work as a team member who can gel and work in collaboration with risk and control partners.
• Lead through example and build the appropriate culture and values.

Risk Management

• Apply Group and Country CDD policies and processes (AML surveillance, client screening, risk assessment) to manage risks.
• Assess risks arising from products / segments / geographies / customers / transactions.
• Timely escalation of issues and ensure that necessary actions are taken quickly to remediate and/or activities are ceased.
• Undertake enhanced due diligence on new and existing medium/higher risk
• Review and/ or escalate new or emerging areas of risks for all clients including P risk rated clients and Group Sensitive Clients relevant clients such as adverse media/sanctions review
• Timely review of customer's profile and related risk
• Make recommendations to relevant stakeholders on possible risk management responses to identified risks and/ or findings of concern from investigations- at client and portfolio level
• Manage escalations on issues requiring additional assessment and controls.

Governance

• For Audit (Internal & external), manage checks, queries and any other information requested by auditors.
• Review and manage monthly assurance check and complete submission on time

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.

Key Stakeholders

• Retail Branch, RB Client onboarding team, Business Banking Team, Country CFCC and Group

Our Ideal Candidate

• 4+ years working experience in performing CDD reviews in a Bank environment
• Has good awareness of Risk concerns and is able to identify and address such risk concerns independently.
• Proficient in handling CDD Reviews for Retail clients. Having CDD knowledge on Retail is an advantage.
• Conversant and have good understanding in handling of client reviews relating to Periodic, Trigger and New Client Onboarding
• Able to review and assess on High Risk clients who is involved with Risk Events like PEP, Adverse Media, Sanctions, etc
• Experience in writing and reviewing Source of Wealth for High Net Worth clients
• Clear understanding on the constituents of SOW requirements and how such information is to be obtained and documented as part of client wealth journey
• Conversant on the type of documents required as part of a CDD Review or for purposes of Corroboration, etc
• Analytical mind and ability to articulate the risk concerns and mitigants to complete the review.
• Proficient in Mandarin language since certain documents will be in Mandarin for review

Role Specific Technical Competencies

• Meticulous and eye for details
• Fast learner and efficient
• Stake holder management
• Familiar with MAS regulations and requirement towards AML standards for banks in Singapore

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.

Recruitment Assessments

Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.

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