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Universal Banker

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HSBC

24d ago

  • Job
    Full-time
    Junior Level
  • Customer Relations
    Banking & Finance
  • Delhi

AI generated summary

  • You must be a graduate with 2 years of experience, have a solid understanding of branch operations and customer service, and complete AML and sanctions training.
  • You will enhance branch productivity, ensure excellent customer experiences, manage complaints, comply with AML and sanctions policies, and conduct due diligence on customer transactions.

Requirements

  • Graduate with 2 years of experience
  • Holistic understanding of the Branch Operations and Processes of the bank
  • Sound understanding of the company’s customer service requirements
  • Mandatory to successfully complete Anti-Money Laundering and Sanctions training and post-course assessment, as required.

Responsibilities

  • Contributes to improving productivity in the branch
  • Ensure positive customer experience and manage complaints / escalations
  • Establish mutual respect and trust in dealing with others
  • Adherence to overall operational standards set by the bank
  • Comply with the applicable laws, regulations, Group and local guidelines related to Sanctions and AML policy of HSBC while undertaking various day to day operations
  • Remain alert and promptly report to the Sanctions Officer/ INM FCC office/ Line manager (As applicable and required by the AML and sanction Policy) if a customer is found to be engaging in sanction evasion activities or violations of AML policy or any other related procedures.
  • Understand the legal responsibility to be vigilant for unusual activity and reporting of the unusual activities
  • Support the Country or Regional FCC AML Office/ AML Investigations by providing additional information when required
  • Responsible for attending and successfully completing the AML and Sanctions related assigned training in the mandated timeframe
  • Understanding the consequences of failing to attend or successfully complete the training as mandated by the AML Education Lead FCC
  • Requesting additional AML training that you deem necessary or appropriate to perform your jobs through your entity manager
  • Demonstrate an understanding of PEP acceptance, prohibition, CDD & EDD guidelines in order to ensure that the INM RBWM is fully compliant with the PEP LoBP.
  • Understand the relatively high reputational risk that arises from any perceived weaknesses in controls in respect of substantial cash deposits or withdrawals activity, wire transfer, monetary instruments and pouch and mail
  • To be aware and Identify high risk indicators for various products and Services offered by INM RBWM example Cash, insurance, credit cards products etc
  • Ensure that all records are obtained in respect of INM RBWM customers or New to bank customer for any products and services provided by HSBC are as per the process laid down.
  • Must ensure that the prescribed process is being followed while dealing with non HSBC customers request for monetary instruments and wire transfers
  • Ensure Adherence to the regulatory guidelines and internal AML & Sanction Policy of HSBC, which includes pouch and mail, monetary instruments, cash services and payment transparency Line of Business Procedures
  • To be aware of AML risk posed by pouch and mail, Monetary instruments, cash services and wire transfer services and should undergo the mandatory training for the same
  • Necessary remediation steps needs to be undertaken in case if there is any breach or non-adherence to the policy laid down in the LoBP
  • Must undertake necessary due diligence to ensure that the nature of the transaction is in sync with the customer profile, else raise it to line manager for further clarification
  • The staff must be aware of the scope of services of various products and services that are offered and those which are prohibited because of the guidelines laid down in the line of Business procedures and must ensure the same is communicated to customer in an effective and polite manner
  • Ensure adequate due diligence is undertaken by the Individual/team to ensure that the nature of the various transactions of wire transfer, cash services, monetary instruments are in sync with customer profile

FAQs

What is the main purpose of the Universal Banker role at HSBC?

The main purpose of the Universal Banker role is to ensure effective delivery of branch customer interface functions in the front office and teller areas to achieve a high level of customer satisfaction and operational efficiency.

What qualifications are required for the Universal Banker position?

A graduate degree and a minimum of 2 years of experience in branch operations and processes are required.

What kind of training is mandatory for this role?

It is mandatory to successfully complete Anti-Money Laundering (AML) and Sanctions training along with post-course assessment.

How does the role impact customer experience?

The role contributes to improving productivity in the branch, ensuring a positive customer experience, and managing complaints or escalations effectively.

Is teamwork important in this position?

Yes, establishing mutual respect and trust in dealing with colleagues and customers is essential for effective teamwork in this role.

What are some challenges faced in the Universal Banker role?

Challenges include ensuring a positive customer experience consistently, migrating customers to alternate delivery channels, and managing a team of unionized employees.

How does HSBC support employee growth and development?

HSBC is committed to providing continuous professional development, flexible working opportunities, and fostering a diverse and inclusive environment for employees.

What is the significance of operational effectiveness for this role?

Adherence to operational standards and compliance with laws, regulations, and policies related to Sanctions and AML is crucial to maintain operational effectiveness and mitigate risks.

What type of customer base does the Wealth and Personal Banking (WPB) division cater to?

The WPB division serves a wide range of customers, including personal banking individuals and families, business owners, investors, and ultra-high-net-worth individuals.

What is the expectation for team management in this role?

The jobholder may need to manage a team to deliver service propositions, ensuring that the team provides a positive customer experience consistently.

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HSBC

Finance
Industry
10,001+
Employees
1880
Founded Year

Mission & Purpose

Opening up a world of opportunity for our customers, investors, ourselves and the planet. We're a financial services organisation that serves more than 40 million customers, ranging from individual savers and investors to some of the world’s biggest companies and governments. Our network covers 63 countries and territories, and we’re here to use our unique expertise, capabilities, breadth and perspectives to open up a world of opportunity for our customers. HSBC is listed on the London, Hong Kong, New York, Paris and Bermuda stock exchanges.

Culture & Values

  • We value difference

    Seeking out different perspectives

  • We succeed together

    Collaborating across boundaries

  • We take responsibility

    Holding ourselves accountable and taking the long view

  • We get it done

    Moving at pace and making things happen