Senior Analyst, FCC Investigations

Job ID: 29131

Location: Mumbai, IN

Area of interest: Governance, Risk Management & Compliance

Job type: Regular Employee

Work style: Office Working

Opening date: 30 Jun 2025

Key Responsibilities

Strategy

• Ensure that there is adequate support (people, processes, tools, frameworks, systems) in the respective team for necessary FCC controls.

Business

• Support relevant stakeholders by managing and closing cases inline with group defined CAD
• Provide relevant feedback on cutovers, project go lives and systemic migrations
• Provide relevant feedback on process notes and DOIs
• Provide required MIS and data to assist in any reporting as may be required to the respective team leads

Processes

• Manage and/or resolve Transaction Monitoring (TM) alerts/cases including Automated cases, Credit Card, TBML and Manual Cases.
• Follow the TM Group and Country DOI to process risk events in line with Assess, Analyse, Act (AAA) process and refer/escalate potential suspicious/complex cases that require escalation to ACT
• Assess and raise RFIs wherever required
• Conduct further analysis and escalations using knowledge about complex products
• Assist in implementing and learning of Group and FCC processes/DOIs.
• Assist in MI Reporting, tracking of team productivity, case allocations, etc.
• Provide relevant updates as required on outstanding numbers, closures etc as inputs to various governance forums.
• Provide feedback on Group DOIs, Country addendums
• Participate in UAT, testing, and go live of projects time to time
• Have thorough understanding of the banks TM systems, CDD systems and other source systems related to TM

People & Talent

• Provide mentorship to new joiners to team dynamics is maintained.
• Promote and embed a culture of openness, trust and risk awareness, where ethical, legal, regulatory and policy compliant conduct is the norm.
• Stimulate an environment where forward planning, prioritisation, deadline management and streamlined workflows and collaborative, inclusive yet effective and efficient work practices are the norm.
• Collaborate with training teams to input to training curriculum to support closing of capability gaps.

Risk Management

• Make recommendations (and/or implement) to relevant stakeholders on possible risk management responses to identified risks and/or findings of concerns from investigations.
• Inform the respective team leads of any events which may have potential regulatory breaches (or where risk tolerances have been breached) and ensure that actions are taken quickly to remediate and/or activities are ceased.
• Analyse significant financial crime risk events (e.g. non-compliant transactions, production orders) to ensure that all connected parties, particularly cross-border are identified and highlighted to the team leads where-ever required
• Apply Group and FCC policies and processes (AML surveillance, transaction monitoring , risk assessment) to manage risks.

Governance

• Track significant issues arising from FCC metrics, FCC Assurance activities, Audit reviews and regulatory inspections, providing validation and evidence of issue closure where necessary.
• Propose control improvements, enhancements and simplifications where appropriate.
• Support all control checks undertaken by FCC under the Operational Risk Framework (ORF) and provide related MI for the same

• Periodic reporting and timely escalation of significant risks and issues arising from FCC Monitoring and Assurance activities and assist with related MI to achieve the same

• Be accountable for identification and escalation of potential risks and issues to the team leads for further escalation through appropriate governance channels and the Quality Assurance framework.

• Assist in tracking and remediation of surveillance and investigations related regulatory findings.
• Prepare and cascade lessons learned from audit findings, FCC assurance activities and specific investigations and assist with building training material for enhancing team learning
• Collate, analyse and interpret data in reports as required for relevant governance/risk committees.
• Analyse and interpret data to produce reports that help the bank identify and manage emerging areas of risk / vulnerability and assist in remediation as required.

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.
• Lead the CFCC to achieve the outcomes set out in the Bank's Conduct Principles: Fair Outcomes for Clients; Effective Operation of Financial Markets; Financial Crime Prevention; The Right Environment.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

• Head FCC
• FCC Case Investigation Team / Leads.
• Regional Control Team
• Internal and External reviewers

Other Responsibilities

• Embed Here for good and Group's brand and values in CFCC [country / business unit / team]; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures;

Skills and Experience

• AML Knowledge
• Communication Skills.

Qualifications

• 2 to 5 years of relevant work experience in the following areas:
• Transaction Monitoring / TBAML / Sanctions and screening surveillance skills
• Analysis skills: able to analyze data, working knowledge of Internet and MS Office Suite & independently assimilate, analyse and evaluate information from disperse data sources to determine a course of action (e.g. case closure or escalation), and record and communicate this decision clearly and concisely.
• Banking: knowledge in terms of customers, products and transactions
• Banking operations experience (Client Due Diligence, payments, trade, markets or other) and service-oriented attitude.
• Excellent communication in English (articulation and writing).
• CAMS, CAME, certifications 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.