渣打银行
Senior Analyst, TJ CDD
Senior Analyst, TJ CDD
发布于 大约 2 个月前基层主管/组长
天津市
中级经验
全职员工
混合式弹性办公
学历未注明
法务、风险与合规
反洗钱
合规
团队管理
客户尽职调查
沟通能力
银行
风险管理
AML
CDD
AI 估算 · 12k–20k
天津银行合规岗位，中级经验，外资银行薪资有竞争力，但天津生活成本较低，综合月薪约12-20K。
职位详情
关于这个职位
作为渣打银行天津的Senior Analyst, TJ CDD，您将主要负责客户尽职调查（CDD）流程的执行与审核，确保符合集团反洗钱政策及当地监管要求
您需要支持客户经理生成CDD记录，并提供质量控制保证
该职位也涉及团队管理，推动流程数字化创新，以及培养新一代领导者
适合有合规或客户服务经验、注重细节并具备团队协作能力的专业人士
最低要求
Strong team player, able to work in partnership with other individuals on day-to-day and long-term projects
Strong stakeholder management and engagement skills
Solution oriented; able to manage through complex situations and able to work well under pressure with a high degree of accuracy
Strong drive to deliver
Knowledge of Client Management processes and target operating model
Experience in client service and/ or front office experience desirable; good product knowledge and understanding of a wide range of corporate structures
Knowledge of the region – preferably an on-the-job experience in the region
Excellent verbal and written communication skills is essential
Fluency in English both speaking and writing is essential
Project management skills desirable; attention to detail, strong follow-through, and good judgment
工作职责
Strategy**
Manage teams in building a stronger relationship with our clients and customers.
Manage initiatives to innovate and digitize their processes as well as intensifying collaboration across the network.
To accelerate new generation of leaders.
Manage all initiatives to get more fit and flexible in the way we work.
Focus on proving that we are here for good.
Business**
To ensure compliance with the Money Laundering Prevention Policy/Guideline/Procedure and the Code of Conduct;
Maker to perform CDD (Customer Due Diligence) making process according to Group standards and country specific regulations;
Checker to perform CDD (Customer Due Diligence) review checking process according to Group standards and country specific regulations. Provide quality control assurance for the completeness of CDD records and compliance with the Standards.
Support RM in generating CDD records that are consistent with the Standards and any additional local regulatory requirements. Also manage and assist the RMs with CDD Reviews.
Processes**
Maker to perform CDD (Customer Due Diligence) making process according to Group standards and country specific regulations;
Checker to perform CDD (Customer Due Diligence) review checking process according to Group standards and country specific regulations. Provide quality control assurance for the completeness of CDD records and compliance with the Standards.
People and Talent**
Lead through example and build the appropriate culture and values. Set appropriate tone and expectations from their team and work in collaboration with risk and control partners.
Ensure provision of ongoing training and development, to larger teams and ensure that direct reports are suitably skilled and qualified with effective supervision in place to mitigate any risk.
Employ, engage and retain high quality people.
Set and monitor job descriptions and objectives.
Risk Management**
Responsible for the Audit and Risk Control Standard associated with CDD operations.
To report and escalate any potential risk identified as part of daily BAU (Business as Usual);
To ensure no breach of SLA (Service Level Agreement);
To control and enhance efficiency and quality as per team requirements and job objective;
Governance**
Ensuring compliance with the highest standards of regulatory and business conduct and compliance practices as defined by internal and external requirements. This includes compliance with local banking laws and anti-money – laundering regulations and guidelines.
Embed the Group’s values and code of conduct to ensure that adherence with the highest standard of ethics, and compliance with relevant policies, processes and regulations among employees form part of the culture
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.
优先资格
Experience in client service and/ or front office experience desirable; good product knowledge and understanding of a wide range of corporate structures; Knowledge of the region – preferably an on-the-job experience in the region; Project management skills desirable; attention to detail, strong follow-through, and good judgment
AI 洞察
优缺点分析
优点
- 所属的银行合规领域是金融机构核心职能，职业稳定性高，且反洗钱合规需求持续增长
- 渣打银行作为全球性银行，提供国际化平台、完善的培训体系和清晰的职业发展路径
- 天津办公地点生活成本相对较低，且福利优厚，包括退休储蓄、医疗保险和弹性工作制
- 适合注重职业稳定性、对合规风控有热情、做事细致严谨并希望在大型外资金融机构长期发展的求职者
缺点 / 挑战
- 工作内容重复性较高，需处理大量文档和审核流程，可能较为枯燥
- 合规工作压力较大，需要时刻关注监管变化并确保零失误，且可能存在加班情况
- 对英语能力要求高，需要与全球团队沟通，语言门槛可能成为挑战
角色解读
- 在渣打银行合规条线内可晋升为团队主管、高级经理，甚至区域合规负责人
- 积累CDD和反洗钱经验后，可转型为反洗钱调查分析师、合规顾问或风险管理专家
- 通过内部培训和发展项目，有机会轮岗至其他业务线或海外分支机构
- 负责客户尽职调查（CDD）的创建与审核，确保符合集团反洗钱政策和当地法规
- 作为检查员对CDD记录进行质量控制，保证完整性和合规性
- 支持客户经理处理CDD相关事务，并管理团队提升效率与创新能力
- 熟悉反洗钱法规及客户尽职调查流程，具备合规风控意识
- 优秀的沟通与利益相关方管理能力，能够与客户和内部团队协作
- 注重细节，能够在压力下保持高准确性，并具备项目管理经验
- 英语流利，能够处理跨境业务和集团内部沟通
申请策略
- 在求职信中强调对合规工作的热情和对渣打银行价值观的认同
- 面试前了解渣打银行的合规文化和近期反洗钱动态，展现行业洞察
- 突出在银行、金融机构或咨询公司从事客户尽职调查、反洗钱或合规相关的工作经验
- 强调项目管理能力、团队管理经验以及成功推动流程优化的案例
- 展示英语沟通能力（如CET-6、雅思、托福成绩，或海外工作经历）
- 列举熟悉的反洗钱法规（如中国人民银行反洗钱规定、FATF建议等）和相关工具
- 如果缺乏合规经验，可考取CAMS（国际反洗钱师认证）或学习国内反洗钱法规
- 提升Excel和数据分析技能，以应对CDD数据处理和报告需求
面试指南
- STAR法则：描述情境(Situation)、任务(Task)、行动(Action)、结果(Result)，突出合规意识和细节把控
- 展现风险管理思维：先评估风险，再制定措施，最后总结经验
- 团队管理类问题：强调沟通、授权和培训，并举例量化成效
- 请描述你处理过的一个复杂的客户尽职调查案例，你是如何确保合规的？
- 如何在压力下保持高准确性？请举例说明
- 你如何管理团队并推动流程改进？
- 请解释反洗钱中“了解你的客户”（KYC）原则的重要性
- 如果发现一笔交易可能涉及洗钱，你的处理流程是什么？
职位点评
74
综合评分
天津外资金融合规岗，薪资福利优厚，弹性工作，发展路径清晰，但工作内容偏重复，社会影响力有限。
从薪资福利、成长空间、工作节奏和岗位方向综合评估，方便横向比较。
更适合这类人
该职位最适合追求稳定薪资福利、看重国际平台和职业发展的求职者，对工作意义感要求不高。
表现最好
薪资福利
相对薄弱
使命价值
薪资福利80
成长发展75
工作生活70
使命价值60
薪资福利
80较高
该职位提供有竞争力的薪资和全面的福利（退休储蓄、医疗保险、弹性工作制），且作为上市大公司，薪资稳定。但天津地区薪资水平相对一线城市偏低，综合评分为80。
薪资信号未披露（AI估算：12K-20K/月）
福利待遇Core bank funding for retirement savings, medical and life insurance、Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days)、Flexible working options、Proactive wellbeing support through Unmind、A continuous learning culture
成长发展
75中等
渣打银行提供持续学习文化、内部培训和发展机会，职位本身有团队管理职责，有助于领导力发展。但合规领域技术前沿性一般，评分为75。
技术前沿传统/成熟技术
技术栈CDD、AML
成长机会A continuous learning culture、opportunities to reskill and upskill、internal training
业务类型cost_center
工作生活
70中等
提供弹性工作制，但办公室办公为主，天津本地生活节奏适中。未明确提及不加班，合规岗位可能有周期性工作强度。评分为70。
工作模式未明确
办公地点未明确
加班情况未提及（无法判断）
工作生活平衡Flexible working options
使命价值
60中等
反洗钱合规具有社会责任，有助于维护金融体系安全，但作为后台职能，直接社会影响力有限。评分为60。
行业发展稳定成熟行业
社会影响中性/一般
使命信号make a positive difference for our clients, communities, and each other、drive commerce and prosperity through our unique diversity
创新程度稳健跟随主流
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