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In International Wealth and Premier Banking we serve 41 million customers globally, including 6.7 million who are international, from retail customers to ultra high net worth individuals and their families. We help our customers look after their day-to-day finances and manage, protect and grow their wealth. Retail Banking plays a crucial role in executing the International Wealth and Premier Banking strategy, providing strategic advice, frameworks and guidance to markets, that ensure all customer journeys, products and services are sustainable, inclusive and built with customers at the heart. Retail Banking brings together a united retail business, made up of the following global teams: Segments, Retail Products, Shared Services Contact Centre, Distribution and Enablers spanning Customer Experience, Marketing, Data and Analytics, Business Architecture, Sustainability and Inclusion for International Wealth and Premier Banking.
We are currently seeking an ambitious individual to join our Wealth and Personal Banking team in the role of Investment Specialist.
Principal Responsibilities:
Deployed to add value to clients with more complex needs, e.g. top-tier and mid-tier Premier clients and is assigned to a team of Premier Relationship Managers (PRMs).
Assists PRMs in understanding clients better, meeting clients together with PRMs when required, making suitable recommendations and helping clients understand the value and risks of solutions available to them.
Conduct product training to support and deliver new product launches and lead client education events to help client gain better knowledge of financial markets and financial solutions.
Conduct portfolio reviews with PRMs, assess product suitability and market and regulatory change impact to products held by clients as appropriate, identify opportunities and manage risks.
Join PRMs in meeting clients and provide advice, input based on technical knowledge while acting as a second point of contact to PRMs for specific products and solutions.
Communicate effectively with clients on complex technical subjects, helping them to improve understanding of financial markets and the value and risks of financial solutions through educational events.
Initiate and conduct educational events with clients to improve clients’ financial literacy and knowledge of financial markets and solutions.
Collect and apply market and channel intelligence to identify and share competitive gaps, service issues, business opportunities, and challenges with stakeholders.
Ensure that products managed by PRMs have been reviewed by appropriate Product Experts and are suitable for clients based on their risk profiles.
Ensure all processes and procedures are accurate and in accordance with the HSBC Bank policy standards and regulatory requirements
3 to 5 years of working experience as a product specialist or financial advisor.
Strong client skills with the ability to deliver a strong client experience and provide needs-based solutions.
Deep knowledge of specific complex financial solutions and products including the knowledge of financial markets, socia-economic dynamics, and regulatory requirement relevant to the products.
Extensive external market awareness of market conditions, new product solutions, and an understanding of current financial market activities.
Demonstrated ability and experience to correctly identify client needs.
Solid skills to manage consultative sales process.
A solid understanding of global anti money laundering standards.
Team player with collaborative skills.
Knowledge of local and Group compliance regulations.
Specialisation in one or more product categories e.g. Structured Products / FX / Investments / Trusts / Estate Planning / Retirement / Protection / Mortage etc.
Attain appropriate professional and regulatory qualifications as required by market.
Attain any internal standards as required by country.
Ambitious about providing the highest standards of delivery to colleagues and clients.
Technical coaching skills in area of expertise.
Experienced group presenter.
Proven ability in customising presentations to meet individual client needs.
A mature individual able to instill confidence with colleagues and clients alike.
Opening up a world of opportunity
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Issued by HSBC Bank Malaysia Berhad
