Director, FCSO TM Design & Product Owner

• Own and drive the product vision for Transaction Monitoring (TM) Solution capabilities-from rules-based systems to AI/ML-powered models-across Corporate and Retail Banking.
• Lead TM design initiatives including scenario formulation, data model definition, tuning strategy, and coverage alignment to risk typologies.
• Translate business and regulatory requirements into actionable product features and user stories

• Ensure TM design complies with regulations, including Notice 626/626A and relevant AML/CFT guidelines.
• Act as a key liaison with internal audit, compliance testing, and external regulators during thematic or supervisory reviews.
• Stay current with evolving global AML regulations (FATF, EU AMLD, HKMA, FRB, CBUAE, etc.) and assess implications on TM systems

• Partner with Compliance, Risk, Legal, and Business units to understand emerging risks and ensure TM Design addresses them effectively.
• Engage regulators and internal governance forums in Singapore to review model governance, risk coverage, and performance metrics.
• Collaborate with GBS teams while retaining strategic ownership and final accountability in TM Design.

• Oversee end-to-end implementation lifecycle of TM systems-from design and development to testing and deployment.
• Drive business case development and secure funding for key product initiatives.
• Champion data quality improvements and integration with case management and intelligence platforms

• Provide coaching to peers and new hires to ensure they are highly engaged and performing to their potential.
• 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.
• Foster a collaborative and inclusive team culture that emphasizes innovation, accountability and technical excellence

• Apply Group and FCC policies and processes (AML monitoring) to manage risks.
• Apply risk and data analytic tools/techniques to optimise and tune relevant detection scenarios, and screening and monitoring optimisation solutions.
• Provide typology review coverage based on relevant segments/products and validate appropriate monitoring coverage which is fit-for-purpose.
• Liaise with Business / Segment stakeholders to understand the emanating risks and ensuring those are suitably addressed through the Monitoring coverage.
• Engage Advisory teams on Product Risk Assessment reviews, outlining transaction monitoring coverage against products and rationale for deviations
• Ensure appropriate and valid agreements are in place for consumption of product and segment data for

• Make recommendations (and support in implementation where required) to relevant stakeholders on possible risk mitigants to identified risks or areas of concerns from TM Solutions
• Provide Transaction Monitoring subject matter expertise on outcome of AML Risk Identification and Assessment Methodologies
• Extend support in the implementation of control improvements, enhancements or simplifications proposed by relevant CFCC Advisory functions
• Provide guidance in understanding technical and AML detection related aspects of Transaction Monitoring systems pertinent to a country
• Collaborate with FCC Advisory teams on determining risk tolerances
• Strong interpersonal skills to collaborate effectively with cross-functional teams.

• Attend relevant business / segment / product related working group meetings.
• Ensure tracking and remediation of surveillance and investigations related regulatory findings.
• Report product and segment related matters impacting monitoring in relevant FCC and Upstream Governance Committees
• Provide regular progress updates on agreed mitigation actions concerning TM Design and Product Issues and enhancement

• 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.
• As a people leader contributor to the FCSO TM Solutions to achieve the outcomes set out in the Bank's Conduct Principles
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

• FCSO MT
• Relevant Business teams - CIB & WRB
• Business and segment CFCC Advisory teams
• Group AML RFO / teams
• ITO
• Country/Regional FCC teams
• Audit / Assurance teams
• Group Model Validation/ Group Model Risk Team

• Embed Here for good and Group's brand and values in team
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.

• 12+ years of experience in Financial Crime, AML/CFT, or Risk Technology roles within banking or financial services.
• 5+ years of product ownership or design leadership in transaction monitoring systems (e.g., Actimize, Quantexa, SAS, Oracle Mantas, NICE, etc.).
• Demonstrated knowledge of regulatory frameworks in Singapore and global AML/CFT best practices.

• Experience with data science, model governance, and TM effectiveness testing is preferred.
• Strong stakeholder engagement, leadership, and change management skills.

• Post Graduate degree in Management / Strategic Management

• Experience in AI/ML use cases in financial crime or contextual alerting systems.
• Prior leadership in global financial institutions or large-scale transformation consulting engagements.
• CAMS or equivalent AML certification

• Global Exposure
• Compliance Advisory
• Strategy & Innovation
• Surveillance (Specifically Monitoring)

• 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

• 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.

Standard Chartered