Customer Care Representative jobs in United States

One client, a major UAE-based bank, is looking for senior and ambitious senior bankers to join the private banking division of the bank as Relationship Managers or Senior Relationship Managers - there are several open positions. A Relationship Manager (RM) or a Senior Relationship Manager (Senior RM) in Private Banking is the cornerstone of a financial institution's service to its most affluent clients. More than just a banker, the RM is a trusted advisor, a financial confidante, and the primary architect of a client's wealth management strategy. This demanding yet rewarding role requires a unique blend of sharp financial acumen, exceptional interpersonal skills, and an unwavering commitment to client success.

The primary objective of a Private Banking RM is to cultivate and nurture long-term, profitable relationships with High-Net-Worth Individuals (HNWIs) and Ultra-High-Net-Worth Individuals (UHNWIs). This involves not only managing their existing assets but also proactively identifying and addressing their evolving financial needs and goals.

Key Responsibilities :

A day in the life of a Private Banking RM is dynamic and multifaceted. Core responsibilities include :

• Client Relationship Management : Building and maintaining strong, trust-based relationships with HNW and UHNW clients in his / her portfolio. This involves regular communication, personalized service, and a deep understanding of their personal and financial circumstances.
• Wealth Management and Financial Strategy : Developing and implementing bespoke financial plans that encompass investment management, wealth structuring, estate planning, and tax optimization. This requires a holistic understanding of the client's risk tolerance, investment objectives, and long-term aspirations.
• Business Development and Client Acquisition : Actively seeking out and onboarding new HNW and UHNW clients to grow the bank's assets under management. This often involves leveraging personal networks, referrals, and attending exclusive events.
• Portfolio Management and Investment Advisory : Providing expert advice on a wide range of investment products, including equities, fixed income, alternative investments, structured products and other wealth and insurance solutions. This includes monitoring portfolio performance and making adjustments as needed in line with market conditions and client goals.
• Coordination with Specialists : Collaborating with a team of in-house experts, such as wealth and product advisors, product development teams, credit / liability products specialists, to deliver comprehensive and tailored solutions to HNW and UHNW clients.
• Risk Management and Compliance : Ensuring that all client activities are conducted in strict adherence to regulatory requirements and the bank's internal policies. This includes conducting thorough due diligence and "Know Your Customer" (KYC) checks.
• Credit and Lending Solutions : Identifying and structuring credit solutions, such as mortgages, and other forms of financing, to meet the specific needs of clients.
• Client Servicing and Issue Resolution : Acting as the single point of contact for all client inquiries and resolving any issues promptly and efficiently.

Requirements

To excel in this senior role, a candidate must possess a strong foundation of knowledge and a specific set of personal attributes :

Educational and Professional Qualifications :

• Education : A bachelor's degree in finance, economics, business administration, or a related field is typically required. A Master of Business Administration (MBA) or a specialized master's degree in wealth management is often preferred.
• Certifications : CISI Level 3, The UAE Financial Rules and Regulations are "must haves" for these senior roles. Additional professional certifications such as the Chartered Financial Analyst (CFA), Certified Financial Planner (CFP) are highly regarded and can be a significant advantage.
• Experience : A proven track record of success in a similar role within private banking or wealth management is a prerequisite. This includes experience in managing a portfolio of HNW and UHNW clients and a demonstrable ability to grow assets under management.

Key Skills :

• Financial Acumen : A deep understanding of financial markets, investment products, and wealth management strategies and principles.
• Relationship Building : Exceptional interpersonal and communication skills with the ability to build rapport and trust with sophisticated clients.
• Sales and Negotiation : Strong business development skills with a proven ability to attract and retain HNW and UHNW clients.
• Analytical and Problem-Solving Skills : The ability to analyze complex financial situations and develop creative, effective solutions.
• Discretion and Integrity : An unwavering commitment to confidentiality and ethical conduct.
• Teamwork and Collaboration : The ability to work effectively with a team of specialists to deliver a seamless client experience.
• Resilience and Drive : The ability to thrive in a high-pressure, target-driven environment, and drive to succeed and reach results.

A very competitive remuneration package shall be discussed with the shortlisted candidates.