Senior Insurance Specialist

Standard Chartered; Vancouver; On-site; CAD 65,000 - 85,000; Full time

Job summary

A global financial institution is seeking a motivated professional to drive bancassurance sales and achieve revenue targets in Vancouver. The role requires strong analytical skills and the ability to understand customer needs, while providing training and support. Ideal candidates will have a university degree and experience in financial services. This position offers competitive compensation and a supportive working environment.

Benefits

Competitive salary

Flexible working options

Proactive wellbeing support

Continuous learning culture

Qualifications

• Proven ability to analyze customer needs and recommend suitable financial solutions.
• Experience in sales and tracking of bancassurance products.
• Strong communication skills to effectively train and present to teams.

Responsibilities

• Achieve annual premium and income targets for the branch's bancassurance business.
• Develop sales of bancassurance products and participate in marketing activities.
• Analyze customers' financial situations and recommend appropriate products.

Skills

Sales ability of bancassurance

Banca business data analysis

Training and presentation skills

Application ability of office software

Education

University degree or above

Job description

Overview

Accountability Review:

Understand, acknowledge and comply with the requirements on individual accountabilities and responsibilities of the job set out in applicable local laws and regulations as well as SCB internal policies.
理解、认同并遵守本地法律法规以及渣打内部政策中关于个人问责和职责的要求；

Effectively ensure and intensify internal controls by keeping abreast with developments of applicable local laws and regulations on accountabilities.
跟上本地问责法律法规的发展，以有效地确保并强化内控；

Perform job duties with diligence, contribute to efforts as an individual or as a team member so as to avoid any actual or potential legal sanctions, regulatory penalties, material financial loss, or adverse reputational impact on the Bank.
审慎勤勉地履行岗位职责，以个人或团队成员的身份，为避免任何导致银行遭受或可能遭受法律制裁、监管处罚、重大财务损失或声誉负面影响而做出努力；

Be responsible for failure to follow relevant rules and processes, failure to properly perform the responsibilities, and implement corrections.
对未遵守相关规范和流程、未适当履行职责以及未执行整改措施承担相应责任；

Cooperate with any investigations or reviews on regulatory failure such as accountability review.
配合任何关于违反监管规定的调查或审查，例如，问责审查。

Accountable for Consumer Rights Protection Requirements:

Fully comply with all the regulatory requirements related to Consumer Rights Protection, uphold the robust mindset of Consumer Rights Protection, complete the Consumer Rights Protection themed training and workshop in due course, prevent the potential infringements of consumer rights, participate the public education, EV or other activities to uplift the public awareness about Consumer Rights Protection

General JD

• Understand, acknowledge, and comply with the requirements on individual accountabilities and responsibilities of the job set out in applicable local laws and regulations as well as SCB internal policies.
• Effectively ensure and intensify internal controls by keeping abreast with developments of applicable local laws and regulations on accountabilities.
• Perform job duties with diligence, contribute to efforts as an individual or as a team member to avoid any actual or potential legal sanctions, regulatory penalties, material financial loss, or adverse reputational impact on the Bank.
• Be responsible for failure to follow relevant rules and processes, failure to properly perform the responsibilities, and implement corrections.
• Cooperate with any investigations or reviews on regulatory failure such as accountability review.
• Fully understand the importance of Consumer Rights Protection, prevent damage to consumers’ best interest
• Implement regulatory requirements related to Consumer Rights Protection, ensure to complete relevant trainings.
• Always embed Consumer Rights Protection mindset when performing daily work
• Ensure timeliness and handle customer’s complaint properly

一般职位描述

• 理解、认同并遵守本地法律法规以及渣打内部政策中关于个人问责和职责的要求；
• 跟上本地问责法律法规的发展，以有效地确保并强化内控；
• 审慎勤勉地履行岗位职责，以个人或团队成员的身份，为避免任何导致银行遭受或可能遭受法律制裁、监管处罚、重大财务损失或声誉负面影响而做出努力；
• 对未遵守相关规范和流程、未适当履行职责以及未执行整改措施承担相应责任；
• 配合任何关于违反监管规定的调查或审查，例如，问责审查；
• 在日常工作中，充分理解保护消费者权益的重要性，防止损害消费者的利益；
• 在日常工作中，始终遵守与消费者权益保护相关的法规要求，且确保完成相关培训；
• 在日常工作中，始终谨记以保护消费者权益为基础执行工作；
• 及时、妥善地处理客户投诉。

Key Responsibilities

Key Responsibilities:

• Responsible for achieving the annualized premium and intermediate income targets of the branch's bancassurance business, as well as individual targets based on the IS scorecard.
• Develop the sales of bancassurance products.
• Responsible for the sales and tracking of bancassurance business in the sub, including but not limited to participating in sales interviews, completing sales processes, tracking business performance, analysing customer needs, reviewing insurance policies, sharing cases, and conducting sub-branch training.
• Participate fully in the bancassurance marketing activities of branches and coordinate with local insurance companies to hold customer activities.
• Analyses customers’ personal financial situation and identifies their needs in financial services; and recommends life insurance products and investment-linked products to best suit their needs.
• Implement various tasks arranged by the leader.
• Be responsible for implementing and complying with anti-money laundering requirements when performing their duties.
• Comply with the bank's internal process policies and relevant laws and regulations on the requirements for agency sales of insurance.

主要职责：

• 负责支行银行保险年化保费及中间收入目标以及基于IS平衡计分卡的个人目标的达成。
• 开展代销保险产品销售工作。
• 负责所辖支行银保业务的销售和追踪，包括但不限于参与客户面见，完成销售流程，业务绩效追踪，客户需求分析，保单检视，案例分享和支行培训等。
• 充分参与分支行银行保险营销活动，并协调当地保险公司合作举办客户活动。
• 分析客户的个人财务状况并确定他们对金融服务的需求； 并推荐最适合其需求的人身保险产品。
• 实现领导安排的各项工作。
• 在履行职责时负责实施和遵守反洗钱要求。
• 遵守银行内部流程政策及相关法律法规对代理销售保险的要求。

Key stakeholders

• Branch Manager/RM/ARM/BDE/Service/Product Manager/IA/TS, etc.

Other Responsibilities
Embed Here for good and Group’s brand and values in XXXX [country / business unit / team]; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures; Multiple functions (double hats); [List all responsibilities associated with the role]

The responsibilities above are applicable to both offline and online insurance business.
适用于全体员工 General Job Description applicable to all the roles

• Understand, acknowledge and comply with the requirements on individual accountabilities and responsibilities of the job set out in applicable local laws and regulations as well as SCB internal policies 理解、认同并遵守本地法律法规以及渣打内部政策中关于个人问责和职责的要求.
• Effectively ensure and intensify internal controls by keeping abreast with developments of applicable local laws and regulations on accountabilities 根据本地问责法律法规的发展，以有效地确保并强化内控.
• Perform job duties with diligence, contribute to efforts as an individual or as a team member so as to avoid any actual or potential legal sanctions, regulatory penalties, material financial loss, or adverse reputational impact on the Bank 审慎勤勉地履行岗位职责，以个人或团队成员的身份，为避免任何导致银行遭受或可能遭受法律制裁、监管处罚、重大财务损失或声誉负面影响而做出努力.
• Be responsible for failure to follow relevant rules and processes, failure to properly perform the responsibilities, and implement corrections 对未遵守相关规范和流程、未适当履行职责以及未执行整改措施承担相应责任.
• Cooperate with any investigations or reviews on regulatory failure such as accountability review 配合任何关于违反监管规定的调查或审查，例如，问责审查。

Strategy
Responsible for branch’s Banca revenue target and their individual target based on IS scorecard.

Business
Selling insurance products

Processes
Responsible for Banca business tracking, which includes business performance tracking, portfolio analysis, successful story sharing and outstanding event broadcast.
Work closely with IA and timely update performance of Investment Linked Product (ILP) and market outlook.
Track and ensure Banca license effectiveness of RM.

People & Talent
Provide onsite training on Banca products to frontline to ensure annual 40-hour training required by regulator.

Risk Management
Accountable for implementing and complying with AML requirements when performing duties.

Governance
Compliance with local Regulators and laws – The role holder would be responsible for ensuring 100% compliance with the country laws and regulations. This would involve periodic review of the existing policies of Bancassurance

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.
• [Fill in for regulated roles]
• Lead the [country / business unit / function/XXX [team] to achieve the outcomes set out in the Bank’s Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.] *
• [Insert local regulator e.g. PRA/FCA prescribed responsibilities and Rationale for allocation].
[Where relevant - Additionally, for subsidiaries or relevant non -subsidiaries]
• Serve as a Director of the Board of [insert name of entities]
• Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association (or equivalent)

Skills and Experience

Application ability of office software
Banca business data analysis
Training and presentation skills
Sales ability of bancassurance

Qualifications

EDUCATION UNIVERSITY DEGREE OR ABOVE
TRAINING ALE 36H & ILP 40H
LICENSES 需获得永久有效的《保险代理从业人员资格证书》（简称 ALE 证书）、或通过保险公司组织的书面考试。
MEMBERSHIP Good communication and coaching skill
CERTIFICATIONS
LANGUAGES

Above key responsibilities and selection criteria are the major assessment to assess the staff if qualified during probation and competent after probation. Failing to satisfy any of the aforesaid requirements or failing to pass the CPBB Essentials or Banca Product Certification, the employee will be deemed not meeting the recruitment requirement for passing probation, and the Bank is entitled to terminate the employee’s employment contract immediately. For employee which have passed the probation, failing to pass the CPBB Essentials or Banca Product Certification will be taken as assessment basis for job incompetency.
以上的主要工作职责和岗位聘任要求是用于考核试用期是否符合录用条件和工作胜任与否的标准。倘若员工未能满足前述要求，或未能通过CPBB Essentials测试或保险产品资格认证测试的，则该员工将被视为不符合试用期的录用条件，银行有权立即终止员工的劳动合同；对于已过试用期的员工，未能通过CPBB Essential测试或保险产品资格认证测试的，将作为不胜任工作工作岗位的考核依据。

In this document, Chinese version shall prevail over English version.
本文件若中英文表述不符，应该以中文为准。

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 thingand 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-offincluding 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 workingoptions based around home and office locations, with flexible working patterns.
• Proactive wellbeing supportthrough 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 cultureto 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.