Senior Risk Manager

HSBC; Saint Helier; On-site; GBP 90,000 - 130,000; Full time

Benefits offered by this job

Private healthcare for all employees

Non-contributory pension scheme

Enhanced parental/adoption pay

Job summary

HSBC in the Channel Islands invites applications for a Senior Risk Manager responsible for customer due diligence (CDD), credit risk and other risk activities across the CIB Channel Islands and Isle of Man.

You will work with the COO and CIB teams to shape risk policy, oversee CDD and client money account reviews, and ensure strong regulatory outcomes while supporting sustainable business growth.

Qualifications

• Proven experience in risk management and regulatory compliance.
• Ability to prioritise demanding workloads and meet deadlines.
• Knowledge of lending, FX and cash management products.
• Strong written and verbal communication for diverse audiences.
• Ability to develop and enforce internal controls and policy adherence.
• Experience with client money account oversight and regulatory reviews.

Responsibilities

• Support CIB’s risk agenda including timely completion of CDD.
• Oversee CDD activity across Channel Islands and Isle of Man.
• Set and uphold the Business Banking credit proposition with robust oversight.
• Manage client money account reviews and related actions.
• Approve new-to-bank and existing PEP relationships under SMF regime.
• Embed Group policies and audit responses into operations.
• Maintain records to evidence compliance with financial services laws.

Skills

Risk management

Regulatory compliance

Credit risk

CDD oversight

Lending knowledge

FX & Cash Mgmt

Communication

Project management

Internal controls

Regulatory actions

Job description

If you’re looking for a career that will help you stand out, join HSBC, and fulfil your potential - whether you want a career that could take you to the top, or an exciting new direction, we offer opportunities, support and rewards that will take you further.

We’re one of the largest banking and financial services organisations in the world, with a network that covers more than 50 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people fulfil their hopes and realise their ambitions.

Senior Risk Manager

This role is responsible for customer due diligence (CDD), Business Banking credit and other risk-related activities across the CIB Channel Islands and Isle of Man business. You’ll work alongside the Chief Operating Officer (COO) team and in collaboration with the CIB team to deliver the risk agenda while supporting sustainable business growth. The role includes oversight of timely CDD completion and client money account reviews. It also covers setting a consistent Business Banking credit proposition with robust oversight of wider policies, procedures, processes, models and collateral. The role sits within the scope of the Jersey Financial Services Commission (JFSC) Senior Management Function (SMF) regime under Category 3 including approval of new-to-bank and existing politically exposed person (PEP) relationships. Success means strong regulatory outcomes, consistent credit standards and clear oversight that supports safe growth.

As an HSBC employee in the Channel Islands and Isle of Man (CIIOM) you will have access to tailored professional development opportunities and a competitive pay and benefits package.

• private healthcare for all employees, enhanced parental and adoption pay and support when you return to work, and a non-contributory pension scheme with a generous employer contribution.

Opening a world of opportunity.

In this role you’ll:

• Support CIB’s risk agenda including timely completion of CDD


• Oversee CDD activity across the CIB Channel Islands and Isle of Man business


• Set the Business Banking credit proposition across the business, ensuring consistency and robust oversight and local ownership of policies, procedures, processes, models and collateral


• Manage client money account reviews, ensuring oversight and actions are completed in a timely way


• Approve new-to-bank and existing PEP relationships under the JFSC SMF regime (Category 3)


• Embed internal controls and Group compliance policy through adherence to relevant processes and procedures


• Maintain appropriate records to evidence compliance with financial services laws, rules and codes


• Implement internal and external audit points including issues raised by external regulators

To be successful in this role you should meet the following requirements:

• Bring proven experience in risk management and ensuring own and others’ compliance with relevant regulatory processes


• Demonstrate capability to prioritise demanding workloads and deliver to deadlines


• Apply relevant product knowledge including lending, FX and Cash Management


• Communicate complex information clearly in writing and verbally to varied audiences


• Use a flexible management style that supports the development of yourself and others


• Evidence adherence to internal controls and relevant processes and procedures


• Maintain accurate records and follow established procedures to support compliance outcomes


• Implement audit and regulatory actions in a timely way, including external regulator findings

Being open to different points of view is important for our business and the communities we serve. At HSBC, we’re dedicated to creating diverse and inclusive workplaces - no matter their gender, ethnicity, disability, religion, sexual orientation, or age. We are committed to removing barriers and ensuring careers at HSBC are inclusive and accessible for everyone to be at their best.

If you have a need that requires accommodations or changes during the recruitment process, please get in touch with our Recruitment Helpdesk via [e-mail]