YOUR CAREER PATH BEGINS AT BCM

Established in 1974, BCM has been one of the leading financial institutions in Macau providing comprehensive and consolidated financial products and services, actively serving its customers and contributing to the development of the Territory's economy with 14 branches and self-service banking centres covering all over Macau.

As an employer, BCM emphasizes employer-employee commitment with the aspiration of making BCM not just a bank, but a home. In addition to providing its staff members with a comprehensive remuneration package and benefits, BCM actively advocates and promotes Staff Engagement, Work-Life Balance and two-way Communication through establishing an open and engaging corporate culture. Management of BCM is committed to build the organization as one of the best work places in Macau, such that our staff can be at their best to learn, grow, achieve and contribute, for a fulfilling career. We recognize the hard work of our staff and value their ideas, providing ample opportunities for them to speak up. If you are looking for a career instead of a job, BCM is the right place for you to set off your career path.

We are inviting competent and highly-motivated candidates to join us in providing the highest standard of financial services to our customers. Invest in your future by joining us to invest in your career!

Posts are opened for the following areas:

BRANCH MANAGEMENT

Branch Manager
	Responsibilities:
	To manage the business and operations of designated retail branch(es) and ensure the provision of total retail banking solutions and good quality products / services to customers in an effective and efficient manner To ensure the branch daily operations in compliance with all regulatory / internal guidelines and policies as well as the bank’s risk control standards To manage sales staff or relationship managers to develop and cultivate close relationship with existing and new customers and solicit new business to the bank To explore business opportunities and implement strategic planning to achieve the designated targets defined by management To manage and train up branch staff in providing customer-centric services and solutions to customers

Requirements:

Degree holder with at least 8 years of experience in retail banking of which 3 years in supervisory level is highly preferable Sound knowledge of retail banking / wealth management and branch operations as well as products and services Strong leadership and interpersonal communication skills Independent, proactive, result-oriented and able to work under pressure Good command of spoken and written Chinese and English, whilst fluent Mandarin would be an advantage

Relationship Manager
	Responsibilities:
	To promote and solicit new business as well as to achieve sales targets of the branch To develop existing business activities and maintain good relationship with customers To perform credit activities including credit proposals and credit analysis To provide general banking services and information to customers

Requirements:

University degree holder preferable with 2 - 3 years of relevant experience in Retail Banking business or other business area Sound  knowledge of retail financial products and services  Good communication and interpersonal skills Good command of English and Chinese, written and spoken; Mandarin speaking an absolute advantage Self-motivated and able to work under pressure Candidate with less experience would be considered as Assistant Relationship Manager

Operations Officer
	Responsibilities:
	To prepare daily report to Head of Branch Management To prepare daily statistics report of the sales of Retail products performed of Branch To handle documents of Retail Division and Branch To prepare branch staff training schedules

	Requirements:
	Degree holder with a minimum of 2-3 years’ experience in Retail banking and Branch operations Good communication and interpersonal skills Good command of written and spoken English and Chinese Good command of MS Office including Word and Excel

Senior Teller / Teller
	Responsibilities:
	To handle all retail cash or non-cash transactions over counter To operate the ATM machine To promote bank or insurance products for retail customers

	Requirements:
	Form 6 graduate or above Basic spoken and written Chinese and English Good communication and interpersonal skills Candidate with relevant experience would be considered as Senior Teller

CALL CENTRE

Customer Service Officer
	Responsibilities:
	To deliver multilingual and professional banking services over the telephone Work collaboratively with teammates or internal departments to solve customer issues in an efficient and effective manner To participate in telemarketing of designated banking products and services To handle customer complaints and feedback

	Requirements:
	Diploma or degree holder Customer-focused with good communication and interpersonal skills Proactive and positive to work, able to work under pressure Good command of spoken and written English and Chinese (both Cantonese and Mandarin) With Insurance License is an advantage

COMPLIANCE OFFICE

Manager
	Responsibilities:
	To perform all compliance and AML functions, logistic planning and system enhancement to ensure that the Bank adheres to relevant legal and regulatory requirements To provide support in development and implementation of compliance policies and programs To draft and review legal documents and to provide regulatory and legal advice to all Bank departments To perform periodic compliance reviews on the Bank’s various activities To perform transaction monitoring for identifying any suspicious transactions To prepare documentation for filing suspicious transaction reports To formulate compliance related policies, guidelines and management reports To handle regulatory and audit inquiries To communicate with various counter-parties of the Bank and provide compliance related advice

Requirements:

University graduated or above with a minimum of 7 years of practical experience in banking industry, preferably with working experience in compliance, legal, internal audit, risk management or customer due diligence Holder of ACCA/CFA/LLB, CAMLP, ACAMS or relevant qualification will be an advantage Strong knowledge in Macau banking compliance, laws and regulatory requirements Self-motivated, independent, and pleasant personality with good communication and interpersonal skills High proficiency in spoken and written English and Chinese Candidates with less experience would be considered as Deputy Manager

CREDIT RECOVERY

Manager
	Responsibilities:
	To lead the Credit Recovery unit to carry out recovery actions effectively in accordance with credit policy To manage and oversee the daily operation of Credit Recovery Unit. Ensure the overall effectiveness of the Unit To review / prepare documents for taking legal action against the bad debt customers and prepare response to Court's and company appointed external legal counsel correspondence To monitor the lawsuit history and the workflow of credit recovery for all delinquent cases and overdue loans and make decisions for appropriate action To negotiate with debtors for debt restructuring, and review payment of all delinquent accounts To manage and monitor the Bank's pastdue and bad debt position To prepare management reports such as Early Warning Summary and Monthly Bad Debt Proposal

Requirements:

University graduate with a minimum of 6 years’ experience of which 4 years must be in officer level Experience in handling cases of debt recovery is preferred Well-reversed of Macau legal proceedings in debt recovery Sound knowledge of MS Office including Word and Excel Proficiency in both English and Chinese Good communication and interpersonal skills Able to work independently and under pressure

INFORMATION TECHNOLOGY

Senior Manager / Manager – System Support & Security Team
	Responsibilities:
	Lead a team to maintain IT system, network, infrastructure and IT security control Oversee, lead and participate in all responsible/related projects to ensure the team deliver the works on time and within budget while maintaining high level of quality Manage and administer network, firewall, network design, Active Directory structure and email system Manage and monitor all related security controls, e.g. system and network hardening, security patching on time, security vulnerability scanning and remediation Perform security monitoring to make sure the bank security controls be compliant with Group’s standard and regulatory requirements (e.g. Macau Cyber Security Law) Conduct the primary investigation if any on security incident and work with Group counterpart for root cause analysis Manage, track and report responsible project status to management Responsible and participate in internal and external audit Perform regular update to responsible Policy and Procedure documents Deliver management and control reports to the department head and to senior management Develop and maintain effective working relationships among teams and external project sponsors and vendors Maintain functional and technical documentation Provide technical leadership and inspire the team members Plan staff requirements, facilitate staff training & career development and conduct staff performance management

Requirements:

Minimum of 7 years’ working experience in the field of IT, and at least 3 years’ experience in IT security control and IT infrastructure areas Bachelor’s degree in Information Systems, Computer Science, or equivalent combination of education and experience Working knowledge of Microsoft Active Directory, Exchange, Email structure, malicious file analysis Excellent verbal and written communication skills Excellent problem-solving skill and critical thinking mindset Experience in project management with IT projects in banking industry is an advantage Experience in Penetration Test/Red Team/Blue team/Purple team is an advantage Possess of CISP, CISSP, CISM certifications is an advantage Candidate with less working experience will be considered as Manager

Deputy Manger – System Support & Security Team
	Responsibilities:
	Lead a team to maintain system, network, and IT security control as normal Oversee and participate in all related project phases to ensure teams deliver all work on time and within budget while maintaining the high level of quality Administer network, firewall, network design, Active Directory structures and email system Manage and monitor all related security controls, e.g. system and network hardening, security patching on time Perform security monitoring to make sure the bank security controls compliant with Group standards and regulatory requirement Conduct the primary investigation if any security incident happened Actively manage, track and report the system and security projects status to management Maintain functional and technical documentation Provide technical leadership and inspire the team members

Requirements:

Minimum of 4 year working experience in the field of IT, and at least 1 years’ experience in IT security control area Bachelor’s degree in Information Systems, Computer Science, or equivalent combination of education and experience Working knowledge of Microsoft Active Directory, Exchange, Email structure, malicious file analysis and Networking control Experience in Penetration Test / Vulnerability Scanning Excellent verbal and written communication skills Strong problem-solving skill and critical thinking mindset Experience in project management skills, with IT projects in banking industry is an advantage

RETAIL DIRECT SALES

Relationship Manager
	Responsibilities:
	To advise and manage existing customer’s portfolio to meet their financial needs To solicit new commercial / retail loan business from potential and existing customers To establish and maintain a good relationship with existing and potential customers To provide professional and quality customer services

Requirements:

University degree with a minimum of 3 years’ banking experience with strong clientele, preferably gained in Retail/Commercial Banking Strong knowledge of loan products Good command of written and spoken English and Chinese Good communication, interpersonal and negotiation skills Highly independent and result-oriented Self-motivated and able to work under pressure Candidate with more experience would be considered as Senior Relationship Manager

Relationship Officer
	Responsibilities:
	To advise and manage existing customer’s portfolio to meet their financial needs To solicit new commercial / retail loan business from potential and existing customers To establish and maintain a good relationship with existing and potential customers To provide professional and quality customer services

Requirements:

University degree Preferably 1 - 2 years’ banking experience in Retail / Commercial Banking with strong clientele Strong knowledge of loan products Good command of written and spoken English and Chinese Good communication, interpersonal and negotiation skills Highly independent and result-oriented Self-motivated and able to work under pressure Candidate with more experience would be considered as Senior Relationship Officer

RISK MANAGEMENT AND CONTROL

Assistant Manager / Senior Officer
	Responsibilities:
	To assist to establish a 2nd line of defense for Risk Management Framework including the related policies and procedures To assist to promote a strong Risk Management culture To ensure adherence to the Risk Management Framework in the identification, assessment, mitigation and control and monitoring of risk To ensure sufficient traction and follow through action to mitigate identified risk exposure To carry out risk data and information analysis To keep abreast of the latest risk related statutory requirements, threats and market development To assist the Chief Risk Officer in accomplishing the division objections

Requirements:

Degree holder in Business, Finance, Accounting Banking or Management At least 5 years experience in relevant disciplines Solid understanding of the operations of banks Sound knowledge of Risk Management, regulatory requirements and any other guidelines or circulars issued by the AMCM Knowledge in business intelligence, data analytics or data science will be an added advantage Good command of written and spoken English and Chinese Good command of MS Office including Word, Excel and PowerPoint Good project management, leadership analytical, interpersonal and communication skills Candidate with less experience would be considered for the position of Senior Office

WEALTH MANAGEMENT

Senior Officer
	Responsibilities:
	To develop and review/renew of related documentation regarding the investment services To develop and maintain working relationships with relevant investment services units To perform day to day operation and monitoring processes regarding investment services To perform training and coaching for investment services sales staff To perform other duties as assigned from time to time by superiors

Requirements:

University degree holder in Business Administration, Finance or Accounting preferably with professional qualifications such as CFA, CFP or other relevant professional qualifications. Master degree will be an advantage Minimum 3 years’ banking experience in Retail/Private & Investment Banking in reputable banks in Hong Kong and Macau Good command of written and spoken English and Chinese Proficient in MS Office including Word, Excel and PowerPoint Independent, self-driven, efficient, responsible and well-organized Candidate with less working experience will be considered as officer

We offer highly competitive remuneration, guarantee double pay, discretionary performance bonus, 5-day work, bank holidays, attractive annual leave, comprehensive medical and life insurances and pension scheme to the successful candidate. For a dynamic career, please send your resume indicating date available, present and expected salary to Human Resources and Training Department, Banco Comercial de Macau, S.A., Avenida da Praia Grande No. 572, Edf. BCM, 7 andar, Macau or fax to 8791 0423 or e-mail to career@bcm.com.mo.

(All information provided will be treated in strict confidence and used solely for recruitment purpose.)