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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

- COMMERCIAL BANKING

- COMPLIANCE OFFICE

- CREDIT ADMINISTRATION

- CREDIT APPROVAL

- CUSTOMER INFORMATION MAINTENANCE

- DIGITAL BANKING

- INFORMATION TECHNOLOGY

- MANAGEMENT INFORMATION SERVICES

- RETAIL DIRECT SALES

- RISK MANAGEMENT

- RISK MANAGEMENT AND CONTROL

- STRATEGIC PLANNING, MARKETING AND CORPORATE COMMUNICATION

- VIP BANKING / WEALTH MANAGEMENT

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 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

Customer Service Officer
	Responsibilities:
	To handle all kinds of customer requests including account opening, application of credit card, ATM card, cheque book, etc. To handle customer complaints To sell banking and insurance products

	Requirements:
	Form 6 graduate or above with a minimum of 1 year's relevant experience Basic command of written and spoken English and Chinese Good communication and interpersonal skills

COMMERCIAL BANKING

Senior Relationship Manager / Relationship Manager
	Responsibilities:
	Manage a customer portfolio of commercial banking clients, which include mid-cap, large corporates and/or SMEs engaging in industries of trading and manufacturing, wholesale and retail, construction, as well as real estate development Execute business development plans directed by team head and division head Monitor credit quality of lending relationships by preparing credit proposals, proactive assessment of client performance and identifying early warning signals Conduct customer due diligence on ongoing basis Collaborate with product partners, including Trade Services, Transaction Banking and Treasury, to deepen client relationships

Requirements:

Degree holder, preferably in Business Administration, Accounting, Banking and Finance
3-4 years’ (or 5-8 years’ for Senior Relationship Manager) experience of customer relationship management with track record of achieving assigned business targets; commercial banking experience is a definite advantage but not a must (as technical and on-the-job training will be provided)
Good presentation and communication skills, including written English
Self-driven, customer-oriented and able to collaborate within a team

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, CAMS 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 ADMINISTRATION

Head of Credit Administration
	Responsibilities:
	Lead the administration, processing and operations for loan documentation to ensure high level of operational efficiency and accuracy, and also compliance with regulatory guidelines and requirements Review and continuously fine-tune all existing department procedure manual, and incorporate changes, where necessary, to reflect proper control and regulatory requirement are in place Ensure relevant risk control and internal operations control are timely reviewed and suspicion/incidents timely reported Monitor the proper status of all activities in the Department and prepare regular and ad hoc management report for review Continuous review and make recommendations to streamline processes/workflows to improve cost effectiveness and work efficiency Act as the Bank's representative in signing deeds and bank guarantee

Requirements:

University graduate with a minimum of 10 years' relevant experience of which 3 – 5 years must be in managerial level
Well versed with banking practice and in-depth knowledge of banking operations practices, general banking products and facilities and customer requirements
Ability to drive change, analytical and self-motivated
Committed and responsible with a drive to ensure accuracy and completeness
Strong communication, interpersonal and PC skills
Good command of English and Chinese
Candidate with less experience would be considered for the position of Manager

Senior Officer
	Responsibilities:
	To check and ensure retail and corporate customers signed documents which are properly signed upon bank’s requirement To ensure all conditions precedent are complied with prior to limit dispatch/ loan drawdown To ensure proper dispatch of credit facilities, perform checking the accuracy of credit limit, collateral records and other related information input in systems To act as the Bank's representative in signing deeds and bank guarantee To control the recording, deposit and withdrawal of the security documentations properly To meet service performance pledge for responsible jobs To supervise subordinates in handling counter services smoothly

Requirements:

University graduate with a minimum of 4 years relevant experience of which 2 years must be in officer level
Experience in handling syndication loan documents is preferred
Sound knowledge of MS Office including Excel and Word
Knowledge in business intelligence, data analytics or data science will be an added advantage
Proficiency in both English and Chinese
Able to work independently and under pressure
Candidate with less experience would be considered for the position of Officer

CREDIT APPROVAL

Senior Manager
	Responsibilities:
	Reporting to the Head of Commercial Credit Approval, you will be responsible for providing an independent assessment of credit proposals originated from the bank’s Commercial Banking Department, ensuring that they adhere to regulatory and policy guidelines and meet the bank’s credit standards, before approving or supporting to higher levels for approval. You will also be responsible for post-approval monitoring of the relevant client portfolio and other credit-related duties

	Requirements:
	Degree holder with minimum 8 years of credit related experience in commercial banking Self-motivated and independent with an analytical mindset Comfortable to deal with details Good credit assessment skill, with sound knowledge in commercial banking loan products and proficiency in analyzing complex groups Good verbal and written communication skills, and good team player

CUSTOMER INFORMATION MAINTENANCE

Senior Officer / Officer
	Responsibilities:
	Follow up account opening/maintenance documents Perform QA function on documents and system input Inquire, obtain and check information needed for the reply letter to Government Authorities and for Audit Confirmation Coordinate with internal departments in respect of customer complaints and feedback handling Scan, index and file the documents, and ensure the correctness Perform other duties as assigned by supervisors from time to time

	Requirements:
	Bachelor degree or minimum 3 years’ relevant banking operation experience Familiar with accounts opening procedures Proficient in using Microsoft Word, Excel and Power Point Good command of written English and Chinese Independent, initiative and responsible Candidate with less experience will be considered as Senior Clerk

DIGITAL BANKING

Deputy Manager / Manager
	Responsibilities:
	Assisting Head of Digital Banking to execute the system enhancements on personal banking digital initiatives Keeping abreast to FinTech market trends and participating the development of new functionalities for personal eBanking platforms Assisting Department Head to monitor the daily operations of Digital Banking Department To liaise with the internal and external stakeholders for personal ebanking related affairs Staying alert of market and regulatory changes, timely executing due diligence and other risk based diligence as required for personal eBanking platforms

Requirements:

Degree holder in Business Administration, e-Commerce, Information Technology or related discipline preferable
At least 3 years’ hands-on experience in digital banking platform development or project management
Be highly aware of market trend, new technologies, new digitalized products and business models
Self-motivated, organized, creative and with strong analytical mindset
Excellent communication and interpersonal skill
Fluency in Cantonese / Putonghua & English and excellent writing skills in Chinese and English

INFORMATION TECHNOLOGY

Deputy Manger – System Support & Security Team (Security Side)
	Responsibilities:
	To take care of the security operation matter and make sure the security controls are running in normal condition To oversee and participate in all related project phases to ensure that projects are delivered securely, within budget and with high level of quality To administer firewall review, Data Loss Prevention review, Web Security and Phishing mail analysis To monitor CARIC (Cybersecurity Incident Alert and Notification Platform) notification platform, trace relevant vulnerabilities and implement remediation with IT teammates To perform security monitoring to make sure the bank security controls be compliant with bank group standards and regulatory requirements To conduct the primary investigation, if any, for any security incident To actively manage, track and report the security projects status to management To maintain security corresponding functional and technical documentation To provide Cyber security leadership and inspire the team members

Requirements:

Minimum of 8 year working experience in the field of IT and at least 4 years’ experience in IT security control area
Bachelor’s degree in Information Systems, Computer Science, or equivalent combination of education and experience
Practical knowledge of Data Loss Prevention, Firewall Rule Review, Email Security, Phishing mail analysis and malicious file analysis
Excellent verbal and written communication skills
Strong problem-solving skills and critical thinking mindset
Experience in Penetration Test/Red Team is a plus but not essential
Certificate on CISA, CISSP, OSCP, CRTP certification is an advantage
Experience in project management skills with IT projects in banking industry is an advantage

MANAGEMENT INFORMATION SERVICES

Manager
	Responsibilities:
	To compile periodic financial management information and regulatory reports To perform financial analysis for business performance monitoring and risk management To coordinate and implement the budget and forecast processes and controls

	Requirements:
	University graduate with major in accounting, finance, statistics, or other relevant disciplines Minimum of 5 years of working experience in accounting, finance, or banking industry Analytical mind and good communication skills Proficient in spreadsheet and database applications Good command in written and spoken English and Chinese

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

RISK MANAGEMENT

Chief Risk and AML Officer
	Responsibilities:
	To provide leadership and direction for, and supervise the team members in ensuring effective risk management of the Bank. This will include ensuring efficiency in credit approval and loan disbursement process, managing efficient and effective recovery on default credits, handling legal proceedings for security perfection and for debt recovery actions, and administering the production of Expected Credit Loss To ensure that all relevant risks of the Bank are properly identified, well understood, measured, controlled, assessed and reported. This will include formulating appropriate risk management strategy, appetite, policies, risk limits and methodologies on risk control and analysis that are in line with market standards, fulfilling regulatory requirements and internal standards To conduct periodic reviews on the Bank’s risk governance arrangements, and ensure that the Bank's risk management framework (including the Bank's risk appetite framework) and all related policies and control procedures are adequately implemented and working effectively. This will include ensuring the escalation procedures are followed properly when the related risk policies and controls are violated To be actively involved, at an early stage, in the Bank’s decision-making on business strategies and developments that may have implications for risk management. This will include participating in joint customer-call with Business Unit should it be necessary for credit risk assessment purpose To monitor (e.g. through an early warning or trigger system) the use of risk limits and ensuring that the risk limits are consistent with the Bank’s risk appetite. This will include ensuring that the credit exposures and transaction, and evaluation of credit assessment criteria to safe guard credit portfolio quality are up to the Bank's desirable standard and full compliance to regulatory requirement To oversee and approve risk assessment models and internal rating systems (where applicable), and analysis the risks of new products and services (and of significant changes to existing products and services) and exceptional transactions To conduct stress tests to assess the risk profile of the Bank under stressed conditions, and reporting the results of the stress tests to the Board (or/and its Risk Committee) and senior management. The results should also be incorporated into the Bank’s relevant risk management and business processes (e.g. review of the Bank’s risk appetite, capital planning, budgeting, establishment of contingency plans) To provide accurate, reliable and comprehensible risk information to the Board, Risk Committee and senior management and ensure that all identified risk management issues or concerns (together with any proposed risk-mitigating actions) are promptly reported to them. This will include Risk Management and Compliance Committee (RMCC), Credit Committee, Management Committee, Asset and Liability Committee, Anti-money Laundering and Counter-Terrorist Financing Committee of the Bank, and Group Operational Risk and Internal Control Committee (ORICC) of the Group To alert the Board, Risk Committee and senior management to any other matters that may have a significant impact on the Bank’s financial position and risk profile (e.g. engagement in high risk activities that are not aligned with the Bank’s risk appetite) To establish credit approval matrix and credit administration work flow to ensure smooth and efficient operation of the risk management function. This will include ensuring adequate and appropriate expertise and risk control systems are in place To advise and assist Chief Executive of the Bank on all risk (both Financial and Non-financial) management related issues To be the main contact and coordinator in connection with risk management related matters or examination or field audit by AMCM/HKMA/external auditor/internal auditor and statutory inquiries. This will include maintain close communication with the regulators and auditors on related risk issues To establish and maintain a constructive and effective relationship with regulators and external auditors, and a main contact of the Bank with the AMCM with regard to all AML/CFT related matters To report Suspicious Money Laundering / Financing of Terrorism incidents (STR) to the Macau Financial Intelligence Office To identify training needs of various divisions / departments relating to AML/CFT/Fraud Risk Management and to provide training courses as required To adopt a proactive advising role in the process of product development and generation of marketing ideas in order to identify and prevent any possible regulatory and AML/CFT/Fraud Risk Management related issues to happen To develop and promote a high standard of banking culture of AML/CFT/Fraud Risk Management governance. To ensure the banking activities and its employees to meet and abide at all times by internal standards of the Bank, Group standards and relevant laws, rules and regulations To exercise due skill, care and diligence in managing the business of the Bank to the extent of his/her role. To establish and implement effective detecting criteria, control measures, procedures and systems with regards to AML/CFT/Fraud Risk Management governance To provide advice, assistance and monitoring to relevant divisions of the Bank with regards to all AML/CFT/Fraud Risk Management relating issues

Requirements:

University Degree holder or higher degree in Finance, Banking, Accounting, Legal or related disciplines
Minimum 12 years’ relevant experience in the risk management related areas in banking industry with at least 10 years’ experience in risk management and credit approval, and with at least 5 years’ experience in senior management role
Good knowledge in banking products and processes, treasury markets, local and international regulatory requirements
Thorough understanding in Macau Financial System Act, Commercial Code, related local laws / regulations, and local banking practice
Well-versed experience in security perfection and debt recovery procedures and practices
Logical mind with good analytical, leadership and communications skills
Good understanding in Macau economy, government policies and business practices
Balanced consideration in risk and business
Competence to manage a proper relationship with relevant regulatory authorities and external auditors

RISK MANAGEMENT AND CONTROL

Senior Officer / Officer
	Responsibilities:
	Support the review of risk management policies and procedures of the Department Review risk reports prepared by other departments of the Bank and prepare risk summaries for management reporting Assist in follow up of risk issues / exceptions arising during the course of business Provide support on risk governance, setting of risk limits, etc. Provide support to risk committee work Perform any ad hoc tasks assigned by supervisors

Requirements:

University degree in Finance, Risk Management or equivalent
Over 2 years’ experience in the risk management, finance or treasury related areas in banking / insurance industry
Knowledge in and experiences with risk management a definite advantage
Hands-on experience in database management or statistical tools, e.g. SQL, SAS, VBA, etc. preferred
Good interpersonal skills and a good team player
Good command of written and spoken English and Chinese
Candidate with less experience would be considered for the position of Office

STRATEGIC PLANNING, MARKETING AND CORPORATE COMMUNICATION

Senior Officer / Deputy Manager
	Responsibilities:
	To assist in implementing/planning cost-effective marketing campaigns, activities, advertising and publicity in stimulating the business of the bank and maximizing the revenue return plus public awareness, including all banking and insurance products and services To assist in making regular market review on different products and servies in keeping update of the most up-to-date information and reference of the banking industry both in Macau and HK, if relevant To assist in data analysis for pre and post campaigns / promotions To assist in managing card merchant networks and supporting the merchants acquiring service, plus joint promotional programs and activities To support the team head in making regular updates of contents for all media channels To assist in roadshows, branch opendays and other events or activities of the bank in performing different sales or promotional activities To assist in controlling the campaign and promotional budgets approved by the bank from time to time To assist in marketing communications materials and corporate communications and items preparation, including developing, implementing and working with designers

	Requirements:
	Degree holder, preferably in Marketing Major At least 2 years experience in Marketing or Marketing Communications area Knowledge and experience related to handling graphic designs is an asset Outgoing, competent and with good communication skills Can work under pressure Excellent command of written and spoken English and Chinese Knowledge of Mandarin and Portuguese is an advantag

VIP BANKING / WEALTH MANAGEMENT

Senior Relationship Manager / Relationship Manager
	Responsibilities:
	To provide VIP banking services to VIP customers To explore wealth management business opportunities with assigned customer portfolio To achieve the assigned targets e.g. commission income, new accounts, etc. To conduct investment deal transactions

Requirements:

University degree holder in Business Administration, Finance or Accounting preferably with professional qualifications such as CFA, CFP, CFMP, etc.
Minimum 3 years’ banking experience in wealth management business
Good command of written and spoken English and Chinese, fluent Mandarin would be an advantage
Good communication and interpersonal skills
Proficient in MS Office including Word, Excel and PowerPoint
Highly responsible and self-motivated with good problem solving skills

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 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.)