Management Trainee Programme

CMB Chief Operating Officer’s Office

• Understand the operational flow between Chief Operating Officer’s Office (COO Office) and other departments within CMB as well as with Group
  
• Acquire a basic understanding of CMB business model, products, strategies and policies

Corporate Wealth and Sales Management

• Learn how to provide professional advice to corporate customers on cash management, treasury, insurance and investment products – all areas of expertise that are crucial to success in the competitive CMB segment

Global Trade and Receivable Finance

• Acquire an overview on Global Trade and Receivable Finance products and daily activities, which are critical in providing quality lending services to customers

Global Liquidity and Cash Management

• Understand the product development of Global Liquidity and Cash
• Management and its commercialisation of product cycle

Relationship management

• Gain valuable connections and experience through managing a portfolio of commercial customers.
• Deepen your knowledge of various industries and hone your financial analysis skills

Corporate Digital

• Gain insight into commercialisation of digital initiatives and digital journeys, building AI and advanced analytics to achieve excellent customer experience, grow and protect the bank at the same time

Global Banking / Financial Institutions Group Relationship Management

• Gain experience to provide a broad spectrum of financing solutions to large corporations and financial institutions
• Exposure to a comprehensive range of products and services including bilateral and syndication loans, project financing, property development financing, property investment loans, working capital financing, trade financing, cash management and treasury products
• Learn from experienced and knowledgeable professionals to understand the specific requirements of our customers and to provide tailor-made financial packages in their best interests

Global Trade and Receivable Finance

• Acquire an overview on Global Trade and Receivable Finance products and its servicing model

Global Liquidity and Cash Management

• Understand the product development of Global Liquidity and Cash Management and its commercialisation of product cycle

Debt Capital Markets Origination

• Acquire basic bond market knowledge
• Understand the HASE DCMO business model and strategic focuses

Structured Finance and Commercial Real Estate

• Understand the origination and structuring of Syndicated/Structured Finance transactions
• Acquire a basic understanding on commercial real estate loans and advances

Treasury Solutions

• Collaborate with various internal stakeholders such as Relationship Managers, Branches and other internal departments to identify customers’ hedging needs and provide appropriate treasury products and solutions

Corporate Wealth and Sales Management

• Learn how to provide professional advice to corporate customers on wealth management products and the related internal control functions

Global Banking Chief Operating Office (GB COO)

• Understand the operational flow between Global Banking Chief Operating Office and other departments within Global Banking
• Acquire a basic understanding of Global Banking business model, products, strategies and its internal compliance / control functions

Wholesale Credit and Market Risk

• Understand the approvals, policies, portfolio management and recovery of the Bank’s wholesale credit and market risk exposures

Regulatory Compliance

• Understand how Regulatory Compliance provides proactive assistance in identifying, assessing and containing Compliance Risk; fostering a compliance culture; optimising relations with regulators; and preserving the Bank’s reputation in the marketplace by ensuring that our policies comply with the spirit and letter of the laws and regulations wherever we do business

Financial Crime Compliance

• Understand the importance of Financial Crime Compliance (FCC) risk management in Global Banking’s day-to-day operations and how Financial Crime Compliance Department supports anti-money laundering investigation, formulates policies and framework on sanctions and anti-bribery and corruption issues
• Acquire a basic understanding on the Group’s anti-money laundering policies and regulatory requirements

Balance Sheet Management

• Understand the roles and responsibilities of the Balance Sheet Management team in the Bank
• Gain knowledge on how interest rate, liquidity and funding risk are managed

Treasury Solution

• Collaborate with various internal stakeholders such as Relationship Managers, Branches and other internal departments to identify customers’ hedging needs and provide appropriate treasury products and solutions

Trading

• Understand the purpose, structure and framework of different departments under Trading, such as Interest Rate Trading, Repo Trading, Foreign Exchange
• Turn theory into practice, real-time experience of trading, hedging activities and strategy formulation spanning various asset classes among different markets around the globe

Structured Products

• Get involved in structuring and developing FX/ Equity/ Interest Rate-linked products
• Understand the dynamics and competitive landscape of structure products as investment and hedging solutions to various client segments of the Bank, including Wealth and Personal Banking, Commercial Banking and Global Banking clients
  

Life Insurance

• Take part in supporting the business growth and Life product development, with roles in implementing new product launch initiatives, product feature design and sales performance
  
• Opportunity to contribute to digital development as the up-and-coming trend in the insurance industry
  

General Insurance, Medical Insurance and MPF

• Participate in strategic management of General Insurance, Medical Insurance and MPF and collaborate with our strategic partners QBE and BUPA
• Exposure to matching sales target and negotiate terms with our partners, as well as developing marketing and sales strategies focusing on your business lines along with sales channel analysis

Insurance Actuarial, Risk Management and Investment

• Acquire expertise through active engagement in multiple insurance
  actuarial and risk management tasks, such as Asset Liability Management addressing market risk, valuation of insurance business, and product development including experience studies amongst other quantitative analysis
• Work with our Investment team on managing the insurance premium assets
  

Channel management and servicing proposition

• Opportunity to work with different stakeholders to develop and implement multi-channel (e.g. branch network, commercial and corporate channel, digital and phone banking) strategies to meet customer demands
• Involve in underwriting, claims and policy servicing propositions that improve client service quality
  

Operations

• Acquire a thorough understanding of our business, products and operations, including Banking Operations, Cards and Loans Operations, Cash and Cheques, Customer Communication, Mortgage Services, Wealth Services, Credit Services, Collateral Management, Payment Services, Financial Crime Compliance Operations, and KYC Services

Corporate Real Estate

• Acquire professional knowledge in relation to property markets, building and construction, property-related regulations, physical security, change management and workplace transformation
• Learn about general management skills on aspects such as business analysis, strategic planning, real estate strategy, risk management, stakeholder management as well as communication / negotiation skills

Information technology

• Learn the latest IT technologies, FinTech and data analysis in relation to the banking industry as well as the importance of IT in enhancing the efficiency and competitiveness, and driving the innovation strategy and developing the pioneer IT platform of the Bank
• Gain knowledge of the Bank’s IT infrastructure and supporting services, which are both fundamental components of the Bank’s daily business operations

Transformation

• Develop your business consulting capabilities to provide innovative ideas and customer centric solution to assist stakeholders to fulfil transformation needs, as well as programme and project management skills to manage complex strategic programmes with the agile approach and the latest technology such as Fintech
• Through participating in or leading projects, you will learn more about various business / function strategies and priorities, and how to achieve successful delivery of change programmes or projects that help to grow the Bank’s business and/or enhance organisational effectiveness

Contact Centre Transformation

• Learn how the contact centre operates and witness how new technologies are used to shape the future of banking
• Gain customer perspectives and learn how to think through and develop banking solutions to enrich the experiences for our customers and our staff
• Learn the income and cost dynamics in the contact centre and how that contributes to the profitability of the wider businesses

Chief Administration Office

• Acquire a solid understanding of the operational needs of various departments, including business continuity and incident management, corporate services and social affairs
• Learn how to develop comprehensive solutions to help internal units and individuals operate more efficiently and effectively

Chief Control Office

• Acquire a thorough understanding on the Bank’s Risk Management Framework, control design, oversight and supervision of Non-Financial Risks across HOST functions
• Gain knowledge of risk review and control assurance skills through participating in assessment and review exercises. Utilise data analytics for risk and control management
• Learn how to promote control awareness, develop sustainable control culture and compliance

Procurement

• Communicate the value of strategic sourcing and procurement to company stakeholders, department heads, and executives to the achieve buy-in necessary for proper resources and investments
• Analyse and compare financial reports and pricing proposals from several trusted suppliers before negotiating terms and prices to obtain the best deal for the company
• Monitoring contracts to ensure that the supplier meets expectations and invoices are approved and paid in a timely manner
• Keep track of all goods and services ordered and received, and maintain accurate inventory records including details on price, performance, and delivery

Investment

• Assist in developing different types of investment products and formulating business strategies to meet the upcoming business trend and the needs of our different customer segments

Insurance

• Develop new insurance products and identify business opportunities to introduce the right products through the right distribution channels to meet the changing needs of customers in a dynamic environment

Product development

• Acquire expertise on the product development lifecycle for a variety of personal banking products in areas such as secured lending (e.g. mortgages) and unsecured lending (e.g. credit cards and personal loans)

Channel management

• Opportunity to work with different stakeholders to develop and implement multi-channel (e.g. branch network, phone banking and digital banking) strategies that improve client services, meet new client demands and optimise channel effectiveness

Digital Banking

• Participate in transforming the digital platforms for the best of user experience and market practice powered by latest technology and digital analytics; generating value that positions Digital as an increasing driver of WPB’s revenue, cost and business improvement

WPB Chief Operation Office (WPB COO)

• Oversee and monitor WPB overall business performance and strategic business initiatives implementation
• Assist in driving strategic business initiatives and transformation projects to ensure business sustainability
• Implement various control framework including credit control, data integrity, business risk management, customer due diligence and financial crime risk management programmes
• Equip with skills and mindset for project and process management

Private Banking

• Gain valuable experience in building close relationships, providing professional advice and premium service to our high-net worth customers

Branch network

• Gain customer handling experience through connecting with a diverse range of retail customers in one of our branches. Learn about what goes into creating a great customer experience, how to achieve business growth and manage risk and control in a dynamic environment

Customer value management

• Develop a good understanding of different customer segments and how to identify and analyse customer and market data that will help sharpen your business judgment
• Participate in the development of a new customer centric communication model with enabled Real-time Decisioning Platform technology to enhance customer experience, communication efficiency and effectiveness

Customer propositions and customer management

• Gain experience in the development of innovative proposition strategies to achieve synergy across different business units and different customer segments and develop programmes that achieve multiple business objectives to maximise business opportunities
• Be a member of a team in driving customer management transformation for different business to establish customer contact strategy, content management strategy and optimisation of Omni-channels

Bank strategy development

• Help formulate the Bank’s medium term strategies
• Support execution, coordination, tracking and evaluation according to the Bank’s strategic planning framework
• Take the lead on being articulated and mobilised on what you do to achieve strategic priorities

Business strategic study

• Lead or support strategic business studies that are cross-businesses, functions and/or geographies in nature, derive actionable insights and make appropriate recommendations to the Bank’s senior management

Corporate development

• Take part in the execution of acquisitions and disposals (A&D) projects
• Support governance of the Bank’s corporate investments
• Exploit synergies in accordance to the Bank’s strategic priorities

Chief of Staff

• Support key activities of executive office including but not limited to presentation materials for external and internal meetings
• Relationship management with key external and industry bodies and monitoring of business results
• Advocate and facilitate cross-business collaborations

Other business attachment

You will have the opportunity to attach to other businesses and functions in the Bank to gain a holistic exposure to Hang Seng’s bank-wide operations. Such attachments may include:

• Wealth and Personal Banking
• Commercial Banking
• Global Banking
• Financial Control
• Hang Seng Bank (China) Limited and other subsidiaries