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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

- CALL CENTRE

- COMMERCIAL BANKING

- COMPLIANCE OFFICE

- CREDIT ADMINISTRATION

- CUSTOMER INFORMATION MAINTENANCE

- INFORMATION TECHNOLOGY

- MANAGEMENT INFORMATION SERVICES

- RETAIL DIRECT SALES

- RETAIL OPERATION AND CONTROL

- RETAIL VIP BANKING

- RISK MANAGEMENT AND CONTROL

- STRATEGIC PLANNING, MARKETING AND CORPORATE COMMUNICATION

- TREASURY SALES

- 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 - 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

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

Part-time Customer Service Officer
	Responsibilities:
	To conduct outbound sales call for designated products and services

	Requirements:
	Form 5 or above or current students in any discipline Good command of Cantonese, Mandarin and English Good interpersonal and communication 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, 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

Senior Officer
	Responsibilities:
	To provide support in performing compliance and AML functions 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 perform effective and timely transaction monitoring for identifying any suspicious transactions To recommend and prepare documentation for filing suspicious transaction reports To perform periodic compliance reviews on the Bank’s various activities To assist in preparing internal management and regulatory reports To provide advice in relation to inquiries from internal departments To undertake ad-hoc compliance & AML related tasks when required

Requirements:

University graduate with a minimum of 4 years of practical experience in banking industry
Holder of ACCA/CFA/LLB, CAMLP, ACAMS or relevant qualification will be an advantage
Knowledge in banking system, products and operations will be an advantage
Knowledge in Macau banking laws, rules and regulatory requirements will be an advantage
Independent and strong analytical mindset with self-motivation and able to meet tight deadlines
Logical thinking and detail-minded with good communication and problem solving skills
High proficiency in spoken and written English and Chinese
Candidates with less experience would be considered as Officer

CREDIT ADMINISTRATION

Manager
	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

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

Part-Time Clerk
	Responsibilities:
	To provide clerical support To perform data entry

	Requirements:
	University graduates or current students in any discipline Basic command of English and Chinese Familiar in MS Word and Excel Good communication and interpersonal skills

CUSTOMER INFORMATION MAINTENANCE

Senior Clerk / Clerk
	Responsibilities:
	Check the documents (Personal account and Non-personal account) from Branches and Departments Perform QA function on documents and system input Link the signature images (Personal account and Non-Personal account) in system Check the information updated and maintained in system 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:
	University degree holder, or secondary graduate with minimum 3 years of experience in banking Familiar with accounts opening procedures Good command of spoken and written English and Chinese Good command of MS Office including Word and Excel Independent, proactive and responsible

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

System Analyst / Senior Programmer
	Responsibilities:
	Understand user requirements to produce system designs Transform specifications into functional codes Collaborate with the team members and vendors to implement the project plans Participate in design, development, implementation, installation, testing and deployment of application systems projects Test systems and troubleshoot in a timely manner Create documentation on the functionality and requirements Manage support on system stability and perform troubleshooting in a timely manner

Requirements:

Working experience in developing web and mobile app solution with hands-on design and coding
Working knowledge of database and SQL
An analytical mindset and critical thinking
Strong communication skill with good teamwork spirit
A degree in Information Systems or related fields
Experience in project management, with IT projects in banking industry is an advantage
Experience in AS/400 is a plus but not essential
Fresh graduate will also be considered

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

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

RETAIL OPERATION AND CONTROL

Deputy Manager
	Responsibilities:
	Support the Manager with a centralized oversight of all operational issues of Retail Banking Division Formulate and review internal guidelines and procedures in relation to retail operation issues Assist in follow up of risk issues / exceptions arising in Retail Banking Division Handle regular operation & compliance reports in relation to Retail Banking Division Perform regular reviews on retail branches/RBD departments to maintain AML and operation control measures Conduct other duties as assigned by superior from time to time

Requirements:

Bachelor's degree holder or above, preferably in Business Administration
Minimum of 5 years’ experience in banking sector, preferably in Retail Banking
Strong knowledge of banking products, services and operations
Familiar with KYC process and basic knowledge of AML/CFT issues
Prudent and innovative, strong leadership, coaching and communications skills
Excellent writing skills in Chinese and English
Candidate with less experience will be considered as Senior Officer

Senior Assistant
	Responsibilities:
	Conduct day to day MIS reporting production and circulation Handle daily administrative and operating issues of the department Follow up account opening / review process for new and existing customers under RBD as well as system input Support in Approved Facility/Loan documentations for customer’s signing/Legal arrangement and loan drawdown for retail direct sales Conduct other duties as assigned by superior from time to time

	Requirements:
	Bachelor's degree holder or above, preferably in Business Administration Minimum of 1 year working experience, preferably in banking sector Good communication and interpersonal skills Good command of written and spoken English and Chinese Candidate with less experience will be considered as Assistant

RETAIL VIP BANKING

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

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 / Officer
	Responsibilities:
	Assist in implementing/planning cost-effective marketing campaigns, activities, advertising and publicity in stimulating the business of the bank and maximizing public awareness, including all banking and insurance products and services Assist in marketing communications materials and corporate communications and items preparation, including developing, implementing and working with designers/suppliers/external parties Assist in maintaining and expanding credit 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 open days and other events or activities of the bank in performing different sales or promotional activities

	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 advantage

Part-Time Clerk
	Responsibilities:
	Conduct benchmarking survey and market research for designated products and services Perform data input and document processing Assist and support departmental daily operation and promotional activities, including coordination with both internal and external parties Able to assist on graphic design and copy writing will be an asset Perform other duties as assigned by supervisors from time to time

	Requirements:
	Form 5 or above or current students in any discipline Good command of Cantonese, Mandarin and English Good command of MS Office, Photoshop, AI Good interpersonal and communication skills

TREASURY SALES

Head of Treasury Sales
	Responsibilities:
	Responsible for the development of treasury sales and marketing business which including hedging and yield enhancement solutions for both consumer and commercial clients To plan and implement sales strategies and sales initiatives to grow the treasury income Liaise and coordinate relationship managers to promote treasury business Conduct training sessions to relationship managers to raise awareness and understanding of treasury products in order to help achieving their sale goals Coach and mentor new relationship managers in treasury products and market knowledge Perform joint appointments with relationship managers when such is required Re-evaluate treasury system capacity and streamline the sales process Broaden range of treasury products with the support of group treasury department Produce regular performance reports, data mine statistics and business plan for short and medium terms Managing the business within the limits, compliance and regulatory framework in place from time to time

Requirements:

Degree holder, preferably in Business Administration, Banking, Finance and Accounting
Registered relevant individual (type 1 & 4) of HKMA
Minimum 8 years in treasury position, with sound knowledge in treasury products and procedures. Understanding of general banking products and consumer marketing techniques
Strong strategic planning skills and be able to drive initiatives to grow business volume
A team player, processing good communication and motivation skills
Capable to present and liaise with management level
Self driven, result oriented and desire to success
Good command of English and Chinese. Fluent Mandarin will be an advantage

Deputy Manager
	Responsibilities:
	Assist to develop treasury products for purposes of hedging and yield enhancement for both personal and commercial clients Conduct training sessions to relationship managers to raise awareness and understanding of treasury products in order to help achieving their sale goals Joint appointments with relationship managers when such is required Produce regular performance reports and data mine statistics Perform the daily operation within the limits, compliance and regulatory framework in place from time to time Perform other duty or assignment as required by Treasurer from time to time

	Requirements:
	Degree holder, preferably in Business Administration, Banking, Finance, Economics or Accounting Minimum 5 years of banking experience, of which 3 years in Treasury Dealer’s position, with knowledge in treasury product and operation Good interpersonal and communication skills Good command of English and Chinese Good command of MS Office including Word, Excel and Power Point

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.)

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