About the Role
Responsible for overseeing a Smart Financial Centre (SFC), a digital-first Financial Centre for Deposits, Wealth Management, Takaful, and Digital Banking. The role is centered on driving top-tier sales performance and advisory excellence while maintaining full P&L accountability.
Responsibilities
Sales & Advisory
- Deliver Financial Centre-wide sales targets across products: Affluent NTB CASA.
- Drive Financial Centre revenue while ensuring Relationship Manager achieves their monthly target.
- Build an advisory sales culture focused on needs-based solutions for Affluent and retail customers.
- Oversee RM portfolio management and ensure proactive customer engagement.
- Lead wealth-focused discussions, financial advisory, and suitability assessments.
- Ensure all Wealth & Takaful advice adheres to regulatory guidelines.
- Guide RMs to increase penetration of high-value products.
- Promote MyAlrajhi App for account opening, debit card requests, and service transactions.
- Drive digital utilization, self-service migration, and paperless processes.
- Educate customers on digital banking tools and available self-service channels.
Financial Centre Operations
- Perform biometric verification, signature matching, and identity validation for customers.
- Ensure accuracy of all customer verification steps before submission to HQ.
- Receive customer requests (account maintenance, updates, service requests).
- Scan and upload documents via CRM for processing by HQ teams.
- Ensure documents are indexed correctly and meet processing standards.
- Follow up with HQ on pending items when required.
- Account Opening Support (via MyAlrajhi App)
- Escalate queries or incomplete digital applications to HQ.
- Oversee Financial Centre physical security (access control, safety protocols).
- Ensure adherence to operational risk management frameworks.
- Conduct regular centre briefings on compliance, operational updates, and risk awareness.
Customer & Service Excellence
- Act as the final escalation point for complex customer issues and complaints.
- Maintain service standards aligned with ARBM quality expectations.
- Ensure seamless customer experience for advisory discussions and digital onboarding.
- Manage customer flows in a lean, cashless environment.
- Promote professionalism, fairness, and transparency in all customer interactions.
People Leadership
- Lead, coach, and mentor Relationship Managers.
- Conduct regular performance reviews, coaching sessions, and capability-building for wealth and advisory skills.
- Build a high-performance culture that balances sales achievement with compliance discipline.
Branch Compliance Officer
- Safeguard the Bank's financial interests, integrity, and reputation by ensuring strict adherence to internal controls, policies, procedures, and delegated authorities at the branch level.
- Ensure compliance with all applicable laws, regulations, and supervisory requirements, including AML/CFT/CPF and sanctions obligations, and the consistent implementation of internal compliance programmes, policies, and procedures at branch level.
- Ensure proper maintenance of accurate and complete records, and the timely identification, escalation, and reporting of suspicious activity reports (SAR), sanctions breaches, or other compliance issues, in accordance with regulatory and internal requirements.
- Oversee, monitor, and ensure that branch staff receive appropriate training on AML/CFT/CPF and sanctions policies and procedures, and that such requirements are effectively embedded into day‑to‑day business processes and operational practices.
- Act as the primary liaison between the branch and the Compliance Division on AML/CFT/CPF, sanctions, and broader regulatory compliance matters, including escalation of issues, implementation of directives, and communication of compliance expectations.
General
- Support transformation initiatives related to digital migration and cashless centre strategy.
- Assist with internal projects when assigned by the Immediate Leader or Division Head.
- Demonstrate agility, problem-solving, and strong decision-making in daily operations.
Qualifications
- Bachelor's degree in business administration, Finance, or a related field.
- Mandatory licenses required for the sale of Wealth Management Products within the jurisdiction.
Required Skills
- Minimum of 5-7 years of progressive experience in the banking or financial services sector.
- At least 5 years in a managerial or team lead capacity managing a sales or service team within a branch environment.
- Proven track record of consistently achieving branch or team sales targets in Wealth Management products, Affluent segments, and AUM growth.
- Expert-level financial acumen and analytical skills related to banking P&L, cost management, and sales performance metrics.
- Deep operational knowledge of branch P&L management, risk control procedures, and compliance/AML/CFT guidelines.
- Experience managing a branch with a significant Wealth Management or Affluent segment focus.
Preferred Skills
- Exceptional Leadership and People Management skills, with the ability to coach, inspire, and drive accountability across a multi-functional team.
- Strong Sales Acumen and Strategy Development skills to analyze market data, set targets, and execute a profitable sales plan.
- Expert-level knowledge of Operational Risk and Compliance.
- Excellent problem-solving, decision-making, and conflict resolution skills for handling complex customer complaints and operational issues.
- Proficiency in analyzing performance data using advanced spreadsheet or business intelligence tools.
