Standard Chartered—FEMA Cross Border Specialist

Job description

Description: Job Summary • Partner with Treasury Sales, Relationship Managers, Product, Legal, Compliance and Operations to structure and review client solutions within applicable FEMA and RBI requirements. • Translate complex regulatory requirements into practical guidance for client-facing teams and scalable advisory playbooks. • Strengthen first-line governance by documenting regulatory rationale, escalation triggers, required approvals and transaction conditions. Key Responsibilities FEMA and Capital Account Advisory • Provide advice on ODI, OPI, FDI, ECB, LRS, non-resident banking, export/import realisation, share transfers, inter-company loans, guarantees and cross-border remittances. • Assess transaction permissibility, documentation, reporting requirements and execution path in partnership with payments team. • Prepare concise advisory notes, transaction feasibility views and escalation summaries for internal and client discussions. Client and Business Enablement • Support SME, Retail and Wealth teams in client meetings involving FEMA, FX and cross-border transaction themes. • Identify advisory-led opportunities across permitted foreign exchange flows, capital account transactions and treasury use cases. • Conduct client clinics, webinars and internal enablement sessions for priority segments. Governance, Risk and Conduct • Ensure regulatory requirements are observed in letter and spirit across advisory and transaction support activities. • Identify, escalate and help mitigate regulatory, conduct, operational, AML and sanctions risks. • Maintain trackers for advisory cases, regulatory updates & approvals, key risks and follow-up actions. Motivation Motivations for success in this role: • Energised by solving complex regulatory problems and converting them into clear client and frontline guidance. • Motivated by building a compliant growth engine across SME, Retail and Wealth client segments. • Values collaboration with Legal, Compliance, Operations and Sales to deliver safe, practical and client-focused outcomes Skills and Experience Must-have Skills • FEMA and RBI regulatory interpretation • Capital account transactions: ODI / OPI / FDI / ECB / LRS • Client advisory and cross-border transaction structuring Other Skills • FX products, treasury flows and client lifecycle • Risk, conduct, AML and sanctions awareness • Stakeholder management and written advisory communication • Training, playbook creation and regulatory knowledge management Qualifications Key Experiences • 8 to 15 years of relevant experience in FEMA advisory, banking, treasury, Big 4 consulting, leading law firms, FEMA consulting or cross-border transaction advisory. • Strong working knowledge of FEMA, RBI master directions, ODI Regulations, OPI, FDI Policy, ECB framework, LRS, non-resident banking and current/capital account rules. • Experience supporting client-facing teams and preparing advisory notes, governance summaries and transaction feasibility views. Certifications / Qualifications • CA / CS / CFA / MBA Finance preferred. • LLB desirable for candidates with strong regulatory advisory background. • Any relevant certification in FEMA, international trade, treasury, compliance or financial regulation will add value. Languages • English: Expert. • Hindi or relevant local Indian language: preferred for client engagement. • Ability to draft clear internal and client-facing regulatory communication. About Standard Chartered We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us. Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together we: Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term What we offer In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing. Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations. Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum. Flexible working options based around home and office locations, with flexible working patterns. Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning. Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.