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Consumer and Investment Management (CIMD)
The Consumer and Investment Management Division includes Goldman Sachs Asset Management (GSAM), Private Wealth Management (PWM) and our Consumer business (Marcus by Goldman Sachs). We provide asset management, wealth management and banking expertise to consumers and institutions around the world. CIMD partners with various teams across the firm to help individuals and institutions navigate changing markets and take control of their financial lives.
Consumer
Consumer, externally known as Marcus by Goldman Sachs, is comprised of the firm’s digitally-led consumer businesses, which include our deposits and lending businesses. It also includes our personal financial management app, Clarity Money. Consumer combines the strength and heritage of a 150-year-old financial institution with the agility and entrepreneurial spirit of a tech start-up. Through the use of insights and intuitive design, we provide customers with powerful tools that are grounded in value, transparency and simplicity to help them make smarter decisions about their money.
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What We Do
At Goldman Sachs, our Engineers don’t just make things – we make things possible. Change the world by connecting people and capital with ideas. Solve the most challenging and pressing engineering problems for our clients. Join our engineering teams that build massively scalable software and systems, architect low latency infrastructure solutions, proactively guard against cyber threats, and leverage machine learning alongside financial engineering to continuously turn data into action. Create new businesses, transform finance, and explore a world of opportunity at the speed of markets.
Engineering, which is comprised of our Technology Division and global strategists groups, is at the critical center of our business, and our dynamic environment requires innovative strategic thinking and immediate, real solutions. Want to push the limit of digital possibilities? Start here.
Who We Look For
Goldman Sachs Engineers are innovators and problem-solvers, building solutions in risk management, big data, mobile and more. We look for creative collaborators who evolve, adapt to change and thrive in a fast-paced global environment.
Consumer and Commercial Banking (CCBD) Consumer and Commercial Banking brings innovative solutions to traditional banking activities. We are a global team of lenders, investors, risk managers, skilled marketers, web experts and banking specialists. We provide a suite of solutions to help our customers meet their personal financial goals. We make direct investments in, and risk manage, a portfolio of corporate loans and securities. And we help transform distressed communities through investments and loans of private capital. Digital Finance Digital Finance, a business unit within CCBD, is comprised of the firm’s digitally-led consumer businesses, which include the Marcus deposits and lending businesses, as well as the personal financial management app, Clarity Money. Digital Finance combines the strength and heritage of a 148-year-old financial institution with the agility and entrepreneurial spirit of a tech start-up. Through the use of machine learning and intuitive design, we provide customers with powerful tools that are grounded in value, transparency and simplicity to help them make smarter decisions about their money.
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Consumer and Investment Management (CIMD)
The Consumer and Investment Management Division includes Goldman Sachs Asset Management (GSAM), Private Wealth Management (PWM) and our Consumer business (Marcus by Goldman Sachs). We provide asset management, wealth management and banking expertise to consumers and institutions around the world. CIMD partners with various teams across the firm to help individuals and institutions navigate changing markets and take control of their financial lives.
Consumer
Consumer, externally known as Marcus by Goldman Sachs, is comprised of the firm’s digitally-led consumer businesses, which include our deposits and lending businesses. It also includes our personal financial management app, Clarity Money. Consumer combines the strength and heritage of a 150-year-old financial institution with the agility and entrepreneurial spirit of a tech start-up. Through the use of insights and intuitive design, we provide customers with powerful tools that are grounded in value, transparency and simplicity to help them make smarter decisions about their money.
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Marquee Engineering is a cross-asset team that provides clients with a seamless interface to access our analytics, data, content and execution capabilities, via a browser or an API. We partner with strats, sales and traders in the firm’s Securities Division to provide best in class execution workflows, risk and analytical tools and relevant content to best suit our client channels. Our digital offerings, under the unified Marquee brand, directly correlate to market share and profitability. As a front-office engineer on the Marquee Engineering team, you will be at the forefront of shaping our client’s experience across asset classes and products. At times you will be asked to step into the trading floor environment and at others you will be called upon to guide the decisions of leadership. Wherever your interests fall, you will find your calling amidst our diverse mix of teams and functions. Using leading open source technologies, we are scaling to many API calls and millisecond-level response times that power our apps used by clients. We are pursuing engineers across the stack, from those who are confident working with low latency processes through individuals passionate in implementing responsive user interfaces. Our team works on agile principles that are flexible to client requests which have need for us to rapidly prototype and turn around high quality tested code in short time frames.
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Consumer and Commercial Banking brings innovative solutions to traditional banking activities. We are a global team of lenders, investors, risk managers, skilled marketers, web experts and banking specialists. We provide a suite of solutions to help our customers meet their personal financial goals. We make direct investments in, and risk manage, a portfolio of corporate loans and securities. And we help transform distressed communities through investments and loans of private capital. Digital Finance Digital Finance, a business unit within CCBD, is comprised of the firm’s digitally-led consumer businesses, which include the Marcus deposits and lending businesses, as well as the personal financial management app, Clarity Money. Digital Finance combines the strength and heritage of a 148-year-old financial institution with the agility and entrepreneurial spirit of a tech start-up. Through the use of machine learning and intuitive design, we provide customers with powerful tools that are grounded in value, transparency and simplicity to help them make smarter decisions about their money.
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What We Do
At Goldman Sachs, our Engineers don’t just make things – we make things possible. Change the world by connecting people and capital with ideas. Solve the most challenging and pressing engineering problems for our clients. Join our engineering teams that build massively scalable software and systems, architect low latency infrastructure solutions, proactively guard against cyber threats, and leverage machine learning alongside financial engineering to continuously turn data into action. Create new businesses, transform finance, and explore a world of opportunity at the speed of markets.
Engineering, which is comprised of our Technology Division and global strategists groups, is at the critical center of our business, and our dynamic environment requires innovative strategic thinking and immediate, real solutions. Want to push the limit of digital possibilities? Start here.
Who We Look For
Goldman Sachs Engineers are innovators and problem-solvers, building solutions in risk management, big data, mobile and more. We look for creative collaborators who evolve, adapt to change and thrive in a fast-paced global environment.
Consumer and Investment Management (CIMD)
The Consumer and Investment Management Division includes Goldman Sachs Asset Management (GSAM), Private Wealth Management (PWM) and our Consumer business (Marcus by Goldman Sachs). We provide asset management, wealth management and banking expertise to consumers and institutions around the world. CIMD partners with various teams across the firm to help individuals and institutions navigate changing markets and take control of their financial lives.
Consumer
Consumer, externally known as Marcus by Goldman Sachs, is comprised of the firm’s digitally-led consumer businesses, which include our deposits and lending businesses. It also includes our personal financial management app, Clarity Money. Consumer combines the strength and heritage of a 150-year-old financial institution with the agility and entrepreneurial spirit of a tech start-up. Through the use of insights and intuitive design, we provide customers with powerful tools that are grounded in value, transparency and simplicity to help them make smarter decisions about their money.
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The Equities Quant Program in APAC delivers a platform for GS' current and prospective quant clients for trading Equities. Quant developers are focused on infrastructure for the lifecycle of trades for these quant clients. Key features include lower latency, higher throughput, position and account management for both co-location and existing GS OM2 flows.
Additional engineers allow for platform build roadmap between 2017-2019, allowing GS to significantly grow gross revenues from 2016 to 2020. Quant clients will also drive increases in market share for GS APAC over the same timeframe, leading significant benefits in both tiering and liquidity for all clients.
Without these roles, GS expects to take significantly longer to develop the same functionality, with expected risk of competitors accelerating their builds, leaving GS unable to reach revenue targets for quants. OM2 is the key Order Management System underpinning the Equities flows. Development to replace OMA with OM2 is critical to improve capacity (10x), throughput (3x), and latency (60x), which is critical for preparing the firm for quant clients.
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What We Do
The Structured Credit Trading business often involves creating solutions customized to each client’s specific needs/situations. Therefore, unlike flow trading of relatively more matured products, no two trades are alike.
In the past years, we have analyzed and transacted a vast spectrum of product, including corporate debt, aircraft leasing, project financing, mortgages, commodity, sovereign debt and private loans. There is plenty of new area to explore in our world and our Strats team is highly valued by the business.
Your Impact
As an SCT Strat, you will play a noticeably central role in trade structuring, pricing, execution and risk management. More so than at most other desks. This presents a highly visible platform to use your skills and knowledge into making a tangible impact to the firm’s bottom line.
As an SCT Strat, you will gain familiarity with a wide range of asset classes & risk factors despite sitting in a single business. This is provides an invaluable and unusual opportunity to build a deep foundation of product knowledge.
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INVESTMENT BANKING
Our division works on some of the most complex financial challenges and transactions in the market today. Whether advising on a merger, providing financial solutions for an acquisition, or structuring an initial public offering, we handle projects that help clients at major milestones. We work with corporations, pension funds, financial sponsors, and governments and are team of strong analytical thinkers, who have a passion for producing out-of-the-box ideas.
Corporate Cash Management
We aim to build a modern and digital-first cash management solution to serve our clients. Our business combines the strength, heritage, and expertise of a 150-year-old firm with the agility and entrepreneurial spirit of a tech start-up. Our goal is to provide a best-in-class digital product that helps clients to succeed by giving them a holistic view of their business. Through the use of modern technology built on the cloud, we are the alternative to legacy platforms. We’re a team of diverse experts helping our clients to build the future of their Treasury.
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What We Do
At Goldman Sachs, our Engineers don’t just make things – we make things possible. Change the world by connecting people and capital with ideas. Solve the most challenging and pressing engineering problems for our clients. Join our engineering teams that build massively scalable software and systems, architect low latency infrastructure solutions, proactively guard against cyber threats, and leverage machine learning alongside financial engineering to continuously turn data into action. Create new businesses, transform finance, and explore a world of opportunity at the speed of markets.
Engineering, which is comprised of our Technology Division and global strategists groups, is at the critical center of our business, and our dynamic environment requires innovative strategic thinking and immediate, real solutions. Want to push the limit of digital possibilities? Start here.
Who We Look For
Goldman Sachs Engineers are innovators and problem-solvers, building solutions in risk management, big data, mobile and more. We look for creative collaborators who evolve, adapt to change and thrive in a fast-paced global environment.
What We DoAt Goldman Sachs, our Engineers don’t just make things – we make things possible. We change the world by connecting people and capital with ideas and solve the most challenging and pressing engineering problems for our clients. Our engineering teams build scalable software and systems, architect low latency infrastructure solutions, proactively guard against cyber threats, and leverage machine learning alongside financial engineering to continuously turn data into action.Engineering, which is comprised of our Technology Division and global strategist groups, is at the critical center of our business. Our dynamic environment requires innovative strategic thinking. Want to push the limit of digital possibilities? Start here.Who We Look ForGoldman Sachs Engineers are innovators and problem-solvers, building solutions in risk management, big data, mobile and more. We look for creative collaborators who evolve, adapt to change and thrive in a fast-paced global environment.The Consumer and Commercial Banking Division (CCBD) brings innovative solutions to traditional banking activities. We are a global team of lenders, investors, risk managers, skilled marketers, web experts and banking specialists. We provide a suite of solutions to help our customers meet their financial goals. We make direct investments in and manage risk for a portfolio of corporate loans and securities. We help transform distressed communities through investments and loans of private capital.Commercial BankingCommercial Banking, a business unit within CCBD, aims to provide comprehensive cash management solutions for corporations. CCBD Commercial Banking combines the strength and heritage of a 148-year-old financial institution with the agility and entrepreneurial spirit of a tech start-up. Our goal is to provide the best client experience. Through the use of modern technologies centered on data and analytics, we provide customers with powerful tools that are grounded in value, transparency and simplicity to improve cash flow management efficiency.
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What We Do
As a strategist who sits in the Securities Division, you will play an integral role in the success of the Division. You will help the Securities Division comply with the various regulatory policies that have been enacted in recent years—Volcker, Dodd-Frank, etc. You will build calculators to model risks and scenario analysis, and gain a deep understanding of regulatory requirements. You will have an opportunity to help make the Division more efficient, and work with senior traders who review the results of these models and impact their business.
Your Impact
The team has unique vantage into the workings of the entire division. As such we get to see all the business’ (Fixed Income, Currencies, Commodities, Equities) that comprise the Division, as well as insight into both the market making side and investing side of the business. Due to the environment and team makeup, we have more exposure and connectivity to more in the division than most other Strats.
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OPERATIONS
Operations is a dynamic, multi-faceted division that partners with all parts of the firm to provide banking, securities, and asset management services to clients around the world. In addition, Operations provides essential risk management and controls to preserve and enhance the firm's assets and its reputation. For every new product launched and every trade executed, it is Operations that develops and manages the processes and controls that enable business flow.
YOUR IMPACT
You are looking to join a fast-paced, dynamic team that has broad connectivity across the firm for a franchise critical process. You will collaborate with cross-Federation teams and across the globe to manage the firm’s cash payments and receipts each day. You have a strong desire to learn about the firms different businesses and how they support our client and manage business risks, as well as work closely with a network of key banks and internal payments team to ensure smooth execution.
OUR IMPACT
Treasury Services is a global, multi-faceted and cross product team within Operations. The primary objective of the team is to deliver smooth payments execution and reconciliation, and tying it back to tight ledger integrity. Treasury Services has regional presence in Salt Lake City, New York, London, Warsaw, Bangalore, Singapore, and Tokyo. Payment Operations serves as the firm’s central bank for processing and managing all incoming and outgoing cash movements, and monitoring transactions for compliance to legal and regulatory requirements. Our team also works actively in the payment regulation and payment infrastructure space.
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What We Do
At Goldman Sachs, our Engineers don’t just make things – we make things possible. Change the world by connecting people and capital with ideas. Solve the most challenging and pressing engineering problems for our clients. Join our engineering teams that build massively scalable software and systems, architect low latency infrastructure solutions, proactively guard against cyber threats, and leverage machine learning alongside financial engineering to continuously turn data into action. Create new businesses, transform finance, and explore a world of opportunity at the speed of markets.
Engineering, which is comprised of our Technology Division and global strategists groups, is at the critical center of our business, and our dynamic environment requires innovative strategic thinking and immediate, real solutions. Want to push the limit of digital possibilities? Start here.
Who We Look For
Goldman Sachs Engineers are innovators and problem-solvers, building solutions in risk management, big data, mobile and more. We look for creative collaborators who evolve, adapt to change and thrive in a fast-paced global environment.
Make data a strategic asset for the enterprise by providing a platform that enables the structuring, management, integration, control, discovery, usage, and governance of our Data Assets.
Enterprise Platforms is a global, multi-disciplinary team responsible for researching, designing, testing and building world-class tools, practices and systems used across Goldman Sachs. Partnering with colleagues from Technology and the business, EP solves critical problems, maintains and strengthens essential systems, provides training and internal consultancy, and safeguards the firm’s culture of high-caliber software engineering.
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SECURITIES
Our core value is building strong relationships with our institutional clients, which include corporations, financial service providers, and fund managers. We help them buy and sell financial products on exchanges around the world, raise funding, and manage risk. This is a dynamic, entrepreneurial team with a passion for the markets, with individuals who thrive in fast-paced, changing environments and are energized by a bustling trading floor.
Job Summary & Responsibilities
Divisional Overview
Goldman Sachs’ Strats business unit is a world leader in developing quantitative and technological solutions to solve complex
business problems. Working within the firm’s trading, sales, banking and investment management divisions, Strats use their
mathematical and scientific training to create financial products, advise clients on transactions, measure risk, and identify market opportunities.
Execution Services Strats
Execution Services Strats are responsible for understanding what drives the business and subsequently designing, implementing, testing, and supporting the systems and strategies to achieve this. The functional domain spans order management and metrics, flow mechanization, crossing and workflow systems. The team interfaces on a regular basis with sales, trading, technology, external clients, and other Strats teams.
Key responsibilities:
• Use creative technological solutions to streamline one-delta business workflows
• Collect and analyze large amounts of unique data to deliver insight and revenue opportunities
• Identify and develop crossing and flow merchandising opportunities
• Provide execution consultation for traders, sales traders and clients
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What We Do
At Goldman Sachs, our Engineers don’t just make things – we make things possible. Change the world by connecting people and capital with ideas. Solve the most challenging and pressing engineering problems for our clients. Join our engineering teams that build massively scalable software and systems, architect low latency infrastructure solutions, proactively guard against cyber threats, and leverage machine learning alongside financial engineering to continuously turn data into action. Create new businesses, transform finance, and explore a world of opportunity at the speed of markets.
Engineering, which is comprised of our Technology Division and global strategists groups, is at the critical center of our business, and our dynamic environment requires innovative strategic thinking and immediate, real solutions. Want to push the limit of digital possibilities? Start here.
Who We Look For
Goldman Sachs Engineers are innovators and problem-solvers, building solutions in risk management, big data, mobile and more. We look for creative collaborators who evolve, adapt to change and thrive in a fast-paced global environment.
Goldman Sachs Technology Risk is leading threat, risk analysis and data science initiatives
that are helping to protect the firm and our clients from information and cyber security risks. Our team equips the firm with the knowledge and tools to measure risk, identify and mitigate threats and protect against unauthorized disclosure of confidential information for our clients, internal business functions, and our extended supply chain.
GLOBAL RISK MEASUREMENT & ANALYTICS identifies control weakness, adherence to regulatory requirements, and allows for the continuous control monitoring of individual key performance indicators that demonstrate the value of information security. This program
leverages tools and modeling to ensure technology policies and standards address critical risks and adequately address regulatory expectations throughout the Firm.
Candidate will be responsible for understand technology data from across the organization, modelling and loading into the lake, and produce quality measures / metrics from it that adhere to control standards and thresholds.
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TECHNOLOGY
Our team of engineers builds solutions to the most complex problems. We develop cutting-edge systems and processes that form the core of our key business and enable transactions to move in milliseconds. We provide real-time access to critical deal information and crunch billions of data points each day to inform firm-wide market insights and strategies. Team members have the opportunity to work at the forefront of technology innovation alongside industry leaders and make significant contributions to the field.
YOUR IMPACT
R&D Engineers are accomplished creative thinkers who contribute their own original perspectives and ideas to a highly collaborative environment that values real world delivery in order to drive business demands and outcomes. As a Research Engineer, you would be working in an enthusiastic and self-starting team of talented individual contributors with diverse opinions who relish the opportunity to pursue a wide variety of challenging problem spaces. Research Engineers are expected to be working with core businesses to fundamentally push the boundaries in FinTech.
As a Research engineer, you will work in an R&D group focused on developing and using AI technology for a variety of applications in the financial industry. As such, you must have a solid working knowledge of machine learning techniques and methods – from knowing how to curate data (collect it, clean it, analyze it), develop labeled data (for supervised learning), to developing appropriate models and evaluating them (including knowing how to break them by generating adversarial examples). You must have a thirst to learn and understand new AI techniques and apply them to the problems at hand.
OUR IMPACT
You will work across a wide range of business units as an elite team of engineers dedicated to delivering business critical priorities, using innovative methods and technologies. The R&D group acts as a surge squad responsible for accelerating a specific high impact Technology Division project driven by our comprehensive research.
NOW YOU WILL FULFILL YOUR POTENTIAL
- Explainable Machine Learning and Applied Artificial Intelligence
- Verification and Security on Distributed Ledgers and Block Chains
- Game Theory and Quantum Computing
- Optimizations in Large Scale Distributed Calculations
- Robotic Process Automation
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Consumer and Commercial Banking (CCBD)
Consumer and Commercial Banking brings innovative solutions to traditional banking activities. We are a global team of lenders, investors, risk managers, skilled marketers, web experts and banking specialists. We provide a suite of solutions to help our customers meet their personal financial goals. We make direct investments in, and risk manage, a portfolio of corporate loans and securities. And we help transform distressed communities through investments and loans of private capital
Digital Finance Description
Digital Finance, a business unit within CCBD, is comprised of the firm’s digitally-led consumer businesses, which include the Marcus deposits and lending businesses, as well as the personal financial management app, Clarity Money. Digital Finance combines the strength and heritage of a 148-year-old financial institution with the agility and entrepreneurial spirit of a tech start-up. Through the use of machine learning and intuitive design, we provide customers with powerful tools that are grounded in value, transparency and simplicity to help them make smarter decisions about their money.
Responsibilities:
Managing suppliers involves the deliberate balancing of risk, performance, relationship and cost management activities. As a member of the Supplier Management team, you will work closely with the Supplier Manager to support our external suppliers who provide goods and services that support Digital Finance. This role plays an important role for the business, working closely with management, third party suppliers, cross-functional teams, and other firmwide stakeholders (Technology, VROs, etc.).
- Work closely with Supplier Management leadership team and assist with third party management tasks and oversight
- Liaise with procurement, supplier, and management to resolve site supplier issues and identify trends to assure third party management compliance
- Perform reconciliation for proper invoice review and payment
- Act as a resource/SME to the supplier management systems
- Conduct system testing and IT support
- Gather key metrics for presentations to management team, including supplier related concerns and issues, noted trends and compliance concerns
- Support the preparation of ad hoc analysis that enables strong understanding of the business
- Apply best judgment and demonstrate comfort with ambiguous requests
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What We Do
At Goldman Sachs, our Engineers don’t just make things – we make things possible. Change the world by connecting people and capital with ideas. Solve the most challenging and pressing engineering problems for our clients. Join our engineering teams that build massively scalable software and systems, architect low latency infrastructure solutions, proactively guard against cyber threats, and leverage machine learning alongside financial engineering to continuously turn data into action. Create new businesses, transform finance, and explore a world of opportunity at the speed of markets.
Engineering, which is comprised of our Technology Division and global strategists groups, is at the critical center of our business, and our dynamic environment requires innovative strategic thinking and immediate, real solutions. Want to push the limit of digital possibilities? Start here.
Who We Look For
Goldman Sachs Engineers are innovators and problem-solvers, building solutions in risk management, big data, mobile and more. We look for creative collaborators who evolve, adapt to change and thrive in a fast-paced global environment.
Working in a global team to develop core data platforms for the firm leveraging the big data technologies including Hadoop, HBase, Spark and Pig. Developing PURE data models for common data sets. Develop large data warehouses from Securities Division for trades, risk, P&L and gross credits.
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Consumer and Investment Management (CIMD)
The Consumer and Investment Management Division includes Goldman Sachs Asset Management (GSAM), Private Wealth Management (PWM) and our Consumer business (Marcus by Goldman Sachs). We provide asset management, wealth management and banking expertise to consumers and institutions around the world. CIMD partners with various teams across the firm to help individuals and institutions navigate changing markets and take control of their financial lives.
Consumer
Consumer, externally known as Marcus by Goldman Sachs, is comprised of the firm’s digitally-led consumer businesses, which include our deposits and lending businesses, as well as our personal financial management app, Clarity Money. Consumer combines the strength and heritage of a 150-year-old financial institution with the agility and entrepreneurial spirit of a tech start-up. Through the use of machine learning and intuitive design, we provide customers with powerful tools that are grounded in value, transparency and simplicity to help them make smarter decisions about their money.
Responsibilities:
Are you passionate about operations, leadership, and using digital tools to provide solutions to consumers? We’re looking for a team member who wants to use their skills and ideas to create and then lead new processes and teams.
- Serve as 2nd level escalation tier for servicing, collections, fraud, onboarding and back office related complaints
- Exceed all quality standards and customer expectations of great service
- Consistently uphold all compliance and regulatory standards in customer dealing
- Provide excellent customer service and provide answers to client questions within set standards
- Follow up on unfavorable surveys responses to understand root cause and remediate/escalate as needed
- Serve as customer advocate for non -regulatory complaints
- Participate in the planning of small to moderate scope projects
- Assist in tracking and trend analysis of customer complaints to the end that we reduce complaints and consistently improve the customer experience
- Ensure efficiency in case management to ensure Turn Around Time targets exceeded for all business units
- Demonstrate advanced knowledge of multiple areas of consumer banking operations
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OPERATIONS
Operations is a dynamic, multi-faceted division that partners with all parts of the firm to provide banking, securities, and asset management services to clients around the world. In addition, Operations provides essential risk management and controls to preserve and enhance the firm's assets and its reputation. For every new product launched and every trade executed, it is Operations that develops and manages the processes and controls that enable business flow.
