• Develop and contribute to supporting the improvement of a global advanced risk culture;
• Develop the existing reporting framework, provide quantitative metrics and KPIs to measure and communicate on risk and data management and contribute to the organizational committees related to its perimeter of intervention;
• Ensure the development and implementation of adequate governance, training and awareness plan for the entity.

• Assume the role of Data Protection & Privacy Manager in Cardif Support;
• Contribute to the continuous improvement of a data protection framework and assist in the performance of the day-to-day activities related to the implementation and development of any data related activities;
• Ensure the execution of the actions required to prevent the occurrence of data protection incidents;
• Identify the data protection alerts requiring immediate attention and deploy any corrective / preventive actions, including its escalation and reporting;
• Contribute, manage, monitor and liaise with the relevant stakeholders, to the identification and registering of data processing activities, ensuring its systematic update;
• Respond to Cardif Corporate and BNP Group data controls;
• Create action plans in order to maintain full compliance with global data requirements;
• Maintain local data governance aligned with BNP Group and Cardif Corporate directives;
• Monitor and update local risk and data procedures.

• Degree in related area;
• Previous working experience, ideally in a function related to data, internal control, audit, compliance, risk or similar;
• Holder of relevant certifications, such as CIPP or CISM; 
• Fluency in English – Portuguese is appreciated, French is a plus;
• Between 3 and 5 years of experience; 
• Very good analytical and organization skills, attention to detail; 
• High sense of confidentiality; 
• Strive for customer satisfaction and aim to deliver high-quality results; 
• Very good written and oral communication skills.

• Generous Perks: Enjoy meal, child and monthly flexible benefits allowances as part of our comprehensive benefits package.
• Comprehensive Coverage: Rest easy with our top-notch insurance package. You’ll have health insurance, applicable to your spouse and descendants as well as life insurance.
• Flexibility Redefined: Embrace our hybrid working model for a perfect balance of commitment and personal flexibility.
• Endless and tailored Professional Growth: Fuel your career aspirations with continuous development opportunities on both local and global scales.
• Vibrant Work Environment: Immerse yourself in our modern amenities, including Zen rooms, free language courses, and diverse company events.
• Culture of Care: Be part of a multicultural environment that prioritizes employee wellbeing and professional growth.

• The main mission of the Business Management Officer for Middle Office European Operations Location Efficiency (MO EOLE) is to analyse coordinate, carry out and control operations, relating to securities activities of BGL – BNP Paribas Luxembourg, in compliance with procedures and under the best conditions of quality, time and reliability

Your Main Activities Are

• Analysis and coordination of processes, related to securities activities, executed via the EOLE platform 
• Act as a facilitator and intermediary, as defined for Middle-Office EOLE employees between back-office teams and relationship managers
• Ensure contact with internal and external interlocutors. Contribute, through its position in the organization, to the resolution of issues/difficulties identified and raised. Respond to a request in an efficient manner
• Provide to the back-offices, the necessary support and documents, to process the operations
• Assuring the controls, defined in the control plan to control risks
• Report regularly on the progress of its activities to the line manager – MO EOLE Team Leader
• Contribute to the continuous improvement of the platform related to quality, performance and risk control
• Actively participate in the drafting and updating of Middle-Office procedures and work instructions
• Contribute to the improvement and adaptability rate of the team
• Actively contribute to internal projects, impacting the section/service
• Actively contribute to foster a good work environment and be a team player

• Bachelor’s (3-5 years) in Business Management
• Bachelor’s (3-5 years) in Marketing and Communications
• MS Office Pack Microsoft Excel: Proficient
• MS Office Pack Microsoft PowerPoint: Proficient
• Financial Analysis and Advisory
• Marketing and Communications
• Administrative Support
• Adaptability: Proficient
• Communication skills – oral & written: Proficient
• Organisational skills: Proficient
• Ability to develop and leverage networks: Beginner
• English (Fluent)

#LI-Hybrid

Why joining BNP Paribas? 

BNP Paribas, the European leader in banking and financial services in Europe, operates in 64 countries and has nearly 180,000 employees. The Group is structured around three operating divisions. Its business lines cooperate closely, as part of our integrated model, to meet the needs of all our clients in a coordinated manner:

Our presence in Portugal

In Portugal since 1985, BNP Paribas today has more than 9.700 employees, distributed across the Group’s 10 business entities established in the country. Its presence also extends to 11 excellence centers providing value-added services to various countries where the BNP Paribas Group also operates.

Diversity and Inclusion Commitment

BNP Paribas´ ambition is to cultivate an open and responsive environment for all that encourages collaboration and interaction. We demonstrate our commitment by actively contributing to the Group’s Diversity and Inclusion strategy and goals, in line with the United Nations Sustainable Development Goals. As part of our local Corporate and Social Responsibility – Diversity & Inclusion strategy, BNP Paribas Portugal is committed to:

To foster the effort of BNP Paribas Portugal, multiple initiatives and events take place throughout the year where our people can find out more on the importance of diversity inclusion at the workplace and in our society.

Remote Working Conditions

At BNP Paribas, we embrace a Smart Working framework based on trust, autonomy and collaboration. Within this framework, eligible employees can benefit from flexible remote working options adapted to our hybrid working environment. To ensure a comfortable and efficient working setup, eligible employees are provided with both office and home equipment, are entitled to an equipment allowance and can benefit from exclusive partnerships to purchase additional items at reduced prices. 

Commitment towards work/life balance

Supporting employees in a hybrid way of working while providing them with the means to maintain a work-life balance is an essential dimension of our Smart Working program. At BNP Paribas, we care about our employees’ wellbeing and promote a culture of good integration between work and personal life. 

To find out more on why you should join BNP Paribas please read our Employee Value Proposition and our Career path page.

* Please note that only applications submitted in English will be considered. 

* In case you are selected for this role, further documentation will be requested to support your hiring process.

• The Operational and Permanent Control (OPC) Analyst operates the Control framework relating to all operational risks, including Fraud, Third Party, Conduct, Compliance, Regulatory, Information & Communication Technology risks, and others risks types. OPC is responsible for the deployment of internal policies and procedures issued by specialize independent control functions part of Risk teams (2nd Line of Defence), and for the compliance with external regulatory and supervisory requirements

• Identify and assess risks and controls (Risk and Control Self-Assessment) by ensuring that key operational units and processes, material risks and risk mitigants are identified
• Perform/drive the risk identification and assessment in liaison with independent control Functions when needed, ensuring validation by the relevant management level and consistency with the defined risk tolerance. Contribute to the definition and follow-up of remediation plan if needed
• Manage Procedures by ensuring that Group procedures requirements are implemented locally, complemented with local specificities (regulations, tools, organizations …). Ensure that the procedures designed by the businesses and functions are identified, updated, properly stored and communicated to the relevant stakeholders within the Operating Entity. Identify and propose calibration of procedures according to the outcome of the risk assessment and other risk events ( historical incidents, control results, external events, Audit missions)
• Implement Controls and action plans: by defining and regularly updating the control plans according to the outcome of the risk assessment, regulations, other risk events (Historical Incidents, control results, external events, Audits). Perform and/or coordinate controls according to this control plan. Ensure that control results are reviewed and analysed by the Management and when relevant by operational teams / relevant stakeholders and that remediation action plans are defined if and when needed. Input in Group tools the control results and major action plans. Follow-up the implementation of remediation actions
• Document findings, recommendations and permanent control actions: Upon notification/receipt of reports, organise the follow-up of the findings and recommendations, either issued internally (e.g. Inspection General supervision) or externally (external auditors, supervisors) and ensure that they are closed within due date
• Manage historical incidents by alerting the management and the independent control functions if needed on key incidents. Collect incidents (including impacts measurement), report and update in the incidents database, including suspected and attempted fraud cases. Analyse incidents in a timely manner and define, jointly with the relevant stakeholders, the correctives measures be implemented to mitigate risks. Follow-up and /or initiate the implementation of remediation actions and the unfolding of long term incidents. Perform controls on the incident collection process, in particular the cross-check with other databases (accounting or other when existing) and the half-yearly attestation by the local management
• Provide Management support and governance by active contribution (or organization) to any committee on Operational risks and Permanent Control committees. Alert and escalate to the relevant level of management any operational risk incident and/or any recurring weakness. Perform periodic and ad-hoc reporting to the appropriate level of management as well as to independent control functions. Ensure an appropriate training on Operational risks and Permanent Control framework is provided to employees, notably newcomers. Show ability to take ownership of specific OPC activity streams/topics, and be able to deliver the full and exhaustive actions taken on the assigned process(es) to the management

• MS Office Pack Microsoft Excel (Proficient)
• MS Office Pack Microsoft Word (Proficient)
• MS Office Pack Microsoft Powerpoint (Proficient)

• Corporate & Institutional Banking (CIB), connects corporate clients needing financing and institutional clients looking for investment opportunities;
• Commercial, Personal Banking & Services (CPBS), brings together all the Group’s commercial & personal banking and several specialised businesses;
• Investment & Protection Services (IPS), combines a unique continuum of products and services across protection, saving, investment and real-estate.

• Promote a fair and unbiased recruitment process and offer professional development opportunities to all employees;
• Celebrate diversity and advocate for inclusion, both externally and internally, encouraging employee’s participation, creating space for different voices to be heard.

• Under the responsibility of the local Financial Controller Team Leader based in Lisbon Office and functionally to the Head of Performance Management Switzerland, the Senior Financial controller will perform the following activities

• Management accounting:
• Champion continuous improvement of finance processes, reporting tools, and data integrity
• Perform and review Profit and Loss (P&L) reconciliations for all major revenue accounts by business lines
• Coordination with the Accounting Department on all issues related to the booking of revenues, Assets, Deposits and Loans and Cost of Risk
• Implement and perform relevant accounting controls and standards
• Responsible for the loading of Wealth Management (WM) results and Key Performance Indicators (KPIs) in the Perseus WM environment (monthly basis)
• In charge of the CP2A tool and everything related to this tool (from the loading of CP2A, the access management and the support to the users)
• Monthly performance:
• Serve as the primary point of contact for performance‑management WM queries
• Design and maintain KPIs and dashboards for WM business
• Production of monthly analysis/reports on the Business activity/performance
• Perform regular variance analysis and root‑cause investigations
• Budgeting and Forecasting:
• Responsibility of the loading/submission of Forecast/Budget figures in due time and at the granularity requested (as per Head Office/Local Management guidelines)
• Projects and others:
• Lead performance‑management improvement projects (e.g., automation of data collection, introduction of advanced analytics)
• Optimization of the existing processes
• Assist the systems upgrades, enhancements related to new reporting requirements
• Contribute to regulatory reporting, audit and Swiss Financial Market Supervisory Authority (FINMA) / Swiss National Bank (BNS) requests

• Bachelor’s or Master’s degree in finance, Accounting, Management or Economy
• At least 3 years of experience in Audit, Management Control or Financial reporting role
• Proficiency in Microsoft Office (Excel)
• Proficiency in Tagetik, BI4
• Fluency in English 
• Budget Steering
• Financial and Performance Analysis
• Digital Knowledge and Culture 
• Data Processing 
• Ability to anticipate business/strategic evolution
• Ability to set up relevant performance indicators
• Ability to Deliver/Results Driven 
• Resilience
• Adaptability 
• Capacity to work under pressure with tight deadlines
• Confident, well-rounded person with analytical skills
• Appetite for digital tools and improvement of processes
• Interpersonal working relationships and team spirit

#LI-Hybrid 

Why joining BNP Paribas? 

BNP Paribas, the European leader in banking and financial services in Europe, operates in 64 countries and has nearly 180,000 employees. The Group is structured around three operating divisions. Its business lines cooperate closely, as part of our integrated model, to meet the needs of all our clients in a coordinated manner:

Our presence in Portugal

In Portugal since 1985, BNP Paribas today has more than 9.700 employees, distributed across the Group’s 10 business entities established in the country. Its presence also extends to 11 excellence centers providing value-added services to various countries where the BNP Paribas Group also operates.

Diversity and Inclusion Commitment

BNP Paribas´ ambition is to cultivate an open and responsive environment for all that encourages collaboration and interaction. We demonstrate our commitment by actively contributing to the Group’s Diversity and Inclusion strategy and goals, in line with the United Nations Sustainable Development Goals. As part of our local Corporate and Social Responsibility – Diversity & Inclusion strategy, BNP Paribas Portugal is committed to:

To foster the effort of BNP Paribas Portugal, multiple initiatives and events take place throughout the year where our people can find out more on the importance of diversity inclusion at the workplace and in our society.

Remote Working Conditions

At BNP Paribas, we embrace a Smart Working framework based on trust, autonomy and collaboration. Within this framework, eligible employees can benefit from flexible remote working options adapted to our hybrid working environment. To ensure a comfortable and efficient working setup, eligible employees are provided with both office and home equipment, are entitled to an equipment allowance and can benefit from exclusive partnerships to purchase additional items at reduced prices. 

Commitment towards work/life balance

Supporting employees in a hybrid way of working while providing them with the means to maintain a work-life balance is an essential dimension of our Smart Working program. At BNP Paribas, we care about our employees’ wellbeing and promote a culture of good integration between work and personal life. 

To find out more on why you should join BNP Paribas please read our Employee Value Proposition and our Career path page.

* Please note that only applications submitted in English will be considered. 

* In case you are selected for this role, further documentation will be requested to support your hiring process.

• Corporate & Institutional Banking (CIB), connects corporate clients needing financing and institutional clients looking for investment opportunities;
• Commercial, Personal Banking & Services (CPBS), brings together all the Group’s commercial & personal banking and several specialised businesses;
• Investment & Protection Services (IPS), combines a unique continuum of products and services across protection, saving, investment and real-estate.

• Promote a fair and unbiased recruitment process and offer professional development opportunities to all employees;
• Celebrate diversity and advocate for inclusion, both externally and internally, encouraging employee’s participation, creating space for different voices to be heard.

About the job

• Create business-facing dashboards and high impact data visualizations and analyses with complex data structures which will support BNP Paribas Internal or External clients achieve their objectives in terms of revenue generation, efficiency creation, production levels and risk management

• Collaborate with internal/external clients to best understand their operational and strategic needs
• Create descriptive, predictive and quantitative analyses addressing key business priorities and supporting the stakeholders’ decision making
• Actively manage clients
• Support and monitor the run of these activities of data analysis, reporting and data mining.
• Coach as necessary more junior members of the team
• Contribute to disseminate a culture of data driven solutions within BNP Paribas
• Provide visibility on performance and activities of BNP Paribas to stakeholders

• Masters’s in Mathematics and Statistics
• Masters’s in Information Technology and Computer Science
• Data Analytics ([3 – 4] years)
• Data Visualisation Blending Analytics Tableau: Proficient
• Data Visualisation Blending Analytics Power BI: Proficient
• Database Management Microsoft SQL Server: Proficient

• English: Fluent

• Corporate & Institutional Banking (CIB), connects corporate clients needing financing and institutional clients looking for investment opportunities;
• Commercial, Personal Banking & Services (CPBS), brings together all the Group’s commercial & personal banking and several specialised businesses;
• Investment & Protection Services (IPS), combines a unique continuum of products and services across protection, saving, investment and real-estate.

• Promote a fair and unbiased recruitment process and offer professional development opportunities to all employees;
• Celebrate diversity and advocate for inclusion, both externally and internally, encouraging employee’s participation, creating space for different voices to be heard.

• Corporate & Institutional Banking (CIB), connects corporate clients needing financing and institutional clients looking for investment opportunities;
• Commercial, Personal Banking & Services (CPBS), brings together all the Group’s commercial & personal banking and several specialised businesses;
• Investment & Protection Services (IPS), combines a unique continuum of products and services across protection, saving, investment and real-estate.

• Promote a fair and unbiased recruitment process and offer professional development opportunities to all employees;
• Celebrate diversity and advocate for inclusion, both externally and internally, encouraging employee’s participation, creating space for different voices to be heard.

• Então, estás no lugar certo. A nossa ambição é construir um futuro sustentável para os nossos clientes e as nossas equipas… Mas não o podemos fazer sem ti!

• Ao integrares o BNP Paribas Personal Finance, participa na nossa grande transformação para construirmos um mundo mais sustentável: estamos empenhados em promover o acesso a um consumo mais responsável e sustentável para apoiar os nossos clientes e parceiros. 

• Para o conseguir, implementamos ações concretas, não só na forma como desenvolvemos a nossa atividade e melhoramos o nosso crescimento sustentável, com a ambição de reduzir a nossa pegada ambiental, mas também na forma como apoiamos aqueles que mais precisam.

• Integrado/a na Direção Automóvel, serás responsável por promover o desenvolvimento da atividade automóvel, garantindo uma gestão adequada do risco associado aos ativos financiados e contribuindo para o desenvolvimento sustentável da oferta comercial.

• Terás a teu cargo a definição e monitorização dos valores residuais de veículos usados, assegurando um posicionamento competitivo e alinhado com o apetite de risco da empresa. Serás também responsável pelo acompanhamento da carteira exposta a risco de valor residual, contribuindo para a definição de estratégias de mitigação e monitorização do risco.

• Gerir os valores residuais, propondo grelhas de valores para validação e definindo a política local de Asset Management;

• Validar derrogações à política de local de Asset Management, bem como de todos os contratos com valores residuais que ultrapassem limites definidos;

• Recolher, analisar e reportar informação em coordenação com equipas locais e centrais;

• Monitorizar a exposição da carteira ao risco de valor residual, realizando análises periódicas, stress tests e exercícios de mark-to-market;

• Realizar os Asset Management Committees e contribuir para a definição de medidas corretivas sempre que necessário;

• Contribuir para a criação e securitização da oferta comercial automóvel, apoiando o desenvolvimento de campanhas, produtos e parcerias com OEM’s e dealers;

• Assegurar a interação com diferentes áreas da empresa e parceiros externs, produzindo reports e análises de suporte à decisão;

• Acompanhar tendências do mercado automóvel e evolução do mercado de usados, garantindo a adequação da estratégia de valores residuais.

• Bem-vindo/a ao BNP Paribas Personal Finance, onde irás integrar a Direção Automóvel, no Departamento de Business Development. 

• Estamos preparados para te acolher com um plano de integração inicial, com formação on the job, treino e networking. 

• Plataforma de Benefícios Flexíveis (benefit+): Fazem parte do benefit+ benefícios em áreas como a proteção, educação e bem-estar, onde se incluem sempre Seguro de Saúde, extensível ao agregado familiar e Seguros de Vida Grupo;

• Dias de férias suplementares, até 31 dias, em função da antiguidade e da realização de voluntariado;

• Parcerias com milhares de entidades que dão acesso a diferentes vantagens (turismo, alimentação, hotelaria, moda, tecnologia…);

• Crédito Pessoal a colaboradores, em condições vantajosas face ao mercado;

• Política de Smart Working que visa promover uma cultura flexível, autónoma e responsável, contribuindo para o bem-estar e satisfação no trabalho;

• Linha de Apoio 24 horas por dia disponível em caso de necessidade de Apoio Psicológico, Legal, Financeiro/Fiscal e Psicossocial;

• Experiência e conhecimento do setor automóvel;

• Conhecimento e noções de gestão do risco e análise financeira;

• Forte capacidade analítica e orientação para o detalhe;

• Excelente capacidade de organização e relacionamento interpessoal;

• Domínio das ferramentas do office, com enfoque no Excel e PowerPoint;

• Fluência em inglês;

• Formação académica superior nas áreas de Finanças, Economia ou Gestão, e experiência profissional em funções similares (estes serão aspetos que reforçarão a tua candidatura).

•  O BNP Paribas Personal Finance caracteriza-se por proporcionar igualdade de oportunidades a todos os candidatos a emprego e, enquanto empresa socialmente responsável, incorpora nos seus valores e práticas os princípios da Diversidade e Inclusão.

• Para alcançarmos todos os nossos objetivos, pretendemos atrair, desenvolver e reter diferentes perfis, assumindo a diversidade como um fator potenciador e diferenciador de inovação, fundamental na nossa organização.

• Se quiseres saber mais sobre a nossa Organização, Valores e Projetos, por favor consulta esta página.

• Certificação Top Employer Portugal e Top Employer Europa, pelo oitavo ano consecutivo;

• 93% dos nossos colaboradores identifica o BNP Paribas como uma empresa com “uma gestão inclusiva que apoia todo o tipo de diferenças (idade, origens, orientação sexual, …)”;

• 94% dos colaboradores identifica-se e beneficia da política de “Smart Working”, sentindo-se confortável num ambiente de trabalho híbrido, e com as ferramentas digitais e espaços de trabalho disponibilizados;

• 72% dos nossos clientes são promotores da nossa marca.

• The Source to Pay (S2P) Process and project analyst is in charge of functional designing, implementing, maintaining and supporting the standard sourcing to pay solutions platform and related processes, until accounting feeding. The analyst intervenes on several System SAP platforms and modules to contribute to convergence to a unique Core model

• Ensure functional analysis of different modules of the application in line with the sourcing to pay Core Model
• Capture business requirements and propose the most adequate functional solution within SAP standards and respective Core Model; liaise with IT in case of adaptation and document request; Define, develop and execute client dashboard data, and operational Key Performance Indicators (KPI) reporting data
• Define both testing and migration strategies and planning, providing test scenarios and follow up on User Acceptance Testing (UAT) testing activities, including for new deployment projects
• Follow the release management calendar and do planning follow up with IT teams (contribution to team leader)
• Accompany internal clients on the right use of the solutions, including documentation and training sessions for end users or operational teams
• Handle incident management as part of level 2 support
• Provide updated process documentation
• Manage Non Regression Test methodology, platforms, and tools as part of product evolutions
• Maintain the Group master data management (Chart of Account, Assets categories, Value-Added Tax (VAT) codes)
• Manage the interface with the accounting reconciliation tool between SAP and the General Ledger

• Bachelor’s Degree in Economics, Finance, Accounting, Information Technology and Computer Science
• Up to 2 years of Experience in Data Analytics or from 3 to 4 years of Experience in Accounting and Finance or in Project Management and Consulting
• Knowledge in Financial Software SAP/Navison and Enterprise Resource Planning (ERP)
• Knowledge in Business Intelligence SAP Business Objects
• Fluency in English
• Finance & Budget – Finance/Tax Knowledge
• Client focused
• Ability to deliver/Results driven
• Ability to collaborate/Teamwork
• Analytical Ability
• Ability to develop and adapt a process

• Corporate & Institutional Banking (CIB), connects corporate clients needing financing and institutional clients looking for investment opportunities;
• Commercial, Personal Banking & Services (CPBS), brings together all the Group’s commercial & personal banking and several specialised businesses;
• Investment & Protection Services (IPS), combines a unique continuum of products and services across protection, saving, investment and real-estate.

• Promote a fair and unbiased recruitment process and offer professional development opportunities to all employees;
• Celebrate diversity and advocate for inclusion, both externally and internally, encouraging employee’s participation, creating space for different voices to be heard.

• Global Markets and Global Banking are BNP Paribas’ capital markets business within Corporate & Institutional Banking (CIB), delivering solutions across asset classes, and industry-leading services for clients including Institutional, corporate, private banks and retail distribution networks. Our Portugal Platform (Porto and Lisbon) is a major HUB in Europe and certainly unique in the country by its size and its scope of activity, with all Front Office roles present (Trading, Sales, Research, Structuring, Quant & Engineering, Business Dev and Support, Marketing & Client Support, Risk Management, Data Analytics and Machine Learning

• Escalate potential breaches to the relevant Business Lines, Conduct Representatives, Compliance, or others in line with the (Front Office Conduct Surveillance) FOCS Escalation Procedure
• Ensure escalation results are documented, recorded and reported to the relevant stakeholders and Management;
• Contribute to the continuous improvement of the effectiveness and efficiency of the FOCS surveillance set-up, including but not limited to: suggestions to help refine keywords / expressions to ensure effective monitoring; collaborate and maintain a good relationship with the rest of the FOCS team, Compliance, the Business and others; act professionally at all times and comply with the ethical standards and conduct expected by BNP Paribas and other relevant regulatory authorities; comply with all applicable legal, regulatory and Group’s internal compliance requirements as well as Code of Conduct including, especially, Financial Security, Fight against Corruption, Know Your Customer, Due Diligence, Client Interest Protection, Market Integrity, Professional Ethics and Respect for colleagues

• Bachelor’s degree or higher, in economics, banking, finance or related studies
• Experience and good knowledge of Financial Markets, Capital Markets, Debt Markets, Risk, Compliance or Control Functions
• Communicate clearly and concisely both verbally and in writing
• Fluency in English and another European language
• Good team spirit and excellent interpersonal skills 
• Demonstrates a good awareness of risk and fundamental risk concepts. 
• Understanding of Market Abuse and Conduct risks is considered a plus

• Corporate & Institutional Banking (CIB), connects corporate clients needing financing and institutional clients looking for investment opportunities;
• Commercial, Personal Banking & Services (CPBS), brings together all the Group’s commercial & personal banking and several specialised businesses;
• Investment & Protection Services (IPS), combines a unique continuum of products and services across protection, saving, investment and real-estate.

• Promote a fair and unbiased recruitment process and offer professional development opportunities to all employees;
• Celebrate diversity and advocate for inclusion, both externally and internally, encouraging employee’s participation, creating space for different voices to be heard.