Benjamin Toh Kok Wai

• Managed portfolio of high net worth (HNW) individuals (Individual AUM >SGD1.5 Mil)
• Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
• Used effective sales strategies to convince clients to accept proposals.
• Built and maintained relationships with new and existing clients while providing high level of expertise.
• Assisted customers with needs such as opening accounts, depositing or transferring funds, updating account details and signing up for new services.
• Planned portfolio solutions after carefully analyzing clients' financial health and future requirements.
• Conducted Sales and Execution for clients in the following products:

1) Cash Equities, Fixed Income , Foreign Exchange

2) Structured Investment Notes - Various Issuers and

Underlying investments such as Equities,

Derivatives, Credit, Rates and Currency

3) Fixed Income

4) Mutual Funds ( Financed or Leveraging available)

5) Life Insurance

• Onboarding of High networth individuals (HNWIs) and establishing their status as Accredited Investors (AI) though Internal Bank leads/ Upgrades, Networking events and Private dinners to obtain referrals
• Working with Desk Head and support team to provide our clients with services that range from asset management and basic concierge type services
• We achieve this by a mix of retail banking products together with more specialised products for AI clients with the assistance of senior support advisors and research and resources shared by our private banking arm
• Communicated regularly with clients to build relationships and cross sell products and services
• Conducted Sales and Execution for clients in the following products:

1) Cash Equities, Fixed Income , Foreign Exchange

2) Structured Investment Notes - Various Issuers and underlying investments such as Equities,Derivatives, Credit, Rates and Currency

3) Fixed Income

4) Mutual Funds ( Financed or Leveraging available)

5) Life Insurance

• Basic banking transactions for Premier banking clients of HSBC
• Manage a portfolio of Premier Banking Clients (Mid Tier) (AUM >SGD500k)
• Building upon an inherited portfolio, bringing in new clients and building new relationships as well as maintaining old ones
• New challenges include having to work in a more mobile role due to the nature of Premier clients, building up relationships take place over more mobile means such as tele-consulting, emails etc
• Bringing in and keeping and growing total Net New Money while working with a team of specialists to assist with meeting the needs of the clients
• Working under HSBC’s GWIP incentive framework where factors such as Client Experience, Client engagement, Client Satisfaction along with Financial and non-Financial Outcomes help train the RM to have more business minded approach to his work
• Products include Unit Trusts, Spot FX, DCP, Insurance, Universal Life, Bonds, Structured Products
• Achievements: Q1 2018 Rising Star Award. Awarded for excellence in performance across all areas including Financial and Non Financial outcomes, Client experience scores and Values and Behaviours

• Assist customers with banking transactions
• Build a portfolio of clients from scratch via walk in tagging, lead sourcing, marketing calls and referrals
• Maintain relationship with clients and provide follow up service
• Working with fund houses like Aberdeen, Schroders, Franklin Templeton etc to distribute and sell collective investment schemes like unit trusts to retail banking consumers based on their financial needs and to provide timely follow up monitoring and trade execution for these investments
• Provide financial protection and help customers to achieve their financial goals with an array of insurance protection plans and endowment recommended on a needs basis
• Other requirements will be to assist customers with the underwriting process and to ensure all objectives and needs are documented and archived as per MAS regulations