What Jobs are available for Credit Underwriter in Hong Kong?

Interactive Brokers Group, Inc. (Nasdaq: IBKR) is a global financial services company headquartered in Greenwich, CT, USA, with offices in over 15 countries. We have been at the forefront of financial innovation for over four decades, known for our cutting-edge technology and client commitment.

IBKR affiliates provide global electronic brokerage services around the clock on stocks, options, futures, currencies, bonds, and funds to clients in over 200 countries and territories. We serve individual investors and institutions, including financial advisors, hedge funds and introducing brokers. Our advanced technology, competitive pricing, and global market help our clients to make the most of their investments.

Barron's has recognized Interactive Brokers as the #1 online broker for six consecutive years. Join our dynamic, multi-national team and be a part of a company that simplifies and enhances financial opportunities using state-of-the-art technology.

Job Description

Interactive Brokers Hong Kong Limited ("IBHK") is expanding its Risk Assessment Team (RA) within the New Accounts Department at our Hong Kong office. We are searching for candidates with prior experience in the financial services industry, exceptional attention to detail, and strong communication skills. The RA department liaises with Interactive Brokers' retail and professional clients.

The IBHK RA is accountable for providing high-quality reviews of Anti-Money Laundering (AML), Know-Your-Customer (KYC), sanctions, and Politically Exposed Persons (PEP) issues for retail customers, financial advisors, hedge fund operators, and other broker-dealers. We aim to facilitate client onboarding by providing regulatory and compliance guidance while building and maintaining long-term client relationships as we expand our global service offerings.

Responsibilities

• Perform Enhanced Due Diligence (EDD) reviews on individual and corporate applications following policies and desktop procedures; identify and escalate potential AML risks
  
  Analyze and verify source of funds/wealth information through public domain sources or documentation
• Investigate and process alerts from multiple queues, sourcing information as appropriate from external sources and/or internal personnel to investigate and process alerts effectively
• Evaluate and resolve negative news and/or red flags or potential PEP matches escalated by other New Account Teams
• Run checks in the Offshore Leaks Database and conduct public domain searches for negative information related to applicants and associated entities
• Provide advice on issues and escalations to other New Account Teams to address difficult applications and independently recommend risk-based decisions to AML
• Responsible for timely escalation of suspected financial crime to AML
• Work closely with other New Account Teams and AML to review and evaluate all financial crime risks

Qualifications, Skills & Attributes

• Bachelor's degree
• Experience: 2–3 years in client service and/or financial services preferred. Fresh graduates with a relevant academic background who are motivated and demonstrate the right aptitude will also be considered
• Minimum of 2 years' experience and familiarity, preferably gained in a brokerage or corporate banking environment, with onboarding or reviewing high-risk client relationships and conducting EDD
• Excellent written and oral communication skills in English and Cantonese; Mandarin is advantageous
• Strong research, investigatory, and problem-solving skills
• Ability to make risk-based recommendations and articulate them persuasively to other departments
• Able to multitask across various projects and firm initiatives
• Prior experience in a highly automated environment and/or a high degree of comfort with computers and technology
• Intermediate experience with MS Outlook, MS Word, and MS Excel
• Ability to work and thrive in a fast-paced, medium-sized office environment

Core Competencies

• Ability to identify, analyze, and escalate complex issues
• Excellent troubleshooting and problem-resolution skills
• Takes personal responsibility for identifying client needs while providing a high-value experience
• Efficient, self-motivated, and hard-working
• Able to multitask in a high-pressure environment

Company Benefits & Perks

• Competitive salary, annual performance-based bonus, and stock grant
• Excellent health and welfare benefits including medical, dental, specialist, and inpatient coverage
• Competitive annual leave package
• Daily lunch ordered in-house with a fully stocked kitchen
• Modern offices with multi-monitor setups
• Great work-life balance
• Unique opportunity to gain exposure to global financial products, markets, and clientele
• Opportunities for career progression and job scope expansion in a global company with a growing local presence
• Hybrid work arrangement, where permitted

• Handle the risk requirement and reporting related to other risks on departmental level
• Handle all sorts of business action plan and strategy report of the department
• Assist to conduct regular analysis to identify emerging AML/CFT risks faced by the Bank and other relevant changes of risk
• Provide comment independently and assist on the development and design, review and ongoing optimization of the AML /CFT risk assessment framework and relevant model
• Follow-up and conduct monitoring on the recommendations made to the model by internal and external auditor, regulator and other compliance team

• Bachelor degree or above in related disciplines
• Required to obtain CAMLP of HKAB or other internationally recognized professional qualifications
• 5 years or above of working experience in banking, law enforcement and regulatory institution or other industry related to AML and sanctions compliance
• Candidate with more experience would be considered as Senior AML Manager
• Require to master at least 1 or more of the following key fields:  AML policy and compliance requirement; customer and product due diligence; AML risk model; compliance review; formulate business and product risk control measures; suspicious transaction case investigation; AML system model management; fraud and corruptions risk control, prevent and investigation
• Good command of execution capabilities, independently and proactively coordinate with each team to implement relevant control measures and requirement to ensure completing the work timely
• Good command of analytic capabilities, conduct analysist on all sorts of data and information, propose risk points in various fields and make recommendations on corresponding controls
• Good command of communication skills and capabilities to organize report and information, coordinate the communication among each divisions and departments proactively and process information efficiently and systematically
• Good command of both written and spoken English and Chinese and report writing ability
• Agree and carry out corporate values, abide by law and regulations and be responsible and dedicated

This role will serve as a key business partner to department heads, providing critical financial insights and analysis to support the formulation of sound financial and operational decisions. Responsible for budgeting, forecasting, long-range planning, management reporting, and variance analysis, the role requires translating data into actionable decision references to support the company in achieving its growth and profitability goals.

1. Planning & Forecasting

• Collaborate with department heads to advance the annual budgeting process and quarterly forecasting work, and participate in cross-departmental coordination and communication.
• Develop and maintain basic financial models to provide data support for strategic initiatives, scenario planning, and new business opportunities.

2. Management Reporting & Analysis

• Create dashboards and data visualizations to clearly convey core financial information to stakeholders without a financial background.
• Prepare and promptly distribute monthly, quarterly, and annual management reports, and clearly explain variances between budget, forecast, and prior-year data.
• Analyze key performance indicators (KPIs), financial trends, and operational metrics to assist in identifying potential risks and opportunities.

3. Financial System Support for Business

• Assist in designing or maintaining Enterprise Resource Planning (ERP) and financial systems tailored to economics, covering: Revenue tracking; Cost allocation; Hashpower sales.
• Support the integration of wallet systems and exchange data feeds to facilitate real-time synchronization of financial data. Assist in implementing dynamic cost accounting and participate in the optimization of relevant processes.
• Support the development of real-time dashboards for the Chief Financial Officer (CFO) and executive team, and organize data such as hashpower revenue, power efficiency, and profit and loss statements.

4. Tax Compliance

• Assist in formulating tax planning strategies to help reduce the company's tax burden while ensuring compliance with applicable laws and regulations.
• Identify tax-saving opportunities and propose preliminary recommendations, such as the application of tax-optimized transaction structures, tax credits, and preferential policies.
• Assist in preparing and filing local tax returns (including but not limited to corporate income tax returns) to ensure accuracy and timely submission.

• Bachelor's degree in Finance, Accounting, Economics, or a related field.
• Minimum of 3-4 years of experience in the accounting field, with relevant experience in general ledger accounting, financial reporting, or financial planning & analysis (FP&A).
• Basic analytical and problem-solving skills, with the ability to interpret financial data and provide basic reference insights.
• Basic understanding of the Web 3.0 industry or willingness to learn proactively, along with an open work attitude.
• Proficiency in financial modeling and Excel operations (pivot tables, lookup functions, common formulas).
• Ability to handle multiple tasks in a fast-paced environment and possess basic priority management skills.
• Priority will be given to candidates with experience in using ERP systems (e.g., NetSuite, SAP, Oracle) or FP&A software (e.g., Adaptive Insights, Hyperion, Anaplan).
• Priority will be given to candidates holding professional qualifications such as Chartered Financial Analyst (CFA), Certified Management Accountant (CMA), or Certified Public Accountant (CPA).

该岗位将作为部门负责人的重要业务伙伴,提供关键财务洞见与分析,辅助制定合理的财务及运营决策。该岗位负责预算编制、预测、长期规划、管理报告及差异分析工作,需能将数据转化为可落地的决策参考,支持公司达成增长及盈利目标。

一、规划与预测

配合部门负责人推进年度预算编制流程及季度预测工作,参与跨部门协同沟通。搭建并维护基础财务模型,为战略举措、情景规划及新业务机会提供数据支持。

二、管理报告与分析

• 制作仪表盘及数据可视化内容,向非财务背景相关方清晰传递核心财务信息。
• 编制并及时分发月度、季度及年度管理报告,对预算、预测与上年数据的差异进行清晰说明。
• 分析关键绩效指标(KPI)、财务趋势及运营指标,协助识别潜在风险与机遇。

三、财务系统支持

• 协助设计或维护符合经济特性的企业资源计划(ERP)及财务系统,涉及:
• 收入追踪;成本分摊;算力销售。配合完成钱包系统及交易所数据馈送的整合,助力财务数据实时同步。协助实施动态成本核算,参与相关流程优化。
• 支持为首席财务官(CFO)及高管团队搭建实时仪表盘,整理算力收入、电力效率、利润表等数据。

四、税务合规

• 协助制定税务规划策略,在符合相关法律法规的前提下,助力降低公司税务负担。
• 发掘节税机会并提出初步建议,如税务优化的交易结构、税收抵免与优惠政策的应用等。
• 协助编制并申报地方税纳税申报表(包括但不限于企业所得税申报表),确保数据准确、按时提交。

• 拥有金融学、会计学、经济学或相关专业学士学位。
• 至少 3-4 年会计领域工作经验,具备总账会计、财务报告或财务规划与分析相关经验。
• 具备基础分析与问题解决能力,能够解读财务数据并提供基础参考洞见。
• 对 Web 3.0 行业有初步了解或愿意主动学习,具备开放的工作态度。
• 熟练掌握财务建模及 Excel 操作(数据透视表、查找函数、常用公式)。
• 能够在快节奏环境中处理多项任务,具备基础的优先级管理能力。
• 有 ERP 系统(如 NetSuite、SAP、Oracle)或 FP&A 软件(如 Adaptive Insights、Hyperion、Anaplan)使用经验者优先。
• 持有特许金融分析师(CFA)、注册管理会计师(CMA)或注册会计师(CPA)等专业资格证书者优先。

• Handle the risk requirement and reporting related to other risks on departmental level
• Handle all sorts of business action plan and strategy report of the department
• Assist to conduct regular analysis to identify emerging AML/CFT risks faced by the Bank and other relevant changes of risk
• Provide comment independently and assist on the development and design, review and ongoing optimization of the AML /CFT risk assessment framework and relevant model
• Follow-up and conduct monitoring on the recommendations made to the model by internal and external auditor, regulator and other compliance team

• Bachelor degree or above in related disciplines
• Required to obtain CAMLP of HKAB or other internationally recognized professional qualifications
• 5 years or above of working experience in banking, law enforcement and regulatory institution or other industry related to AML and sanction compliance
• Require to master at least 1 or more of the following key fields: AML policy and compliance requirement; customer and product due diligence; AML risk model; compliance review; formulate business and product risk control measures; suspicious transaction case investigation; AML system model management; fraud and corruptions risk control, prevent and investigation
• Good command of execution capabilities, independently and proactively coordinate with each team to implement relevant control measures and requirement to ensure completing the work timely
• Good command of analytic capabilities, conduct analysist on all sorts of data and information, propose risk points in various fields and make recommendations on corresponding controls
• Good command of communication skills and capabilities to organize report and information, coordinate the communication among each divisions and departments proactively and process information efficiently and systematically
• Good command of both written and spoken English and Chinese and report writing ability
• Agree and carry out corporate values, abide by law and regulations and be responsible and dedicated

• Coordinate other risk-related control requirements and reporting at the department level
• Coordinate business action plans, strategy reports, and other initiatives within the headquarters
• Conduct periodic analysis to identify emerging money laundering and terrorist financing risks faced by the Bank and related risk changes
• Provide independent advice and support for the development, design, review, and continuous improvement of the ML/TF risk assessment framework and related models
• Monitor follow-up actions on model recommendations made by internal/external auditors, regulators, and other compliance teams
• Supervise and support the subordinates

• Bachelor degree or above in Law, Banking and Finance, Accounting or related disciplines
• Relevant qualification in CAMS, ECF (AML/CFT) Core Level, FRM, CPA, ACCA will be an advantage
• Prior experience in IT audit is preferred
• Good Knowledge in one or more of key areas on AML policies and compliance requirements, customer and product due diligence, AML risk modeling, compliance inspections, development of business and product risk control measures, suspicious transaction case investigations, AML system model management, fraud and corruption risk prevention and investigation.
• Strong execution capabilities, independently and proactively coordinating across teams to implement relevant control measures and requirements, ensuring timely completion of tasks
• Possess analytical skills to analyze diverse data and information, identify risk points across domains, and propose corresponding controls
• Excellent communication and report/information organization capabilities
• Exhibit project promotion capabilities to actively coordinate and drive projects assigned by superiors

PRIMARY RESPONSIBILITIES:

• Lead weekly/monthly/quarterly planning and forecasting submissions as well assist in coordinating key planning cycles – Long Range Plan, Operating Plan, and key estimates on volume and seasonality;

• Lead the planned implementation of financial reporting and budgeting system.

• Ability to develop and maintain complex financial models, including NPV, ROI, scenarios analysis.

• Analyze Budget/Forecast variances to Actual and review with management team

• Provide management with insights into drivers of financial forecast, risks, and opportunities;

• Audit and review of financial models to ensure they are both accurate and updated to reflect changing business needs

• Additional responsibilities include ensuring that the various reporting systems and source data are accurate and reconciled

•assist in the development and implementation of tools, systems, and processes to support the successful completion of timely and accurate forecasts. An understanding of accounting theory and practice (e.g. basic revenue recognition rules, company capitalization policies and proper expense timing) is required.

• Assist with various management presentations.

REQUIREMENTS:

• 8-10 years of financial analysis experience in a high growth fast pace environment with demonstrated career advancement

• Analytical background working directly in an FP&A environment modeling bookings, revenue, costs and expenses preferably for consumer mobile/consumer internet business, consulting or advisory background will also be considered

• Ability to build finance-focused dashboards in Power BI, leveraging Python and SQL for data preparation and analysis. Experience working with structured economic datasets or proprietary databases

•Executive Communication & Visual Storytelling: Strong ability to design and build impactful PowerPoint presentations that convey complex information through clear, compelling visual narratives. Skilled in tailoring messages for senior management audiences, with a focus on clarity, strategic insight, and executive-level relevance

• Resume must reflect ability for critical thinking demonstrated by examples of specific projects and related outcomes

Main Responsibilities -

• Exam financial applications, prepare points to approve the cases from divisions, compile strategies and measures to cost management for the Bank and divisions, monitor the progress
• Conduct the fixed asset analysis and management
• Prepare reports for senior management, Head Office and Board of Directors
• Develop, maintain and review the cost to benefit of new business initiatives / products / marketing campaigns / sales incentive schemes
• Enhance the process and workflow
• Participate in ad-hoc assignments

Requirements -

• University degree in Accounting, Finance, Business or related disciplines, preferably with a recognized professional accounting qualification
• Minimum of 3 - 5 years' experience in cost management /financial planning and budgeting / management reporting, preferably with exposure to banking industry
• Proficiency in spoken and written Chinese and English, fluency in Putonghua an advantage
• Self-motivated and able to work under pressure
• Good communication, interpersonal and analytical skills
• Proficiency in application software including Excel, PowerPoint and Word

Responsibilities

•  Establishment of credit risk management system, and participate in the formulation of credit risk related rules and processes;

•  Management of credit risk limit, able to identify, measure, monitor and report relevant credit risks;

•  Participate in the establishment and maintenance of risk rating system and the review and evaluation of credit risk level of investment projects;

•  Lead the credit risk assessment of new products and new businesses, and review the corresponding operation and risk management procedures;

•  Ad-hoc tasks assigned by department.

Requirement

•  Bachelor degree or above in Finance, Economics, Mathematics or related disciplines from recognized University, with FRM, CFA or CPA certificate is preferred;

•  5-7 years of credit risk management experience in investment banks, securities brokers or commercial banks;

• Familiar with various risk measurement models and good at statistical analysis;

•  High sense of responsibility, strong learning and research ability, good communication and coordination skills and writing skills, strong dedication and team spirit, can adapt to the high intensity of the work pace;

•  Fluent in Mandarin is a must.

Responsibilities

• Establishment of credit risk management system, and participate in the formulation of credit risk related rules and processes;
• Management of credit risk limit, able to identify, measure, monitor and report relevant credit risks;
• Participate in the establishment and maintenance of risk rating system and the review and evaluation of credit risk level of investment projects;
• Lead the credit risk assessment of new products and new businesses, and review the corresponding operation and risk management procedures;
• Ad-hoc tasks assigned by department.

Requirement

• Bachelor degree or above in Finance, Economics, Mathematics or related disciplines from recognized University, with FRM, CFA or CPA certificate is preferred;
• 5-7 years of credit risk management experience in investment banks, securities brokers or commercial banks;
• Familiar with various risk measurement models and good at statistical analysis;
• High sense of responsibility, strong learning and research ability, good communication and coordination skills and writing skills, strong dedication and team spirit, can adapt to the high intensity of the work pace;
• Fluent in Mandarin is a must.

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Full-time