Responsibilities: Establish and enhance policies and procedures in respect of retail banking business to ensure full compliance with external regulatory requirements, internal bank policies and operational risk control; Ensure AML compliance level with local rules and regulations as well as keeping abreast of the Bank's policies Perform regular review of end-to-end processes and identify areas for enhancement to ensure operational efficiency and effectiveness as well as quality customer experience; Liaise and collaborate with different business units to design, review and unify the operation and system workflow and ensure the consistency in customer experience; Formulate, drive and implement process enhancement i