Caroline Soon Kheng LO
Jersey,Jersey
Summary
Results-oriented, innovative, and accomplished multilingual professional, offering in-depth knowledge in wealth management, Onboarding, credit applications, business development, client relationship management, and strategic planning. Well-organized with adeptness in setting priorities and meeting critical deadlines amidst fast-paced and fiercely competitive environments.
Overview
24
24
years of professional experience
Work history
Associate Director - Client Acquisition
Standard Chartered Bank Jersey
St Helier, Jersey
2025.06 - Current
- Fostered strong relationships with key stakeholders for improved collaboration and generation of leads.
- Promoted a positive work environment through proactive conflict resolution steps.
- Ensured high customer satisfaction with effective problem-solving techniques.
- Prioritising workloads to ensure meeting of sales targets.
- Developed business opportunities for increased market presence.
Financial Guide, Banking and Credit Team
Barclays UK Plc
Manchester
2021.02 - 2025.06
- Focal point of contact for 265 client relationships virtually - with AUM of £200.6 million and credit balances of £96.6 million - and seen as an SME by the team in various aspects, particularly in Onboarding and SOW conversations and High Risk Reviews
- Constant monitoring of client details in order to flag inconsistencies to Due Diligence teams and helping colleagues with KYC queries
- Servicing of Execution-Only Investment portfolios and processing of corporate actions instructions and unposted fees for clients
- Excellent understanding of Credit and Investment products as well as KYC and AML regulations
- Familiar with applications such as Avaloq, CRM and Salesforce
- Prolific lead referrer to Wealth Managers and Private Bankers when opportunities identified through regular client reviews
- Extremely proficient at internal / external networking to achieve desired results for clients
- Rated Strong - Outstanding for last 3 consecutive years
Wealth Manager
Barclays Wealth UK
2018.10 - 2021.02
- Act as primary relationship manager and central point of contact for clients with minimal admin support - updating risk profiles, suitability of investments, and prospecting for clients with a view to promoting Barclays' Discretionary Portfolio Management service all within the Bank's regulatory framework
- Wrote out manual credit applications for Portfolio Finance facilities and saw process through from start to finish - familiar with concept of Margin Calls and Close Out positions
- Rated Strong - Strong 2019 - 2020
Premier Banking Manager
Barclays Bank Plc
2010.09 - 2018.10
- Assisting over 1,000 HNW Premier clients with transactional banking needs and monitoring for risk issues
- Acquired referrals through regular meetings and coaching sessions with internal and external key business introducers as well as from existing satisfied clients and regularly attending networking meetings
- Drafted manual assessment credit applications for premier clients with special requirements such as higher loan and overdraft limits
- Achieved Top Lender status for both Unsecured and Secured lending in 2017
- Rated Strong to Outstanding year on year
Relationship Executive
Barclays Wealth International
2005.08 - 2010.08
- Advised HNW & UHNW individuals from UK (RND) and Worldwide regarding banking solutions
- Supported team leader and four relationship managers in overseeing daily administration in compliance with key servicing standards
- Created daily risk report, highlighted potential risk issues, and escalated to Risk and Compliance Manager for on time mitigation of issues
- Preparation for client meetings, pre-onboarding research on Prospects and clients on various databases, pre and post meeting organization, travel and expenses management
- Obtained documentation from clients for credit applications, and monitored risk to bank by checking “Early Warning List” on a daily basis and proactively contacting clients to rectify positions
- Drove process improvement and identified new business opportunities by conducting thorough client reviews
- Rated Strong to Top year on year
Various Roles in Retail Banking
Barclays Bank plc
2002.06 - 2005.07
- Rated Strong to Top year on year
Education
BA(Hons) - English Language and Literature
University of Hull
Level 4 - Investment Advice Diploma -
Chartered Institute for Securities and Investments
Certificate in Mortgage Advice and Practice (CeMAP) -
Institute of Financial Studies
Skills
- Credit and Business risk analysis and mitigation
- Respected Team Player
- Excellent Oral and Written Skills
- Extensive Banking, Wealth Management and Investment knowledge
- Innovative and resourceful
- Deposit, Loan and Mortgage Management
- Fraud and AML knowledge
Languages
English
Native
Chinese (Cantonese)
Fluent
Chinese (Mandarin)
Fluent
French
Beginner
Timeline
Associate Director - Client Acquisition
Standard Chartered Bank Jersey
2025.06 - Current
Financial Guide, Banking and Credit Team
Barclays UK Plc
2021.02 - 2025.06
Wealth Manager
Barclays Wealth UK
2018.10 - 2021.02
Premier Banking Manager
Barclays Bank Plc
2010.09 - 2018.10
Relationship Executive
Barclays Wealth International
2005.08 - 2010.08
Various Roles in Retail Banking
Barclays Bank plc
2002.06 - 2005.07
BA(Hons) - English Language and Literature
University of Hull
Level 4 - Investment Advice Diploma -
Chartered Institute for Securities and Investments
Certificate in Mortgage Advice and Practice (CeMAP) -
Institute of Financial Studies