Банк и финансы

Это клуб для профессионального общения людей, чья профессия связана с работой в банке и банковских структурах, а также с финансами. Как то консалтинг, моргиджи, биржи и т.д.

Надеюсь что обмен информацией и беседы между финансистами и «банкирами» теперь уже канадскими, и финансистами и «банкирами», которые еще только мечтают таковыми тут стать, очень поможет обеим сторонам в жизни, и самому делу в том числе!

Удачи вам всем! Интересных собеседников, полезной и нужной информации, развития нетворкинга и как хороший финал развития всего этого нахождение отличных друзей и устройство на работу мечты!

54 комментария на «Банк и финансы»

  1. Константин говорит:

    Всем привет 🙂

    Уважаемые канадские коллеги, поделитесь пожалуйста вашими success story. Кто как нашел работу, в какой сфере работает и до какой должности смог подняться. Нужны ли вообще в Канаде наши банковские специалисты, и каких сфер. Решает ли что-то опыт работы в России на топовых должностях. И правда ли, что в отличие от всей Канады, пребывающей в блаженном расслабоне на работе, лишь банковские работники бегают в поте лица 🙂

  2. SairuS говорит:

    Здравствуйте, уважаемые канадские финансисты и банкиры! Посоветуйте пожалуйста университет для получения образования в области ценных бумаг и бирж. Очень хочется получить опыт в последствии в розничном инвестиционном фонде или инвестиционном подразделении банка. Можно ли найти параллельную с учебой работу в этой сфере с белорусским университетом за плечами?

  3. Aika говорит:

    Всем привет, раскажите кто-нибудь, а с чего начинать то, это прекрасное дело, как банковское. Есть ли смысл идти учится или сначала entry level position и только потом образование.

  4. Мила говорит:

    Кстати вот давно хотела спросить. Есть ведь такой сертификат СFA(Certified financial analyst). Вот думаю может мне вместо бухгалтерского лучше на такой сертификат пойти учиться и сменить профиль работы? Хочу работать с ценными бумагами , вообще быть поближе к фондовому рынку.

    Ведь по сути дела в любом случае с нуля придеться начинать. Что скажете?
    Или все таки 15 лет бухгалтером в россии могут чем-то помочь в канаде?

  5. Herkunft говорит:

    Hi Mila,
    CFA is a recognized and well respected designation. I think you should be in a much better position to land a job in Canada holding it.

  6. Herkunft говорит:

    Aika,
    I think you could start by working as a teller at a Branch. This is a basic entry level. But you would have a good opportunity to learn basic banking and then decide for yourself in which direction to evolve your banking career.

    SaraS,
    There are plenty of universities and colleages throughout Canada offering degrees and courses in the profession. Not sure about the investment banking, but would suggest that you get experience in the field working for relevant divisions of western companies while you are in Belorus.

    Konstantin,
    Russian banking experience could help, but it depends in which area it is. I would say that top managerial position in the past would be an obstacle rather than a help in landing a job in a Canadian bank. The chances of getting a top position from the beginning are very slim, and most Canadian employers would probably avoid risk of hiring someone of top caliber for a basic/entry levels.

  7. RamBow говорит:

    Aika,
    Теллер или сall-center — язык и латинская клавиатура

    Иногда проще попасть не в банк, а в «альтернативные» финансовые институты типа обменников или там Money Mart какой-нибудь

  8. Aika говорит:

    Thanks a lot for your answer Herkunft. I have been working in banks since 2001. So I want to continue me profession in Canada. I think that in Canada the easier way will be start from entry level position. And I ask you from what step I should start my job. Is it possible work and study? Here I have MBA degree and middle top position in SME division. What could you recommend me?

  9. Aika говорит:

    to RamBow
    Теллер или сall-center – язык и латинская клавиатура,
    ——————————————————————————————
    Эо необходимые знания?
    Не могли бы Вы привести конкретный пример альтернативных организаций. Это типа Mortgage service?

  10. RamBow говорит:

    Aika,

    >Это необходимые знания?
    Для подобной работы — да, чтобы конкурировать с местными студентами. Обычно ещё опыт в customer care требуется. Не знаю как конкретно у вас, но в общем случае язык и скорость печати латиницей — «ахиллесова пята» если с entry level начинать.

    В принципе, с хорошим языком и референсами можете и на большее замахнуться — у меня знакомый с похожим бэкграундом через неделю после приезда устроился бранч-менеджером в Money Mart. Но надо быть готовым ко всему — ИМО любая работа,
    мало-мальски связанная с отраслью для старта уже хорошо.

    >Не могли бы Вы привести конкретный пример альтернативных организаций
    Имел в виду небанковские финансовые конторы типа
    http://calforex.com/
    http://www.moneymart.ca
    http://www.cashstore.ca

  11. Herkunft говорит:

    Aika,
    if you tell me exactly what you did in your banking experience I’ll try to come up with some recommendations. MBA received in non western colleges might be good but not enough.

  12. Константин говорит:

    Herkunft:
    I do not mean by the “top managerial position” something like president or vice-president 🙂 They do not need to immigrate, I suppose. I mean positions like a branch managing director or a branch deputy director. These people, at least in my city, usually started their career from the very beginning and they are able to do or supervise almost any bank job. They are universal soldiers 🙂

    As for me, I have been working in banks for 12 years, generally as a head of credit departments (corporate loans and SME). Last 2 years I act as a top manager in a branch and know more or less all bank business jobs. I don’t have MBA and as you can see, my English is still weak. I do not figure on top position in the beginning of course. But could you estimate my chances of getting a good job in a bank or in any other credit organization? Or can you give me a piece of advice?

  13. Мила говорит:

    Herkunft,

    Thanks a lot for your reply. May be you know whether the FSFR certificate (http://www.ifru.ru/2512/) could be useful when applying for CFA?

  14. Herkunft говорит:

    Hi Konstantin,
    IMHO, your managerial positions are high enough to ‘scare off’ potential employers from your resume. I am saying this based on my past experience. I think there are a few things you need to decide for yourself, in order to work out job hunting strategy in Canadian banking industry:

    1. do you want to work at a branch or head office? These are separate entities and run their own head-hunting. Branches have (almost) only two types of functions: tellers/cashiers and credit managers. Head-office has plenty of other functions, as you know. But most of that job is centralised in cities, like Toronto, Vancouver and Montreal. There are only a couple of banks who maintain their head offices in Calgary.
    2. do you want to stick to your previous profile of loan officer or would you be willing to switch to technical (and perhaps «dirty») job of Operations, such as cashier? Mind you that Credit manager job has pretty high requirements for English language skills. Head-office has plenty of other functions. Wheather or not your skills will suite any of those functions is another food for thought. The more skills you have the better chances there are for you to land a job at one of the head-office units.
    3. how high (or low) in ranking are you ready to go in your initial career. For example, would you be satisfied with a job of a teller? Obviously, the lower you are ready to go the easier it will be to find a job. «Be best or be … cheap». But to secure a low position job, you’d better hide your the rankings in your resume. Try to develope a so called Functional Resume, i.e. the one that discloses your skills and functions that you performed in the past (not your positions).

    Lack of MBA is not an issue. Most banking employees (even in high ranks) do not have it, as getting it is deemed an expensive undertaking.

  15. Herkunft говорит:

    Hi Mila,
    I am not sure about CFA requirements. As I have never done it. Sorry, not much help…

  16. Herkunft говорит:

    Konstantin,
    by the way, Credit officers at Branches also deal with (render advices on) investment products, such as GIC’s, term deposits, mutual funds, etc.

  17. Константин говорит:

    Herkunft:
    Thank you very much for detailed answer. You have given me a lot of food for thought. Frankly speaking, the idea of hiding my best work experience is kinda unusual for me 🙂 And I understand that English skill is essential for almost any financial work. I am working on it.
    My answer to “Be best or be cheap” is “be best”, of course. I will be not satisfied with a job of a teller or a cashier, but I am ready to start from a “dirty job” and make my career to high position. In the beginning it may be simple work in a branch or in a head office, it doesn’t matter.
    But the main question is: what chances for a Russian immigrant to make a career and get a good position in Canadian bank, like branch manager or a chief of a department in a head office. Do you know such people?
    And could you say, do I need any certificates or an additional education to work as a loan officer, for example? It here any universities what provides such training? Here in Russia we usually teach new workers on the workplace, no special education needed except for cash and securities (as far as I know).

  18. Herkunft говорит:

    Hi Konstantin,
    I didn’t advise you to hide your best work experience. On the contrary, you should show all your skills at their best. I only suggested that sometimes people may want to hold back their past high rankings, in order to secure FIRST job in Canada. You know, Canadian employers are peculiar in viewing foreign experience. They value ‘Canadian experience’ over any foreign jobs.
    I certainly think that Russian immigrants have all chances to make a good career at Canadian banks. But it will most likely take some time.

  19. Herkunft говорит:

    Konstantin,
    to answer second part of your question:
    when I said Credit officer I only referred to a function. But the formal titles that you can see in bank’s advertisements may be called Relationship manager, Account manager, Financial analyst, Financial advisor, etc. These positions do not require any special education, as long as you have a university degree in business or finance. Your 2+ years of banking experience in credits will be a big plus. But remember that Canadian employers will prefer Canadian degrees/experiences. So, if you want to beat the market, you should try to do designations, such as Certified Financial Analyst (CFA), Canadian Securities Course (CSC) or Investment Fund in Canada Course (IFIC).

  20. RamBow говорит:

    Ещё специально для специалистов по кредиту есть CCP

    http://www.creditedu.org/

  21. Константин говорит:

    Herkunft, RamBow, thank you.

  22. Aika говорит:

    Herkunft, I started from client services. It was category of business clients. Thus I think that I know everything about operation work (deposits, current accounts, customer payments, documentary transactions, including letters of credit).

    Nowadays, I work in Head Office in SME Division. But I have been responsible in operation part of business. It is finance policy in tariffs, interest rates of deposits. Create and develop of business instruments, bank’s products. Also I develop and control the standards of quality and system of direct sales. That is all my experience.

    May be I should start from job in the brunch; I like to work with clients. This job is very close to my soul. Nevertheless, I don’t want to be a cashier, because this area very responsible. I hope that this type of my job is in the past. And of course it will be grate to get the position in head office.

    How I know there are some banks with main offices in Calgary (BMO, Business Development Bank of Canada, TD Bank, ATB Financial). Am I right on not?

    What could you recommend me? In what way I should work? Many thanks in advance.

  23. Катя Ж. говорит:

    Айка, видимо, полезно будет изучить пресловутый «канадский опыт».
    А то я при поисках работы спрашивала у потенциальных наймодателеей….типа, можете ли вы мне объяснить, чем мой НЕканадский опыт организации расчетов отличается от канадского, и поэтому вам не подходит. Объяснить «где собака порылась» не могут, но ….

    Как раз в этом клубе и можно обсудить специфические моменты банковских культур, того же документоооборота. Кассиры, например, в Канаде отсутствуют как класс, насколько я вижу.

    И еще меня сильно удивило заявление Константина что «у нас» для работы в банке спец.образования не нужно. Зачем же народ на «банковское дело, финансы и кредит» учится?

  24. SairuS говорит:

    Катя Ж., Расскажите, пожалуйста, как вам все-таки удалось найти работу? Вы ведь в банке работаете?

  25. Катя Ж. говорит:

    Нет, не в банке. Работа подвернулась по счастливой случайности через знакомых (без целенаправленного нетворкинга). Банки рассматриваю всего лишь со стороны клиента и тут, и там.

  26. Herkunft говорит:

    Aika,
    as I can judge from your experience description, you have a vast experience in cash management. When I say cashiers I refer to function. In real life, banks here try to be creative and give more important names to function titles. For example, those employed in a Branch unit called «Customer Service» would typically perform job of cashiers.

    If this kind of job is not appealing, then you could try to apply for the ones under the Credit Officer, Relationship manager, Account manager, etc, as I explained to Konstantin below. Your experience in SME and sales will be a big plus.

    I think only ATB has some head office units in Calgary. The rest of the banks cited may have main BRANCHes in Calgary. But their HO functions are centralized elsewhere.

  27. Константин говорит:

    Катя Ж.
    Само собой, в российской банковской системе для абсолютного большинства работ требуется высшее экономическое либо финансовое образование. Но на деле это не более, чем, скажем так, пререквизит. То есть Вы берете выпускника ВУЗа, сажаете его на рабочее место и все равно учите работать. 2, 3 недели, месяц, два. Зависит от сложности работы и обучаемости. Ни разу я еще не видел готового, скажем, кредитчика, только что окончившего ВУЗ и не имеющего опыта работы. А учитывая, что работу надо работать, обучать особо некогда и некому, попасть вчерашнему выпускнику ВУЗа в банк очень сложно.
    Для отдельных работ, как я писал, кассир например, специалист по ценным бумагам и т.п. требуется специальное обучение и сертификат, но он тоже не гарантирует моментального вхождения в должность. Здесь чаще бывает наоборот — взяли человека, поднатаскали по работе, а потом послали на курсы.
    Это я и имел в виду.

  28. Aika говорит:

    Herkunft, Hi! Can you say for us your first steps in Canada. How did you find your current job. Which tools you can recommend me?
    And one question more. Do you know about deposit’s interests. They are different in banks?

  29. Elena говорит:

    To Herkunft.
    Hi! I have some banking experience. And I want to know, can I land the same job in Canada and what I need to have (like education) to find a job in a bank in Canada. Now, my obligations in a bank are writing instructions, creating business-processes, valuation new products in retail banking. I have 2 educations in a financial field (Moscow universities). Unfortunately, my English is very bad now, but I’m learning it. I’m going to send immigration documents to Sydney next year, when my English will be better 

  30. Herkunft говорит:

    Hi Aika,
    i just followed the steps that i recommended to Konstantin below. My banking experience includes working for branches of western banks in Kazakhstan. The functions/skills range is quite wide. These last two factors helped me to find a job in banking operations analystics. Although I was mentally prepared to go as low as cashier’s level, as a starter just to get that Canadian experience.
    There are various opinions about recruiters, but I think one should not rely solely on their assistance. You should apply to employers directly. This is how I found my current job.

    Hi Elena,
    I think you have chances to land a job in a Canadian bank. Please read the tips that I wrote below for Konstantin and see if they may be applicable to your situation at all. Which exactly processes did you write instructions for?

  31. Herkunft говорит:

    Aika,
    what exactly do you mean by deposits interest? If your question is about rates, then are you far better off keeping your funds with Kazakhstani banks. Rates, such as 8-11% paid on USD savings accounts tax-FREE (!) is something unimaginable for Canadian market. Here you can get max 1.2% rate on similar savings accounts which is taxable.

  32. Elena говорит:

    To Herkunft
    Thank you for your answer.
    I write instructions for retail-banking proccesses. My work also include optimizations these proccesses.
    By the way, I have an experience in AML (anti-money laundering). I found the same job title in Canada (crayglist, e.t.c.) but I couldn’t find anything. Probably, this job has an other title? Have I any chance to land job in this (AML) field in a bank?

  33. Herkunft говорит:

    Hi Elena,
    retail banking process is an immense area. You need to be specific in what field you have expertise in. Which product (accounts, deposits, investments, cash management, etc), sales or operations, branches or central settlement type of units or both. Mind you that the banking in Canada has peculiarities that are not known (and done differently) in ex-USSR. In my humble opinion, ex-soviet banks have copied many traits from western banks, but only from outside facet. The core operations and the efficiency with which western banks have resolved many issues have remained a mystery for ex-soviet banks who have been struggling for years trying to invent their own wheel. And that wheel came out inefficient, costly and cumbersome for both bank staff and customers. As a result, you will see so many details that banks here do differently than in your country. What I am trying to say is if you are not working for western bank, then try to find friends working for one in Russia. And ask them to spend some time with you explaining in details how their processes work. Ideally, it would be someone engaged in internal audit or quality assurance. This way you would come more prepared and know better how to interprate and market your skills.
    AML is close knit to Know-Your-Customer (KYC) and both are widely used (mandatory) funtions in Canadian banks. Try to search under categories of Compliance or Risk Management. Knowledge of FINTRAC requirements and the regulatory requirements of The Proceeds of Crime (Money Laundering) Terrorist Financing Act and UN Suppression of Terrorism Regulations would add value to your resume. By the way, the KYC thingy is mandatory for all Branch employees.

  34. Herkunft говорит:

    Dear colleagues,
    when searching for a job, you can also try Credit Unions. Although these are not banks, but financial institutions, they perform many functions that banks typically do. So, you might well want to consider them as one more type of your potential employer. There are many of them with various functions in Calagary.

    Here is a link to an association combining credit union throughout Canada.
    http://www.cucentral.ca/

  35. Aika говорит:

    Thanks, Herkunft. I will think about your previous words.

  36. BZB говорит:

    Коллеги по AML, Вам сюда:

    http://www.acams.org

    У этой ассоциации работает Canadian Chapter, буквально несколько месяцев. Хорошее место для networking’a!

  37. Elena говорит:

    BZB, спасибо! Посмотрю.

  38. Aika говорит:

    Smb knows how I can open the save bank account for immigration purposes from my country. I have read that it is possible in RBC. Thanks in advance.

  39. Herkunft говорит:

    Aika,
    the easiest would be to open up an account with HSBC Canada. Look up their website for details. You can download their application forms and send them copies of your passports, etc. The latter must be verified by HSBC Branch in Kazakhstan, before dispatch to HSBC Canada. I did it via HSBC Almaty. HSBC Almaty charges $15 fee for wire transfers into your accounts with HSBC Canada. Unlike RBC, HSBC Canada does not limit the wire transfer amount, nor does it hold your funds until you arrive in Canada. You can actually use your funds on HSBC accounts as you wish, without even landing in Canada. For example, you may convert you USD funds into CAD distantly through internet banking. And if the amount is greater than CAD 25K, you may negotiate the exchange rate with HSBC Canada 🙂

  40. skyrex говорит:

    Приветсвую посетителей данной ветки.
    Камеры, скажите плиз, а востребованность спецов по информ. безопасности у вас как? нужные люди или вообще не комильфо? Именно в банках, ибо основной мой рабочий стаж составляет именно банковская информ. безопасность

  41. uta говорит:

    Herkunft, интересует ваше компетентное мнение. Муж Relationship manager в филиале west банка в казахстане. Портфолио сильное. Будет ли востребован его опыт в Канаде?
    Читаю ваши сообщения — вижу, что вы были готовы к худшему — к стартовой позиции…

  42. Herkunft говорит:

    Uta, I think you husband has every chances to find a good job with Canadian banks. What bank did he work for and in which city?

  43. uta говорит:

    приятно слышать 🙂

    HSBC

  44. Herkunft говорит:

    HSBC has lots of branches throughout Canada. I would advise him to get transfer from HSBC Kazakhstan into HSBC Canada while he is still in KZ. That way, he could secure a good job as a Relationship Manager or something similar. Rather than starting from scratch. Also, have him read the below postings. They contain some tips that could be useful to prepare well in advance in terms of training, etc.

  45. uta говорит:

    спасибо за ваш опыт!

  46. MrIpkis говорит:

    Hello Herkunft,

    Would you be so nice to answer some of my questions? But let me first describe myself in a few lines of text:
    -male, 28
    -currently working in a western (retail-oriented) bank’s regional office in Ex soviet republic
    -head of risk-management unit
    -some of my current (in this bank — 3+ years) main duties include:
    -ad hoc and standard periodic (daily, weekly, monthly, quarterly, yearly) reporting (MS SQL Server & Oracle queries, excel & powerpoint visualization & analytical comments) to local senior management (Supervisory Board),other bank units, auditors and regulatory bodies, as well as to the Group’s HQ. Reporting covers all areas of business, including Approval process (UW reports), Fraud, Provisioning, Collection (i.e. Collection efficiency — hundreds of indicators, most popular are Cure Rates, Cash collected ect), Macro environment (GDP,Unemployment,FX …) ect.
    -tuning and fine-tuning (optimization) Underwriting system settings (latest Fair Isaac product) according to communicated strategy (approval rate boosting,default level decreasing,RAROI): functions, policies, decision tables, scorecards, verification workflows, limit settings (on client/transaction), credit bureau results ect. Through coding and building blocks’ manipulation, export/import ect. This part of the work also includes vector preparation for simulations running on the current client base, before deploying new strategies to production
    -scorecards building: monitoring current scorecard’s efficiency (ROC, LIFT, GINI ect.), building new ones (algorithms: logistic regression, neural network, GAM…), choosing most appropriate (accurate & stable),running Champion/Challenger. Currently application and behavioural scorecards are used (too little data for collection)
    -inventing 🙂 models concerning forecasting, optimization, stress testing
    -participating in marketing and finance area: precising target population (including risk-criteria for cross-selling), risk-adjusted pricing ect.
    -provisioning for Non Performing Loans with mathematical models (roll-rate,marcov,LGD with respect to recovery) and according to IFRS 39
    -budgeting, forecasts and ‘triggers’ setting: staff and other expenses (like phone calls ect.) counting for Operations’ units involved in applications and bad loans processing, allowances for impairement losses.
    -writing specs for IT concerning risk area, data manipulation (all in English)
    -assisting at software updates’ releases — at nights:)
    -writing local documents regulating risk processes and responsibilities
    -participating at HQ risk conferences, regular conferences via phone, Group’s CEO reporting (only once).
    -communication language is English (45%) and Russian (45%), 2×5% are left, respectivly, for ‘bad’ English and ‘bad’ Russian 🙂

    -some of my ex duties included:
    -credit portfolio monitoring (Corporate, SME, Retail)
    -Market risks monitoring and stress testing — FX and Interest rate (Historic Value at Risk, Monte-Carlo Value at Risk). Implementation certificate (for excel based simulation program).
    -in a software company — specifications analysis for a Treasury Management software (outsorcing project).

    -both English and French are quite good (oral and written)
    -hold master in software engeneering and international economics, spent 3 years writing PhD in mathematical finance (Credit portfolio Value at Risk, Basel inspired) but not got attested yet, prepared and taught a Master degree course ‘Credit Risk in Banking’ at National University.
    -familiar with SQL,MS Office (including VBA), C++,C# etc.

    So the questions, finally, are:
    1. Is there a need for risk-managers in Canada?
    2. Can I start from some junior position in risk-management unit, not from scratch (like being a teller)?
    3. If I have an international certificate like FRM — will it be a ‘dicisive’ point in cv, or I’ll need to spend a couple of years in Canada’s university anyway?

    Thank you in advance!

  47. Herkunft говорит:

    Hi MrIpkis:
    1. Is there a need for risk-managers in Canada? Yes, definately.

    2. Can I start from some junior position in risk-management unit, not from scratch (like being a teller)? Yes, but you need to build up a good and concise resume. The backgroiund that you posted below sounds more like an IT rather than Risk management to me. But I may be wrong, of course.

    3. If I have an international certificate like FRM – will it be a ‘dicisive’ point in cv, or I’ll need to spend a couple of years in Canada’s university anyway? I am not familiar with FRM, but if it is internationally accepted, you should be fine with it. I’d check bank recruiting sites and see their posting descriptions. They should always describe what capabilities a successful candidate must possess.

    • Regina говорит:

      Herkunft , мне нужна ваша помощь. Мы с вами уже как-то общались по поводу описания рабочих обязанностей позиций в банках, но я, к сожалению, не могу сейчас найти ваши имэйлы у себя в ящике. Т.е. ваш имаил адрес я потеряла. Не могли бы мы опять пообщаться приватно? И если вы не против, напишите мне на мой имэйл адрес

    • Regina говорит:

      Не могли бы мы опять пообщаться приватно?
      мой имэйл адрес mezotne@hotmail.com

  48. MrIpkis говорит:

    Herkunft, thank you for your advice and wise opinion! U’re right, my description of myself here is inbalanced — too many details on my current job. As it deals with retail credit risk (mass production->technology), it involves big deal of ‘hardcore’ risk-management with a wide spectrum of needed knowledge. To some extent it’s positive, cos unlike law — technology is universal 🙂
    So I agree I should cover more in detail my previous ‘market risk’ responsibilities. Though ‘market’ terminology is hardly applicable to what’s going on here, as notions like ‘inverted yield curve’, ‘gap’, ‘duration’, ‘stop loss’ sound skyrocket science. 🙂 I dealt more with traditional banking risk management, without stuff like overcomplicated derivatives…

  49. Bat говорит:

    Hello!
    Is ACCA designation a recognized and well respected in Canada? I’m interesting in searching the work in fields of accounting or audit (first of all), but I think about searching some work in finance or banking system.

  50. Regina говорит:

    Да, законченая учеба и полученая сертификация АССА в Канаде признается, правда, обычно, требуют так же стать членом CGA. Что делается довольно просто- досдача курса по налогам и бизнес законодательству.

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