EBA欧洲银行-CPU-TA-112013-Policy-expert-CPU-AD-7_8页_173kb

EBA Policy Expert (Consumer Protection) Position Summary

Core Content

The European Banking Authority (EBA) is an independent EU authority established in 2011 by Regulation (EC) No. 1093/2010. It plays a crucial role in ensuring a high-quality, effective, and consistent level of regulation and supervision across the EU banking, payments, and e-money sectors. The EBA also promotes financial stability, transparency, and consumer protection, and collaborates closely with other EU supervisory bodies such as EIOPA and ESMA.

The EBA is currently seeking a Policy Expert for its Consumer Protection Unit in London, United Kingdom. The position is open to candidates from EU Member States, Iceland, Liechtenstein, and Norway, and is expected to start on 16 April or 1 May 2013.

Main Purpose

The Policy Expert will contribute to the EBA's efforts in promoting transparency, simplicity, and fairness in the market for consumer financial products and services across the EU internal market.

Main Responsibilities

• Preparing policy stances and providing advice on retail banking markets, including payment services, savings, mortgages, and unsecured credits.
• Conducting desk-based research to identify consumer detriment risks.
• Externally representing the EBA on technical issues in the aforementioned areas.
• Contributing to the development of training standards, disclosure rules, financial literacy, and education activities.
• Supporting EBA committees and subgroups, and assisting their chairpersons.
• Ensuring timely completion of guidelines, recommendations, and technical standards.
• Liaising with external stakeholders such as financial institutions, consumer groups, and trade associations.
• Collaborating with ESMA and EIOPA to develop coordinated policy positions.

Requirements

1. Eligibility Criteria

• Language: Excellent knowledge of English (written and spoken), and satisfactory knowledge of another EU language.
• Nationality: Must be a national of an EU Member State, Iceland, Liechtenstein, or Norway.
• Citizenship Rights: Full rights as a citizen.
• Military Service: Obligations fulfilled.
• Health: Physically fit for the role.
• Criminal Record: No criminal record confirmed by a certificate.
• Education and Experience:
  • Option A: Completed university studies (3-year program) with at least 1 year of relevant professional experience.
  • Option B: Completed university studies (4-year program) with at least 7 years of relevant professional experience, of which at least 3 years in a comparable financial regulation role.
• Qualifications: Must be recognized by EU or EEA authorities or deemed equivalent.

2. Selection Criteria

• Proven knowledge of EU banking regulation and retail banking products.
• Understanding of the market for retail financial products.
• Familiarity with regulatory issues such as price intransparency, product complexity, unsuitable advice, cross-selling, product bundling, complaints handling, and redress.
• Experience in evidence-based policy making.
• Experience in designing, drafting, and negotiating banking regulations.
• Strong written and verbal communication skills.

3. Competencies

• Strong sense of responsibility, commitment, and cooperation.
• Flexibility in a dynamic environment.
• Team-player with interpersonal skills and the ability to work under time pressure.
• Analytical skills to assess complex information and propose solutions.
• Proactive attitude and workload management.

Equal Opportunities

The EBA is committed to equal opportunities and will avoid any form of discrimination in its recruitment process.

Selection Procedure

• Shortlisting: Based on CV, motivation letter, and eligibility criteria grid.
• Written Tests: Conducted in English, testing written communication, knowledge, and drafting skills. Minimum score: 6 out of 10.
• Interviews: Held in English, assessing suitability, professional knowledge, and motivation. Minimum score: 6 out of 10.
• Final Selection: Candidates with total scores of 12 or above are placed on a reserve list, valid until 31 December 2013. Recruitment is based on merit.

Appointment and Employment Conditions

• Contract Type: Temporary fixed-term contract of three years, with a six-month probation period and possible extension.
• Grade: AD 7.
• Estimated Salary: €5,568.11 per month (tax-exempt, with Community tax at source).
• Benefits: Includes expatriation, household, child, education, and installation allowances, depending on family and origin.
• Leave: 2 days per calendar month, plus additional days based on age, grade, and distance from origin.
• Insurance: EU pension scheme, sickness and accident insurance, unemployment and invalidity allowance, and travel insurance.

Application Submission

• Documents Required: Europass CV, motivation letter, and eligibility criteria grid.
• Language: All documents must be in English.
• Deadline: 1 March 2013, at 12:00 noon London time.
• Note: Only complete applications will be considered. Supporting documents (e.g., diplomas, ID cards) are not required at this stage.

Data Protection

The EBA processes personal data in accordance with Regulation (EC) No 45/2001, ensuring confidentiality and security.

Appeal Procedure

Candidates may appeal decisions through the following channels:

• Review Request: Within 20 days of notification, to the Chairman of the Selection Committee.
• Complaint to the European Union Civil Service Tribunal: Within 3 months of being notified of the adverse decision.
• Complaint to the European Ombudsman: Must be preceded by administrative approaches to the relevant institution.

For detailed appeal procedures, visit the European Union Civil Service Tribunal website or the European Ombudsman website.