EBA欧洲银行-CONFIN-SEC-11-2014-Retail-banking-expert_7页_197kb

EBA Retail Banking Expert Position Summary

Core Content

The European Banking Authority (EBA) is an independent EU authority established in 2011, tasked with enhancing the functioning of the EU internal market through high-quality, effective, and consistent regulation and supervision in banking, payments, and e-money sectors. It plays a key role in consumer protection and financial innovation, promoting transparency, fairness, and the convergence of regulatory practices across the EU.

Main Responsibilities

The Retail Banking Expert will contribute to the EBA's regulatory efforts in the following areas:

• Policy Development: Preparing policy stances and providing policy advice through written documents on retail banking products and services, including mortgages, personal loans, savings products, current accounts, credit/debit cards, and payment services.
• Research: Conducting desk-based research to assess trends and conduct of firms that may have harmful effects on consumers.
• Committee Support: Supporting EBA committees and subgroups, especially the Standing Committee on Consumer Protection and Financial Innovation (SCConFin), and its subgroups.
• Guidelines and Standards: Ensuring the timely completion of guidelines, recommendations, and technical standards in line with quality and process requirements.
• Stakeholder Engagement: Liaising with external stakeholders such as firms, trade associations, consumer groups, and the EBA's Banking Stakeholder Group.
• Training and Education: Contributing to the development of industry training standards, disclosure rules, and financial literacy initiatives.
• Collaboration: Working with other European Supervisory Authorities (ESMA and EIOPA) to develop coordinated and possibly joint policy positions.

Key Requirements

1. Eligibility Criteria

• Language Skills: Proficiency in one of the EU languages and satisfactory knowledge in another.
• Nationality: Must be a national of an EU Member State, an EFTA Member State, or a country with which the EU has initiated accession negotiations.
• Citizenship Rights: Must be entitled to full rights as a citizen.

2. Qualifications

• Minimum of three years of university education in business, economics, marketing, sociology, law, or related fields.
• Qualifications must be recognized by EU or EEA authorities or deemed equivalent.
• If obtained outside the EU, must be recognized by an EU Member State and a document attesting to this must be included in the application.

3. Professional Experience

• At least four years of full-time professional experience in retail banking, including areas such as mortgages, personal loans, savings products, current accounts, credit/debit cards, and payment services.
• Experience can be in various roles such as industry professional, regulator, researcher, consumer advisor, or lobbyist.

4. Language Proficiency

• Excellent knowledge of English (both written and spoken).
• Native English speakers must demonstrate second language skills.

Selection Criteria

• Experience in Retail Banking: Must have worked in the retail banking sector in one or more EU Member States.
• Knowledge of Consumer Detriment: Proven understanding of various types of detriment consumers may face, such as misleading information or unsuitable advice.
• Writing Skills: Experience in drafting papers, memos, or briefings for different audiences.
• Regulatory Knowledge: Familiarity with relevant EU and national regulations, such as the Mortgage Credit Directive, Payment Services Directive, and Distance Selling Directive.

Competencies Required

• Ability to work in an EU/multicultural/international environment.
• Self-management: Capability to manage workload independently.
• Flexibility and Learning: Adaptability and willingness to learn quickly.
• Communication Skills: Excellent verbal and written communication abilities.
• Teamwork: Strong interpersonal skills and ability to work efficiently under time pressure.

Equal Opportunities

The EBA applies an equal opportunities policy and ensures no discrimination in recruitment processes.

Secondment Details

• Type of Position: Secondment from a national supervisory authority or an IGO.
• Duration: Minimum six months, up to two years, renewable.
• Employer: The home authority remains the employer during the secondment period.
• Start Date: Expected to start on 1 October 2014.

Conditions of Secondment

• Subsistence Allowance: Daily and monthly allowances are provided by the EBA, as set annually by the Commission.
• Travel: The EBA office in London, United Kingdom is the place of employment.

Application Process

• Submission Deadline: 3 July 2014 at 12:00 noon London time.
• Required Documents:
  • Curriculum Vitae in Europass format.
  • Motivation letter.
  • Eligibility criteria grid.
  • Statement of the employer (from a national supervisory authority or IGO).
• Note: Supporting documents (e.g., ID cards, diplomas) should not be sent at this stage.

Data Protection

• Personal data will be processed in accordance with Regulation (EC) No 45/2001, ensuring confidentiality and security.

Appeal Procedure

• Candidates may appeal decisions under Article 90(2) of the Staff Regulations.
• Appeals must be submitted within three months from the publication of the selection procedure result.
• Contact: The Executive Director, EBA, Floor 18, Tower 42, London EC2N 1HQ, United Kingdom.
  Reference: CONFIN SEC 11/2014.