EBA欧洲银行-CONFIN-CA-05-2014-Retail-banking-expert_9页_218kb

报告摘要

EBA Retail Banking Expert Position Summary

Core Content

The European Banking Authority (EBA) is an independent EU authority established in 2011 under Regulation (EC) No. 1093/2010 and later amended by Regulation (EU) No 122/2013. It operates within the European Supervisory Framework (ESFS) and collaborates closely with other European supervisory authorities, such as ESMA and EIOPA, to ensure consistent and effective regulation across the EU.

The EBA is seeking a Retail Banking Expert to work in the Consumer Protection and Financial Innovation Unit, focusing on retail banking products and services like mortgages, personal loans, savings, current accounts, credit/debit cards, and payment services. The expert will support regulatory efforts to reduce consumer detriment and monitor financial innovation for potential risks.

Main Responsibilities

Prepare policy documents and provide advice on retail banking matters.
Conduct desk-based research on market trends and consumer interactions.
Support EBA committees and subgroups, especially the Standing Committee on Consumer Protection and Financial Innovation (SCConFin).
Ensure timely completion of guidelines, recommendations, and technical standards.
Liaise with external stakeholders, including firms, trade associations, and consumer groups.
Represent the EBA externally in technical matters.
Develop industry training standards, common disclosure rules, and financial literacy programs.
Collaborate with ESMA and EIOPA to coordinate regulatory policies.

Key Requirements

1. Eligibility Criteria

Language: Proficiency in at least two EU languages.
Nationality: Must be a national of an EU Member State, Iceland, Liechtenstein, or Norway.
Citizenship Rights: Full rights as a citizen.
Military Service: Compliance with applicable laws.
Physical Fitness: Ability to perform duties.
Criminal Record: Certificate of no criminal record required.
Medical Examination: To meet EU employment standards.

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 equivalent.

3. Professional Experience

At least 8 years of full-time professional experience, with 4 years in retail banking.
Experience can include roles as an industry professional, regulator, researcher, consumer advisor, or lobbyist.

4. Language Skills

Excellent English (written and spoken).
Native English speakers must demonstrate proficiency in a second EU language.

5. Selection Criteria

Professional experience in retail banking, especially in mortgages, personal loans, savings, current accounts, credit/debit cards, and payment services.
Knowledge of consumer detriment and its drivers (e.g., misleading information, unsuitable advice).
Experience in drafting policy documents for various audiences.
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 international/multicultural environment.
Self-management and independence in work.
Flexibility and quick learning.
Excellent communication skills.
Teamwork and interpersonal skills.
Efficiency under time pressure.

Equal Opportunities Policy

The EBA is committed to equal opportunities and non-discrimination in its recruitment process.

Selection Procedure

Application deadline: 9 April 2014 at 12:00 noon (London time).
Required documents: Europass CV, motivation letter, and eligibility criteria grid.
Written test: In English, assessing writing, knowledge, and drafting skills. Minimum score: 6 out of 10.
Interview: In English, evaluating suitability, knowledge, and motivation. Minimum score: 6 out of 10.
Selection process: Candidates are ranked by merit. Those scoring 12 or above are placed on a reserve list valid until 31 December 2014. Reserve list inclusion does not guarantee recruitment.

Appointment and Employment Conditions

Contract type: Fixed-term agent contract for 3 years, with a probation period of 9 months and possible extension.
Starting date: Expected by 1 June 2014.
Function group: Group IV.
Salary: Estimated monthly basic salary of €3,145.45.
Employment benefits:
- Exemption from national tax.
- Community tax at source.
- Correction coefficient applicable in the UK: 1.392.
- Various allowances (expatriation, household, dependent child, education, etc.).
- Annual leave: 2 days per calendar month + 2.5 days of supplementary home leave for expatriate staff.
- EU Pension Scheme after 10 years of service.
- EU Joint Sickness and Insurance Scheme, accident and occupational disease insurance, unemployment and invalidity allowance.
- Travel insurance for missions.

Place of Employment

London, United Kingdom.

Data Protection

The EBA complies with Regulation (EC) No 45/2001 on data protection and ensures the confidentiality and security of personal data.

Appeal Procedure

Complaints can be submitted to:
- European Union Civil Service Tribunal (within 3 months of notification).
- European Ombudsman (after exhausting internal administrative procedures).
The Civil Service Tribunal does not review decisions unless there is a violation of selection rules.
Appeals must be submitted in writing to the Executive Director at the EBA’s London office.