candidate information brochure

8/4/2019 Candidate Information Brochure

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We’re exploring opportunities all over the world.Now we’re bringing them to you.



A big welcome to you.With a little bit about us.

As you are considering a career with The Royal Bank of Scotland Group,

we’d like to tell you more about one of the world’s largest nancial organisations.

RBS has grown rapidly in recent years and has a broad geographical footprint.

You’ll now nd us in ve different continents. Every day our people are breaking

new ground for our business and enjoying rewarding careers.

1 Introduction 01

2 RBSgroup 02

• About us

• Our Business Areas:

Global Markets

Regional Markets

Group Manufacturing

RBS Insurance

Group Functions

• Our key facts

3 Whyjoinus? 08

• Global organisation and

global opportunities

• What’s it like to work for RBS?

4 What’sonoffer? 12

• Your Choice

• Your Feedback

5 WhatmakesRBS

auniqueplacetowork? 16

• Case studies6Recruitmentprocess 18

C o n t e n t s

01

We are one

Group, with a

global structure

and over 40

leading brands

We have

a leading

reputation and

a broad global

footprint

Joining us

offers world-

class brands,

pioneering

products,

one career

If you’re ready, let’s get going

Attracting, motivating and retaining

talented people is key to our future

success as a business. We need

exceptional people to ‘Make it happen’.

We want the best and most talented

people to work for the RBS group

and we need them in every part of our

business – from those with the sensitivityto handle customer calls and queries,

to skilful negotiators who can broker

multi-million pound investment deals.

This brochure gives you an overview

of who we are, the opportunities we

offer and what makes the RBS group

an attractive place to work.



A wide world of opportunity.For an individual career.The Royal Bank of Scotland Group was established in 1727 and is now a global

nancial institution. By combining organic growth with acquisition, we have quickly

grown our business and expanded our borders beyond UK shores, to locations

from New York to Beijing.

In 2007, as part of a consortium,

we acquired ABN AMRO. We now

operate in 5 continents, providing a

range of retail and corporate banking,

consumer nance, insurance andwealth management services to millions

of customers.

The RBS group is made up of more

than 40 leading brands which span the

nancial services sector and extend to

practically every corner of the world.

We are a truly global bank and offer

careers across many different business

sectors, disciplines and countries.

This diversity is one of the most

compelling reasons for joining us.

Because it means that whatever you

want from your future career, you can

‘Make it happen’ here.

02 03



Great expectations. Excellent results.

04 05

There are ve main operating divisions within the RBS group, supported by a

number of Group functions. We have a truly diverse range of businesses delivering

a wealth of services, from personal and private to corporate banking.

These ve divisions work towards a single vision. Together, we offer careers

in numerous businesses, professions and locations.

Where would you like to be?

Our business is much more than

banking and our approach is anything

but traditional. We have the people and

the ethos to act with speed, innovation,

enterprise and creativity. The scope of

the opportunities we offer, the size of our business, the freedom and autonomy to

drive your career forward all add up to a

great place to work.

This is the principle of ‘Make it happen’

and it is one that has dened our

organisation. So when you begin your

career with us, don’t expect to be sitting

around waiting for something to happen.

From day one, you’ll be given theopportunity and support to be involved

in work that’s real, live and immediate.

We have a focus and determination,

a tenacity and team spirit that drives

our success.

RBS is a business built on delivery

and achievement and that is whatwe expect of our people every day.

Regional Markets

Regional Markets are the face of our retail and commercial businesses aroundthe world. They deal with customers

in consumer, business, commercial &corporate banking and card issuing.

To meet distinctively local needs, we

operate through RBS UK, RBS Europeand Middle East, RBS Americas, RBSAsia and Wealth Management.

>

Global Markets

Providing banking services and integratednancial solutions to major global corporates andnancial institutions, Global Markets offers a world-

class capability in international payments. It consistsof our Global Banking and Markets (GBM), andGlobal Transaction Services (GTS) businesses.

GTS work collaboratively with colleaguesacross businesses and borders. They provideinnovative services in cash management, liquiditymanagement, information and merchant services,

commercial card and trade, all tailored to meet our customers’ needs.

>

Group Manufacturing

The backbone of the RBS group,supporting the customer-facingoperations as well as managing our

property portfolio and purchasingfunctions. Group Manufacturing‘Make it happen’ 365 days a year,24 hours a day for all our customers.

>

Group Functions

A professional services provider to

support our customer-facing businesses.Our Group-wide Finance, Risk, Legal,

Human Resources, Customer Relationsand Communications teams work both

internally and externally to make sure wefollow compliance regulations, protectour brand and have the top talent in our teams to ‘Make it happen’.

>

> > > > >The RBS group divisional structure

RBS Insurance

Currently the UK’s second largestinsurance provider, RBS Insurance

also has a growing customer basein Spain, Italy and Germany.

Our portfolio includes some of the

best-known brands in the business,among them Direct Line, GreenFlag, Churchill and Privilege.

>



A matter of facts.Making us who we are today.We’d like to help you get to know us better

and we thought that some facts about our

business might help...

06 07

Global

• In 1728 we became the rst

bank to offer overdrafts

• We have 280 years nancialservices experience in personal,

business and institutional banking

services to millions of customers

across ve continents

• Since acquiring ABN AMRO,

we have gained a presence in

new countries and have gained

thousands of new corporate

customers

• We have more than 40 leading

brands, thousands of employees

and operate in 5 continents

• We are one of the leading corporate

banks in the US and Asia Pacic

• We are listed amongst the 100 most

sustainable companies in the world

• 7,230: The amount of credit/debit

card transactions we process

every minute

• We are the largest nancier of

renewable energy in the world.

Americas

• USA: The Group’s retail banking

franchise, under Citizens and

Charter One, stretches from

New England to the Mid-west.

Global Markets and RBS

Greenwich Capital are among

the main suppliers of corporate

nance and debt capital markets

services across the United States

• South America: We have

employees across several

South American countries.

UK

• In 1997, we launched the

UK’s rst fully-edged

internet banking service

• We are one of the largest

corporate and institutional

banks in the UK and

Continental Europe.

Europe,

Middle East & Africa

• The Group employs thousands of

people in Europe, providingcorporate and retail banking

services. You can now nd us

in many countries across Europe,

Middle East and Africa.

Asia Pacic

• The acquisition of ABN AMRO

has resulted in employee numbers

growing. We now have a presence

in many countries in the Asia

Pacic region

• RBS employs over a thousand

employees in China, providing

corporate, institution and wealth

management services.



08

We’re still growing.We’d like you to grow with us.

09

Europe, Middle East and Africa

As well as having the largest branch network in the UK and providing

market-leading wealth management, consumer nance, insurance and

corporate banking to millions of customers, the RBS group has a growing

presence across Europe, the Middle East and Africa,

in the following countries:

Austria • Belgium• Czech Republic • Denmark • Finland • France

Germany • Greece • Ireland • Italy • Kazakhstan• Luxembourg

Netherlands• Norway • Poland• Portugal• Romania• Russia

Slovakia• South Africa • Spain • Sweden • Switzerland

Turkey • United Arab Emirates • Uzbekistan

.

The Americas

RBS Americas encompasses all of the Group’s operatingunits in North America and Latin America. These include:

• Citizens Financial Group, Inc. (CFG): the ninth-largest

U.S. commercial banking company by assets

• RBS Global Banking & Markets Americas: a leading provider of

institutional banking and capital markets services for many of the world’s

most prominent corporations, nancial institutions, and government entities

• Global Transaction Services, which includes international payments,

corporate transaction banking and merchant processing activities.

Our Canadian operation works closely with colleagues across

North America and around the world to offer a diverse range

of products and services to corporate, institutional and

public sector clients.

We operate in the following Latin American countries:

Argentina• Brazil • Chile • Colombia

Mexico • Venezuela

Asia Pacic

RBS is now one of the leading banks in Asia Pacic for

corporate and institutional customers and retains a strategic

partnership with Bank of China. We also provide wealth

management services across the region through RBS Coutts.

The RBS group operates in the following Asia Pacic countries:

Australia• China • Hong Kong • India • Indonesia• Japan

Malaysia• New Zealand • Pakistan• Philippines

South Korea • Singapore• Taiwan

Thailand • Vietnam

Global organisation – global opportunities

We offer career opportunities in all areas of corporate and investment banking and nancial

markets, in all the world’s leading nancial centres. Here, you can progress and develop

personally and professionally, in a supportive culture where ambition and success are valued

and rewarded. Our employees also make the most of a culture where long-term relationships

with colleagues, clients and communities play an important role.

We’ve got much bigger since our small beginnings nearly 300 years ago.

Our brands operate around the globe and down your street to provide

banking services for individuals, businesses and institutions. Proud of our history, we remain committed to innovation and service, both in business

and through our many sponsorship activities.



Thousands of cultures.One ambition.

10 11

a series of fast-moving,

evolving businesses

which offer dynamic

working environments,

sustained by the energy

and drive of our people

who have a true sense

of self-determination

based on a supportive,

collaborative work ethic,

allowing people to

share ideas, learn from

each other and apply

their initiative

a unique place to work

with a winning team

spirit, an emphasis on

action, a desire to make

a difference and the will

to deliver a result. It is this

spirit that runs throughout

the Group and makes RBS

a special place to work.

> > >

Diverse and inclusive

At RBS, by diversity we mean the range of characteristics that makes

our people unique. These include nationality, ethnicity, gender, marital

status, age, disability, religion, beliefs and sexual orientation. Our

emphasis on inclusion seeks to understand, value and respect these

attributes, to deliver improved individual and business performance.

Our focus on diversity and inclusion is vital for building the RBS

reputation as a world-class employer. It ensures that we’re perfectly

positioned to recruit and retain the best and most talented people from

this diverse pool.

The benets of having a diverse workforce that mirrors and

understands the markets in which RBS operates are obvious. RBS is

better placed to develop innovative products and services, delivered

by engaged employees who are advocates for our organisation.

We work across different cultures and lifestyles around the world. What makes us

different is our attitude. It’s about our desire to work together to deliver the best

result for our customers.

In a nutshell, it’s what ‘Make it happen’ means to our employees. The RBS group is:

What does working for us mean?

Our employee opinion survey scores

show employees’ willingness to step

aside from their usual activities to

help each other. It is something

we score on higher than most other

businesses. Working at RBS means

working together.

Our fast growth and distinct ‘Make it

happen’ culture inspire people to want

to work for us. Our expansion gives you

a real chance to make a difference. To

continue our success, we need more

talented and enterprising people. If you

work for us, you will have the opportunity

to make a strong contribution at a time

when we are taking huge steps forward.

You will work in a highly stimulating

environment, in a team that shares a

can-do mentality.

We are also a big organisation and

that means with our global reach and

extensive resources, we can move

forward in the knowledge that almost

anything is possible.

And nally, we’re aware that we need

to stay on our toes and that’s where you

come in. By joining RBS, you will be

entering an environment where there

is a constant drive to keep active, and

‘Make things happen’.

91% of all RBS group employees agree that:

‘The people I work with are willing to help each

other, even if it means doing something outside

their usual activities’.

• 5% higher than the Global High Performance Norm

• 8% higher than the Financial Services Norm

Source: Your Feedback – 2007 results.



We’ve got a lot to offer.Because we knowyou have too.

12 13

Your RewardWhat makes it unique?

Your Reward is the value of

everything you get in return

for working at the RBS group.

It’s designed to:

• Reward excellence, by

providing a direct link between

pay and performance.

• Support our business goals

and recognise the pursuit

and achievement of

individual goals.

• Pay progression based on

performance and combined

with our variable pay, offers

high performing individuals

the opportunity to maximise

their level of reward.

Be market-competitive

Salary levels are benchmarked for

all employees, against the specic

market for the business in which

they work and the talents, skills and

competencies they bring to the

Group. High performers have the

opportunity to be among the best

paid in their market.

Allow for customisation

Our reward structure allows

for customisation both at the

divisional level and by each

individual employee. As a

result each division has its own

salary and bonus or incentive

arrangements. You will get further

information on Your Reward and

other RBS group benets when

you join us from your local HR

representative or line manager.

Motorvate

Saying ‘thank you’ is also a key

element of how we acknowledge

your hard work. One of the ways

in which we do this through

Your Reward is by entering the

names of all employees who have

3 or more years service into a draw

to win one of two brand new cars

every month.

includes the following:

• Your Reward• Your Development• Your Lifestyle

We strongly believe it is important to offer an overall package whichprovides candidates with individual choice and exibility. Your Choice

brings together the huge range of opportunities available to you as a

successful RBS group employee. With so many choices available,

it can be confusing, so we’re making it easier to see what’s on offer

and pick what’s right.


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The Group recognises that

everyone has different interests,

passions and priorities and

provides a range of programmes

to help you maintain your

work-life balance and to

care for the environment.

Your Feedback

Your Feedback is the Group wide

Employee Opinion Survey which

provides you with an opportunity to

tell us how the Group is performing

across a wide range of areas that

are important to you.

We survey people across the

Globe in all our locations and in

many languages. The results of

the survey help plan actions and

changes for the next 12 months,

with the aim of continuously

improving your experience of

working for the Group.

The Your Feedback survey results

are used for a number of purposes:

• Understanding what we do well,

and what we don’t do well

• Making improvements to the

environment you work in, through

focused action planning

• Enhancing our employee brand

by sharing information externally –

attracting new people to come

and work for us.

Work-Out

Work-out is the RBS group’s

problem-solving and continuous

improvement framework.

It is the way everyone across our

organisation can be involved in

improving how we do things.

It’s made up of a collection of

different tools and techniques –

so you can use the framework to

improve customer service, make

improvements to the way the

Group operates, or simply identify

the ways to make your job more

straightforward.

Work-Out enables you to work

with your colleagues to make

decisions about your team or unit.

Improvements identied can then

be quickly implemented.

We will provide you with

the environment to grow

and develop by giving

you a wide range of

development opportunities

at all stages of your career.

We invest in a range of

learning and development

programmes for all our

employees that give you

the support to perform at

your best. You will have

regular conversations

with your line manager

through the performance

management process

that will identify your

individual learning and

development needs

through your Personal

Development Plan.

Your Development

We are committed to investing in

our people so they can perform

their role effectively and reach their

potential. To deliver great service

to our customers it’s important we

have the right people in the right

roles, with the right attitude and

capability to perform.

We encourage employees to

take responsibility for their own

learning and development and

provide targeted learning activities

to meet business and individual

development needs, including

access to a range of resources

which includes e-learning. We

also offer support to employees

undertaking professional or

vocational qualications relevant

to their role.

Your Performance

You and your manager will work

together to dene what is expected

of you, provide the support you

need to meet these expectations

and feed back on how well you

have performed against them.

Your objectives would be

driven by business goals and

link back to the objectives of our

organisation. This ensures that we

can provide a challenging and

rewarding environment for you to

work in, where you are stretched

and stimulated and given the

opportunity to grow.

Formal performance reviews take

place half-yearly (in July) and

annually (in January) as a minimum

standard. You should also meet

with your line manager regularly

for informal reviews to discuss

your ongoing performance against

objectives. Your line manager

is there to provide coaching,

feedback and support. Your

performance is assessed against

results achieved relative to agreed

objectives and the demonstration

of competencies and behaviours.

Your Performance is measured

against a scale from 1 (lowest)

to 5 (highest) and these ratings

drive remuneration. A 3 rating is

considered good.

You will have a Personal

Development Plan based on the

training and development needs

you and your line manager identify,

which you should discuss regularly

with to help you develop your

career and realise your potential.

Your Career

Attracting, retaining and managing

talent is central to the future growth

and success of our business. We

provide support and development

to ensure you have the opportunity

to grow and realise your potential.

With our international reach, your

career can take you anywhere

across the Group, with opportunities

widely communicated internally. We

recognise the importance of making

the right decisions about matching

the right people to the right jobs and

ensure all candidates are treated in

a fair and equitable manner.

Assessment will be appropriate,

based on the requirements of the

job and what makes for success

in the job to ensure we promote a

meritocracy.

That means that the best equipped

person gets the job regardless of

race, colour, religion, gender or

anything else. It’s not a philosophy

that was adopted because we’re

forced to do that by law, or anything

else, it’s just because we believe

that is the right way to behave.

We have a long standing talent

programme which is used to

help identify leadership potential,

development strengths and needs

mapped against our competency

framework to ensure people get all

the support they require to meet

their leadership ambitions.

We understand the part all our

employees have in encouraging

people to join us and within the

RBS group we like to recognise this

through nancial rewards for you as

part of our global Employee Referral

Scheme which is currently being

rolled out across the Group.

Your Lifestyle

Listening to you

Your Development



The UK – Rise no surprise

After 20 years with the RBS group and 15 different roles,Jannine Warwick has seen plenty of change. Yet when she

joined the Lombard Street Branch of RBS as a school leaver

in 1987 all she had was a positive attitude, an open mind and

a exible approach. Today she heads the GM Events and

Hospitality department.

Along the way, Jannine has developed an in-depth

understanding of the Group’s culture, how it functions and

who can help. The biggest challenge? Keeping pace with the

speed of business. ‘People expect immediate answers today

due to the immediacy of technology, and we have to deliver’

she states. ‘Streamlined processes help, as does

our at structure.’

So, what’s the secret to her long and successful career atthe Group? ‘I’ve always tried to exceed expectations’, says

Jannine. ‘Surprise them with more than they ask for. It’s how

I’ve developed long-term, loyal relationships with internal and

external clients – relationships that still make me want to come

to work every day.’

How can you make it happen?

That’s enough about us…

over to you.

Europe – Customer oriented initiative

Dominik Cousin has been with RBS Coutts in Switzerland

since 1990 and is a senior private banker leading the Eastern

European department. He’s worked in the Near and Middle

East for the bank and in early 2008 became a senior client

partner, reporting directly to the head of private banking.

‘The freedom you get at RBS Coutts is really refreshing,

although you always have support’, says Dominik.

‘Managers give you an impressive amount of autonomy to

develop new business and grow your skills by coaching less

experienced private bankers.

It’s easy to evolve and launch new products and servicesright away with the ‘green light’ from senior managers.

Recently, for example, I identied the need some of my clients

had for plane and yacht nance and I’m now working to make

that nancing product a reality for them.’

Asia – Investing in our staff

It was the challenge of the Investment Analyst role that

drew Terence Tan to the Coutts team in Singapore. With

experience of equities research in various sectors, he took on

a geographically-focused role covering all equity markets in

South East Asia and India.

Within 15 months he was promoted to Senior Investment

Analyst. He credits the rise to his colleagues’ willingness to

share their market insights as much as to his own talents.

That and the support of his manager, Susan Chua,

Head of Investments in South East Asia.

Susan gave him the opportunity to attend investment

conferences and visit listed corporations across South East

Asia. She also gave him extra responsibilities to help fast

track his learning curve and develop his condence.

So what’s next? Terence is thinking globally. ‘I’d like to

become a global equities specialist, marketing ideas to

end clients. I have Susan’s support to give our clients more

specialised equities support by expanding the equities team.’

And Terence enjoys knowing he has the support of those

around him. After more than 12 years in the investment worldhe says, ‘The team spirit at Coutts is one of the best I’ve

encountered.’

Thousands of people,countless stories, one ambition.

16 17

These real life stories highlight what

makes RBS a unique place to work

across the globe.

>

>

>

>

The Americas – Responsive to your needs

Listening in…

Patricia Dundee is Managing Director in the North American

Energy Finance Group in GBM Houston. She’s been with

the RBS group since 1986, and joined as a Junior Analyst

essentially straight from college.

We asked her for her thoughts on her experiences to date…

Q1: Patty, what struck you most about working at the RBS

group when you rst joined?

PD: I realised that teamwork was the key and relationship

building was crucial. Our clients may be some of the largest

oil and gas companies in the world (like ExxonMobil), but

essentially what we do is all about the people and the

longevity of the relationships we build with our clients. It’s

very gratifying when the analyst you did your rst deal with

becomes the Executive Vice President or Chief Financial

Ofcer of the company you call on.

Q2: What have been the major changes you’ve noticed in the

time you’ve been with the Group?

PD: I think the Group has really changed in its approach to

its employees. We now make sure that even the most junior

employee has a voice in how we do business. We listen to

them and react positively to change things for the better.

We’re only 30 people in the Houston ofce, but we actually

model the Group’s culture really well. We don’t mind who has

the answer, we just work together to nd the best solution.

Q3: What would you say hasn’t changed since 1986?

PD: There are still no limits to what you can achieve –

particularly now the Group is an international force to be

reckoned with! It does whatever it can to keep good people.

Talented, ambitious employees can stay with the Group and

enjoy the most incredible careers. I’m a case in point. I came

from a small town in Texas where I went to a local university.

At the RBS group I have become an MD and travelled the

world with my work. I’m also a working mom and importantly

the Group has always given me the support and freedom to

nd the work/life balance I need.



If you’re seriousabout joining RBS, here’s what happens next.

The next steps of the recruitment process are:

> to pass an interview and/or an assessment centre...

> to receive and accept a conditional offer...

> to agree on a start date...

> to satisfy all the pre-employment checks (PES).

PES will involve a number of

checks to establish your identityand history before we employ you.

We always take time to consider

all applications and we inform all

candidates of the outcome. We can

also give you our assurance that

your application and its outcome

will remain condential.

Keeping in touch

We’ll make sure you’re kept informed

throughout the recruitment process.

If you have any questions, please

contact your hiring manager.

Joining us

When you are successful, your line

manager will welcome you to your

team and clearly outline what to

expect from your role.

Our recruitment process

At RBS we believe that success relies upon attracting and retaining motivated and

talented individuals to work with us both now and in the future. In order to support

the recruitment of individuals we have designed our recruitment processes to be

as efcient and effective as possible.

You will need to demonstrate your skills

and experience to us, so that we maywork together to identify the best t for

your talents within our organisation.

Depending on the role and location

you apply for, there may be differentstages in the selection process.

Many of our candidates complete

the application online by registering

their personal details and participate in

a telephone or a face-to-face interview.

Some roles also require you to visit an

assessment centre.

18 19



We’ve told you a lot.Here’s the short of it.

20

B r o c h u r e d e s i g n : P r o t e u s C r e a t i v e M a r k e t i n g

We want the best and most talented people to work for the RBS group.

Joining us offers world-class brands, pioneering products and one career.

We are diverse and inclusive and offer excellent packages to reward great

performance. We want to help you achieve your ambitions and we’re prepared

to invest in your personal development.

Our business is much more than banking, and our approach is anything but

traditional. The scope of the opportunities we offer, the size of our business,

the freedom and autonomy to drive your career forward all add up to a great

place to work.

This is the principle of ‘Make it happen’ – and it is one that has dened us.

We hope you have found this booklet a useful introduction to

The Royal Bank of Scotland Group and that you are as excited as we

are about the opportunities within this global and diverse organisation.

Good luck.

candidate information brochure

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