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CTBC had the concept of cultivating management associate 4 decades ago, while the institutionalized MA program started since 2003, and has became a cradle of professional managers in Taiwan's financial industry. We have the most acclaimed MA program with an abundant of training resources, and the international stage that makes these talents shine.
2023 MA program has entered its 20th anniversary after the institutionalization. Welcome talents with SMART characteristics to work with us and join the CTBC family. Expanding the international scope and leading the digital trend, it is CTBC Holding's next great peak. Join CTBC, Make your life Amazing!
If you could turn back time, what point in life would you go back?
Once you have a breakthrough, you’re getting closer to achieving your goal.
After finishing the first year of training, MA will be promoted to Assistant Manager. In the second year, MA will be further promoted to Manager after completing the entire training program. This provides a fast path for you to rise to junior management, allowing steady career progression in the echelons of talented successors.
We provide MA job rotation across the front, middle, and back offices to expand MAs’ scope of financial knowledge. Your thinking patterns will be boosted strategically through the training and experiencing at strategic planning units, participating in the Company’s major projects, and senior executives’ mentoring.
We provide MA solid and systematic training on professional, general education, functional skills subjects, enabling you to be in step with current trends and develop critical abilities in planning, analysis, and adaptability.
Aiming to foster international professionals, CTBC has introduced learning resources from world-renown universities, such as the Wharton Business School and Peking University, to broaden our MAs’ scope of global macro views, keep them in line with global financial trends, pave the way for their future participation in international markets, and cultivate their abilities to work across borders.
CTBC MA vacancies spans financial holdings, banks, and insurance systems. Welcome subscribe CTBC Careers Youtube channel to know more about talent recruitment.
2022 MA videosMacro and comprehensive involvement of the overall operation of CTBC Group
MoreEmbarking on a challenging journey
MoreTo infinity and Beyond
MoreIt’s a journey of discovering your own potential, embracing challenges, and acquiring knowledge.
MoreSeeing More and Seeing Things at a Higher Leve
MoreCome join the largest trading desk in Taiwan. Let’s Go Beyond together!
MoreAt CTBC, FinTech is not just a slogan, but innovative financial services in real life!
MoreBecoming one that stands at a strategic level and has a say in the future of risk management
MoreFaith and experience will become your armor. Keep going with your eyes on the future.
MoreOutdoing myself and striving for excellence in every challenge
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Indicate “2023MA_your name_Certificate of education” as the title of the file.
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Participate in any of the following sessions, you will get lucky draw qualification once for NTD$ 10,000 gift. Don't miss the opportunity to communicate with senior MA!
Date | Time | Event |
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3/04(Sat.) | 09:00-17:00 | NTU Campus Job Fair |
3/07(Tue.) | 18:00-18:50 | NTHU Session |
3/10(Fri.) | 18:00-18:50 | NCKU Session |
3/13(Mon.) | 18:30-19:30 | NCCU Session |
During COVID-19 pandemic, the health and safety of applicants remain our top priority. According to the latest COVID-19 situation, we will make appropriate arrangements for our recruitments. For the latest news and updates, please check CTBC official website and CTBC Careers Facebook. In the first half of the year, if you’re studying or working abroad, please refer to below recruitment information:
Welcome to the CTBC Business Development MA Program, where you will be provided with a unique insight into the strategic minds of the senior management at our CTBC headquarters. Our MA development program offers opportunities to understand all aspects of our financial business, work alongside with the main business operations, exposures to the latest trends of innovations, sharpening your analytical and problem solving skills, and finding the best solutions to realize the visions and objectives of CTBC. During our two-year Business Development MA program, you will experience job rotations through different departments, where you will participate in executive meetings and stimulating projects, to systematically learn the strategic analysis of the principles, the methodologies and the tools of project managements. By cultivating your abilities and skills, CTBC gives you an exciting opportunity to become an independent manager with the expertise in international planning.
Involvement in strategic projects spanning multiple banking areas and business units, assessing potential M&A targets, formulating annual strategies, and serving as the bridge between internal entities (divisions and subsidiaries) and external entities (regulators). Cultivating Business Management MAs to become planning experts and outstanding staffers.
Besides job rotations, the MA program is tasked with project evaluation, training, and assignments, such as courses on planning and logical reasoning, financial analysis, Design Thinking, and communication and presentation skills. The Company invests massive resources into training, giving the MAs ample space to shine.
We value people with a positive mindset, enthusiasm, resilience, learning motivation, a keen sense of observation, and strong logical thinking and analytical skills. Take the Business Development MA Program to learn planning skills and get exposure to the world of international finance. Your journey to take your career to the next level starts here!
As a Financial Management MA, on your path to become an important driver in company operations, you will acquire key financial skills and learn how to plan and analyze financial management decisions, including performance management, fee management, capital management, and financial planning. Carrying out financial analyses will give you an understanding of various dimensions of business performance and allow you to present suggestions for improvement to the company. In addition, the company’s relentless internationalization provides an opportunity for you to become a financial professional with overseas exposure.
Serving as product or channel Financial Controllers, conducting P&L analysis and expense management, assisting the front offices in tracking performance, and participating in projects from budgeting, capital increase, setting up new branches to other tasks assigned by the supervisors.
Involvement in the financial operation of CTBC Holding and the subsidiaries allows the MAs to develop basic financial analysis skills. Participating in inter-departmental projects enables MA to cultivate a strategic mindset. Additionally, the MAs can observe the executives' meetings and receive guidance from the Holding's CFO. Such experiences are advantageous for the MAs in decision-making and developing a strategic mindset.
The cornerstone of business success is a large talent pool. A sound HR management system and a robust talent cultivation scheme hold the key to CTBC's sustained competitive advantage. With CTBC's overseas expansion in recent years, establishing a mechanism for global HR management and promoting talent development in different regions are important tasks of the HR Department.
An incoming MA of the HR team will have the opportunity to learn about all functions of the HR department over two years. By assisting in formulating HR policies in various projects, you will learn to perform organizational design, work force planning, performance management, compensation and benefits calculation as well as employee training and development. By facilitating the making and implementation of work force planning based on the company’s business strategies, you help our strategic business partners accomplish their goals.
The main task of an HR management MA is being the strategic partner for other business units. Being responsible for talent selection, hiring, cultivation, and retention for the business units, HR management MAs are involved in seeking solutions, data analysis, project planning, and scheduling. Additionally, HR is the bridge between internal individuals (talents of each business unit) and external individuals (prospective talents). HR management MAs would receive exclusive training, including basic HR knowledge, courses on planning and logical reasoning, financial analysis, and communication and presentation skills. The MA program cultivates HR expertise and emphasizes planning and proposal capabilities. Additionally, with the opportunity to observe inter-departmental and executive meetings, the program can effectively improve decision-making skills and the strategic mindset of the MAs.
The CTBC Bank Institutional Banking Team provides enterprises with comprehensive custom-made financial solutions, covering areas including business loans, international trade, capital market fund-raising, and financial product transactions. In recent years, the Bank’s institutional banking operations have continued to expand overseas, and with more than 110 branches and subsidiaries across 14 countries and regions in Greater China, Japan, Southeast Asia, and the US, CTBC is the Taiwanese bank with the biggest presence on the international stage. In the future, overseas expansion will continue to be a major focus for CTBC Bank, with the goal of joining the ranks of top-rate international financial institutions.
In this two-year program, institutional Banking MAs receive comprehensive training in professional financial knowledge and skills and test their potential through job rotations in various departments at headquarters, including institutional banking, product planning, and risk management. At the end of the two-year program, MAs have the opportunity to continue to deepen their international exposure and broaden their horizons through an international rotation. The program teaches MAs to think like senior management and rapidly develop into an independent corporate financial consultant or financial product manager.
Institutional banking MAs can explore vast knowledge from the first day of joining CTBC, from systematic professional courses, experience sharing by MA program predecessors, to on-the-job training during job rotations.
By rotating among front offices to administration departments, the MAs can learn about each department's responsibilities and business lines within a short period and internalize the experiences as professional know-how. The tasks include drafting credit reports, attending business meetings, assisting the development and maintenance of RM customers, conducting industry analysis and risk assessment, and familiarizing with the responsibilities of the front, middle, and back offices in institutional banking. Additionally, the MAs learn how to plan institutional banking products, participate in process improvement and global business strategic projects, and enhance planning capabilities and a strategic mindset for businesses overseas.
CTBC Retail Banking Team is engaged in businesses such as digital finance applications, new payment practices, overseas branch operation, premier wealth management and consumer finance. Besides access to personalized courses in finance, Retail Banking MAs will join a 2-year comprehensive job rotation program and interdepartmental projects, which help develop logical thinking and strategic planning abilities while quickly accumulating hands-on experiences with various products and clients. These accumulated financial knowledge and practical experiences will surely equip Retail Banking MAs for being a professional manager after completing this program.
CTBC Retail Banking Team is a trailblazer of wealth management, consumer finance and payment business in Taiwan. By combining smart algorithms and agile development with approaches adopted to identify client needs such as design thinking and big data analytics, we have launched diverse innovative digital financial services such as the “Home Bank” app and conversational ATM. In addition, we have rolled out diverse payment tools in collaboration with industry leaders based on external scenarios. By building industry ecosystems with various sectors, we bring financial services into all parts of daily life to meet the financial needs of our clients and users.
The retail banking team is closely connected to Fintech. The MAs can receive various training and have the opportunity to participate in multiple digital projects using digital deposits, facial recognition, finger vein recognition, and AI speech analystics. Furthermore, the MAs can participate in product ad proposals and cross-industry events. Retail banking MA is optimal for creative and versatile individuals. Besides job rotations, the MA program benefits from Mentorship and periodic discussions with the executives on the business lines and reasoning. The MAs can learn how to draft a substantive and coherent report from start to finish, which would be very helpful in future business execution and proposals.
Having been awarded the “Best Foreign Exchange Provider in Taiwan” several times, CTBC Bank’s Global Capital Market team has the highest trading volume and the largest trading roomamong peers. With plentiful innovative product lines, we continue to provide clients with solutions in treasury planning and financial risk management, offering services in foreign exchange, interest rate, bond, equity and derivatives as well as credit derivatives trading in over-the-counter and centralized markets.
Through job rotations across product sales, financial trading, treasury management, market risks and back office settlement, Treasury Associate will develop a thorough understanding of various financial products and businesses. By working on designated projects and assignments and observing senior colleagues on their job, you will be on a fast track to master how the capital market works and how various financial products are traded. Furthermore, regular morning sharing sessions help you navigate through constantly changing and highly competitive financial markets, stay up-to-date with the latest financial news across countries, participate in global equity, bond and currency markets and witness real-time market volatility. In this process, you will learn to make professional judgments of the markets and soon become an expert of capital markets.
The front office comprises the sales desk, the trading desk, and the treasury department. The MA program offers the opportunity to observe the sales agents close up, learning from their ways of interacting with clients, proposing suitable products, and offering accounting advice. At the trading desk, traders encounter a variety of investment instruments. Besides conducting in-house trading, the trading desk also provides the sales agents with competitive prices in the market. The treasury department handles all the funds throughout the bank, dealing with tasks small and big. Life at the front office is like the front-row seat to a rock concert; it never ceases to be exciting. At the middle and back offices, the MAs witness the strong support of the back office and how it operates, handling tasks from risk management, credit management, and system installation to settlement.
Driven by the vision of realizing internationalized management, our Technology team focuses on developing digital banking capabilities through conducting innovation specified environments, introducing modern IT architecture and developing new forms of financial products and innovative services. Altogether with superior client experience as our core value, we bring Fintech to life.
As an MA of the Technology team, you will work with the best of the best from all kinds of sectors and backgrounds including finance, technology, start-up and etc. By participating in innovative projects spanning from artificial intelligence, blockchain, cloud technologies, scenario experiment and user experience verification, IT architecture and cybersecurity governance reform, you will be part of an evolutionary transformation. While the first year of training equips you with everything you need to know about the business, the second year focuses on developing expertise, broadening horizon and professionalizing your planning skills. You will also have the opportunities to learn from both domestic and international Fintech businesses and technology consulting firms, participate in executive meetings, accumulate professional knowledge while mastering all aspects of the business in the process.
As Fintech advances rapidly worldwide, new banking services have become the core competitive strategy for the banking industry. Technology MAs would have various opportunities to participate in corporate-level digital, IT, and cyber security projects, meeting tech specialists across industries, renowned advisors from international firms, and emerging Fintech talents. The MAs can grow along with the top teams and elites in finance; you would become an interdisciplinary expert in both banking and technology.
Other than job rotations, Technology MAs can learn through the following tasks:
Based on a forward-looking global risk management strategy, the risk management team of CTBC has created a risk management culture driven by diverse thinking, specialization and the philosophy of effective integration. We continue to develop advanced risk management programs and make them even more relevant to business development. As the best risk management team in the industry, we are also the best partner to the sales team. CTBC has been recognized by many awards from iconic professional institutions at home and abroad.
The CTBC risk management team is made up of departments specializing in the management of different types of risks, including asset and liability management, institutional credit risk, retail credit risk, market risk, operational risk, country risk and climate risk, as well as integrated risk management. If you are interested in having a career in risk management, joining CTBC will give you an opportunity to receive training in different types of risk management through our rotation program. By participating in the development and implementation of core projects, fintech and assessment technologies used by various risk management units, you will accumulate experience in all areas of risk management and have an opportunity to find out which area is a good fit for you.
Accumulating business know-how: job rotations across all risk management departments and business lines allow the MAs to acquire the knowledge necessary for retail banking, institutional banking, and the capital market. Cultivating planning capabilities: CTBC's risk management department has industry-leading infrastructure closely connected to all business lines. Such an advantage allows the MAs to acquire insights into business applications and risk management through training programs and project implementation. The MAs can develop decision-making skills concerning risk management.
Expanding horizons of the profession: Risk management MAs would participate in various risk planning projects and implement risk management policies. They are involved in inter-departmental communication and collaboration across business lines, companies, and countries.
Taiwan Life's Digital Insurance team is customer-centered, serving as an operation center connecting the front, middle, and back offices, aiming to create the best customer journey for insurance. Digital Insurance MAs would participate in strategic projects such as TeamWalk workplace health management and AI customer service during job rotations and receive training on the process optimization methodology while accumulating hands-on experience developing digital products. Taiwan Life's Digital Insurance team is responsible for developing, maintaining, and promoting the digital platform. We gather information on the customers' needs through online advisor appointments and product sales, offering custom products and services. We also provide easy access to policy information with the LINE app and the policyholder website.
As social marketing and the ecosystem grow, we also work with influencers, explore cross-industry alliances, and invest in digital ads to promote our digital services. Furthermore, we introduced NPS and VOC mechanisms to understand the customers' needs and adjust our services accordingly.
Digital Insurance MAs would rotate across the digital departments of the Holding Company, CTBC bank, and Taiwan Life, having the opportunity to participate in various digital projects, understanding digital banking strategies, new technologies, data analysis, and the operations of online and mobile business units. The MA program cultivates the skills of the customer, market segment, and data analyses. Through being involved in the latest Insurtech projects, the MAs can also learn how to plan for digital transformations.
Joining the Taiwan Life Insurance Business Development MA program allows you to participate in the Company's strategic planning, from formulating business plans to performance analysis and management of the subsidiaries (P&C, financing) and joint ventures (Junlong Life Insurance in China). The MAs also help assess and coordinate the Company's major projects and M&A activities. Furthermore, the program offers the opportunity to plan the co-marketing campaigns of Taiwan Life and other subsidiaries of the Group and even promote ESG for the Company, generating sustainable growth.
You would acquire a bird's eye view of the Company, understanding business progression and innovative trends. With well-established and premium training resources, the MAs learn about the ins and outs of an insurance company and fully understand the critical issues and challenges of Taiwan Life and its subsidiaries. You would become outstanding, independent strategists capable of spotting internal and external issues, analyzing the problems at hand, and finding solutions.
Insurance Business Development MAs would rotate across all business lines, including distribution channel operation, planning, transformation project management, investment management, business strategy, and subsidiary units such as P&C and financing. The MAs would also rotate to the planning department for new ventures. You would learn about an insurance company's operation and critical issues through hands-on experience at each business line and project.
I am Chan Yi-Hsuan. After graduating from the Institute of Business and Management of the National Chiao Tung University, I joined the CTBC Business Development MA Program in July 2016. I now serve at the Strategic Development Department of CTBC Financial Holding. The advantage of the Business Development MA position is in its flexibility and breadth, offering rotation opportunities in different business units and subsidiaries. MAs are put on rotation programs that provide the most efficient training necessary for us to master project planning and strategy formulation, which is made possible by combining our background with the Group’s strategic priorities for the year. During my time as an MA, I rotated between four units: (1) The operations unit of the Bank’s institutional banking business, where I learned to analyze customers’ financial conditions and lending risks, and was responsible for producing credit reports; (2) the management unit of retail banking, where I received training on branch evaluation and reward system design, financial advisory, and branch location planning; (3) the payment product unit, where I learned about the various aspects of credit card product planning, such as product planning, customer segmentation, added functions, the industry, and electronic stored value cards; and (4) the strategic development unit of the Financial Holding, where I was part of the Group’s annual strategy and goals formulation, analysis and assessment of potential M&A investment targets, coordination and integration of cross-business and cross-subsidiary projects, preparation for issues discussed at the Holding’s strategy meetings, and communication with competent authorities.
After graduating from the MA program, I stayed with the strategic development unit of the Financial Holding, where my job falls under the following three categories:
The CTBC MA Program is both intensive and extensive. In addition to job rotation, the program also offers a series of training courses and project evaluation, as well as individual mentoring from mid- and high-level executives. The company provides trainees with a lot of resources and immense opportunities. During two years of intensive training, MAs quickly develop professional skills and are thus more likely to be promoted later in their career. It is a period when MAs learn to analyze, communicate and coordinate, organize and translate the results to effective strategic plans.
As stress is inevitable in the workplace, it is vital to maintain a work-life balance. It is critical to engage in leisure activities and hobbies that can help one relax. My principle in life is “work smart & play hard”.
Having worked at the Department of Institutional & International Banking Finance Management (capital market, private banking) and the Department of Performance Management (the logistics unit in General Affairs Division, aggregation of bank-wide expenses and capital expenditure) What a Financial MA needs to have
Participation in projects for capital saving, cost reduction and efficiency improvement: Review how capital is used and how expenses are made at various units, make recommendations and formulate relevant policies to increase the efficiency of resource use.
My journey in the big family of CTBC, in a nutshell, is full of excitements and challenges. During the journey, because of the difficulties of these challenges, I had doubted myself from time to time, such as "Oh my God, can I really do this?" (And with reasonable assessment, I think such self-doubt may appear again uncontrollably in the future). In the process of learning how to lead a team with different backgrounds, it was certainly not easy for me to establish our common goals while respecting individual differences. (At the moment when I write down these words, I am still trying after experiencing frustrations). Fortunately, although the process is not easy, I am not lonely because I have so many excellent colleagues who are willing to make contributions. Thanks to their company and support, I completed the past journey despite the bumpy roads and I am always looking forward to the next challenge today and tomorrow!
My name is Liu You-Yu. I was an MA back in 2016, and my job now is employee development planning. Unless most of the other MAs from a business background, I graduated from the Department of Psychology of the National Taiwan University before joining the HR Department. During the two years of MA training, I rotated across all functions of the HR Department, serving as an HR business partner at the institutional banking, retail banking, and international units, as well as working at the recruitment, appointment, employee development, and HR management units. The highly intensive job rotation gave me an opportunity to quickly master the most essential HR practices. Besides the daily routines, I was assigned a research project in each of my rotation positions. Having to gather internal and external data within a very short period of time and making proposals based on the data and my analysis, I received solid training that enabled me to grow rapidly and understand key strategic issues relevant to the HR Department.
After graduating from the MA Program, I spent three years at the Strategic Development Department of the Financial Holding, which proved to be a very precious experience. I was tasked with operations management and strategic meeting organization across the subsidiaries of the Financial Holding. By collecting and analyzing issues arising from and pertaining to the business performance and management in various units, I helped the executives track and discuss these issues. Meanwhile, my job also involved assessing potential investment or M&A projects and cross-industry collaboration opportunities. It was a process of gathering and organizing the basic facts of potential partners, analyzing their financial profile, proposing possible transaction structures, and reviewing the financial policies and regulations at home and abroad, which lays the groundwork for further feasibility assessment, transaction structure proposal, investment consideration and synergy evaluation.
Although what I did at the Strategic Development Department was very different from what I had learned at school and what I did as an HR personnel during the MA rotation, the skills I had developed during the training, namely, project planning, problem-solving, communication, as well as the ability to perform under stress, made it possible for me to outdo myself and learn quickly and deliver on every task when put to a different field of expertise.
Because of the proven track records of previous CTBC MA graduates, new MA graduates would receive a training and development plan different from their peers on Day 1 of the job. The two years of training quickly transforms a fresh college graduate into a professional talent capable of working independently. Outstanding graduates from the MA program are very likely assigned vital or challenging tasks, and hence have better opportunities of diverse career development and more favorable salary packages.
Of course, what you give is what you get in return, and highly challenging jobs require more time and endurance. To ensure sustainable stamina at work, I make sure to finish all work during the week, and leave the weekends for leisure activities such as sports and baking. I also have annual personal goals, such as climbing a few of the “100 Peaks of Taiwan” or obtaining Class C Baker Certification, to enjoy a personal life that is also full of diverse activities and challenges. I believe that the time spent in these activities will be food for the soul. Such high-intensity leisure activities require constant practice and thinking, and are thus great for helping me recover from the intense workload and allowing me to stay motivated whenever I feel frustrated!
After graduating from the Graduate Institute of Finance of the National Taiwan University of Science and Technology, I joined CTBC’s Institutional Banking MA Program in 2017. My two years of rotation started with 8 months in a front-desk business unit compiling credit check reports, during which I honed my skills of “know your customer” (KYC) and industry research, followed by training in a different middle or back office unit in institutional banking every 3 months. In the risk management unit, I received one-on-one training that taught me what to look for in a case and how to identify key risks. In the product unit, I participated in projects such as the user acceptance testing (UAT) of a letter of credit system and research on accounts receivable in India. Besides getting a better understanding of related products, I also learned more about the overseas markets, which is a key business focus of CTBC. In the process planning unit, I was part of the planning of an eKYC project that integrated domestic and overseas platforms, which allowed me to participate in the whole process of information inventory-taking across systems within the Bank, interface planning, and communication with external suppliers. In the business management unit, I worked on the Equator Principles Project, which introduced me to the idea of ESG. In the planning unit, I worked on projects such as bank marketing and early preparation for a five-year plan for institutional banking. Throughout this process, I learned how to develop a strategic framework and be more logical and organized in presentation, which was immensely helpful when preparing for my project evaluation at the end of the MA Program.
Aligned with my near-term career plan, I first served as an ARM for 32 months at the Jumbo team of the business unit after graduating from the MA Program, as I wanted to learn about the business operations of institutional banking and what customers want by facing them directly at front-desk positions. Early on, I wasted no time in getting familiar with the customers and the daily transactions, focusing on honing my skills in communicating across units. In addition to being efficient in supporting the daily operations, I practiced handling impromptu work assignments efficiently. As I became more familiar with the job, I began to observe different RMs to see how they manage and deal with customers and help customers solve their problems. Also, I began to facilitate RMs to bring in more customer management resources.
After passing the RM evaluation, I asked to be transferred to the back-office strategy unit, as I wanted to develop stronger strategy formulation capabilities and learn to think and plan from a more global perspective. The types of projects I have participated in are mainly “strategic projects”, “investment projects”, and “cross-BU collaboration projects.” The job involves a wide range of areas, and there are many opportunities to work with other units and meet with senior executives. Important qualities required of the job include the ability to learn fast, efficiency and attention to detail, curiosity and keen observation, as well as a strong heart, tenacity, and resistance to stress.
The most memorable experience from the two-year training was the final project evaluation: The Economic Substances Act Project. After identifying the significant taxation implications of the Act for Taiwanese businesses and the huge business opportunities for capital transfer, I pinpointed the impact it would have on our existing customers before proposing capital deployment plans for different types of customers and how our bank can provide more financial services. Throughout this project, CTBC offered me a lot of resources and a great platform, where I was able to present my research to the President and senior executives at a Greater China Region meeting. It was an opportunity for me to demonstrate my capabilities and present the value of the project. I later went on to work with various units to bring the project to fruition.
The CTBC MA Program is highly stressful and intensive. In addition to job rotation, the program also entails a series of training and project evaluation. Expecting a lot of us, the company invests many resources to help us grow. For example, mentorship from senior executives and well-planned rotations are in place to help us learn as comprehensively as possible. The two years is an intense experience that also provides great opportunities for MAs, who are put on a fast track to professionalism, promotion, and excellent practitioners of institutional banking.
It was tough at the beginning, but the two years of solid training has allowed me to make full use of my capabilities. With the friends I had made during the rotations, I have been able to work efficiently and minimize overtime hours. Besides working on developing another expertise, I have been training regularly in the gym on the 17th floor of the company building, one of the perks of working here!
I am Su Kuan-Wei from the Retail Banking MA Program in 2020. Having graduated from the Department of International Business of the National Taiwan University, I currently serve at the Private Wealth Segment Department of the Private Wealth Management Division.
During the MA Program, I rotated between various business units of retail banking: the front office (front desk services), the middle and back offices (business management), strategic planning, products, digital platforms, and overseas retail banking. In addition to the diverse range of businesses I handled in these units, I was also tasked with other assignments such as project research, strategic planning, market dynamics analysis, and customer experience survey. The CTBC MA Program provides solid training and a learning experience of breadth, depth, and vision.
I was assigned to the Private Wealth Management Division straight out of the Program. My job involves a wide range of duties, such as researching and summarizing the market trends in private banking, analyzing and producing insights of high-net-worth customers, and executing marketing campaigns. My responsibility in the ongoing High-Net-Worth Project is to conduct qualitative and quantitative research to develop an in-depth and comprehensive understanding of the needs of high-net-worth and ultra-high-net-worth customers, create medium- and long-term business and strategic plans, and develop premium services for these customers. Through the two-year MA rotation and training as well as my work experience ever since, I have grown in the following three areas:
First, strategic thinking: Training on department-specific topics and strategic planning does not just help MAs quickly learn to summarize problems and master key problem-solving skills, but also enables us to develop planning, decision-making, financial analysis abilities.
Second, communication skills: As many projects rely on cross-departmental communication and collaboration, MAs develop better coordination skills and presentation skills, which helps us perform better on stage and are thus more likely to be seen.
Third, professionalism: Although rotating between the front, middle and back offices was very busy, it allowed me to have an overview of retail banking. The experience of working in multiple departments also enables MAs to see more and see things from a higher level. We grow with the company, which is the perfect embodiment of “Go Beyond”.
MA rotation gives us access to a different set of opportunities inaccessible to others. Going through various tests and rotations, we are on a fast track of capability development and ultimately a fast track to promotion. The company has also invested a lot of resources in MA training. In addition to the job training across various units, we also receive guidance from senior executives on a regular basis, so that we can see things from the perspectives and levels of the management. This is a highly efficient way of helping us become professional managers.
Despite being very busy during the rotation period, I picked up new hobbies in my spare time once I got more familiar with the job. Hiking, diving, and exercising weekly has helped me release stress and sharpen my mind, giving me better quality of life.
I am Gang Bai-Chi from the TA Program in 2022, and I am a graduate from the Department of Business Administration of the National Taiwan University. The TA Training Program provides opportunities to rotate between the Sales Division, the Trading Division, the Funding & Gapping Division, the Markets Risk Division, and the Treasury OP & IT Division. Although these units are very different in their line of business, it is vital for TAs to have a steep learning curve and truly “Go Beyond” by tapping into our abilities of logical thinking and information analysis and integration. In the Sales Division, TMOs are committed to understanding customers’ financial status and providing customers with a full range of hedging and capital allocation services, as well as providing more hidden value so that customers are willing to choose CTBC. In the Trading Division, traders do their best to analyze a wealth of information to identify potential trading opportunities, verify their thoughts, and deliver positive returns in the rapidly evolving and unpredictable financial market. The Funding & Capping Division focuses on managing the funds in the cash pool and being more efficient about capital allocation. As the Trading Desk provides a wealth of qualitative and quantitative resources, here, one can learn from the senior colleagues. To make the best of these resources, TAs must demonstrate the aforementioned skills, make good judgments, and prove their own value. Come and join the TA Program to feel the pulse of the capital market!
As for my project evaluation, I decided that we at the trading desk must “Go Beyond” and explore different possibilities to identify valuable information that can help us develop products that would sell in such volatile financial markets. By studying the correlation between stock and bond prices, using options to balance risks and rewards, conducting market and product research, and using statistical models to calculate the probabilities of achieving various financial goals, my colleagues and I developed a competitive product that combines the fluctuations of multiple products.
The experience has brought me to the realization that to “Go Beyond” and deliver good results requires more than just an in-depth understanding of financial products and available resources, but also the ability to find alternatives when analysis results are not satisfactory. The project evaluation also presents an opportunity for TAs to explain how they identify and solve problems, and elaborate on the logic in their presentation. This also helps TAs develop stronger professional skills and better ideas.
The CTBC Trading Desk is the largest of its kind in Taiwan and offers the most product types among local banks. During the rotation, TAs are exposed to various types of derivatives and the business of each unit in addition to being expected complete a special project and other assignments assigned by their supervisors! For the TA project evaluation, we were asked to develop new products or strategies that work for the Trading Desk, during which we can hone our ability to identify problems and think with logic. As what we come up with could be new themes for the Trading Desk, the training gives newcomers a lot of freedom. Most of the more senior colleagues in the Trading Desk were once TAs, and so they are all happy to give us opportunities and resources. Furthermore, there are many opportunities to communicate with and learn from senior executives during the process. Joining the CTBC Trading Desk will be a choice you will never regret!
I am Jing-Chun from the 2020 Data Technology MA Program. After two years of intensive training, I am working as a business analyst in the Data Strategy Planning Department. Over the course of two years, I rotated between multiple units, during which I learned the basics of various businesses within a short period of time by working in various field, product, and segment departments, and I also learned about the most cutting-edge FinTech and their applications by visiting technology innovation agencies. It was a very solid and comprehensive training program created to cultivate “π-shaped talents” well-versed in both technology and finance.
During the rotation, We have to learn fast and supervisors tend to have higher expectations for MAs. During my time in the Digital Marketing Department, the US dollar was trading down, and sending APP notifications to customers when the price was at a relatively low point was usually very effective. However, FX product PMs were too busy to keep track of the price fluctuations, and so the supervisor proposed sending PMs automated notifications to remind them. After giving a quick assessment of the feasibility of learning the technology, I spent my own time studying programming and managed to deliver the feature before my rotation ended. I impressed the PMs and department head as my performance exceeded their expectations. I also gained a great sense of achievement from the experience.
My job now is mostly project-based, focusing on data analysis and project management. In a project about financial management data operations planning, I conduct potential analysis in the preliminary stage, participate in discussions during the project, and perform performance tracking after the project concludes.
A key project I have participated in recently is the Customer Dashboard Project, which is a platform created for the thousands of CTBC financial advisors across Taiwan. It is intended to be a useful tool for the advisors to seize opportunities for customer management. As the platform PM for this project, I need to first understand the business needs on the front line, and translate those needs into technical specifications that the IT colleagues are familiar with. During the planning and development processes, we have constant discussions about the feasibility of each specification.
Furthermore, I am always in situations where I need to step out of my comfort zone. For example, I never thought that it would be my job to promote the platform to frontline colleagues and help them learn to use it after it went live in the middle of last year. Although it was not what I had been known for, I took the opportunity to learn new skills. It felt great to see the platform help the colleagues in their job. This is definitely what “Go Beyond” is about for CTBC MAs!
To me, the technology MA Program offers two professional advantages. The first one is opportunities to spend time with senior executives. We get to talk to and learn from experienced supervisors through the mentorship system, training courses, and project evaluation. It is such a valuable opportunity, as most of these executives are big names in the annual reports. The second advantage is we get to develop stronger technological capabilities. As the financial sector has a wealth of data and many tech masters, MAs can learn to mine big data or discuss forward-looking tech papers with the masters. There are many opportunities in the transition to technology-driven financial services, and the only question is whether you can seize them!
Having joined the Risk Management MA Program back in 2016, I now serve at the International Retail Credit Risk Management Department, working as a risk management project manager at the Thailand subsidiary. To gauge risks, one must first have a good understanding of the products. Risk Management MAs do not just rotate between the back-office risk units, but also the front-office product units, giving us a comprehensive understanding of our bank’s products. In addition to vertical rotations across different functions, we also have opportunities for horizontal rotation across the risk management departments in the institutional/retail banking and markets divisions. The Risk Management MA Program emphasizes hands-on experience, and so, besides participating in risk management meetings, MAs are also exposed to open risk management issues on the frontline. The setup allows us to quickly “Go Beyond” in a “test & learn” environment!
International risk management consists of project management and project monitoring. Project management involves helping overseas subsidiaries build sustainable and stable risk management mechanisms, including an iteration system of talents, systems and risk management strategies. To help subsidiaries create a blueprint for risk management and propose a suitable plan for them, we need to draw on our experience in Taiwan as well as practices of cross-border risk management. Through constant trial and error, we adjust the strategies so that the subsidiaries can maintain a stable asset quality while actively increasing business volume. Project monitoring is conducted on a regular basis to accurately keep track of the asset quality of the subsidiaries. Should we spot any abnormality in asset quality, we would assist the subsidiary in question to identify the cause of the problem and formulate practical measures in advance to prevent profit erosion.
Years of experience in international risk management has taught me to think at a higher level. Instead of just conducting in-depth research on a single topic or technology, which was what I did during the MA training, I have learned to look at things from the strategic level when developing future plans and coordinating resources. Despite the confusion and helplessness I have felt, a look back on the experience makes me realize that I have been outdoing myself every step of the way!
I believe that the opportunity to directly learn from senior executives and see how they make decisions and present their ideas is the most rewarding experience for MAs. While few of the other colleagues have the opportunity to talk to senior executives directly and frequently, we hear so much wisdom and business insight from the many conversations we have with the supervisors. As MAs, we are often assigned tasks beyond our capabilities, which pushes us to learn and grow quickly and hence gets us one step closer to being all-round talents.
I joined the MA Program back in 2019 after graduating from the Department of Accountancy and Graduate Institute of Finance of the National Cheng Kung University, and I currently serve at the Superior Customer Experience Project Management Office (SCE PMO). During the two-year rotation, I worked at 7 units across the Bank, Financial Holdings, and Taiwan Life. My experience included strategy planning and project execution at the Digital Finance Division, customer segmentation and customer experience management at Taiwan Life, front desk operation planning and digital tool development, digital marketing, as well as executing more than three large-scale system deployment and MVP.
The fast-paced and extensive rotation experience has helped me to be flexible and learn about digital insurance and operations quickly. Thanks to the training I had received, I was able to think professionally, gauge problems accurately, and solve them accordingly.
By definition, the SCE was set up to create superior customer experience. Tasked with customer experience management, I automated the NPS management system introduced by my predecessors, raised the efficiency of management, and introduced a regular review system. The monthly and quarterly discussions with various units have led to many improvement plans and brought forth a number of measures. Each of these small changes will eventually add up and result in better customer experience.
As the PM of the Intelligent Customer Service Project, I was responsible for overseeing project progress and coordinating between various units. Despite prior experience with system development, being the PM of a large project for the first was still a nerve-wrecking experience. However, I was more excited than nervous. Past experiences have made me who I am today, and challenges are the driver of growth, propelling me to a higher level. Eventually, project went live as scheduled.
【Perseverance】has been my motto since Day 1 at CTBC. I keep improving myself through training and trying new things to gain more experience. This mentality has been what guided me through frustrations and setbacks, and it is also why I get so many opportunities ahead of me.
Training in the MA program offers two advantages. First, by rotating between various departments, we have connections and business experience that would prove to be helpful in the future communication with other colleagues and collaboration with various departments. Second, MAs have plenty of opportunities to interact and exchange views with senior executives, as we often present to and receive guidance from them. This enables us to develop ideas of vision and depth.
While giving 100% at work, I also keep enriching and recharging myself in life, creating a virtuous cycle of life and work. The connections I made and solid training I received during the MA program has made my job much easier.
My name is Liao Gui-Ting. Having graduated from the Department of International Business of the National Taiwan University, I joined the CTBC Business Management MA Program back in 2013. Over the past 9 years, I have served in units such as the Corporate Planning Department and the HR Department of the CTBC Financial Holding. Currently as the Section Chief of the Business Strategy Department at Taiwan Life, I manage the business performance of subsidiaries and related overseas projects. The rotation training across various units helped me develop stronger analysis and planning skills and become an effective strategy consultant:
Having served at the HR Department after graduating from the MA Program, I now work in the Business Strategy Department of Taiwan Life. My job entails organizing business performance analysis reports, tracking and reviewing project progress, and coordinating discussions of 5-year plans and major issues for subsidiaries (non-life insurance, financing) and joint ventures (Junlong Life Insurance Company Limited in China), as well as assessing related overseas investments. I am also responsible for planning co-marketing schemes between Taiwan Life and other subsidiaries, as well as planning and promoting ESG-related affairs at Taiwan Life.
For example, as the coordinator of a co-marketing project between Taiwan Life and other subsidiaries, I was responsible for collecting and summarizing opinions from each of the Taiwan Life units, making suggestions, communicating with partners, and keeping tracking of project progress. Besides organizing the different ideas from various departments, we tried to find a way of collaboration that was the most efficient for the Group. By participating in the project, I developed much stronger coordination capabilities, and I also led our team in formulating and implementing collaboration plans. Despite numerous challenges in the process, I had a great sense of achievement when initial results from the project began to materialize in 2022.
MAs have more access to guidance from senior executives. Over the course of rotation, the HR Department helped us set up regular meetings with senior executives, during which they spent time listening to our reports of project progress and providing suggestions. The experience allowed us to see how senior executives made decisions. In addition, MAs tend to be on a fast track of promotion and are more likely to be assigned to key projects and be seen. In my case, I was promoted to the Section Chief position shortly after the two-year training, which was rather rare among other colleagues.
Over the years, I have been keeping a close watch on my physical and mental state, trying to keep a few hobbies. For example, since baking is my passion, I would buy baking supplies and try out new baking techniques, which helps release work stress.
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