Compliance & internal Controls

Business Development

Retail Banking & Business Development

Operations

• Over all incharge and responsible for entire branch operations and workings.
• Responsible for compliance to internal,external auditors,head office and law enforcement agencies.
• Interview with the new account openers,observes KYC instructions and precautions against AML.
• Supervision of daily cash closing.
• Annual evaluation of staff for increment and promotions.
• Ensures submission of all periodical statements, reports to all concerned quarters.
• Responsible for the achievement of all allotted targets i.e deposit target,advances targets, recovery target, profit target and audit category targets etc.

• Ensure the branch and vaults are opened and closed on a timely basis
• Enforce dual control procedures at all times
• Facilitate teller buys and sells to the vault
• Balance vaults, coin machines, taxes, etc.
• Audit teller drawers
• Maintain monthly branch efficiency logs
• Oversee teller duties and assist line with customer transactions during peak periods
• Keep staff informed of pertinent changes in operational policy and procedures
• Prepare teller performance appraisals and disciplinary notices as required
• Perform pre-audits to insure ongoing adherence with compliance procedures
• Maintain and test alarms and other security devices
• Keep educated on all deposit, business, and consumer loan products
• Maintain adequate supplies at the facility
• Balance and trouble shoot ATM/Debit Card concerns
• Maintain proper teller and vault cash levels including ordering coin and currency
• Ensure excellent customer service skills are practiced by all the teller staff members
• Meet with staff regarding branch security and safety issues
• Facilitate meetings to disseminate operational information
• Approve and sign all the negotiable Instruments and vouchers
• Check and approve Account Opening forms for opening of Accounts
• Ensure Strict Compliance of SOP, Operations Manual, AML & KYC policy.
• Ensure Proper Handling of Home Remittance Transactions.
• Implement service Delivery standards.

• Supervise the performance of Head Teller / Sr. Teller & Tellers, Branch Service Representatives (BSR), to ensure optimum productivity and high quality service in order to provide a range of general banking services to customers, so as to achieve the goals of the branch.
• Responsible for Cash and Security Documents as a Joint Custodian of the vault and (ATMS) ensuring that the optimum cash balance is maintained at all times. Review cash balances and limits to ensure risks are minimized. Ensure excessive cash is not maintained and that any excesses are reported to Head of Branches Operations for insurance reporting purposes.
• Responsible for Control over Stationery usage and safe-keeping of security items such as Demand Drafts, Managers Cheques, Bank's stamps, etc.
• Monitoring on a regular basis to ensure that all CC TV's in the branches are functioning properly and report any problems to the Establishment Administration Department
• Co-ordinate with outsourced service providers regarding functioning of Branch ATM's.
• Co-ordinate with Centralized Units at H.O. regarding day-to-day activities at Branch.
• Authorize transactions above Tellers limits within the approved limit,
• Plan, organize, monitor and control the day-to-day services offered by BSRs and Tellers to ensure that timely delivery of the services to enhance customer satisfaction.
• Ensure Internal Control procedures are in place at the Branches at all times. This should be evidenced through periodic reports to the ICU and Operational Risk Unit .
• Daily review of entries in and out of Suspense, Sundry, Rejection items, Account Receivables, Account Payables etc.
• Review GL balances to ensure that it corresponds with the subsidiaries and account of suspense nature such as, Suspense, Sundry, Rejection items, Account Receivables, Account Payables etc. and follow-up for clearance / reconciliation on a daily basis.
• Review and authorize all documents (originals and scanned) pertaining to New Account opening, Remittances, Time-deposits, Safe Deposit Lockers, Loans, etc.
• Responding to enquiries from AML Unit in a timely manner.
• Responding to Internal / External Audit queries in a timely manner, ensuring that the discrepancies pointed out by them are corrected immediately
• Check the postings carried out by Head/Senior Teller(s) against the transactions journal presented by them and sign on the report
• To review all branches of Transaction Journals ensuring that the daily Tellers transactions journals have been checked initialled and filed as per the Bank's policy &procedure. Any discrepancy identified should be immediately reported to Branch Manager and Head of Branches Operations to eliminate the risk of financial loss to the Bank.
• Ensure that outward clearing, inward clearing and inward return timely delivered .
• To comply with the Operational Risk Unit guidelines for managing of Operation Risk.
• Undertake Performance Management responsibilities, agreeing with the individual targets and monitor the performance of his Direct Reports by periodic reviews .
• Develop, train and motivate all staff members (BSRs & Tellers) sharing specialist expertise and demonstrating leadership ensuring that they are fully aware of the Bank's products, procedures and practices to enhance the competency profile in coordination with HR training.
• Responsible for implementing JETS (Job Efficiency Tracking System) for all staff within the Unit.

• Disbursement of Car Finance Cases.
• Insurance Matters of Car Finance Cases.
• Monthly, Quaterly & Annual Reports.
• Calculation of Monthly installments.
• To prepare the Schedule and Proposals according to the requirement of Clients.
• To prepare the Deviations.
• To complete the required documents of a new client.
• Case Disbursement (Car Finance & Car Lease).
• Termination of Cases.
• All insurance issues about Cars.
• Registrations of Cars.
• Month End reports and Fifteen days Reports.
• Payment of fresh insurance premium and Renewal insurance premium with IBCA, Sheets and letters.
• Provisioning and accrual posting.
• Legal Documentation.
• Interaction with dealers.
• MIS of Insurance
• MIS of Disbursement cases
• MIS of Registrations
• MIS of acknowledgements
• To provide protocol to clients.
• To act as an front liner trouble shooter to solve all the problems related to the costumers.
• To provide internal marketing and external communication
• To conduct different survey for costumers feedback.

• Sales Evaluation
• Sales and Stock reports for management review
• Expired Stock evaluation with sub distributors
• Daily activity report
• Review of Institutional sales
• Letters to Institutions and sub distributors
• Feed back to field force
• Compiling the primary and secondary sales on weekly and monthly biases
• Sales and Stock analysis by graphically and value wise
• Budgeting of products