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Job Description
JOB PURPOSE
Responsible for managing daily branch operational activity, monitoring compliance, and AMLA in accordance to the Bank`s internal policy and regulatory requirement. Ensuring the highest quality customer experience through customer service and image enhancement opportunities. To assist in referral and cross selling of deposits/investment/insurance/ Wealth /Takaful products & cross selling activities towards achieving branch target.
Accountabilities
- Financial
- To assist in referral and cross selling of deposits / investment / Bancassurance / Banca Takaful / credit cards & cross selling activities towards achieving branch target.
- Prevention of Fraud and Losses (internal and external).
- To effectively control and monitor cost as per approved budget.
- Achieve branch Transactional Fee based income target as given.
- Achieve branch Lead Generation Fee Based Income target as given.
- Process
- Approve and check for onboarding of account opening, customer's enquiries & customer's request for change of personal details in compliance to on boarding process and policy - SA/CA/FD/SDB/ATM/RIB/CIB etc
- Ensure adherence to compliance on FSA/IFSA, PDPA,FEA,FATCA,CSR,PCT, AMLA-Transaction monitoring, AML Alerts, CDD and ECDD,
- Manage cash holding efficiently, joint custodian for cash in Vault, Cash Deposit Terminal (CDT) and ATM including checking and authorizing ATM Daily Summary Book.
- Monitoring ATM balancing, ATM card stock, security items i.e. passbook, BC, maintenance of cheque book register, stamp on hand and other security items.
- To verify overall cash balancing and verify/check related critical reports.
- Protect the assets of branch and ensure its proper outlook (internal and external).
- Ensure that your branch back-up power supply is available at all the times. i.e gen- set serviced regularly
- To monitor GL entries e.g sundry, deferred accounts, etc and ensure the timely reversal.
- Ensure that every subordinate comply in accordance with Branch Manual, BNM regulation and other statutory regulation with maximum efficiency.
- Ensure proper dual internal control and efficiency are maintained and that subordinates discharge their duties in accordance with procedures to prevent fraud and losses.
- Ensure satisfactory audit rating and issues raised are resolved within specified time frame.
- Ensure timely submission of reports.
- To verify Incheqs/OCS cheque as per procedures and guidelines.
- Check & review error correction.
- Checking of daily vouchers.
- To authorize branch stationery request.
- Security & Maintenance Coordinator
- Digital Video Recorder (DVD) & Close Circuit Television (CCTV)
- Maintain the upkeep and storage of telephone recorder
- Verify clear image is displayed on CCTV monitor
- DVR is in working condition & sufficient space for recording
- Alarm Monitoring
- Responsible for alarm testing once a month
- Managing Security Personnel
- To ensure verification of third-party vendors accessing the premise
- Electrical and mechanical appliances in working order and neatly displayed
- Maintain branch cleanliness and promote conducive environment for both customers and staff
- Responsible for Management of IT/Non-IT Asset/Fixed Assets
- Conduct physical check (done minimum twice yearly i.e April & Oct) and balance against fixed and IT assets listing
- Recommend for write off of assets with written down book value
- Others -Storage and Archival Coordinator
- Stationeries are systematically arranged, and quantity is not excessive
- Relevant pages/documents of account opening, and vouchers are kept in a locked environment
- Documents and vouchers are sent to external storage as per the holding period specified in the Storage and Archival Manual
- Ensure timely reporting of any lapses via Oprisk System within timeline.
- Ensure timely submission of Loss Data, Monthly, Quarterly, Half Yearly reporting of Key Risk Indicator and Risk Control Self-Assessment to Head Office.
- Act as Branch Operation Risk Coordinator for implementation of Operational Risk Management and Methodologies.
- Reporting of Suspicious Transaction.
- Monitoring for the renewal of all contracts and licenses.
- Customer
- Ensure efficient customer service level to meet SLA as well as to alleviate any customer's complaint.
- Ensure timely reply to customer and CCQ.
- Ensure to resolve any complaints within SLA
- Ensure accuracy in service delivery.
- Attend to complains immediately and adhere to complaints escalation procedures.
- People
- Resource management i.e. annual leave / attendance / branch meeting.
- Provide briefing on circulars from HQ
- Manage competent and customer-oriented staff
- Staff development including Structure on the Job Training (SOJT) / coaching / appraisals
- Ensure knowledge and understanding of respective KPIs among all staff
- Track own and staff's performance.
- Other Responsibilities
- To ensure cleanliness of the bank's premise & SSL area
- Perform Relief BM duties as and when required or during BM absence.
- To manage and undertake ad-hoc assignments assigned by Management from time to time.
- Key holder to Vault & Self-Service Machines.
- Social commitment activities involvement (CSR).
