Associate, Branch Health Check Reviewer, Consumer Banking Group

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Job Description

Job Purpose

Conduct surveillance checks at consumer bank branches to assess compliance to Regional Branch Health Check framework and Branch Operational Framework.

Key Accountabilities

To conduct onsite and offsite control testing of branch controls covering all branch activities.
The role involves extensive travel to DBIL branches across country, including rural location for timely completion of the audit reviews assigned from time to time
Minimum 10 branches need to be audited per quarter covering :190 controls ( subject to changes in process, controls and regulatory guideline changes)
To coordinate and review self-assessment reports submitted by branches.
Ensure all the artefacts are uploaded in share point post validation , open issues are followed up for remediation.
Performing Quality Checking of BHC Draft Result issued by Reviewer.
Preparing various MIS which includes, Internal MIS and preparation of data for various meetings.
Provide value-added training programs to enhance staff's competency in the areas of branch operations, information security standards and staff conduct
Participate in performance of Thematic reviews as and when assigned.

Job Duties & Responsibilities

Perform Branch surveillance through conducting inspections and thematic reviews to assess fulfilment with established procedures / requirements:
Identify control risks, gaps in controls and potential branch operational issues and recommend corrective action to strengthen the branch operational framework, controls, and management.
Assess branch operational activities are performed in compliance with framework and guidelines.
Develop risk-based strategies and surveillance programs based on insights and trends derived through analysis of data.
Provide timely reporting on surveillance findings and trends to relevant stakeholders.
Analyse surveillance findings, identify risks/gaps in processes and controls to provide improvement and recommendations to relevant stakeholders.
Develop and implement methodology to be efficient and effective.
Conduct workshop / refresher classes – to increase level of awareness of control / risks.
Partnership with stakeholders to strengthen communication and identify opportunities to enhance or refine controls. Curate eLearning training modules to enhance risk awareness and process adherence of Branch/Service staff across all levels. Ensure timely update of training modules.

Quality of inspection

Complete physical inspection of Branches within the allocated time ( 4-5 days per branch visit)
Submission of good quality inspection report within stipulated time

Remediation

Spot rectification of Inspection observations & comments/violations; as well as liaising with branches subsequently for rectification
Providing suggestive corrective measures as well as improvement in systems & procedures.

Experience

The job holder should have experience in the banking industry with good understanding of all consumer banking products. Must have exposure to Branch Banking / Operations / Central Processing Centers / Audit & Risk Teams.

Education / Preferred Qualifications

The job holder needs to be at least a Graduate, preferably in the Commerce stream. CAIIB or equivalent qualifications will be beneficial/preferred. Knowledge and experience with MS Office and Core Banking Systems will be a basic requirement.

Core Competencies

The job holder needs to possess the following skills:

Job Knowledge:

The job holder needs to have thorough knowledge of Branch operations and customer service guidelines and past experience in managing branch function will be added advantage.
Should have a keen eye for detail and passion to perform branch audits.

Organising Skills: