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Job Purpose
- To assist in managing daily branch operational activity, monitoring compliance, and regulatory requirements in accordance with the Bank's internal policy and regulatory requirements.
- 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 targets.
Accountabilities
Financial
- To assist in referral and cross-selling of deposits/investment/Bancassurance/Banca Takaful products & cross-selling activities towards achieving branch targets.
- Prevention of Fraud and Losses (internal and external).
- To effectively control and monitor costs as per approved budget.
- Achieve branch Transactional Fee based income target as given.
- Achieve branch Lead Generation Fee Based Income target as given.
Process
- Onboarding of account opening, customer’s enquiries & customer’s request for change of personal details in compliance with onboarding 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, main/primary custodian for cash in vault, cash deposit terminal and ATM including check and authorizing ATM Daily Summary Book.
- Monitoring of ATM for any discrepancies, ATM card stock, security items i.e. passbook, BC, maintenance of cheque book register, stamp on hand and other security items assigned by ABM/BM.
- Check and review error correction and checking of daily vouchers.
- To verify overall cash balancing, related critical reports and cheque confirmation.
- Processing of daily Incheqs/OCS cheque as per procedures and guidelines.
- Protect the assets of the branch and ensure its proper outlook (internal and external).
- Ensure that your branch back-up power supply is available at all 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 complies in accordance with Branch Manual, BNM regulation and other statutory regulations with maximum efficiency.
- Ensure proper dual internal control and efficiency are maintained and to discharge 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.
- Check & review error correction.
- Checking of daily vouchers.
- 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 premises.
- Electrical and mechanical appliances in working order and neatly displayed.
- Maintain branch cleanliness and promote a conducive environment for both customers and staff.
- Responsible for management of IT/Non-IT Asset/Fixed Assets.
- Conduct physical checks (done a minimum of 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.
- Reporting of Suspicious Transaction.
- Responsible for the renewal of all contracts and licenses.
Customer
- Ensure an efficient customer service level in order to meet SLA as well as to alleviate any customer’s complaint.
- Ensure accuracy and error-free in service delivery.
- Handle customer complaint and resolution within SLA.
- To manage the Safe Deposit Box facilities for all customer accounts.
- To ensure data key in the CIF is accurate.
- To manage the branch staff and facilities appearance in line with the Bank’s standard.
- Provide transaction/support activities for all customer accounts.
- Provide ongoing account maintenance support.
- Provide financial services information.
- Solve customer inquiries promptly.
- Monitor and support the collection and maintenance of high-quality customer information.
- To process the following:
- Cheque book requisition.
- CASA maintenance.
- Documents for Account Services.
- Request for Audit Confirmation to Credit Administration.
- To observe deadlines on ad-hoc assignments.
People
- Resource management i.e. annual leave / attendance / branch meeting.
- Provide well-managed, competent / customer-oriented staff.
- Staff development i.e. Structured on the job Training (SOJT) / coaching/mentoring / appraisals.
Corporate Social Responsibility
- Social Commitment activities involvement.
Other Responsibilities
- Relief duties- ABM/BM.
- To administer other operational support functions.
- To manage and undertake ad-hoc assignments assigned by management from time to time.
- Main holder to Vault & Self Service Machines.
Learning & Growth
- To involve and contribute to any special project organized by the branch.
- Attend training on compliance, regulatory, product knowledge, customer services, and personal development and growth.
- To incorporate AFFINBANK’s DNA to all staff in the branch and uphold team work spirit.