Account Services Officer - Nighshift

Salmon Group Ltd; Pasacao; On-site; PHP 360,000 - 480,000; Full time

Job summary

Salmon Group Ltd is seeking an Account Services Officer to manage customer onboarding, KYC, and account setup in the Core Banking System (CBS). You will verify IDs, process documentation, and coordinate with branches to ensure accurate customer profiles and timely approvals.

Responsibilities include handling customer inquiries by email, managing account documentation, and ensuring compliance with BSP, AMLC, PDIC, and BIR regulations.

Qualifications

• University degree in Banking & Finance or related Business.
• At least 3 years of relevant experience in banking or financial services.
• Strong knowledge of teller services or branch operations.
• Familiarity with BSP, AMLC, PDIC, BIR regulatory requirements.

Responsibilities

• Onboard customers and conduct KYC for new accounts.
• Validate identity documents and information accuracy.
• Open accounts in the Core Banking System (CBS) and obtain approvals.
• Issue and handle debit/chequebooks and related materials.
• Respond to customer inquiries and resolve complaints.
• Ensure compliance with BSP, AMLC, PDIC, BIR and other regulations.

Skills

KYC knowledge

Customer due diligence

Regulatory compliance

Attention to detail

Communication skills

Fraud awareness

Education

University degree in Banking & Finance or related Business

Tools

Core Banking System (CBS)

Job description

• Conducts customer due diligence and KYC (know-your-customer)
• Checks the legitimacy of the proof of identity and escalates immediately if suspected counterfeit or suspicious.
• Validates the completeness and accuracy of customer information on the customer information sheet/account opening form.
• Conducts signature verification.
• Photocopies the proof of identity and files it together with the account opening form.
• Creates the customer profile and opens the account in the Core Banking System (CBS)
• Secures appropriate approval for the creation completed.
• Releases passbook / chequebook / Time Deposit Certificate, as applicable, depending on the product availed by the customer.
• Scans the Account Opening Document Set.
• End-Of-Day (EOD) generation of report of all accounts opened and submits EOD report to the Service Delivery Head.
• Customer Information Update – validation of customer documents presented to support the update if customer-initiated request or performs update of customer profile as part of the periodic review.
• Conducts Enhanced Due Diligence as necessary.
• Maintains Customer’s Account in the system based on customer’s request or bank-initiated activities.
• Preparation of Customer Notifications and monitor its delivery status.
• Fire-Proof Cabinet / Vault Custodianship
• Safekeeps accountable forms and records the utilization of accountable forms.
• Safekeeping of Account Opening Documents, together with the proof of deposit, in a secured and organized manner during the branch banking hours.
• Act as dual custodian to safekeep or release the cheques received in a fire-proof cabinet/vault for deposit to the Depository Bank by the Teller.
• Customer Interaction such as but not limited to:
• Attends to customer queries at the branch.
• Responds to Customer Inquiry via email.
• Resolves customer complaint.
• Call-out (TD Maturity, Bounced Cheques, etc.)
• Release and Monitoring of Bounced Cheques Pick up and/or Replacement
• Release of Debit Cards to Customers and Tagging in the System
• Blocking of Card – Lost / Stolen
• Destruction of aged card
• All files shall be safekept in the designated filing cabinet and shall be within the retention period.
• Ensure completion of tasks assigned within the agreed turnaround-time.
• Other processes that may arise related to Account Services.
• Timely reports concerns identified and possible issues that might have impact to branch operations.
• Acts as reliever when somebody goes on leave based on the relief arrangement within the team.
• Organizes team files (soft and hard copy) and adheres to the record retention policy.
• Identifies processes/systems for improvement but ensuring controls are in place.
• Initiates projects for the betterment of the team and the company as a whole.
• Participates on UAT/UVT for new or enhancement of systems that will have impact to the team.
• Participates in Business Continuity Plan (BCP) Activities.
• Prompt identification and escalation of issues noted and propose resolution to the immediate supervisor.
• Performs tasks that maybe assigned from time to time other than the basic responsibilities listed above.
• Assists in combatting money laundering by ensuring processes required are in place.
• Complies with regulatory requirements like BSP, AMLC, PDIC, BIR and other governing bodies.
• Strict adherence to company’s policies and code of conduct.

Duties And Responsibilities

• Customer Onboarding
• Conducts customer due diligence and KYC (know-your-customer)
• Checks the legitimacy of the proof of identity and escalates immediately if suspected counterfeit or suspicious.
• Validates the completeness and accuracy of customer information on the customer information sheet/account opening form.
• Conducts signature verification.
• Photocopies the proof of identity and files it together with the account opening form.
• Creates the customer profile and opens the account in the Core Banking System (CBS)
• Secures appropriate approval for the creation completed.
• Releases passbook / chequebook / Time Deposit Certificate, as applicable, depending on the product availed by the customer.
• Scans the Account Opening Document Set.
• End-Of-Day (EOD) generation of report of all accounts opened and submits EOD report to the Service Delivery Head.
• Customer Information Update – validation of customer documents presented to support the update if customer-initiated request or performs update of customer profile as part of the periodic review.
• Conducts Enhanced Due Diligence as necessary.
• Maintains Customer’s Account in the system based on customer’s request or bank-initiated activities.
• Preparation of Customer Notifications and monitor its delivery status.
• Fire-Proof Cabinet / Vault Custodianship
• Safekeeps accountable forms and records the utilization of accountable forms.
• Safekeeping of Account Opening Documents, together with the proof of deposit, in a secured and organized manner during the branch banking hours.
• Act as dual custodian to safekeep or release the cheques received in a fire-proof cabinet/vault for deposit to the Depository Bank by the Teller.
• Customer Interaction such as but not limited to:
• Attends to customer queries at the branch.
• Responds to Customer Inquiry via email.
• Resolves customer complaint.
• Call-out (TD Maturity, Bounced Cheques, etc.)
• Release and Monitoring of Bounced Cheques Pick up and/or Replacement
• Debit Cards Handling
• Release of Debit Cards to Customers and Tagging in the System
• Blocking of Card – Lost / Stolen
• Destruction of aged card
• All files shall be safekept in the designated filing cabinet and shall be within the retention period.
• Ensure completion of tasks assigned within the agreed turnaround-time.
• Other processes that may arise related to Account Services.
• Timely reports concerns identified and possible issues that might have impact to branch operations.
• Acts as reliever when somebody goes on leave based on the relief arrangement within the team.
• Organizes team files (soft and hard copy) and adheres to the record retention policy.
• Identifies processes/systems for improvement but ensuring controls are in place.
• Initiates projects for the betterment of the team and the company as a whole.
• Participates on UAT/UVT for new or enhancement of systems that will have impact to the team.
• Participates in Business Continuity Plan (BCP) Activities.
• Prompt identification and escalation of issues noted and propose resolution to the immediate supervisor.
• Performs tasks that maybe assigned from time to time other than the basic responsibilities listed above.
• Assists in combatting money laundering by ensuring processes required are in place.
• Complies with regulatory requirements like BSP, AMLC, PDIC, BIR and other governing bodies.
• Strict adherence to company’s policies and code of conduct.

EDUCATION & COMPETENCIES

• University degree on Banking & Finance, or any related Business Course
• With at least 3 years of relevant experience in a banking industry
• Strong knowledge and experience in teller services or branch operations
• Sufficient knowledge of BSP regulations
• Good communication skills
• Problem-solving skills in a well-structured manner
• Ability to work with different culture, race, or ethnic group.
• Can work independently with minimal supervision.
• Acceptable risk management skills and ability to mitigate identified risks.
• Good interpersonal skills
• Keen attention to details
• Organize, innovative and results oriented.
• Ability to multi-task in a fast-paced environment
• Positive attitude knows how to find ways to address different circumstances.
• With official Signature Verification, KYC / CDD Training / Seminars attended.