Account Services Officer - Nighshift

Salmon Group Ltd; Pasacao; On-site; PHP 279,000 - 469,000; Full time

Job summary

Salmon Group Ltd is seeking a banking operations professional to support customer onboarding, KYC checks, and account openings in the Core Banking System. You will verify identities, maintain customer data, and prepare end-of-day reports while handling customer inquiries at the branch.

The role requires a banking/finance degree and at least 3 years of banking experience, with good knowledge of BSP regulations and strong communication skills.

Qualifications

• University degree in Banking & Finance or related Business Course.
• At least 3 years of banking industry experience.
• Strong knowledge of BSP regulations.
• Good communication skills.
• Problem-solving skills in a structured manner.
• Ability to work with diverse cultures.
• Independent worker with minimal supervision.
• Risk management awareness.
• Good interpersonal skills.
• Keen attention to details.
• Organized, innovative and results oriented.
• Ability to multi-task in a fast-paced environment.
• Positive attitude and proactive.
• KYC / CDD training or seminars attended.

Responsibilities

• Customer onboarding and account opening in Core Banking System.
• Conduct customer due diligence and KYC, verify identity documents.
• Validate customer information on formal account opening documents.
• Signature verification and safekeeping of identity documents.
• Open accounts and secure necessary approvals.
• Process passbooks, chequebooks, and time deposits as applicable.
• Generate end-of-day reports and submit to Service Delivery Head.
• Respond to customer inquiries via email and in-branch.
• Maintain customer account data and support periodic profile reviews.
• Respond to issues raising through UAT/UVT and BC Plans.
• Assist in AML processes and regulatory compliance.

Education

University degree on Banking & Finance, or any related Business Course

Job description

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.