Personal Banking Officer
Barwa Bank
Total years of experience :17 years, 2 Months
▪ Identify new potential HNW customers and work with them to build a relationship with the goal of managing their wealth.
▪ Proactively advise and consult with the clients, explaining the types of financial services available, educating them about investment options and potential risks and recommending investments.
▪ Monitor closely the performance of client’s accounts, to ensure that the accounts are behaving positively and meeting the client’s needs.
▪ Awareness of the client’s goals, income and spending to manage their portfolio.
-Assist in implementing the branch strategy with regards to sales, customer service experience and market presence.
-Maintain entire secrecy and confidentiality to all customers’ accounts.
-Ensure any changes/ modifications to the processes and policies made by Head Office are timely and properly implemented and the staffs are trained updated.
-Assist in the distribution of branch target over the staff.
-Provide solutions for sales and operational gaps.
-Regular feedback of target achievements.
-After sales services for all customers.
-Maintain relationships with existing customers in order to strengthen the business relationship.
-Managing new clients.
-Improving the overall customer relationship, delivering reliable administrative support and customer service.
-Ensuring products developed are utilized by clients.
-Implementing policies, procedures and controls covering all areas of retail banking service activities so that all relevant procedural/ legislative requirements are fulfilled while delivering a quality, cost effective service to customers.
-Acquiring new business to the bank.
-Assist customers in all basic enquiries and requests.
-Prepare a list of all prospective clients.
-Supervise the preparation of timely and accurate reports to meet the branch requirements, policies and standards.
-Lead the carrying out of branch cash and other teller-related transactions in a timely and efficient manner to facilitate the achievement of pre-approved branch targets.
-Ensure through the existence of adequate controls that instances of cash shortages/ misappropriations are avoided.
-Ensure customer satisfaction at all times, and resolves customer complaints timely and effectively.
-Help in the internal audit in the branch (reviewing C/S daily activities).
-Contributing to the development of new products and services.
-Enhance the staff to keep self-control.
-Cross Selling of the bank products over the counter.
-Understand, Implement and stay updated on internal standard operating procedures as well as QCB regulations.
-Ensure all AML Policies and Procedures are being met.
-Provide timely and accurate information to the external and internal auditors and the
Compliance function as and when required.
-Manage counter loads by assessing the over the counter situation and distribute the load accordingly to reduce customer waiting periods.
-Oversee all transactions processed within tellers' area and ensure safe custody of cash/ other valuables.
-Ensure that tellers process transactions (cash, checks, remittance requests, utility bills, etc.) in compliance with the approved policies, procedures, and applicable regulatory guidelines.
-Authorize transactions that exceed the individual teller’s authority but are within the authority delegated to the incumbent.
-Authorize issuance of demand drafts/ managers checks within the limits of the authority delegated to the incumbent.
-Coordinate with the vault operations department employees for the transportation of cash to/ from central vault to ensure timely availability of cash at all times while at the same time avoiding excess cash holdings. Oversee cash transfers from/to Tellers, branch vault, and ATMs.
-Review tellers’ end of day reports against the source documents to ensure accuracy and completeness of processing.
-Conduct counts of the cash/ other valuables in the vault against the documentary records. Resolve instances of excess/ short cash noted in accordance with the approved policies and procedures.
-Ensure all the Teller’s have clear objective and assist in their annual appraisals with the branch management.
-Monitor and review the branch’s security procedures and control access to vault.
-Reviewing the daily transactions for mitigating risks.
-Responsible for settling of all suspense and general ledgers accounts within the branch on daily basis.
-Preparing/Verifying the swift message MT103/202/199/999 to be approved.
Lead the carrying out of branch cash and other teller-related transactions in a timely and efficient manner to facilitate the achievement of pre-approved branch targets.
Ensure through the existence of adequate controls that instances of cash shortages/ misappropriations are avoided.
Ensure customer satisfaction at all times, and resolves customer complaints timely and effectively.
Manage counter loads by assessing the over the counter situation and distribute the load accordingly to reduce customer waiting periods.
Oversee all transactions processed within tellers' area and ensure safe custody of cash/ other valuables.
Ensure that tellers process transactions (cash, checks, remittance requests, utility bills, etc.) in compliance with the approved policies, procedures, and applicable regulatory guidelines.
Authorize transactions that exceed the individual teller’s authority but are within the authority delegated to the incumbent.
Authorize issuance of demand drafts/ managers checks within the limits of the authority delegated to the incumbent.
Coordinate with the vault operations department employees for the transportation of cash to/ from central vault to ensure timely availability of cash at all times while at the same time avoiding excess cash holdings. Oversee cash transfers from/to Tellers, branch vault, and ATMs.
Review tellers’ end of day reports against the source documents to ensure accuracy and completeness of processing.
Conduct counts of the cash/ other valuables in the vault against the documentary records. Resolve instances of excess/ short cash noted in accordance with the approved policies and procedures.
Monitor and review the branch’s security procedures and control access to vault.
Help in the internal audit in the branch (reviewing C/S daily activities).
Enhance the staff to keep self-control.
Reviewing the daily transactions for mitigating risks.
Responsible for settling of all suspense and general ledgers accounts within the branch on daily basis.
Provide timely and accurate information to the external and internal auditors and the
Compliance function as and when required.
Preparing/Verifying the swift message MT103/202/199/999 to be approved.
Part of the team that initiated and developed the Document Management System (DMS) for out going transfers.
ICAN Transformation Program
Responsible for Organizing and Testing (UAT) all Branch operations duties (Operation Head-Head Teller-Teller) on T24 Temonus for the Data Migration.
Responsible for after branch support after Go Live (T24).
Responsible for the review and amendment of branches SOP’s with the Retail Management.
Map and design workflows, components & customer touch points.
Training of Branches staff on re-engineered process.
Defect Management: Lead Bank’s Business users team involved in UAT.
Project Lead for Arabization Process: Assisted in developing front end screens, versions, menus, enquiries and reports in Arabic Language for Branch Banking users.
Responsible for preparing and organizing all branches scenarios for DR1, 2 and 3 before Go Live.
Responsible for the design and layout for all Scenarios in Teller Financial Services Guide and the assistance in the Customer Service Guide for the branches support Post Go-Live.
-Receiving Deposits, Cashing Cheques, Saving Withdrawals, and ATM Functions and Cross selling of bank products.
-Handling the Foreign exchange transactions.
-Ensure ATM replenishment.
-Reconciliation of daily clearing payments and settlement with the head office and the Central bank of Qatar.
-Preparing/verifying the swift message MT103/202/199/999 to be approved.
-Ensure performing teller functions in a timely and accurate manner to meet the customer needs.
-Control and Balance daily activities.
-Handling all PDC (Post Dated Cheques) on daily manner.
-Responsible for all outgoing transfers.
-Issuing letter to customers.
-Issuing ATM cards and pin numbers.
-Add, break and withdraw Islamic time deposits.
-Provide friendly, courteous, professional customer service experience.
-Identify customer needs and cross sells opportunities and meets referral goals.
-Perform all teller transactions promptly, efficiently, effectively and accurately.
-Perform other duties as assigned.
Cross-sell CIB & Sister Companies’ products.
- Report the uncommon problems and transactions to the higher level with suggested solution and customer needs as well.
- Introduce “Superior Quality Service” and solving customers’ problems immediately.
- Conduct regular market survey, evaluation and analysis for products developments.
- Establish wide relationship and create awareness of CIB products.
- Maintain good relationship with key organizations and their employees by providing personalized services and by being accessible.
- Notify customers of new products and services and keep smooth channel of communication by attracting, maintaining and serving customers also handle customer complains.
Verify daily transactions & accounts up to finalization.
Prepare Bank Reconciliations.
Prepare daily bank position with expected cash flow.
Prepare monthly reconciled sales report for various projects.
Assisting in preparing monthly financial statement.
Coordinate with external auditors & internal for closing accounts.
courses: Certified Treasury Professional. (Self-Study) CFA Work in Progress Self Study Training & Seminars Advanced Level of Customer Service. (QIB) Business Continuity Awareness. (QIB) AML/Combating Terrorism Financing Awareness Course May 2012 (85%) (QIB) Marketing Skills. (CIB) Credit Card Intensive Course. (CIB) Loan Sales (Personal, Auto & Mortgage). (CIB) IDC’s, LG’s, & LC’s. (CIB)