Hend Bintouq

Assistant Manager Operations at NBQ

• United Arab Emirates - Umm Al Quwain
• August 2000 to November 2016

National Bank of Umm- Al- Qaiwain
(OIC) -UAQ Branch &ladies section
Sept 2007 to 11-2016


• In charge of UAQ BR (ladies section on both Islamic & conventional sections as an (OIC). All work related to operations officers/assistant manager
• Cash handling and cash related module:
1. Cashiers properly trained and handle cash safely and secured manner.
2. Cash always balanced and as per records and suspense accounts are dealt with.
3. Cash differences are reported as per policies and recoveries are effects on time.
4. Implementation of clean note policy -segregation of solid, mutilated and cut noted from fresh notes and reissuables.
5. Rectification of audit comments on cash related functionality modules.
• Security, safety, confidentiality module:
1. Safes custody of keys, documentation of keys and handling of keys
2. Captured cards, undelivered chequs books, cards pins handling as prescribed.
3. Maintenance of proper registers and its updating to maintain security controls.
4. Risk assessment of branch related controls and its mitigation.
5. All suspense accounts and proxy types of accounts monitoring and squaring off.
• Management and supervisory module:
1. All end of day processing actions are executed promptly
2. All exceptions are overridden after due analysis with extra care.
3. All high value transactions are verified and reviewed with vouchers
4. Staff allocation, training and distribution of work among available resources.
5. Dormant, inactive, frozen, past due accounts, incident reports handling.
6. Delinquencies follow up and reporting of overdrafts, loans etc.
• Customer Service related module:
1. Prompt and accurate execution of customer service requests and clearing functions.
2. Customer complaints handling in a prompt manner.
3. Conduct customer service meetings to facilitate feedback regarding deficiencies in service /products and escalate to the management wherever warranted.
4. Handling of all business related request promptly.
5. Supporting branch manager in developing business opportunities
6. Other Monitoring and verifications as advices by branch management.