JAICO MANALIL

• Manage and handle the cash /cheque transactions at the teller counter and ensure the delivery of quality service to customers while adhering to operational controls and avoiding cash excess and shortages
• Achieve assigned product sales targets.
• Meet transaction processing standards and maintain high level of customer service standards.
• Process cash transactions (Deposits / Withdrawals) in both local and foreign currency and ensure that cash is balanced at the end of the day.
• Issue Demand Draft, Telex Transfer, western Union and Instant Cash to clients.
• To perform the system start of Day functions and End of Day functions.
• NRE /NRO A/C opening.
• Corporate A/C opening.
• Selling and Buying Foreign Currencies
• Dealing with Corporate and High Net worth Customers.
• Dealing with Exchange Houses and Banks
• Understand the customer needs and requirements and cross sell the products to customer.
• Transfer the LC and FC funds to Operation Departments.
• Overlooking customer Services and day end tallying of DD/TT/WESTERN UNION/CREDIT CARD CASH ADVANCES.
• Ensure that all the transactions are done in compliance with AML policies set by companies and central bank as well.
• Attending customer enquiries and ensuring customer satisfaction.
• Coordinating with back office and other departments for the smooth function of the branch.
• Acceptance of the miscellaneous products.
• Liaise with various departments within the branch and resolve queries and problems.
• Retain customers through complaint resolution and other enquiries in coordination with complaints unit.
• Send all complete error applications to the respective departments.

• Manage and handle the cash /cheque transactions at the teller counter and ensure the delivery of quality service to customers while adhering to operational controls and avoiding cash excess and shortages
• Achieve assigned product sales targets.
• Meet transaction processing standards and maintain high level of customer service standards.
• Process cash transactions (Deposits / Withdrawals) in both local and foreign currency and ensure that cash is balanced at the end of the day.
• Issue Demand Draft, Telex Transfer, western Union and Instant Cash to clients.
• To perform the system start of Day functions and End of Day functions.
• NRE /NRO A/C opening.
• Corporate A/C opening.
• Selling and Buying Foreign Currencies
• Dealing with Corporate and High Net worth Customers.
• Dealing with Exchange Houses and Banks
• Understand the customer needs and requirements and cross sell the products to customer.
• Transfer the LC and FC funds to Operation Departments.
• Overlooking customer Services and day end tallying of DD/TT/WESTERN UNION/CREDIT CARD CASH ADVANCES.
• Ensure that all the transactions are done in compliance with AML policies set by companies and central bank as well.
• Attending customer enquiries and ensuring customer satisfaction.
• Coordinating with back office and other departments for the smooth function of the branch.
• Acceptance of the miscellaneous products.
• Liaise with various departments within the branch and resolve queries and problems.
• Retain customers through complaint resolution and other enquiries in coordination with complaints unit.
• Send all complete error applications to the respective departments.

Branch Operation Supervisor

• Good knowledge of finance House Activities and its procedures, Very good experience in cash Handling and physical verification of the cash & its Movements, Detailed knowledge of foreign currencies and its transactions.
• Supervise all operational aspects at counter.
• Good knowledge of Anti Money Laundering
• Expertise in cash funding and sorting of the cash for the purpose of funding. Cash transfer voucher to be checked and matched with Funding/pooling amount and the amount of funding to be informed to the destination office.
• Handling F C dealing with other branches, exchange companies, banks and corporate clients. Good cash management it involves knowing When, Where, and how your cash needs will occur.
• Responsible for day to day transaction like T C encashment
• Well experienced in Corporate Dealings &remittances. Formulate and implement different marketing strategies to improve business.
• Keep good relationships with all the customers, other related parties of the branch. The relationship with customer should be used for cross selling. Requisite details are collected from the customer.
• Affirming that all transactions are done in compliance with AML Policies set by the Company
• Forex rate setting.
• Ensure that cash management systems are adequate functional and established in accordance with top management’s recommendations.
• Handling the strength of 15 team members
• Lobby Management
• Counter related functions and cash management
• Cross selling of wealth management products
• Dealing with High Profile customers
• Give the proper reply to the customer complaints
• Give the proper training to the staffs
• Dealing with Centraloperations, Treasurydepatments, Operation Risks, Forex, Remittance operations, and Smart pay
• Regularly review customer portfolio to identify potential sales/business opportunities.
• Carry out all branch administrative tasks, ensuring all activities are completed within timescales and with a high degree of accuracy, whilst providing excellent customer service to both external and internal customer and adhering to all appropriate process and procedures.

Compliance Officer

• Execution and implementation of regulatory guidelines.
• Monitor day to day transactions.
• Educate staff on KYC standards.
• File LVT transactions.
• Verify customer registration reports.
• Verify trade transactions to other countries.
• Take instructions from compliance head on AML related issues.
• Reply to AML queries raised.
• Reply to regulatory requirements.
• Conduct due diligence on high risk countries/customers/product.
• File STR’s upon suspicious.
• Visit customer premises.
• AML audit coordination.
• Safe keeping of all the records of the branch.

Foreign Currency Cashier (Teller)

• Large volume of cash acceptance.
• Dealing with exchange houses and customers for buying and selling of foreign currencies on regular basis.
• Handling customer complaints and providing details required by them.
• Ensure accurate and timely processing of cash transactions for foreign exchange customers.
• Maintain cash balance for branch operations and ensure that currencies are secured in accordance with established procedures.
• Keeps management informed of area activities and of any significant problem time to time.
• Perform transactions in a professional manner to build customer confidence and trust.


Branch Operations:

• Remittance - Bank transfer, issuance of drafts in different currencies, instant cash transfer (Western union, Xpress money) etc.
• Cash Advance- payment of cash advance against various credit cards.
• Credit card bill payments- bill acceptance of fifteen banks’ credit cards and their loan accounts.
• Payments of Airline Tickets
• Cross Selling of Allied products

• Cash Handling
• Forecasting and disposal of cash requirements to other banks
• Co-coordinating interbank fund transfer
• Cross selling of wealth management products
• Prepare Cash book and Ledger
• Foreign currency sale and purchase
• Keep good relationships with all the customers, other related parties of the branch.