Sultan Thwaib

► Reporting to the Branch Manager.
► current role summarize of Acting branch operations manager.
►Check tellers postings and entries in and out suspense through daily following for all tellers transactions and daily jacket - journals carried out by tellers, to make sure that it have been done, checked, initialed and filed as per the bank standards, along with bank policies and procedures, and Monitor of daily transactions ticket bundles, to ensure that were filed by the assigned staff without any delay . review the detailed transaction journal entries to the daily vouchers/cheques and tickets, to ensure that all entries posted / recorded are adequately supported for valid transactions and recorded correctly as to the amount and descriptions, and Any discrepancy identified would be immediately reported to Branch Manager and Branches Operational risk unit in the H.O .
►Cash management by monitoring and review cash balances and limits on vault, tellers box and ATM's, to ensure that the optimum cash balance is maintained at all times with free operational risk.
► Going through a daily basis follow-up for Clearance and Reconciliation as main operations duties, and ensure that outward clearing, inward clearing and inward return timely delivered, and Follow up with other departments on regular basis to ensure that branch operations functioning properly, and report any incidents to the concerned department; IT, Reconciliations, operational risk unit …etc to stand on and resolve any outstanding operations issues efficiently.
► Handle the responsibility of Response at all branch operations queries by the internal / External audit .
► Ensure all Tellers transactions and other routine processing to be done as per the bank operating Policies & Procedure and all transactions were carried out with full respect to Compliance & Money Laundering Standards and other regulatory requirements.
►Approve on outward cheques on ECC system.
►Takeover of daily operation of feeding ATM's machines and replenishment of cash on cassettes, and ensure of matching ATM's cash balance with system records.
►Make sure of internal control policies and procedures are in place at all times in the branch's whole operations and transactions, through staff direct supervision and periodic reporting manner to the branch manager and operational risk unit in H.O such as :
- EOD reports; new open accounts, dormant accounts transactions, broken TD report, rejected cheques report and large amounts transactions report …etc. and report any breaches/notes to the next reporting levels.
- EOM reports;postdated cheques , cash balances in main vault and ATM's and reporting any breaches/notes to the next reporting/escalation levels.
► Review and authorize all documents pertaining to New Account opening, Remittances, Time-deposits (TD).. etc. before sending to the centralized processing units at H.O. .
► Co-ordinate with outsourced service providers .
► Co-ordinate with centralized units at H.O regarding day-to-day branch operations.
► Responsible for control over safe-keeping of security items; demand drafts, branch cheques, bank stamps, keys…etc.
► Authorize transactions above Tellers limits according to the bank standards within the approved Head Teller / branch operations manager authorities, and make necessary correctness for staff performance, through efficient supervision on the timely delivery of quality service to increase the customers satisfaction in regard of bank transactions operations processing.
► Undertake Performance Management responsibilities for a staff of “4” tellers and operations officers.
► Sound knowledge of all aspects of general banking services and products, Retail Operations, Credit Operations including deposit& lending products inspection, SME, Corporate, Finance, Treasury, Compliance & MLRO and Audit .
► Assist the Branch Manager at any other duties, operations management and responsibilities.

► Reporting to the Branch Manager.
►Check tellers postings and entries in and out suspense through daily following for all tellers transactions and daily jacket - journals carried out by tellers, to make sure that it have been done, checked, initialed and filed as per the bank standards, along with bank policies and procedures, and Monitor of daily transactions ticket bundles, to ensure that were filed by the assigned staff without any delay . review the detailed transaction journal entries to the daily vouchers/cheques and tickets, to ensure that all entries posted / recorded are adequately supported for valid transactions and recorded correctly as to the amount and descriptions, and Any discrepancy identified would be immediately reported to Branch Manager and Branches Operational risk unit in the H.O .
►Cash management by monitoring and review cash balances and limits on vault, tellers box and ATM's, to ensure that the optimum cash balance is maintained at all times with free operational risk.
► Going through a daily basis follow-up for Clearance and Reconciliation as main operations duties, and ensure that outward clearing, inward clearing and inward return timely delivered, and Follow up with other departments on regular basis to ensure that branch operations functioning properly, and report any incidents to the concerned department; IT, Reconciliations, operational risk unit …etc to stand on and resolve any outstanding operations issues efficiently.
► Handle the responsibility of Response at all branch operations queries by the internal / External audit .
► Ensure all Tellers transactions and other routine processing to be done as per the bank operating Policies & Procedure and all transactions were carried out with full respect to Compliance & Money Laundering Standards and other regulatory requirements.
►Approve on outward cheques on ECC system.
►Takeover of daily operation of feeding ATM's machines and replenishment of cash on cassettes, and ensure of matching ATM's cash balance with system records.
►Make sure of internal control policies and procedures are in place at all times in the branch's whole operations and transactions, through staff direct supervision and periodic reporting manner to the branch manager and operational risk unit in H.O such as :
- EOD reports; new open accounts, dormant accounts transactions, broken TD report, rejected cheques report and large amounts transactions report …etc. and report any breaches/notes to the next reporting levels.
- EOM reports;postdated cheques , cash balances in main vault and ATM's and reporting any breaches/notes to the next reporting/escalation levels.
► Review and authorize all documents pertaining to New Account opening, Remittances, Time-deposits (TD).. etc. before sending to the centralized processing units at H.O. .
► Co-ordinate with outsourced service providers .
► Co-ordinate with centralized units at H.O regarding day-to-day branch operations.
► Responsible for control over safe-keeping of security items; demand drafts, branch cheques, bank stamps, keys…etc.
► Authorize transactions above Tellers limits according to the bank standards within the approved Head Teller / branch operations manager authorities, and make necessary correctness for staff performance, through efficient supervision on the timely delivery of quality service to increase the customers satisfaction in regard of bank transactions operations processing.
► Undertake Performance Management responsibilities for a staff of “4” tellers and operations officers.
► Sound knowledge of all aspects of general banking services and products, Retail Operations, Credit Operations including deposit& lending products inspection, SME, Corporate, Finance, Treasury, Compliance & MLRO and Audit .
► Beside my work as Head Teller i worked as branch MLRO (Money Laundry Reporting Officer) as well.

► Reporting to the Head Teller.
► Assist in ordering, receiving, verifying, and distributing cash.
► Process customer requests within the set target time through accept retail and commercial deposits, loan payments, process checking and account withdrawals, and ensure the correct receipt / payment of cash and accurately credit /debit the customer's account and acknowledge the receipt to the customers taking into consideration Manage priority payments, through practicing and implementation for the bank products &services standards.
► Perform all cash-counter banking transactions to meet high service standards such as cash deposits, cash withdrawals, FX transactions, issuance of BCs, DDs, cards payments …etc.
► Assist in administration of branch utilities and accounts reconciliation.
► Cash checking, Balance cash held at EOD and Replenish and reconcile ATMs.
► Bundle ATM journal and vouchers and file them on a day - to - day basis.
►Necessary control on custodian of vault, cash safe, ATM's and other security items.
►Collect cheque deposits from the drop box, process and scan through the system.
► Safe-keeping for branch main and temporary key registers.
► Promotes the banks products and services, and represent the Bank in a manner that maintains and expands positive relations with all customers, potential customers and co-workers, on other side, educate and encourage customers to avail of alternate service delivery channels provided by the bank, in addition to answer customer queries, and refer customers to the proper service area for issues that cannot be resolved at the teller line.
►Ensure strict adherence to laid down procedures to avoid delay, errors, irregularities and risks to improve service quality on continuous basis to support the Bank's quality initiatives and to improve customer satisfaction, along with Adherence to policies and procedures to ensure compliance to the same at all times. This includes compliance to AML and counterfeit note policies and procedures.
► Print reports and distribute to concerned staff/branch supervisors and handle filing.
► Take initiative to deliver satisfying customer service toward each visiting customer by providing fast, accurate, efficient and courteous service.
► Sell and buy foreign currencies notes, issue DDs (demand drafts) and exchange currencies by observing the procedures such as identification of the customer, authenticity of the draft, applying the approved exchange rate etc. to protect the interest of the customers and the Bank
► Handle customer queries, complaints and do best efforts to resolve it as first counter level, and ensure customers & staff accounts privacy and confidentiality.
► Work within the empowerment and authorizations matrix.
► Daily reporting EOD reporting .
► Cash Opening Controls
►ATM Replenishment
► Captured Cards
► Update FX Rate Board
► Deposits/Withdrawals Transaction Processing
► adherence to Clean Desk Policy
►adherence to Information Security principles
►EOD Functions with teller trax-error free.

►I had started with the company as FX Dealer and then I had promoted to be Chief Dealer in the dealing room - FX Desk at same company .
►Monitor customers market orders -buy and sell -executed by FX dealers , and assist in the dealing process at any time.
►Handle operations procedures of Meta trader, FXSOL, FXCM platforms, and other market makers platforms to ensure of technical and operational free -errors environment .
►Responsible for FX products across the spot markets
►Maximize Profit and Minimize risk within acceptability through, Market Making, Trading within approved limits , policies & procedures.
►Provide financial markets analysis to corporate customers on daily basis, Fundamental analysis & Technical analysis
►Marketing for Forex market and meet with prime customers when requested.
►Supervision and ensure of Maintaining deal record (Blotter) and P&L reporting on a daily basis.
►Maintain close relationships with other firms in order to support business in this business area.
►Keep up-to-date with interest rates movements and currency fluctuations internationally through studying international economic indicators and day-to-day markets monitoring…etc.
►Build key relationships by meeting with Institutions overseas "Market Makers, Introducing Brokers".
►Assist in building the FX desk budget and P&L revenues predictions.
►Comply with internal and external regulatory requirements
►Trading & risk manage a portfolio of MENA Spot & Forward FX, including Long Tenor FX.
► Manage a portfolio of Foreign currencies and sometimes other capital market instruments.
►Resolve settlement issues, check limits, responsibility and accountability on FX Desk revenues.
► Interact and communicate regularly with Sales, Traders& other support functions to resolve issues/grow the business.
►Analyze P&L on daily/monthly basis to Keep management informed of P&L, risk, flows, issues.
► Improve team knowledge on related financial markets/products.
►Enhance communication with Sales to offer Clients better products and services.
► Ensure adherence to all external/internal regulations & limits by staff.
►Maintain and enhance the Company image in the market.
►Enhance and grow our E-Trading FX services and products.
►Provide clients with best service, pricing and execution professionally.
►Develop junior FX Dealers, and hold Forex training courses for new customers and new staff.
►Maintain and ensure of code of dealing ethics and conduct are in place at all times, to achieve FX Desk targets along with the commitment of the profession standards.