Deputy Branch and Operation Manager

Operation support officer of over 182 branches of 3 regions of KP-Cluster

Banch Manager Operations

Clearing (Normal, Intercity, Same Day, OBC) • Scrutinize, stamp/sign cheques received at branch, post to the relevant accounts and deliver to (NIFT) clearing house after balancing as per SOP.• Scrutiny and posting of inward clearing received from NIFT/clearing house.• Preparation of clearing returns and returns memos.• Maintain record of cheques returned and follow up with customer for collection of the same and or further processing as per customers’ request.• Handle customer /other bank/branches queries regarding Clearing chequesLCY Remittances• Handle local inward & outward remittances, Transfer of funds, issuance/cancellation of (Payment Order, Demand Draft, and Call Deposit Receipts) as per customer's request in accordance with statutory guidelines of SOP and SBP.• Balancing of outstanding POs, OBCs.Cheque Books• To process Customer’s request for cheque books and after completing formalities of account opening.• Maintain stock of undelivered cheque books and followup with customer.• Destruction of undelivered cheque books and at account closure as per SOP.• Marking and unmarking stop payments on customer’s request.• Maintain record of stop payent marking/unmarking.• Maintain stock of un-issued cheque books.Account opening• To process account opening, closing, editing, dormant activation/deactivation as per SOP / CAO policy.• To provide adequate information to branch and CAO regarding re-assurance documents.• To handle branch and customer queries regarding account opening policy & procedures.• Maintenance of Account opening / closing folder as per SOPTerm Deposit (COII, MAC, MMC, MPC, etc.)• Issuance of Term Deposits to account holders after completing all the formalities.• Handle pre-mature encashment and profit payment as per product & sharia guidelines.• Balancing of Term Deposits (GL and module outstanding report) on monthly basis.

• Direct supervision of the Teller Services Department including Cash Payment & receipts, Cash sorting, Inward & Outward Clearing & Inward & Outward Remittances (Pay Orders & Demand Drafts, issuance & encashment) both Local and Foreign Currency.• Process/supervise Western Union transactions for customer and ensure all guidelines and SOPs are followed.• • Handling and processing and balancing of utility bills payments in accordance with SOP.• Responsible for Cash Limit maintenance.• Handling of FCY conversions and Account to Account Transfers.• Checking of Daily Vouchers ITJs and departmental books.• Manage and process work to ensure time and quality standards are met in accordance with SOP/Operations Manual/Local regulations. Be fully conversant with the Anti Money Laundering & Know your customer policy of the bank in order to track & report suspicious transactions to ‘Money Laundering Reporting Officer’ of the Branch.• Co-ordinate with Manger operations to achieve standard quality and productivity standards.• Maintain records for the department to furnish accurate MIS reports to HO and returns to SBP.• Maintain strict vigil in order to track suspicious inward & outward remittances.• Ensure that unclaimed Pay Orders and DDs are transferred to unclaimed accounts in accordance with instructions of Operations Manual and to SBP after ten years.• Ensure that all SBP, HO and other regulatory reports are sent to the respective departments on or before due dates.• Handle customer/correspondent banks queries and ensure complaints are addressed promptly and within service standards to achieve customer satisfaction.• Manage ATM as per SOP & Guidelines and SBP directives. • Monitor income & expense variations of the department.• Exercise strict controls to minimize the transactions carrying exceptions. Arrange for reporting of exceptional transactions to HO till resolved. Liaise with business units for early resolution of the exceptions.

• Handle cash, make and receive payments, make demand drafts and account transfers; process credit card payments and cash advances ensuring full compliance with BAL’s procedures and SBP’s regulations • Ensuring transactions are complete and recorded with proper verification of documents and supporting documents from supervisor• Reconcile all cash transactions at the end of the day; coordinate with the auditors to monitor cash • Sale and purchase of prize bonds and maintenance of complete record of the instruments• Maintain and balance petty cash vouchers on monthly basis• Balance the cash books before leaving the seat during the day and at day end• Online / Local Cash receipt / Payment.• Bills Collection of various institutions.• Utility Bills Collection.• Credit Card: Transfers / cash collection.• Online / Local Transfers.• Money Gram Payment

1. Local Remittances & Clearing· To keep updated regarding BAL’s procedures for handling clearing/collections/lockers, relevantSBP’s instructions and ensure there compliance· Receipt and posting of inward and outward clearing/collection· Periodic balancing of inward/outward clearing/collection· Voucher preparation (including on-line vouchers) and posting· Handling activities pertaining to lockers operations· Preparation of outward clearing returns/advises & cheque return memos in inward clearing· To check that instruments received for clearing/collection are in order and correspond with depositslips· Recovery of all applicable charges on these activities as per Bank latest schedule of charges· To respond customer’s queries satisfactorilyAccount Opening· Responsible to guide customers about BAL products, bank’s policies and requirements regardingdifferent types of accounts.· Replying to customer’s queries regarding account opening forms & cheque book issuance etc.· To make sure that required KYC documentation, as required under prudential regulations, isobtained, properly kept in record and feed into the system· To ensure that all specimen signature cards are scanned properly· Issuance of miscellaneous certificates.· Maintain data of Zakat, Zakat declaration forms, Hold mail, Dormant accounts and undeliveredmail as per prescribed procedures.3. Cash Department· Online / Local Cash receipt / Payment.· Bills Collection of various institutions.· Utility Bills Collection.· Credit Card: Transfers / cash collection.· Online / Local Transfers.· Money Gram Payment.