Teller

Purpose & Scope:

Provides efficient, courteous and error-free counter services to customers, handles all cash and non cash related transactions accurately without cash overages and shortages, ensuring the correctness and completeness of transactions as per the approved Banks policy & procedures of the Bank.

Key Responsibilities

1.Maintain safe custody of physical cash within permissible limits in the cash drawers and perform the cash in/out transactions accurately ensuring the physical cash balances always tallies with the Teller total at the prescribed periodicities on start of day, intraday and end of day.

2. Receives and dispenses cash to customers and processes checks, demand drafts, SWIFT transfers, remittances, foreign currency, deposits, withdrawals, utility payments account to account transfers etc. as per the approved policy & procedure of the Bank after due verification of appropriate forms and documents ensuring prompt and error-free service.

3.Process all  deposit transactions accurately against proper verification of the identity and authenticity of the customer by obtaining the required supporting documents/source of income/ details/ consent letter  of the customer (whenever required) as per the approved procedure and AML/KYC policy of the Bank

4.Process all withdrawal transactions accurately against proper verification of the identity and authenticity of the customer ensuring that the customer signature tallies with the captured signature in the banks record.

5.Ensure that only sorted good notes (fit for circulation) are delivered to customers and unsorted notes (cash deposits received from customers) are maintained in a separate cash drawer and no cash are paid to customers from the unsorted cash.

6. Ensure proper fee, charges and commissions as per the approved tariff of the Bank are charged to customers accurately wherever applicable.  Any waiver of fee, charges and commissions should be documented on the vouchers and approval obtained.

7. Assists supervisor in balancing cash, clearing items, custody items, verification of vouchers, KYC & ID expiry updating and processing non-cash related transactions.

8. Obtains necessary approvals for insufficient funds or any other exceptions to ensure compliance with the approved policy & procedure of the Bank and CBK regulations.  The reason for any reversals should be properly marked and original advises should be taken back from customers.

9.Manages counter loads by assessing the situation and prioritizing/ processing customers to reduce queues.

10.Promotes and provides a full range of Bank’s products and services to customers including processing of accounts, loans, cards etc., guiding customers and answering inquiries in compliance with regulations and established sales, operational, and security policies and procedures of the Bank.

11.Participates in the various cross-functional committees/teams for multiple purposes to achieve optimal cooperation and to assume seamless quality service.

12.Maintains updated knowledge of rules, regulations and standards in the field and related matters of interest to the department.

13.Performs other duties in line with scope of work and as assigned by the direct manager.