Cash Handling and Transactions:

Conduct routine teller transactions such as cash deposits, withdrawals, account transfers and payments.
Ensure all cash handling procedures are strictly followed and comply with bank policies.
Balance the cash drawer at the end of the day, reconciling any discrepancies.
Customer Service:

Provide professional, prompt, and courteous service to customers.
Respond to customer inquiries, resolve basic issues, and escalate complex concerns to the appropriate department.
Promote bank products and services to customers as per bank guidelines and encourage cross-selling opportunities.
Operational Compliance:

Ensure all transactions comply with the bank’s policies and regulatory requirements.
Maintain an updated knowledge of compliance requirements, including anti-money laundering (AML) regulations, Know Your Customer (KYC) policies, and bank security measures.
Prepare and maintain accurate records for auditing and reporting purposes.
ATM and Cash Vault Management:

Assist in ATM balancing, replenishment, and minor troubleshooting when required.
Perform vault duties as assigned, including managing cash flow and ensuring the branch is adequately stocked with cash.
Account Servicing:

Assist customers in opening and closing accounts, updating account information, and providing product information.
Support account-related processes, such as deposits, check clearing, and fund transfers.
Risk Management and Security:

Follow established security protocols to protect the branch and customers.
Report any suspicious activity or potential fraud to the branch management and security team.
Sales and Promotion:

Identify opportunities to cross-sell banking products, such as savings accounts, credit cards, loans, and other services.
Work with the sales team to meet branch and individual sales targets.
Administrative Support:

Assist with other administrative tasks as required, including filing, data entry, and customer correspondence.
Collaborate with branch team members to ensure smooth branch operations and cover other roles as needed.

To accept & process cash deposit receipts (local & foreign currency) / utility bills and withdrawals including online transactions after duly verifying the authenticity of the currency notes & instruments.To initiate process of issuance of remittances i.e. pay orders, demand drafts, fund transfers as per the prescribed process. Accept online deposit/payments from customers as per operational manual/procedure. Process inward and outward clearing.Lodgments and settlement of OBC, stop payment, assisting in inward & outward FCY remittances.Issuance/encashment of time deposits, issuance and balancing of cheque books and debit cards. Process account opening as and when required.To balance currency at end of the day against the cash receipts withdrawal instruments handled over the counter, update Cash Book, undertake sorting, prepare cut and soiled notes for onward submission / dispatch to Cash Cell/SBP. Ensure compliance of the SBP regulations with respect to Currency Management and Clean Notes Policy.To be responsible for daily & timely replenishment, scroll maintenance, balancing and report maintenance of Branch ATM and timely settlement of ATM claims.To ensure that all transactions are undertaken in conformity with Bank Policies, operational manual and KYC/AML regulations are strictly complied.To be highly vigilant w.r.t handling Keys to the Safe /Vault / ATM, and ensure proper recording upon occurrence of any change in the custodianship.To have complete understanding of the ISMs (Internal Service measures) and ensure processing all transactions remaining within the assigned TATs (Turn Around Times).

Branch service officer

You will be responsible for all operational activities of the Branch whilst ensuring a high level of customer service and compliance with SOP and SBP’s statutory, Prudential, and regulatory requirements, to facilitate customer transactions and add value to the strategic objectives of the Bank.

Act as a second in command of the branch by assisting BM in running branch functions smoothly
Ensure all processes are followed as per Branch Operations, Foreign exchange manuals & KYC/AML policy, while ensuring Compliance and TATs are met as per Service Level Agreements between departments.
Ensure, manage, and supervise over-the-counter services in the branch to achieve timely and accurate processing of customer
requested transactions, while ensuring service delivery is as per the prescribed standards and SLAs between the functions of
the bank.
Ensure all trade operations support is managed and supervised by following procedures to ensure adherence to the bank’s risk and compliance policies. (Wherever applicable)
Ensure that all regulatory reporting’s submitted on timely basis to avoid non-compliance at all levels.
Supervise and ensure compliance with money laundering and terrorist financing regulations and Know Your Customer Guidelines, while regularly reviewing KYC status, and customer profiles, conduct risk assessments, and authorizing daily transactions, to ensure that the branch conducts its business following the required system/ process flow to counter money laundering and terrorist financing.
Accountable for reconciliation of Inter Branch Transaction Supervision /Cross Branch Transactions and Internal Control to effectively support the front-line of the branch
Ensure all processes are performed as per bank policies to achieve best satisfactory audit ratings in internal, external and SBP audits
Custodian of ATM’s PIN, Branch Security Stationery, Keys of Vault, Safe and Server room
Overall accountability of General Banking Including Account Opening, Cash Department, Clearing Department, Remittances Department, Term Deposit, ATM Operations & Others
Ensure the bank is not exposed to any unwarranted risk by implementing risk management and accountability at each level, particularly against money laundering.
Coordination with branches & Head Office on matters related to Operations, Treasury, Credit Administration, Trade Finance, Finance, Administration, and Information Technology Department etc.
Supervise Initialization and End of the Day of the banking application.
Accountable for migration of OTC traffic to alternate channels by educating the customers and demonstrating the efficiency
Provide guidance and recommendations to support the resolution of all customer cases to improve overall customer experience.
Facilitate growth in business and strengthen Bank by ensuring customer satisfaction, actively participating for the retention of deposits, and identifying, and following up on cross sell leads along with the branch manager, to strengthen the liability position of the bank
Ensure liaison with all branch stakeholders for the overall growth of business for the branch
Responsible for ensuring all customer grievances are resolved efficiently and according to customer satisfaction
Accountable for maintaining proper upkeep / maintenance of the branch to provide a comfortable look and feel to customers and staff.
Management of variable cost factor pertaining to branch operations and maintaining the cost at a minimum level and within budget to ensure branch efficiency, with approval/ consent of the BM
Lead the Branch Operations team to set individual objectives, review performance appraisals and provide on-going feedback on a formal and informal basis so that all staff are aware of what they are required to achieve and how they are performing against their objectives with mutual agreement of BM
Implement technological and procedural changes introduced by the Head Office the department to ensure higher efficiency and better quality of service under the supervision of BM
Responsible for any additional task assigned by the line management Operations

Universal Teller