صراف / صراف أول / رئيس الصرافين

Operating in the UAE for over 50 years, CBD manages the financial requirements of some of the largest corporates and businesses operating in the country, driving the UAE economy. Over the years, CBD has transformed into a progressive and modern banking institution winning multiple awards for its digital initiatives, credit cards, bank accounts, mobile app features and services.

CBD has been recognized as the number one bank in the UAE on the Forbes list of The World’s Best Banks 2022.

As we continue to build upon our successes, we are looking for ambitious individuals who are passionate about the banking and finance industry and the markets in which CBD operates. Just as important to us is your ability to demonstrate a talent for dealing with people - your colleagues and our customers and delivering service that really goes the extra mile.

Job Purpose:

Perform services such as attending to CDMs functions, cash management as per Bank’s policies, handling bulk cash deposits and withdrawals, checking of vouchers posted by regular tellers and performing functions of regular tellers whenever assigned

Principal Accountabilities:

Work Management

Perform all functions relating to Cheque Deposit Machines (CDM) located in the branch premises, at specified time interval, including, collection of physical cheques, tallying of number of cheques with the CDM journal and send them to clearing dept. within agreed TAT

Ensure to process special clearing cheques and foreign currency cheques within agreed TAT

Ensure to open the vault system as per SLA

Maintain and manage the cash accurately, and transfer the excess cash received from the Tellers to vault and withdraw the cash as and when required ensuring safe custody and handling of cash. Ensure that all Tellers hand over all the physical cash and maintain their cash box balance zero and tally with GL at end of the day, and to make prompt investigation in case of any difference.

Ensure to maintain require branch vault cash for next working day

Ensure to check and balance cash online transaction for all the tellers

At end of the day check Tellers cash proof is zero and obtain the tellers signature any over/short transaction reported to BOM.

At regular intervals, check the postings carried out by Tellers against the transactions journal presented by them and sign on the report. Any discrepancy identified should be immediately actioned to eliminate the risk of financial loss to the Bank.

Perform bulk cash receipt and withdrawal transactions, ensure correct receipt/issue of cash, accurately credit/debit the customer’s account and acknowledge the receipt to the customers.

Monitor sundry and suspense accounts , issue DDs , Managers cheques and internal transfer

Ensure customers’ average waiting time is maintained at standard level

Ensure that the local & foreign currency held does not exceed the daily required limit.

Ensure that cheques / debit instruments are in order before effecting the payment and make accurate debit entry in the customer’s account as per Bank’s procedures to protect the interest of customers and the Bank.

Make the payments / inter account transfer within the authority limit and for the transactions beyond the limit, obtain approval from the concerned official, to ensure not to overdraw customer’s account without approval

To be well conversant with the duties and responsibilities of Branch Operations Manager (BOM) and to officiate in that capacity during BOM’s absence.

To prepare and review daily teller voucher bundle, ensure total number of vouchers are matching with teller financial transaction daily report and ensure sending the same to internal control by maximum next working day.

To monitor any high variety in total number of achieved transactions between teller and report the same to line manager officially.

Guide branch tellers to adhere to bank policies and procedures, and give required training for new joining teller.

Guide and encourage customer to use our digital channel for all the cash deposits and withdrawal extra

Service & Quality

Take initiative to deliver satisfying customer service to each visiting customer by providing fast, accurate, efficient and courteous service.

Ensure strict adherence to laid down procedures to avoid delay, errors, irregularities and risks to improve service standards on continuous basis to support the Bank’s quality initiatives and to improve customer satisfaction.

Provide any other service as directed to support the overall banking operations of Br

Provide assistance in following up the transactions of the branch that are forwarded for override to respective personnel

People

To assist Tellers to perform as per the policies, procedures and practices of the Bank besides train the new comers.

Identify the area of self development in line with the Bank’s competency guidelines and prepare and execute the action plan in agreement with the Branch Operations Manager (BOM). Moreover, participate in e-learning and other training initiatives as required by the supervisor as well as HR

Education and Experience:

Graduate, preferably in commercially oriented discipline or Diploma in business / finance related subjects.

2 to 6 yrs of Retail banking experience with a good understanding of Teller / Cash Transaction