This role is responsible for processing transactions in Cash Operations at a maker level in line with delegated authority, supporting the Supervisor Cash Operations in day-to-day activities in the unit by participating in unit operational activities as may be assigned by the supervisor, adherence to Group policies & procedures, and delivery of service standards.
• Compliance with risk procedures within the unit.
• Contribute to periodic self-assessment of key controls to assess their proper functioning and adequacy.
• Uphold the policies & standards of the bank in relation to Sanctions and Financial Crime

Compliance.
Assist management in ensuring that the Bank operates to required standards of conduct in line with all regulatory requirements and Group Legal & Compliance and ethical policies including the Code of Conduct to protect and enhance the reputation of the Standard Chartered Group, its customers and regulators and to avoid significant financial loss.

Key Responsibilities
Strategy
• Participate in Group initiatives to deliver the bank’s strategic priorities as communicated by the bank leadership

Business*
• Support delivery of the highest standard of client service in response to client enquiries and complaints to create improved, lasting relationships with our clients.
• Support timely resolution of incidents, errors, and complaints and promptly respond to queries.

Support monitoring of processing queues both country and hub, to ensure timely processing of transactions.
• Promptly respond to queries, resolves day to day problems in processing or escalates issues as appropriate.
• Maintain good relationships with other stakeholders; other Commercial Banks, GBS, and support teams.

Processes*
• Process all customers instructions received either electronically or manually subject to necessary approvals and in a manner which meets agreed service standards.
• Manage the reconciliation of internal Suspense and Sundry accounts under responsibility of the unit.

Blank Forms Custodian and ensure reconciliation of float and bulk stock of blank drafts is performed as per CMO Procedure guidelines.
• Handle routine correspondence to and from customers, other departments, non-bank financial institutions and other banks to ensure resolution of customer queries/complaints in a timely manner.
• Reduce client complaints and error rates by implementing corrective actions plan and addressing thematic concerns to ensure no repeat incidences.
• Review and monitor workload in the unit to facilitate smooth and improved workflows and processes.

Provide input to the development and enhancement of processing systems and procedures including participating in UAT / UVT
• Proactively identify and analyse inherent risks within the unit and explore ways of minimizing risk.
• Minimize losses and reduce potential loopholes for frauds in the unit.
• Ensure segregation of duties during processing as per CMO Procedure guidelines.

Ensure all processing exceptions and system issues are escalated to CMO Head immediately

Skills and Experience
Tax / Statutory Payments / Utilities Processing:
• Monitor tax collected in reconciliation reports and ensure they are remitted in line with MOU with Tax regulator.
• Monitor to confirm tax collections have been notified to tax regulator.
• Trigger manual notification in E-Tax system for unnotified tax payments.
• Rectify statutory / utility payments that require intervention
• Liaise with GBS and IT to address any lapses in seamless tax processing.
• Liaise with tax regulator / utility companies/ statutory bodies to address outstanding items shared on a daily basis.

PSB Cheque/Cash Deposit and Sybrin Scanning:
• Ensure proper receipt, processing , reconciliation and custodianship of all cheques and other PSB related documentation.

CIT / Enchashment /CDM
• Liaise with CIT service providers for effective processing of client instructions.
• Ensure timely and accurate processing of all transactions.
• Ensure prompt recovery of related charges.
• PSB Billing
• Fee recovery and issuance of tax invoices for PSB services is completed within agreed cycle.
• Tracking vendor invoices, reviewing and put it in the system and ensure they are submitted for payment promptly.

MIS and Regulatory Reporting
Ensure timely and accurate submission of requisite reports to respective recipients
Maintain statistics/MIS data related to day to day activities and avail information as requested.

Filing/Reconciliation of Suspense Accounts:
• Ensure that proper filing of documents related to your tasks is done on daily/weekly/monthly basis.
• Ensure that Suspense accounts assigned are reconciled on a daily basis and items uplifted in a timely manner. In case of exception, escalate the same to line manager, immediately.

RCMS Scanning/Stationery:
• Ensure that all received slips are scanned to GBS-CMO on the same day.
• Ordering and issuance of RCMS and PSB stationery for corporate clients.

KYC/AML/Sanctions.
• Ensure you remain alert to the risk of money laundering and assist in the Bank’s efforts in combating it by adhering to the key principles in relation to identifying your customer, knowing your customer, reporting suspicions, safeguarding records and not disclosing suspicions to customers.
• Ensure that AML and Sanctions guidelines /policies are adhered to and that suspicious transactions are detected and reported.

Custodianship
• Custodianship for keys and other bank instruments in line with laid down procedures

BCP/DRP
• Participate in BCP/DR Testing

UAT / UVT
Provide input to the development and enhancement of processing systems and procedures including participating in UAT / UVT.

Qualifications
Regulatory & Business Conduct
• Display exemplary conduct and live by the Group’s Values and Code of Conduct.
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders*
Internal
• Transactional Banking (TB), Corporate & Institutional Banking (CIB), & Wealth and Retail Banking (WRB)
• Treasury Markets for deal / ALM confirmation.
• Credit department
• All TTOO departments

External
• Correspondent banks staff
• PSS support teams for the various CMO systems.
• GBS Hub Processing Teams

Qualifications
• Education : University degree (Second Upper or First Class Degree preferred)
• Training : Principles and practice of banking operations; computer literacy and the use of computer applications in banking.