SDM

Responsible for daily operations of a full service branch office covering all aspects viz branch operations, lending, security and safety in accordance with the Bank's guidelines.

1.Review & monitor AOF rejection cases, account closures, overdue FD & FD maturity data and renewals thereof

2.Scrutinize and verify customer requests, AOFs as per prescribed checklist before dispatching for processing. Informing customers in case of rejections, if any.

3.Driving key Setrics by :

Daily checking of common pending folder of the branch and individual employees to ensure that no customer request is pending with the staff along with random drawer audits

4.Maintaining lowest levels of wait-time through :

Load balancing among desks

Regular monitoring of pending tokens through Admin login

Analysis to understand employee level productivity & Daily roistering

Leave planning & Training calendar

5.Ensuring adherence to Corporate Attire policy and Grooming guidelines by all staff members

Principal Accountabilities Compliance & Risk Management :

1.Ensure operations, risk control and process adherence at branches

2.Branch Audit scores

3.SOAX Audit scores

4.Fraud prevention

5.Ops risk monitoring

6.RBI audits, inspections and incognito visits

Major Activities Compliance & Risk Management

1.Ensuring adherence to prescribed guidelines as per operations manual and e-circulars issued from time to time

2.Developing a compliance culture through

Awareness programs for branch staff on risk & compliance through Daily Workplace Meetings and other platforms

Display of mandatory notices at branch

Ensuring dual custody of security items

Day-end checking of high value transactions > INR 2 lakhs and non-base branch transactions (cash, transfers, RTGS etc)

Ensure customer calling when in doubt to reduce frauds

Safe custody of items like stamps, stickers, keys, note slips etc.

Daily reconciliation, balancing and tallying

Training the branch staff on prevention of fraud and avoiding errors

3.Mitigating risk in office accounts by

Reversing office account entries and IBRs within applicable TAT

Monitoring key office accounts on daily basis

Reconciliation of clearing accounts on daily basis

balance confirmation

Reconciliation of CMS pending cases

4.Timely closure of audit-related matters

Closure of Key Audit Findings of IAD and RRM audit reports within TAT

Acting upon AIRI cases

Co-ordination with CA firms for Concurrent Audit and Auto Verification

5.Checking audit SQLs for re-confirmation and implementing corrective measures

6.Handling fraud cases

6 hour reporting

Closure of fraud cases in co-ordination with Internal Control Team

7.Physical verification and reconciliation of various inventory items

Security items like cash, DD-PO stationery, foreign currency, keys, gold coins,welcome kits- Monthly

Deliverables- Monthly

Fixed assets- Quarterly

Keys- Quarterly

Locker keys- Half yearly

8.Filing various returns in time

Monthly returns

Half yearly returns

Quarterly Returns

Mitra Committee reports- daily

TOD, cheques and bills purchased beyond one month, Against Clearing Debits, Loan Against FD, Loan Against Jewels

QRS returns

FCRA reports

Charge Taking Certificate- as and when required

9.Maintenance and periodic updation of registers

Daily updation (General Visitors Book/ Vault Register cum Jotting Book/ QCD register/ Cheque Book Register/ Gold Register/ Foreign Currency Register/ PAN updation file/ Security inventory Register (DL)/ Inward Register)

Branch documents register- As and when required

Key movement register- As and when required

Checking various daily reports (Day book/ GL/ Multiple Cash Deposit report/ ISRA- travelers cheques)