Authorizer -wbo- Rlo-glo

**5 - 8 years**:
**Any Graduate**:
**WBO - Ops**:
**9 lkh ~ 10 lkh**:
Authorizer Gold Loan Ops/ Authorozer Trade Finance/ Authorizer WBO
- Clearing Operations : Ensuring that both Inward and Outward Clearing is managed within the cut-off timings and without exceptions.
- Ensuring that there are no Outward Counter Returns which might cause exposure to the Bank.
- Ensuring that all the returns are posted and Value Date is released timely every day.
- At CTS locations, ensure proper technical verification of Outward Clearing Cheques is in place.
- Monitor the movement of staff attending P2F (Paper to Follow) sessions.
- Ensure to conduct Clearing house at regular intervals at BCP centers.
- Monitoring CTS vendor Outsourcing Processing Nostro account and Suspense accounts monitoring : Daily reconciliation of Nostro accounts.
- Management of Clearing Funds and maintaining Nostro account balances below prescribed limits.
- Monitor all Suspense Accounts and maintain the registers.
- Fortnightly reporting of suspense/Monthly Nostro accounts after due verification and with relevant details.
- Safe-custody of Nostro account cheques and judicious use of the same.
- CMS Operations : Monitor the quality of verification and authorization in CMS Ops from time to time.
- Monitor the dispatch activity of both incoming and outgoing schedules.
- Identify and highlight the gaps to all the stake holders.
- Remittances : Issuance of instruments like Demand Drafts, Manager Cheques, etc.
- Ensure to have sufficient stock of Payinst, Payfast, Paycheck stationery.
- Safe custody of numbered instruments and maintenance of proper records.
- Transfer Cheques, RTGS/NEFT : Ensure that the transfer cheques are processed on priority and call back is conducted as per process.
- Ensure that all customer requests are processed with TAT.
- Ensure prompt call bac Depository Operations : Ensure that the process for Verification/Authorisation of Delivery Instructions is followed without exceptions.
- Follow the process for Issuance of Loose Instruction Slips diligently.
- Ensure that the process prescribed for processing of DRF, Rejected DRF, Pledge, Hypothecation, Issuance of Loose Instruction Slip are followed diligently.
- Retail Liability Operations : Ensure that the process of inwarding, counting, acknowledgement of Account Opening Forms received from Retail branches is in place.
- Ensure there is no delay in Processing of Customer Instructions.
- Ensure that the KYC and AML guidelines are meticulously followed by each and every team member.
- Scanning of documents are done as per the defined time lines.
- Indexing of documents.
- Despatch of forms to respective Regional Document Verification Unit/Central Processing Unit.
- Ensure that the updation of operating instruction in KYC utility is in place.
- Keeping abreast of all the latest circulars, guidelines, products.
- Ensure to check act upon various MIS related to Image Hold, Pending for Dispatch, Pending for Receipt etc are acted upon without delay.
- To ensure no critical exceptions are highlighted in Audit report.
- Ensure that the compliance for the exceptions highlighted in the audit report are resolved within the timelines.
- Proper collation and timely submission of necessary MIS to the various groups/Retail Branch Banking.
- Meeting Turn-Around-Times/Nil TAT delays.
- Help branches to reduce their FTNR, for faster customer service.
- Hold frequent meetings with the Retail branch banking team.
- Ensure and build internal control mechanism to prevent frauds, errors or to ensure that any fraud or error will come to light Retail Asset Job description Implementation of Operations process, policies and Audit guidelines as defined in the process notes.
- Ensure that the process of inwarding of Login files received from Sales/Relationship Managers is in place.
- Ensure that the process of verifying the files through Transaction Origination System check list and raising the discrepancies to sales staff is in place.
- Post disbursement documents (PDD) should be updated in Finnone.
- Scan the Retail Asset files in IDEA RAS system.
- Timely Dispatch of the files to Central Processing Unit.
- Ensure that logins, processing and disbursements are processed within TAT.
- Ensure that all queries and complaints are reverted and closed within the timelines.
- To ensure no critical exceptions are highlighted in Audit report.
- To highlight, raise and escalate all errors, exceptions, deviations to the next level of reporting.
- Enhance interactions and co-ordination with Sales, Credit, Collection teams.
- Conduct regular visits to Central Processing Agency and Dealers.
- Reduction of FTNR and ensure that the Sourcing Channels are made aware of the same through regular MIS.
- Ensure continuous improvement in providing Customer Service.
- Nil Financial exposure to the Bank due to lapses, errors, miss-outs.
- Contributing ideas and suggest Process simplifications/improvements Trade Finance Operations Dig