Teller - Sta. Rosa/Binan, Shifting

We are looking for a highly responsible and detail-oriented professional to support Teller Services and Cheque Clearing operations within the branch. In this role, you will be responsible for executing and improving core operational processes related to cash handling, transaction processing, and clearing activities, while ensuring strict adherence to internal controls, regulatory requirements, and service standards. You will work closely with the Branch Operations Manager, team members, and key stakeholders to maintain operational efficiency, accuracy, and compliance, while also contributing to continuous process improvement initiatives.

Key Responsibilities

Teller Services

• Perform end-to-end teller transactions, including cash and cheque deposits, withdrawals, loan and bill payments, and accurate posting in the Core Banking System (CBS)

• Execute Start-of-Day (SOD) and End-of-Day (EOD) processes, including cash acknowledgment, balancing of cash and cheques against system postings, and proper turnover to the Main Vault under dual control

• Ensure all transactions are within approved limits and secure necessary approvals for transactions beyond teller authority

• Safeguard all cash, cheques, and accountable forms during banking hours, ensuring no items are left unattended and all are securely stored in teller drawers or vaults

• Validate authenticity of cash and cheques, and immediately escalate any suspicious or counterfeit items

• Maintain accurate and timely filing of all transaction records in accordance with retention policies

• Monitor and report any operational issues or discrepancies that may impact branch operations

Cheque Clearing

• Process cheque clearing activities, including validation of account balances and preparation of clearing files for submission to partner banks (e.g., Maybank/PCHC)

• Perform call-outs for high-value cheque transactions and ensure proper handling of cheques with stop payment orders

• Ensure timely submission of clearing files and proper storage of backup records, including scanned cheque images

• Track clearing status and ensure timely posting of cleared transactions to customer accounts

• Properly record, monitor, and file bounced cheques and maintain organized records of paid and cleared cheques

• Coordinate with custodians for cheque deposits to depository banks and ensure proper tracking and reconciliation

General Operations & Controls

• Ensure strict implementation of maker-checker controls and proper segregation of duties

• Monitor outstanding and open items, ensuring resolution within defined aging periods

• Act as maker, checker, or authorizer based on delegated authority

• Serve as vault custodian reliever when required, ensuring compliance with dual control and security protocols

• Maintain organized documentation (soft and hard copy) and ensure adherence to record retention policies

• Regularly review and update documented processes and identify opportunities for process and system improvements while maintaining control integrity

• Participate in UAT/UVT, system enhancements, and Business Continuity Plan (BCP) activities

• Collaborate with stakeholders and participate in meetings to identify operational impacts and improvements

• Promptly escalate issues and propose solutions to immediate supervisors

• Ensure compliance with regulatory requirements (BSP, AMLC, PDIC, BIR) and support anti-money laundering controls

• Adhere strictly to company policies, procedures, and code of conduct

Requirements and expectations

• Relevant experience in teller services, cheque clearing, or branch operations within a banking or financial institution

• Strong understanding of cash handling, transaction processing, and clearing operations

• Solid knowledge of internal controls, risk management, and regulatory requirements (BSP, AMLC, PDIC, BIR)

• High level of accuracy, integrity, and attention to detail in handling financial transactions

• Ability to work independently while ensuring compliance with structured processes and controls

• Strong organizational, analytical, and problem-solving skills

• Good communication and interpersonal skills, with the ability to collaborate effectively with stakeholders

• Ability to manage multiple tasks and work efficiently in a fast-paced, customer-facing environment

• Proactive mindset with the ability to identify risks, escalate issues, and suggest process improvements