Concepcion Abenoja

Ø Responsible for the delivery and overall quality of the banking operations within the branch apart from ensuring that efficient, delightful and customer centric services are consistently experienced at service touchpoints.

Ø Risk Manager, ensuring that all processes and service delivery are fully compliant with corporate policies and external regulations

Ø Responsible in reporting independently and immediately escalate process and control issues and concerns that put the bank at risk, making sure that this is attended immediately and resolved

Ø Responsible for the Audit Rating of the branch

Ø Directly handles / supervises the Branch Service officer, New Accounts and Tellers

Ø Responsible for the overall adherence to prescribed banking regulations, internal policies procedures and service standards

Ø Supervise the overall daily operations, administration and control in branch

Ø Screens and interviews prospective clients prior to on-boarding in accordance with the Bank’s KYC manual to determine the acceptability of the client and legitimacy of the purpose of account opening and pre-opening documentary requirements

Ø Responsible for non-customer facing transactions / operations

Ø Ensures prompt and efficient service delivery in compliance with service standards of the bank

Ø Responsible for adherence to premise standards , complaints management and compliance to regulations & policies

Ø Supports marketing activities to generate referrals and cross-sell to existing relationships by offering various bank products and services

Ø Monitors proper handling of the vault and safe combinations, keys, and system passwords

Ø Builds customer loyalty, patronage and satisfaction by assisting the Business Manager in executing in-branch sales activities, selling alternative channels, cross-selling banks products and promptly attending to customer inquiries and complaints to expand the client base, maximize profitability and achieve an ideal customer retention rate.

Ø Responsible for daily operations and maintenance of the Cash Vault and management of the Branch Cash Movements, ATM Operations, and other banks services

Ø Directly supervises the daily activities in the cashiering, tellering and ATM operations including the designated staff

Ø Act as the custodian of the peso cash and foreign currencies of the branch and responsible for:

· Servicing cash requirements of CSO/CSS Tellers

· Accurate recording and accounting of all cash transactions including but not limited to

ü Preparation of cash proof

ü Balancing and review of cash reconciliation statement for ATM

ü Maintaining adequate control in the custody of cash and effective CIV Management

Ø Handles ATM Management

Ø Handles Outward Clearing Items

Ø Encode BIR Payments in LBDES and transmits to Fincon

Ø Confirms clients issuances of checks

Ø Handles and coordinates with IBSD approved remittances application from customers

Ø Verifies and records all numbered forms of the branch including pre-encoded and re-ordered checkbooks

Ø Ensures end of day procedures

Ø Approved transactions in accordance with existing policies and procedures

Ø Act as alternate Branch Channel Manager in his absence

Ø Act as regular or alternate holder of combination and keys

Ø Ensures proper maintenance of documents or IHAC/IHFS or safekeeping

Ø Signs/co-signs and act as alternate signer/co-signer of documents, certificates pertaining to all SBC products, MC’s, DD’s, GC’s, TT’s, other negotiable instruments and internal tickets

Ø Review/approves error corrections entries and override transactions

Ø Reviews mishandled accounts and reports to BCM for proper disposition

Ø Performs other duties and tasks that may be assigned from time to time

Ø Act as Reliever or substitute for branches/ centers rank and file employees in various areas of operations such as sundries, clearing, tellering, new accounts, and cash custodianship to ensure smooth and continuous workflow.

Ø New Accounts opening of Savings Accounts, Checking Accounts, Time deposits and Placements; Transactions for Outright Purchase of FX Notes/Checks, Outright Credit of FX Checks, Acceptance of bills sent for Collections, FX & Local Telegraphic Transfer, FX & local demand draft, Sale of FX notes, and Sale of MC

Ø Ensures proper processing and filing of documents for bank standard compliance

Ø Responsible for cash handling and processing of cash/check deposits, withdrawals, check encashment, closing of accounts; signature verification through the Signature Verification System(SVS); posting of all transaction adjustments to the CA/SA

terminal at the start of the banking day; accepting and processing of various fund transfers

Ø Outward clearing operations through Aperta - CICS

Ø Selling of Bank’s Products and its subsidiaries', (Metrohome , Metrocar, Metrobank Credit Card, Charter Ping-An and Axa Philippines)