JUNIZA KARLA PAYOT

Performs the following Risk ands Governance exercises covering CConsumer Banking Segment ( includes Credit Card , loans , contact center , credit and collections )

-risk & Control self assessment

- Compliance Self assessment review

- Reporting Incidents of Crimes and losses

- outsourcing and vendor management Review

-Monitor and ensure compliance with committed action plan pertaining to internal audit / compliance/ risk

management of BSP/ SGV/ AML and Mastercard exceptions and recommendations

- Prepares Monthly and quarterly report for exposure of related party transactions and BSP personnel , compliance testing and RREPI ( indicator of change in prices for residential properties)

-Assist Operations control head in the review/ assessment of HR related matters Promotion , performance

-Act as BCP coordinator and segment representative for the following site management ,

learning and development curator

among others

- Acts as system administrator for CBC mastercard and visa access

• Work with the Retail Branch Head to ensure sales and service floor management is in place in order to maximise opportunities.
• To maintain suitably trained staff resource at levels appropriate
• By monitoring and controlling all operational processes
• By maintaining awareness amongst staff for all safety and security issues and bank procedures
• Coordinator for HSBC Savings Bank Departmental Records Retention Schedule
• Business Continuity Coordinator for Rockwell Branch
• Handles internal and external audit pertaining to branch.

• Responsible for prospecting and signing‑up new customer relationships as continuing source of Retail Banking Wealth Management business
• Extensive interaction with branch customers in line with servicing their financial requirements and closely liaising with colleagues from other line of business, business segments, products and services to determine suitability
• Direct knowledge of liabilities, assets, investment and insurance products
• Networked to increase client base and encourage existing clients to expand financial portfolios.
• Handles balancing of branch general ledger accounts and security items

• Task to perform over the counter bank transactions and other necessary entries
• Responsible for ATM cash, easypay machine, cash count , reconciliation and balancing
• Provide assistance in account opening, maintenance and documentation
• Handles documentary stamp tax franking, telegraphic request, supplies requisition and branch display materials
• Handles balancing of branch general ledger accounts and security items
• Prepares internal and external audit documents pertaining to branch.

• Process and monitor various loan types maintenance, inquiries, payments, reconciliation and documentation
• Prepares timely and accurate financial reporting activities for secured and unsecured lending facilities
• Monitor general ledger and handles account payable and receivable
• Handles staff loan (with high level of confidentiality)
• Assist reviews for procedure and process improvements

• Acts as liaison between branch (HSBC Philippines and HSBC Savings bank) and credit approval department to ensure proper communication critical to loan approval, documents and drawdown
• Responsible in collation, filling and scanning of signed loan documents
• Prepares BSP financial reporting for unsecured and secured loans.