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Cashier Tellers & Manager Tellers Training
14th TO 18th OCT,2013
TRAINING PRE-REQUISITIES Staff nominated for the training must have: • Fully conversant with the related assignment • PC literate TARGET AUDIENCE • Cashier tellers & Manager Tellers COURSE OBJECTIVE • Correct utilization of the system to increase efficiency • Highlight common mistakes made by users so that these are not repeated • Rationalization of Manual Work & elimination of Registers to a great extent • Understanding of system Reports • Enquiry Option Usage
• • • • • • • • • • • • • • • Position Title: Location: Reports to (Title): Cashier Tellers / Manager tellers Front office Manager Tellers / Manager Operations
Position Summary Cash Payments (LCY/ FCY) Cash Deposits (LCY/ FCY) Receive Cheque Deposits (Outward Clearing) Sale/Purchase of Prize Bonds. Receive cash for Payment Order/Demand Draft/ Local Funds Transfer transactions against cash Process Transfer Cheques Receive Outward Bills for Collection cheques ATM cash feeding ATM cash balancing Receive Challans Process miscellaneous vouchers (income, expense, commission etc)
) Issuance of Prize bonds Processing all Cheque deposits (all outward clearing instruments). LCY. Issuance of Travellers Cheques Encashment of Travellers Cheques Treasury reporting for FCY transactions Exchange Cash between Tellers Exchange Cash between Teller and Manager Tellers & Services Exchange Cash for Customers Cash handling for share subscription transactions Slide 4 .Major Duties / Responsibilities • • • • • • • • • • • • • • Transaction Processing Process all customer transactions of FCY. LCY & FCY Cash Deposits and withdrawals Signature Verification Over the counter remittances (banker’s cheques etc.
g.Local Currency • Exchange Cash Between Tellers • Exchange Cash Between Manager Tellers and Services and the Teller • Cash Holdings .Major Duties / Responsibilities Customer Service • Provide friendly responsive customer service by using excellent customer service skills. money laundering guidelines to prevent possible losses. • Ensure accuracy and timeliness in all transactions Cash Management • Balancing cash at end of day • Cash Holdings .Foreign Currency • ATM Cash Control & replenishment • Prize Bonds Risk Management • To ensure compliance with the Bank policy and procedure and local statutory requirements e. frauds and forgeries Slide 5 .
Major Duties / Responsibilities • Discretion / Authority & decision expected • Disburse cash over the counter as per the authority/limit given. • To keep cash holding to a minimum • To refuse payment if instrument is not proper (in consultation with Manager Tellers & Services Slide 6 .
• Teller cannot sign in until supervisor open Branch in Online Or Offline mode. • If the host system becomes unavailable during the day. • At the start of the business day the supervisor runs the Open Branch transaction at the branch to open the Cashier System Online/Offline. • Tellers may then sign on and serve customers.The Daily Business Cycle • Overnight. • signing off temporarily and then signing back on again at break times. the local database is updated from the host system. Slide 7 . the Cashier System notifies users and use local customer database • This enables the branch to continue to provide customers with most of the normal services even when off-line • At end-of-day. cashiers balance their cash drawers and then sign off permanently.
A complete JRC report can be printed at the end of day to verify all transactions. Slide 8 . The JRC can be printed at any time during the day to verify the transactions input in the system upto that instance. Sign the report as proof of verification.REPORTS • JRC-----CASHIER (Teller/supervisor) • Check the JRC report with the posted deposit slips.
separate limits set for debits and credits Slide 9 . JSP & SSP • • • • Warning Messages Messages in Red back ground Colour Messages in Blue back ground Colour Messages in Green back ground Colour • • • • Limits on transaction amounts Account Credit/Debit amounts Account transfer amounts Inter-branch amounts .Security Features • • Authorisation levels Cashier System has an authorization level assigned by Security officer of the bank • • Overrides Over ride by Tellers.
The Daily Business Cycle Amount Abbreviations The standard abbreviations for amounts used by the Cashier System are: H Hundreds T Thousands M Millions Slide 10 .
00 • 4.00 One thousand five hundred 1.EXAMPLE Input • 4H Represents Four hundred Amt in figures 400.500.5H • 1.00 Slide 11 .5T Four hundred and fifty 450.
Types of Transaction Supported by Cashier System • • • • • • • • • • • Cash and cheque deposits and withdrawals Foreign exchange transactions Cheque book transactions Cross-currency Funds Transfer transactions Banker’s cheque issuance and encashment Clean payments Enquiries Balancing menu Signoff menu SM Menu Slide 12 .
Supervisor Menu Slide 13 .
Withdrawal Different Currencies Funds Transfer FX Account Transfer Different currencies Slide 14 .Types of Financial Transaction • • • • • • • • • 11 12 13 14 19 21 52 54 55 Cash Deposit Cash Cheque Withdrawal Cheque Deposit outward Clearing Cash Withdrawal .Internal account Cheque Deposit Item Entry FCY Sale / Purchase FX.
• • 18 28 Host Enquiries Enquiries options Make an enquiry on a customer accounts. Cheque Book Enquiry* Enquire about chequebooks issued on an account. • • 44 Deal Enquiry* Enquire on outstanding deals for a customer. Exchange Rates Enquiry Enquiry on foreign exchange rates. 928 Cheque Deposit Enquiry* Enquire on the validation of a batch of cheque items • 921 Journal Search Reverse any previously entered customer transaction. Slide 15 . • • 34 35 Cheque Book Request Request a cheque book.
• 83 Transfer Cash Out • 84 Teller Totals Report • 89 List Unbalanced CCY this teller. Transactions entered by tellers. List unbalanced currencies for Slide 16 . • 82 Transfer Cash In increase. Verify cash drawer totals for a Entry of a cash drawer Entry of a cash drawer decrease.Signoff Menu • • • • 911 912 951 952 Temporary Sign-off Permanent Sign-off Display Teller Totals Display Branch Total Balancing Menu • 81 Balance Cash currency.
BRANCH STATUS BRANCH IS ONLINE BRANCH IS CLOSED BRANCH IS OFFLINE Slide 17 .
Cashier system transaction Menu FAST PATH TRANSACTION MENU .
VAULT • CASH IN 82 • CASH OUT 83 Slide 19 .
TRANSACTIONS • 11 11-01 CASH DEPOSIT Cash Deposit –L/Cy Same Branch 11-02 Online Inter Branch Cash Deposit [charges] 11-04 Cash Deposit NBP (Sold) [internal a/c number of NPB on hand] Slide 20 .
Inter City Slide 21 .• 12 CASH CHEQUE WITHDRAWAL 12-01 Cash Cheque Withdrawal .Same Branch 12-05 Online Cash Withdrawal .Within City 12-06 Online Cash Withdrawal .
CASH WITHDRAWAL INTERNAL ACCOUNT • 14 14-00 Cash withdrawal internal A/C 14-02 NPB purchased Slide 22 .
Teller Total/Balancing the Cash • • Teller can check his Payments/Receipts with option 951 The Balance Cash transaction is used to reconcile the cash totals for a currency and to post the amounts to Equation database with option 81 Slide 23 .
Reversing a Transaction • The Cashier System permits you to reverse any customer transaction that you entered during the current business day. This is done using the Journal Search option 921 Slide 24 .
CASH ON HAND CASH ON HAND EQUATION BRANCHES Branch Code 0786 GL No 9901001 9901004 9901904 9901903 GL No 9920001 Currency Code 586 PKR 840 USD 978 EUR 826 GBP Currency Code 586 PKR 840 USD 978 EUR 826 GBP CASH ON HAND CASHIER BRANCHES Branch Code 0786 Slide 25 .
COINS / ATM COINS BRANCHES Branch Code 0786 CASH IN ATM EQUATION/ CASHIER BRANCHES Branch Code 0786 GL No 9901008 GL No 9901002 Currency Code 586 PKR Currency Code 586 PKR Slide 26 .
NATIONAL PRIZE BONDS NATIONAL PRIZE BOND GL’S Branch Code 0786 GL No VALUE IN RS. 200 750 1500 7500 15000 40000 924690 924685 924689 924688 924686 924687 Slide 27 .
CASH IN TRANSIT CASH INWARD/OUT WARD 11-01 CASH INWARD 9901910 CR AUTO OWN BR CODE 14-00 CASH OUTWARD 9901910 DR AUTO CASH FEEDING CENTRE BR CODE CASH A/C WILL BE AUTO UPDATED WHEN 81 OPTION USED Slide 28 .
Transactions Entered at Branch Slide 29 .
This Cheque item has a stop order against it This Cheque item has already been referred Account does not exist on the database.Real-time bal order shortfall Debit balance not allowed .Slide 30 • • • • • • • • • • • • • • • • • • • • • Stopped Cheque Cheque serial number already presented. Account is blocked Customers branch is off-line Account closed Account is inactive No available bal .this Cheque will be returned. Account is inactive. Cashier system branch for the customer is off-line Transfer is between different customers. Cheque serial number never issued for this account Cheque serial number must be entered Cheque has previously been returned No available balance and stopped Cheque. Limit violations have been overridden by user Limit violations have occurred Transaction amount exceeds local debit limit set for user ‘Warnings’ displayed on bottom of the cashier screens .
82.83) Slide 31 .Critical Control Point & Key Risk Indicator • Cashier server at branch should be running 24/7 • After cash balancing never forget to sent cash to supervisor • Mandatory for cash tellers to signoff permanently Input cash deposit receipt number in reference column for future query Outward clearing cheque deposit should be process through cashier system • Check cashier S/A 9870001 CCY if branch opened in off line mode during counter hours • Do not sent request to supervisor for Balancing options (81.
Slide 32 .option • Business date maintenance should be use in case of opening branch in off-line mode in the morning Do not override the cheque entry if warning appeared for incorrect cheque series Cross branch credit /debit transactions should be given high priority vision by supervisors Exercise extra care to supervise transactions in case of Cashier reversals for local branch and especially for cross branch Transactions. • JRC should be run and printed by supervisor from cashier system using 921 option • Offline transactions should be checked from forward file report using SM31. Do not use SM14 option to forced closing of cashier branch.Critical Control Point & Key Risk Indicator • Supervisor use 9814 option to confirm all cashiers are permanently signed off and balanced • Supervisor will use 35C to check @AAA batch and confirm cash balancing using AB option.
QUESTIONS AND ANSWERS SUGGESTIONS Slide 36 .
THANK YOU Slide 37 .