Universal Banker (Maker & Checker) job at Standard Chartered

Job Summary

The role supports branch operations by delivering efficient customer service, processing and checking customer transactions, managing cash and vault-related activities, resolving customer queries, and ensuring compliance with operational, risk, conduct and regulatory requirements.

Key Responsibilities

• Process, review and approve customer transactions in line with delegated authority, including cash and cheque deposits, withdrawals, inter-account transfers, currency exchange, cashier orders and other branch banking transactions.
• Handle Telegraphic Transfer, Electronic Funds Transfer, Real Time Gross Settlement, customer draft, cheque book, card, stop payment and static data instructions accurately and within required timelines.
• Manage cash within approved limits, balance cash against daily journals, support reconciliation of cash and general ledger accounts, and perform vault or float custodian duties where nominated.
• Provide professional, consistent and customer-focused service, ensuring customer queries and complaints are handled within agreed turnaround times.
• Support digital migration by encouraging customers to use online platforms and helping resolve service issues effectively.
• Identify opportunities to refer customers for relevant bank products and services, including deposits and unsecured lending.
• Ensure compliance with Anti-Money Laundering, Customer Due Diligence, Know Your Customer, customer data protection, Speak Up, audit and conduct requirements.
• Escalate, mitigate and resolve operational, risk, conduct and compliance matters appropriately.

Skills and Experience

• Strong customer service mindset with the ability to deliver efficient and professional branch banking support.
• Good understanding of transaction processing, customer service guidelines and banking products.
• Experience in cash handling, branch operations, customer instructions, reconciliations and complaint resolution.
• Strong communication, interpersonal, collaboration, problem-solving and decision-making skills.
• Ability to work accurately under pressure, follow procedures, manage risk and maintain high standards of integrity.
• Comfortable working with internal stakeholders including branch operations, client service, sales, relationship management and technical support teams.

Qualifications

• University degree or equivalent qualification.
• Relevant banking, branch operations or customer service experience.
• Good understanding of transaction process flows, customer service standards and bank products.

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

• Process, review and approve customer transactions in line with delegated authority, including cash and cheque deposits, withdrawals, inter-account transfers, currency exchange, cashier orders and other branch banking transactions.
• Handle Telegraphic Transfer, Electronic Funds Transfer, Real Time Gross Settlement, customer draft, cheque book, card, stop payment and static data instructions accurately and within required timelines.
• Manage cash within approved limits, balance cash against daily journals, support reconciliation of cash and general ledger accounts, and perform vault or float custodian duties where nominated.
• Provide professional, consistent and customer-focused service, ensuring customer queries and complaints are handled within agreed turnaround times.
• Support digital migration by encouraging customers to use online platforms and helping resolve service issues effectively.
• Identify opportunities to refer customers for relevant bank products and services, including deposits and unsecured lending.
• Ensure compliance with Anti-Money Laundering, Customer Due Diligence, Know Your Customer, customer data protection, Speak Up, audit and conduct requirements.
• Escalate, mitigate and resolve operational, risk, conduct and compliance matters appropriately.

• Strong customer service mindset with the ability to deliver efficient and professional branch banking support.
• Good understanding of transaction processing, customer service guidelines and banking products.
• Experience in cash handling, branch operations, customer instructions, reconciliations and complaint resolution.
• Strong communication, interpersonal, collaboration, problem-solving and decision-making skills.
• Ability to work accurately under pressure, follow procedures, manage risk and maintain high standards of integrity.
• Comfortable working with internal stakeholders including branch operations, client service, sales, relationship management and technical support teams.

• University degree or equivalent qualification.
• Relevant banking, branch operations or customer service experience.
• Good understanding of transaction process flows, customer service standards and bank products.