RUTH LUNKUSE

Accountability 1: Planning and Budgeting
• In coordination with BGDM prepares annual branch business plan by determining the key business growth and staffing objectives, efficiency and productivity standards/targets and ensures operating costs are in line with acceptable budget ratios at branch level.
• Sets specific cross/up selling targets and productivity objectives to supervisors and officers.
• Prepares work schedules/plans and assigns duties to staff to ensure efficient and effective work organization in collaboration with supervisors.
• Develops strategies (incl. customer service strategy) to ensure maximum profits while remaining customer centric.
• Develops proposals for further improvement of operations, including concepts for new/adapted products, services, procedures, and processes.
• Supports the preparation of the regular branch meetings (analysis of achievements in banking services/retail area, reports, forecasts, presentations etc.)
• Budget control and evaluation for the branch

Cash Management
• Dual custodian of all cash movements as per the set policies and procedures
• Timely supervision of teller, ATM replenishment and all the associated cash and GL reconciliations in the branch.
• Supervise and approve swifts, RTGS, EFTs, cheques, salaries, bankers cheques
• Supervise and approve Relationship Officer - Cash and Relationship Supervisor- Cash transactions
• Supervise and approve customer experience supervisor requests
• Oversee all activities done by the supervisor cash and supervisor customer experience
• Printing end of day reports.
• Verify account transfers, account closures
• Suspicious transactions handling
• Issue and supervise snap checks handling


Monitoring of Branch Performance

Risk Management and Control
• Implementation of internal control systems to ensure smooth running of business.
• Safeguarding the business assets.
• Ensure timely closure of actions and recommendations related to audit, risk, and compliance findings.
• Effective communication/cascading/escalations within the business.
• Cascade and train banks policies and procedures, ensure compliance and give feedback for continuous improvement.
• Champion AML/FATCA compliance and fraud prevention.
• Continuously review the branch RCSAs and implement mitigants for the identified risks to reduce the level of risk exposure.



Customer Experience, Public Relations, and Business Development.
• Drive positive advocacy for quality customer experience.
• Coordinate effective communication between Branch staff and clients to enhance customer experience.
• Ensures that the products and services provided as well as the delivery methods meet the needs of EBUL’s target customers.
• Driving the uptake of our digital suite of products ranging from mobile banking to internet banking among others
• Ensuring optimal use of the ATMs/CDM and customer adoption of the value-added multiple services delivered through this channel

Staffing, Performance Management and Capacity Building
• Ensure optimal branch staffing levels and optimally deployed.
• Contribute to performance management by setting objectives, skills analysis, learning and development plans for employees’ capacity building.
• Daily branch staff productivity management and ensures timely performance management.
• Staff talent management for business continuity.
• Leave and absence management.
• Conduct training needs analysis and support development and implementation of training.
• Offer leadership and motivation to branch staff
• Any other duties that may be assigned to you from time to time.
Limits of Authority
• Taking all decisions and actions according to the bank’s code of conduct, policies, procedures, memos, and all other regulations brought into force.

• Provide support by mentoring, coaching, training, and ensuring high standards of performance and quality assurance in branch cash management.
• Overseeing daily transactions and performing cash reconciliations.
• Ensuring that the cash team is adhering to accounting principles, safety procedures, and customer service standards.
• Maintaining a positive work environment, and rating performance of the team
• Checking cash in the Branch’s vault, ATMs, CDMs, Intra-day safe and balancing cash register.
• Supervising Cashier’s daily transactions and maintaining a report weekly and monthly.
• Ensuring till discrepancies are dealt with promptly and effectively as per the bank’s procedures.
• Ensure optimal staffing levels within branch cash management.
• Cross-selling bank’s products.
• Driving digitization.
• Timely Cash replenishment for Cashiers' and ATM.
• Verification of transaction.
• Ensure that batch proofing of tellers’ daily transactions is done daily and accurately.
• Ensure that spot checks are carried out as per the Policies & Procedures.
• Any other duties that may be assigned from time to time.
• Perform timely action on cash related transactions that may be assigned including Salary payment processing, RTGS remittances, cheque clearance, Internal transfers, SWIFTs and EFTs.
• Timely processing and reconciliation of branch Petty cash transactions.
• Timely and accurate submission of branch monthly returns to H/O
• Cost management
• Inventory and stationary management
• Branch assets custodian
• Ensuring 100% compliance adherence in the branch

• Adherence to policies and procedures, KYC, AML and FATCA/CRS.
• Ensure accuracy, completeness and proper handling of customer documentation required for various services (including withdrawals, deposits, Forex and IMT transactions,).
• Check eligibility and ensure necessary approvals are obtained before paying out cash.
• Receive and Pay out cash.
• Count and arrange money according to denominations before turning it to the Cash officer at the end of the day.
• Perform timely action on cash related transactions that may be assigned including RTGS remittances, cheque clearance. Done by supervisor cash
• Conduct snap checks and control checks as assigned.
• Offer quality customer experience.
• Cross/up selling EBUL’s products and services and solutions to meet branch targets.
• Driving digitization among all the customers that get served.
• Champion new products of the bank by engaging customers that get served
• Give feedback on service improvement initiatives to reduce customer pain points.
• Achieve set performance targets.
• Be efficient and effective in various duties assigned.
• Any other duties that may be assigned by the supervisor from time to time.