Habib Bank Limited CASHIER SYSTEM

Cashier Tellers & Manager Tellers Training

14th TO 18th OCT,2013
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INTRODUCTION
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
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JOB DESCRIPTION
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)

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Major Duties / Responsibilities

Transaction Processing Process all customer transactions of FCY, LCY. LCY & FCY Cash Deposits and withdrawals Signature Verification Over the counter remittances (bankers cheques etc.) Issuance of Prize bonds Processing all Cheque deposits (all outward clearing instruments). 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

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Major Duties / Responsibilities

Customer Service
Provide friendly responsive customer service by using excellent customer service skills. Ensure accuracy and timeliness in all transactions Cash Management Balancing cash at end of day Cash Holdings - Local Currency Exchange Cash Between Tellers Exchange Cash Between Manager Tellers and Services and the Teller 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.g. money laundering guidelines to prevent possible losses, frauds and forgeries
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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

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The Daily Business Cycle

Overnight, the local database is updated from the host system. Teller cannot sign in until supervisor open Branch in Online Or Offline mode. 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. signing off temporarily and then signing back on again at break times. If the host system becomes unavailable during the day, 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.

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REPORTS
JRC-----CASHIER (Teller/supervisor) Check the JRC report with the posted deposit slips. The JRC can be printed at any time during the day to verify the transactions input in the system upto that instance. A complete JRC report can be printed at the end of day to verify all transactions. Sign the report as proof of verification.
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Security Features

Authorisation levels
Cashier System has an authorization level assigned by Security officer of the bank

Overrides
Over ride by Tellers, 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 - separate limits set for debits and credits

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The Daily Business Cycle

Amount Abbreviations The standard abbreviations for amounts used by the Cashier System are: H Hundreds T Thousands

M Millions

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EXAMPLE
Input 4H Represents Four hundred Amt in figures 400.00

4.5H
1.5T

Four hundred and fifty

450.00

One thousand five hundred 1,500.00

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Types of Transaction Supported by Cashier System

Cash and cheque deposits and withdrawals Foreign exchange transactions Cheque book transactions Cross-currency Funds Transfer transactions Bankers cheque issuance and encashment Clean payments Enquiries Balancing menu Signoff menu SM Menu

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Supervisor Menu

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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- Withdrawal Different Currencies Funds Transfer FX Account Transfer Different currencies

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18 28

Host Enquiries

Enquiries options

Make an enquiry on a customer accounts.

Exchange Rates Enquiry

Enquiry on foreign exchange rates.

34
35

Cheque Book Request

Request a cheque book.

Cheque Book Enquiry*

Enquire about chequebooks issued on an account.

44

Deal Enquiry*
Enquire on outstanding deals for a customer.

928 Cheque Deposit Enquiry*

Enquire on the validation of a batch of cheque items

921 Journal Search

Reverse any previously entered customer transaction.

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Signoff Menu
911 912 951 952 Temporary Sign-off Permanent Sign-off Display Teller Totals Display Branch Total

Balancing Menu

81 Balance Cash currency. 82 Transfer Cash In increase. 83 Transfer Cash Out 84 Teller Totals Report 89 List Unbalanced CCY this teller.

Verify cash drawer totals for a Entry of a cash drawer Entry of a cash drawer decrease. Transactions entered by tellers. List unbalanced currencies for

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BRANCH STATUS

BRANCH IS ONLINE

BRANCH IS CLOSED
BRANCH IS

OFFLINE

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Cashier system transaction Menu

FAST PATH
TRANSACTION MENU

VAULT
CASH IN 82
CASH OUT 83

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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]

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 12

CASH CHEQUE WITHDRAWAL

12-01 Cash Cheque Withdrawal - Same Branch 12-05 Online Cash Withdrawal - Within City 12-06 Online Cash Withdrawal - Inter City

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CASH WITHDRAWAL INTERNAL ACCOUNT

14 14-00 Cash withdrawal internal A/C 14-02 NPB purchased

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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

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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

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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

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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

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NATIONAL PRIZE BONDS

NATIONAL PRIZE BOND GLS Branch Code 0786 GL No VALUE IN RS. 200 750 1500 7500 15000 40000

924690 924685 924689 924688 924686 924687

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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

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Transactions Entered at Branch

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Slide 30

Stopped Cheque Cheque serial number already presented. 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. This Cheque item has a stop order against it This Cheque item has already been referred Account does not exist on the database. Account is blocked Customers branch is off-line Account closed Account is inactive No available bal - Real-time bal order shortfall Debit balance not allowed - this Cheque will be returned. Account is inactive. Cashier system branch for the customer is off-line Transfer is between different customers. 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

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 (81,82,83)

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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. 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.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. Do not use SM14 option to forced closing of cashier branch.

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QUESTIONS AND ANSWERS SUGGESTIONS

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THANK YOU

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