What do bank branch tellers do?

What do bank tellers do at bank outlets? Generally speaking, it refers to bank employees who are in direct contact with customers at the counters of bank branches. Bank tellers work in the front line. This is because the cashier is the first person for the customer to enter the bank. They are responsible for finding and stopping wrong transactions to avoid bank losses. This position generally requires employees to be kind and sincere to customers and provide banking services and customer account information.

Overview of responsibilities

The front desk teller is responsible for the counter business operation, inquiry and consultation directly facing customers; The back-office teller is responsible for business processing such as inter-bank, bill exchange and internal accounting. As well as the follow-up processing such as the examination, confirmation and authorization of the front desk business, without facing the teller of the customer Song Chao Super Bank. The front desk teller who provides services to customers independently and assumes corresponding responsibilities must conduct self-examination, self-discipline and self-control at his own risk; When the full-time reviewer delays the review according to the regulations, the front desk teller and the reviewer must clarify their respective responsibilities, restrict each other and share the risks.

Main responsibilities of integrated teller

1. Receive, register and keep valuable documents and important blank vouchers of savings offices, and handle the collection and distribution of tellers; 2. Responsible for the internal adjustment of cash for teller business and the receipt and payment of cash in savings office, and register;

3. Handle internal transactions with the accounting department of the bank within its jurisdiction;

4. Supervise tellers to handle special business such as loss reporting, inquiry, collection, freezing and confiscation of savings, and handle annual interest settlement of savings offices;

5. Supervise the teller's work shift to roll accounts;

6. Identification and control of scientific and technological risks of banks

7. Handle the settlement and reconciliation of savings offices, and prepare vouchers and daily accounts; Print the daily report of the savings office, and regularly print the general ledger, subsidiary ledger, deposit account subsidiary ledger and off-balance sheet account register; Back up data and print, bind, keep accounts, tables, books and other accounting materials, and be responsible for supervising the original vouchers, accounts, tables and backup disks afterwards;

8. Prepare business day, month, quarter and annual reports.

The main responsibilities of tellers

1. Handle foreign deposit and withdrawal and interest-bearing business, including computer bookkeeping, printing vouchers, passbooks, certificates of deposit, fingerprint authentication of teller of receiving and paying bank, etc. 2. Handle and keep the business cash, and register the teller's cash register;

3. Handle important blank vouchers and valuable documents such as business certificates of deposit and passbooks, and register important blank vouchers and valuable documents;

4. Responsible for all kinds of business seals and personal seals of this counter;

5. Roll over counter accounts, print bills, clean up important blank vouchers and valuable documents for checking cash and balance on duty, check business seals, jointly seal boxes under the supervision of comprehensive tellers, handle handover procedures, and hand over accounting materials such as vouchers to comprehensive tellers.

service area

Usually includes:

Cash/deposit a check

Savings deposit/withdrawal (savings deposit/withdrawal)

Issue promissory notes (issue official checks, that is, promissory notes, traveler's checks, money orders, federal money orders, etc.). ).

Payment collection (payment collection)

Move from one residence to another.

time deposit

Foreign currency business (foreign exchange)

Stock trading (securities trading)

working environment

Work is usually in a bank outlet. Cash cashiers are often located in the safety glass window and are responsible for the cashier business of personal business or company business; Tellers who don't touch cash are all in the open area of bank outlets, such as corporate tellers.

Regional characteristics

Tellers all over the world are not separated from customers by a window, such as Australia.

Wages and treatment

Salary summary

In the four major state-owned banks, most tellers in the past were actually informal employees employed by banks, that is to say, they were not internal employees. In addition to wages, tellers also have holiday fees and enjoy housing provident fund, which is almost lower than that of regular employees. However, due to the limited resources of fresh graduates, the internal personnel flow more and more, with 70% of the regular staff at the counter, the number of dispatched staff decreased, and the requirements for academic qualifications gradually increased. The four major state-owned banks basically only recruit fresh graduates from one institution as regular employees. Another bank grass-roots manager expressed sympathy for the situation of tellers, whose income is lower than that of regular employees, but their labor intensity is usually higher than that of regular employees. Banks such as ICBC and CCB will raise the salary level of employees after the share reform and listing. It is estimated that the income of tellers will also rise, but the increase will not be too big.

The bank teller's salary basically includes three parts: basic salary+performance salary (or bonus)+business commission (the commission charged by the bank according to the teller's monthly business transaction, turnover, consignment of wealth management products, etc.). The basic salary of each bank is usually between 3,000 yuan and 5,000 yuan. Everyone's technical level, length of service and education are different, and the salary they get will be different.

Commercial commission

Performance pay is roughly the same as the basic salary, or slightly more. Together, these two kinds of wages are the most important part of the monthly salary of most tellers, and there is not much difference between each teller in this respect. Business commission is an important source of income for tellers.

Savings office turnover

The income of the teller is also related to the overall benefit of the savings office. The higher the turnover of the savings office, the more profits he gets, and the higher the income of the teller. Therefore, tellers at the same level may have different incomes in different savings offices.

The secret of high income

In addition to technical level, seniority, education and other conditions, sales ability is the best way to increase the income of tellers. Tellers want to increase their income, they must improve themselves from the aspects of service level, speed and accuracy of business handling, sales promotion ability and so on, and get more commission. Some tellers also increase their income by changing jobs. When their business ability is strong enough, tellers can choose a bank with better income to apply.

Occupational risk

(1) There are risk blind spots when employees implement rules and regulations.

The comprehensive teller system emphasizes that a single teller can come to the counter, and the teller can independently handle corporate banking, savings and credit cards in local and foreign currencies for customers.

The card was stolen from the bank for 1.3 million yuan, and was sentenced to half of the financial business. Tellers are required to be familiar with the rules and regulations of these businesses and be able to fully grasp and apply them in their work practice. However, for a long time, there has been little post communication between accountants and savers in commercial banks, and some of them are only familiar with the business of their posts, lacking practical experience in business knowledge of other posts, which will inevitably lead to operational risks for integrated tellers who are unfamiliar with rules and regulations. (B) Staff counter operation, there are system process risks.

The comprehensive counter system cancels the double-check system, requiring tellers to be very familiar with the transaction and business processing flow of the counter system, and know what transaction realizes what function, what business is suitable for what transaction and what business processing method is adopted. If you are not familiar with transactions and business processes, you will inevitably use the wrong transactions and processes in your work. Once transactions and processes go wrong, accounting entries also go wrong, and capital flows also go wrong, which brings risks.

(C) There are moral and operational risks in the post management mode of employees

Different from the original risk control concept of "separation of personnel", integrated tellers put more emphasis on "separation of posts" in risk control, that is, three posts of teller, integrated teller and business supervisor are set up to achieve the purpose of risk control through mutual restriction among the same business posts. If the business of the second manager or the third manager is not divided among different positions in strict accordance with the requirements of post restrictions, for example, the bank draft, the special seal for the draft, the money counter and the secret deposit are kept by one person, it will be difficult to control the risk of individuals taking the opportunity to commit crimes and cause the loss of bank funds.

(D) IC cards and passwords are at risk of mismanagement.

The integrated counter system carries out teller identity authentication through IC card, and at the same time realizes authorization and post restriction through IC card. If the teller doesn't take care of his IC card and password at work, misplacing the IC card at will, accidentally being peeked by others when entering the password, changing the password irregularly, or even telling others the password, it will be easily used by criminals and bring financial losses to the bank.

(E) The implementation of the authorization system is at risk of ineffective implementation.

The business authorization management of the comprehensive counter system adopts the mode of "combining system with labor". System authorization means that the system automatically judges the services that need authorization according to the authorization conditions set in the form of standard independent variables, and prompts the authorizer to swipe the card and enter the password for authorization; Manual authorization refers to the business whose actual management needs are higher than the highest authorization authority set by the system, and should be authorized by the authorized person by reviewing and signing relevant documents. If the authorization management regulations are not strictly followed in actual work, and the business authorized manually is not authorized by the licensor, and the business authorized by the system, the licensor does not check the elements entered by the teller with the original vouchers, or even directly gives the IC card to others, who will take the authorized position, which will also bring risks to the bank and even cause financial losses.

vocational development

(A) the development of new bank teller management system. The so-called new bank teller system refers to the establishment of a highly electronic bank counter business. The front desk staff broke the division of labor of the counter group, and a single teller comprehensively handled accounting, cashier, savings, credit card and other businesses, while the back desk teller was responsible for the counter business supervision and internal bank clearing business. This new type of bank teller system has the advantages of intuitive operation, fast business handling, clear management responsibility and optimized labor combination, and it is a simple, fast and efficient labor combination form.

(2) Establish a well-established teller supervision system. Tellers can be divided into counter comprehensive tellers, supervisors, financial advisors in the lobby and backstage tellers. The machine configuration, business scope and operation requirements of these four types of tellers are different, but they complement each other.

For example, the business scope of counter integrated teller should include all savings, credit card business, cashier's check collection business and cashier's check payment business, public accounting reception, printing inspection, bookkeeping business, storage and use of various cards and other accounting business. Backstage teller is a comprehensive teller who serves the front desk, handling inter-bank, use and management of seal and pledge, electronic remittance, bill exchange, seal inspection, bookkeeping, storage of various cards, use and management of seal and pledge, electronic remittance, bill exchange, fund settlement, organizing accounting and business training in business fields, and being responsible for all kinds of accounting settlement consultation, inspection and supervision, and analysis and feedback of accounting information. Their work is not only different from that of the counter chief teller, but also serves for the counter chief teller. They not only handle the specific liquidation business, but also manage and supervise the business site.

What exactly does the service work of bank outlets do? They accept the advice of depositors and provide some forms filling services for depositors.

Maintain the order of outlets and publicize some wealth management products or products sold by banks. . . .

What does the marketing service of bank outlets do? It is to promote wealth management products and publicize the business of banks.

Service marketing is a series of activities taken by enterprises in the marketing process to fully meet the needs of consumers on the premise of fully understanding and meeting their needs. As an element of marketing mix, service really attracted people's attention in the late 1980s. During this period, due to the progress of science and technology and the remarkable improvement of social productivity, the industrial upgrading and professional development of production are accelerating day by day. On the one hand, the service content of products, that is, the service intensity of products, is increasing day by day. On the other hand, with the improvement of labor productivity, the market turns to the buyer's market, and with the improvement of consumers' income level, their consumption demand also changes gradually, and the demand level also increases correspondingly, expanding in a diversified direction.

What does a teller at a bank branch mean? What does this position do? The teller is a cash counter employee. Every employee has a special cash locker when handling business.

That is, the employees who handle business for customers in the window are responsible for basic business such as customer deposit and withdrawal, cash collection and card handling.

Excuse me, what does the comprehensive teller of the business outlets of Bank of Communications Guangdong Branch do? The comprehensive teller is mainly responsible for corporate and private business. Counting money at the counter is a private business, but not all of it. The treatment of the bank is quite attractive. If you are formal, the salary is enough. In addition, various insurance enterprise annuities are very rich. How to develop depends on your personal efforts and the support of the people behind you. We have a turtle graduate student from a famous school who just came in and started at the counter. Don't worry, the gold will come.

What exactly do the front desk staff of CCB outlets do? All private businesses can be handled, but each outlet may share different businesses, making it easier to divert customers.

I would like to ask the wages of tellers in the business outlets of Agricultural Bank of China, and ask for specific figures. Probably the same pay as regular workers, not much difference! If you are in a well-paid network, you may be paid more than government employees.

Are the tellers in China Construction Bank's business outlets regular employees? Follow-up: Is this different from bank contract workers? Answer: Workers cannot enjoy the welfare benefits of China Construction Bank. Its salary is paid by the bank to the labor dispatch company, and then paid by the labor dispatch company. In this link, the labor service company will deduct the necessary expenses and so on. However, since last year or the year before last, banks have also begun to assess the performance of workers, which means that in addition to wages, they can also get bonuses according to their performance. In addition, I would like to remind you that workers have a separate annual assessment method. Those who pass the examination for three consecutive years are expected to become contract workers. Follow-up: If so, what's the use of studying this hard? Thank you. Answer: As mentioned earlier, workers have a separate annual assessment method. Those who have passed the examination for three consecutive years and are expected to become contract workers belong to banks. In the past, workers and contract workers participated in the annual assessment together, and it was impossible for workers to transfer to excellent indicators. It is still very promising to investigate alone now. Excellent assessment for three consecutive years

They are all contract systems, but the contract period is different.