Bank tellers work on the front lines. As the front line of bank risk prevention, tellers occupy a pivotal position. How to reduce this risk has become an important task for tellers. The following is a bank teller’s risk prevention experience, I hope it will be helpful to everyone.
Bank Teller’s Risk Prevention Experience Part 1
Risk prevention is a topic that exists in banks every moment. Every bank employee must have a deep understanding of the risks that exist in the bank and the methods to prevent them. Bank tellers generally refer to bank employees who have direct contact with customers at the bank branch counter. Bank tellers work on the front lines. This is because the first person a customer enters a bank is the teller. As the front line of bank risk prevention, tellers occupy a pivotal position. How to reduce this risk has become an important task for tellers. For me, who has been in Ma'anshan Rural Commercial Bank for half a year, it is also an issue that I consider after work. At the same time, I also learned about the problems caused by some tellers' insufficient understanding of risk prevention:
1. The teller was negligent and handled business improperly, resulting in large accounting errors. Negligence is the main reason why tellers make mistakes when handling business. In particular, some tellers feel that they are particularly skilled in business and are more likely to cause wrong transactions. They blindly pursue efficiency without carefully reviewing the accuracy of the input content. The account name is entered incorrectly when opening an account; the remittance business amount, date, name, account number, remittance payee's name, ID number, date of birth and validity period are very easy to enter incorrectly, and errors are sometimes difficult to detect. The withdrawal operation turned into a deposit and caused a shortfall. It would be okay if it was discovered in time, but it would cause serious consequences if it was discovered after the customer left. Therefore, in the process of handling business, while improving efficiency, we must carefully check every operation to ensure that it is correct before submitting it.
2. If the original vouchers are not properly kept and the accounting vouchers are lost, there are hidden risks. The original voucher is a written certificate that records economic business and clears economic responsibilities, and is the legal basis for accounting. If we throw away the customer's credentials at will, it may be stolen by criminals and used to commit crimes, causing legal disputes. When we blend the turnover after the end of each day's business, we must ensure that the subpoenas generated during our business processing are complete and have no missing tickets, no bounced votes, and are consistent with the turnover. We must also ensure that the elements on the voucher are complete and that no customer signature is missing to prevent Some interested customers turned around and told them that they had never handled the business, causing financial disputes. Vouchers filled in with errors should be invalidated by the teller when returned to the customer. If the wrong voucher printed during the business process does not need to be attached to the subpoena, the teller should invalidate it by himself and cannot be thrown away casually. Customer information must also be properly kept and customer information must not be leaked casually.
3. The teller does not have a strong awareness of risk prevention and fills in the documents on behalf of the customer. Filling out documents on behalf of customers can easily lead to customer disputes and unnecessary legal risks. In the process of handling business, sometimes we encounter some customers complaining that they are slow to fill in the documents and are in a hurry or they do not know how to fill in the documents and ask the teller to help fill it in. At this time, as counter staff, we must strictly understand that we cannot fill in the documents on behalf of the customers and understand how to fill in the documents on behalf of the customers. We must explain the possible consequences of the order to the customer, or ask the lobby manager to guide the customer to fill in the document and confirm the customer's signature before handling the business for the customer.
The above are all things that tellers can encounter when handling business. These are also some of the things I have learned in the past six months, so as a teller at Ma'anshan Rural Commercial Bank, We must enhance our awareness of risk prevention, standardize daily business operations, and improve our business skills so that we can effectively control the occurrence of the above and reduce unnecessary risks, so that we can better provide good services to the customers of Maanshan Rural Commercial Bank. , improve the service quality of our rural commercial bank in the hearts of customers, and contribute our own strength to the growth of Maanshan Rural Commercial Bank!
Bank teller risk prevention experience Part 2
Risk prevention is It is a topic that exists every moment in the bank. Every bank employee must have a deep understanding of the risks that exist in the bank and the methods to prevent risks. Almost every day in the branch morning meeting, the bank staff will be mentioned to the bank staff about the risks of handling business and how to prevent risks. At the same time, some cases will be introduced to the bank staff so that each bank staff can effectively avoid relevant situations encountered in the process of handling business for customers. Risks arise.
1 The teller was negligent and handled business improperly, resulting in large accounting errors.
Negligence is the main reason why tellers make mistakes when handling business. In particular, some tellers feel that they are particularly skilled in business and are more likely to cause wrong and debit transactions. They blindly pursue efficiency without carefully reviewing the accuracy of the input content. sex. The account name is entered incorrectly when opening an account; the remittance business amount, date, name, account number, remittance recipient's name, ID number, date of birth and validity period are easily entered incorrectly, and errors are sometimes difficult to detect. The withdrawal operation turned into a deposit and caused a shortfall. It would be fine if it could be discovered in time, but it would have serious consequences if it was discovered after the customer left. These are all actual cases. Therefore, in the process of handling business, while improving efficiency, we must carefully check every operation to ensure that it is correct before submitting it.
2 If the original vouchers are not properly kept, the basis for accounting is lost, and there are hidden risks.
The original voucher is a written certificate that records economic business and clarifies economic responsibilities, and is the legal basis for accounting. If we throw away the customer's credentials at will, it may be stolen by criminals and used to commit crimes, causing legal disputes. After the end of each day's business, we must ensure that the subpoenas generated during our business processing are complete and have no missing tickets or bounced tickets. We must ensure that the elements on the voucher are complete and that no customer signatures are missing to prevent some intentional customers from turning around and telling them that they have not processed it. This business caused economic disputes. Incorrectly filled out vouchers should be invalidated when returned to the customer. If the wrong voucher printed during the business process does not need to be attached to the subpoena, it should be invalidated using a paper shredder and should not be thrown into the trash can. Customer information must also be properly kept and customer information must not be leaked casually.
3 The teller has little awareness of risk prevention and fills in the documents on behalf of the customer.
Filling out documents on behalf of customers can easily lead to customer disputes and unnecessary legal risks. In the process of handling business, sometimes we encounter some customers complaining that they are slow to fill in the documents and are in a hurry or they do not know how to fill in the documents and ask the teller to help fill it in. At this time, as counter staff, we must strictly understand that we cannot fill in the documents on behalf of the customers and understand how to fill in the documents on behalf of the customers. We must explain the possible consequences of the order to the customer, or ask the lobby manager to guide the customer to fill in the document and confirm the customer's signature before handling the business for the customer.
Bank teller risk prevention experience Part 3
In the context of the rapid development of banking business, increasingly fierce industry competition, customer dissatisfaction and expectations for bank branches, and low branch operation efficiency Various risk factors such as the Bank of China urgently require the banking industry to actively prevent and control existing internal risks. In order to comprehensively enhance the awareness of internal risk prevention and control and improve comprehensive competitiveness, the Postal Savings Bank of China has carefully studied the risk management experience of modern banks and started from stable operations, starting from providing basic financial services to urban and rural residents and engaging in low-risk asset businesses. Through continuous Strengthen the bank's internal management and risk control capabilities, and gradually expand new businesses to improve economic efficiency.
Based on the current situation of the team, determine the focus and direction of internal risk prevention and control, determine the training objects and content, formulate and implement training plans, and actively introduce advanced business concepts and management concepts from commercial banks. Improve the knowledge and professional structure of employees and comprehensively improve the overall quality of employees so that they can gradually adapt to the development needs of Postal Savings Bank. To minimize risks, the following measures have been taken:
1. Strengthen leadership.
The ultimate goal of internal risk prevention and control is to improve the independent internal control functions of outlets, and promote internal risk prevention and control as a way to improve employee satisfaction and customer satisfaction, and improve the marketing service capabilities and core competition of outlets. We will focus on the most important work, and even leverage the internal security awareness of the entire bank to achieve work goals. The content, steps, goals and requirements of internal risk prevention and control are clarified to provide scientific basis for reducing internal risk prevention and control risks.
2. Adhere to principles.
Adhere to the principle of optimizing deployment and control and improving efficiency. In line with the idea of ??"stabilizing the internal risk structure", we rationally adjust internal security awareness and improve the efficiency of the outlets. According to different regional and economic conditions, we should strengthen the construction of security risks in basic outlets and self-service outlets. Each department must conduct comprehensive inspection, supervision, and evaluation of its own implementation of security issues. Those who fail to implement must be seriously held accountable. Ensure the quality and effectiveness of internal risk control, and promote the improvement of all-round functions of the outlets through outlet image building work. .
3. Establish a mechanism.
The purpose of controlling bank internal risks is to provide better services to customers and increase product sales. However, if we do not pay attention to the construction of internal control systems, the implementation of rules and regulations, and the education of risk concepts, we may even increase services at the expense of risks. Convenience may lead to failure of transformation. Therefore, we should strengthen employees’ ideological and moral education and risk awareness, pay close attention to the implementation of systems and operations according to regulations, establish an advanced risk control culture and compliance culture, urge outlets to make rectifications, and consolidate the results of risk and safety inspections.
4. Improve measures.
Carry out enterprise reform through professional compliance risk education, use unified standards to standardize the marketing model of outlets, and achieve service standardization and consistency of customer experience to improve product sales capabilities and customer satisfaction. . This will improve the overall transformation of the internal control of the outlets and achieve a steady improvement in the economic benefits of the enterprise.